Selected financial data and indicators

Highlights of Bank Pekao S.A. Group

2025 2024 2023 2022 2021 2020
INCOME STATEMENT – SELECTED ITEMS
Operating income 17 165 16 049 15 200 10 664 8 522 7 796
Operating costs (5 530) (5 244) (4 631) (3 987) (3 739) (3 451)
Profit before income tax 8 961 8 123 8 565 2 882 3 002 1 725
Net profit attributable to equity holders of the Bank 7 015 6 376 6 659 1 717 2 175 1 102
PROFITABILITY RATIOS
Return on average equity (ROE) – nominally 21.4% 21.2% 25.0% 7.6% 8.7% 4.5%
Return on assets (ROA) 2.1% 2.0% 2.2% 0.6% 0.9% 0.5%
Net interest margin 4.2% 4.2% 4.2% 3.3% 2.4% 2.5%
Cost / income (including to contributions to the BFG) 34.5% 34.2% 31.7% 44.4% 47.3% 49.2%
Costs of risk 0.39% 0.48% 0.36% 1.12% 0.45% 0.99%
STATEMENT OF FINANCIAL POSITION – SELECTED ITEMS
Total assets 352 233 334 242 305 789 281 139 250 567 233 217
Customers’ financing(*) 197 343 182 158 171 140 167 509 169 073 151 684
Amounts due to customers(**) 268 463 259 034 232 078 209 596 194 804 177 745
Debt securities issued 20 265 16 167 9 958 10 337 5 355 6 147
Subordinated liabilities 5 642 2 782 2 781 2 789 2 762 2 758
Equity 35 362 31 914 30 428 22 774 23 863 25 495
STATEMENT OF FINANCIAL POSITION STRUCTURE RATIOS
Customers’ financing (*) / total assets 56.0% 54.5% 56.0% 59.6% 67.5% 65.0%
Securities / total assets 34.8% 35.8% 32.7% 25.3% 22.9% 26.7%
Deposits (***) / total assets 83.6% 83.2% 80.1% 79.2% 81.0% 80.0%
Customers’ financing (*) / deposits (***) 67.0% 65.5% 69.9% 75.2% 83.3% 81.3%
Equity / total assets 10.0% 9.5% 10.0% 8.1% 9.5% 10.9%
Total capital ratio 16.4% 16.8% 17.5% 17.8% 17.7% 19.2%
EMPLOYEES AND NETWORK
Total number of employees 14 911 15 212 14 922 14 443 14 429 14 984
Number of outlets 560 573 574 597 650 713
Number of ATMs 1 363 1 314 1 306 1 328 1 475 1 592
*Including net investments in financial leases to customers, non-treasury debt securities and excluding reverse repo transactions.
**Excluding repo transactions.
***Deposits include amounts due to customers, debt securities issued and subordinated liabilities.
****Data for December 31, 2024 have been recalculated taking into account the retrospective recognition of part of the profit for 2024 (after confirmation of the financial results by the General Shareholders Meeting), in accordance with the EBA position expressed in Q&A 2018_3822 and Q&A 2018_4085.

Highlights of Bank Pekao S.A.

2025 2024 2023 2022 2021 2020
INCOME STATEMENT – SELECTED ITEMS
Operating income 16 318 15 290 14 657 10 320 8 084 7 454
Operating costs (5 083) (4 794) (4 230) (3 658) (3 438) (3 169)
Profit before income tax 8 739 8 105 8 643 3 012 2 995 1 697
Net profit 6 922 6 425 6 799 1 898 2 237 1 126
PROFITABILITY RATIOS
Return on average equity (ROE) – nominally 21.4% 21.7% 26.0% 8.7% 9.2% 4.8%
Return on assets (ROA) 2.1% 2.1% 2.4% 0.73% 0.9% 0.5%
Net interest margin 4.2% 4.2% 4.3% 3.3% 2.4% 2.5%
Cost / income (including to contributions to the BFG cost and fee paid for the Protection Schemes) 33.5% 32.9% 30.1% 42.7% 46.1% 47.6%
Costs of risk 0.34% 0.38% 0.32% 1.12% 0.41% 1.03%
STATEMENT OF FINANCIAL POSITION – SELECTED ITEMS
Total assets 337 858 319 251 294 552 271 703 241 275 222 381
Customers’ financing(*) 179 485 165 435 157 406 155 477 157 783 139 926
Amounts due to customers(**) 268 834 259 523 232 307 209 803 195 064 178 276
Debt securities issued 10 006 6 542 4 078 5 894 178 523
Subordinated liabilitie 5 642 2 782 2 781 2 789 2 762 2 758
Equity 34 855 31 516 29 987 22 189 23 100 24 647
STATEMENT OF FINANCIAL POSITION STRUCTURE RATIOS
Customers’ financing (*) / total assets 53.1% 51.8% 53.4% 57.2% 65.4% 62.9%
Securities / total assets 37.0% 37.9% 34.5% 26.8% 24.2% 28.2%
Deposits (***) / total assets 84.2% 84.2% 81.2% 80.4% 82.1% 81.6%
Customers’ financing (*) / deposits (***) 63.1% 61.5% 65.8% 71.2% 79.7% 77.1%
Equity / total assets 10.3% 9.9% 10.2% 8.2% 9.6% 11.1%
Total capital ratio (****) 18.7% 19.3% 20.1% 19.9% 19.6% 21.3%
EMPLOYEES AND NETWORK
Total number of employees (*****) 13 765 12 626 12 470 12 234 12 400 12 866
Number of outlets 560 573 574 597 650 713
Number of ATMs 1 363 1 314 1 306 1 328 1 475 1 592
*Including non-treasury debt securities and excluding reverse repo transactions.
**Excluding repo transactions.
***Deposits include amounts due to customers, debt securities issued and subordinated liabilities.
****Data for December 31, 2024 have been recalculated taking into account the retrospective recognition of part of the profit for 2024 (after confirmation of the financial results by the General Shareholders Meeting), in accordance with the EBA position expressed in Q&A 2018_3822 and Q&A 2018_4085.
*****The increase in employment results from the consolidation of customer contact channels within the Group - the Bank's takeover of Pekao Direct employees under Article 231 of the Labor Code.
Previous page
Capital adequacy
Next page
Highlights and Summary of Performance

Search results