{"id":3302,"date":"2025-07-08T14:17:36","date_gmt":"2025-07-08T12:17:36","guid":{"rendered":"https:\/\/raport-pekao.pl\/en\/?post_type=table&p=3302"},"modified":"2025-07-08T14:23:44","modified_gmt":"2025-07-08T12:23:44","slug":"highlights-of-bank-pekao-s-a","status":"publish","type":"table","link":"https:\/\/raport-pekao.pl\/en\/table\/highlights-of-bank-pekao-s-a\/","title":{"rendered":"Highlights of Bank Pekao S.A."},"content":{"rendered":"\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/strong><\/td>\n2024<\/strong><\/td>\n2023
\n<\/strong>Restated<\/strong><\/td>\n		2022<\/strong><\/td>\n2021<\/strong><\/td>\n2020<\/strong><\/td>\n2019<\/strong><\/td>\n<\/tr>\n
INCOME STATEMENT \u2013 SELECTED ITEMS<\/strong><\/td>\n\u00a0<\/strong><\/td>\n\u00a0<\/strong><\/td>\n\u00a0<\/em><\/td>\n\u00a0<\/em><\/td>\n\u00a0<\/em><\/td>\n(in PLN million)<\/em><\/td>\n<\/tr>\n
Operating income<\/td>\n15,290<\/td>\n14,657<\/td>\n10,320<\/td>\n8,084<\/td>\n7,454<\/td>\n7,887<\/td>\n<\/tr>\n
Operating costs<\/td>\n(4,794)<\/td>\n(4,230)<\/td>\n(3,658)<\/td>\n(3,438)<\/td>\n(3,169)<\/td>\n(3,204)<\/td>\n<\/tr>\n
Profit before income tax<\/td>\n8,105<\/td>\n8,643<\/td>\n3,012<\/td>\n2,995<\/td>\n1,697<\/td>\n3,016<\/td>\n<\/tr>\n
Net profit<\/td>\n6,425<\/td>\n6,799<\/td>\n1,898<\/td>\n2,237<\/td>\n1,126<\/td>\n2,247<\/td>\n<\/tr>\n
PROFITABILITY RATIOS<\/strong><\/td>\n\u00a0<\/strong><\/td>\n\u00a0<\/strong><\/td>\n\u00a0<\/strong><\/td>\n\u00a0<\/strong><\/td>\n\u00a0<\/strong><\/td>\n\u00a0<\/strong><\/td>\n<\/tr>\n
Return on average equity (ROE) – nominally<\/td>\n21.7%<\/td>\n26.0%<\/td>\n8.7%<\/td>\n9.2%<\/td>\n4.8%<\/td>\n10.2%<\/td>\n<\/tr>\n
Return on assets (ROA)<\/td>\n2.1%<\/td>\n2.4%<\/td>\n0.73%<\/td>\n0.9%<\/td>\n0.5%<\/td>\n1.2%<\/td>\n<\/tr>\n
Net interest margin<\/td>\n4.2%<\/td>\n4.3%<\/td>\n3.3%<\/td>\n2.4%<\/td>\n2.5%<\/td>\n2.9%<\/td>\n<\/tr>\n
Cost \/ income (including to contributions to the BFG cost and fee paid for the Protection Schemes)<\/td>\n32.9%<\/td>\n30.1%<\/td>\n42.7%<\/td>\n46.1%<\/td>\n47.6%<\/td>\n46.4%<\/td>\n<\/tr>\n
Costs of risk<\/td>\n0.38%<\/td>\n0.32%<\/td>\n1.12%<\/td>\n0.41%<\/td>\n1.03%<\/td>\n0.43%<\/td>\n<\/tr>\n
STATEMENT OF FINANCIAL POSITION \u2013 SELECTED ITEMS<\/strong><\/td>\n\u00a0<\/strong><\/td>\n\u00a0<\/em><\/td>\n\u00a0<\/em><\/td>\n\u00a0<\/em><\/td>\n(in PLN million<\/em>)<\/em><\/strong><\/td>\n<\/tr>\n
Total assets<\/td>\n319,251<\/td>\n294,552<\/td>\n271,703<\/td>\n241,275<\/td>\n222,381<\/td>\n194,650<\/td>\n<\/tr>\n
Customers\u2019 financing(*)<\/sup><\/td>\n165,435<\/td>\n157,406<\/td>\n155,477<\/td>\n157,783<\/td>\n139,926<\/td>\n142,146<\/td>\n<\/tr>\n
Amounts due to customers(**)<\/sup><\/td>\n259,523<\/td>\n232,307<\/td>\n209,803<\/td>\n195,064<\/td>\n178,276<\/td>\n157,750<\/td>\n<\/tr>\n
Debt securities issued and subordinated liabilities<\/td>\n9,324<\/td>\n6,859<\/td>\n8,683<\/td>\n2,940<\/td>\n3,281<\/td>\n4,369<\/td>\n<\/tr>\n
Equity<\/td>\n31,516<\/td>\n29,987<\/td>\n22,189<\/td>\n23,100<\/td>\n24,647<\/td>\n22,527<\/td>\n<\/tr>\n
STATEMENT OF FINANCIAL POSITION STRUCTURE RATIOS<\/strong><\/td>\n\u00a0<\/strong><\/td>\n\u00a0<\/em><\/strong><\/td>\n\u00a0<\/em><\/strong><\/td>\n\u00a0<\/em><\/strong><\/td>\n\u00a0<\/em><\/strong><\/td>\n<\/tr>\n
Customers\u2019 financing (*) <\/sup>\/ total assets<\/td>\n51.8%<\/td>\n53.4%<\/td>\n57.2%<\/td>\n65.4%<\/td>\n62.9%<\/td>\n73.0%<\/td>\n<\/tr>\n
Securities \/ total assets<\/td>\n37.9%<\/td>\n34.5%<\/td>\n26.8%<\/td>\n24.2%<\/td>\n28.2%<\/td>\n18.6%<\/td>\n<\/tr>\n
Deposits (**)<\/sup> \/ total assets<\/td>\n84.2%<\/td>\n81.2%<\/td>\n80.4%<\/td>\n82.1%<\/td>\n81.6%<\/td>\n83.3%<\/td>\n<\/tr>\n
Customers\u2019 financing (*)<\/sup> \/ deposits (**)<\/sup><\/td>\n61.5%<\/td>\n65.8%<\/td>\n71.2%<\/td>\n79.7%<\/td>\n77.1%<\/td>\n87.7%<\/td>\n<\/tr>\n
Equity \/ total assets<\/td>\n9.9%<\/td>\n10.2%<\/td>\n8.2%<\/td>\n9.6%<\/td>\n11.1%<\/td>\n11.6%<\/td>\n<\/tr>\n
Total capital ratio (****)<\/sup><\/td>\n18.7%<\/td>\n20.1%<\/td>\n19.9%<\/td>\n19.6%<\/td>\n21.3%<\/td>\n18.7%<\/td>\n<\/tr>\n
EMPLOYEES AND NETWORK<\/strong><\/td>\n\u00a0<\/strong><\/td>\n\u00a0<\/strong><\/td>\n\u00a0<\/em><\/strong><\/td>\n\u00a0<\/em><\/strong><\/td>\n\u00a0<\/em><\/strong><\/td>\n\u00a0<\/em><\/strong><\/td>\n<\/tr>\n
Total number of employees<\/td>\n12,626<\/td>\n12,470<\/td>\n12,234<\/td>\n12,400<\/td>\n12,866<\/td>\n13,808<\/td>\n<\/tr>\n
Number of outlets<\/td>\n573<\/td>\n574<\/td>\n597<\/td>\n650<\/td>\n713<\/td>\n805<\/td>\n<\/tr>\n
Number of ATMs<\/td>\n1,314<\/td>\n1,306<\/td>\n1,328<\/td>\n1,475<\/td>\n1,592<\/td>\n1,648<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"featured_media":0,"template":"","class_list":["post-3302","table","type-table","status-publish","hentry"],"acf":[],"yoast_head":"\nHighlights of Bank Pekao S.A. - en<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Highlights of Bank Pekao S.A. - en\" \/>\n<meta property=\"og:description\" content=\"\u00a0 2024 2023 Restated 2022 2021 2020 2019 INCOME STATEMENT \u2013 SELECTED ITEMS \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 (in PLN million) Operating income 15,290 14,657 10,320 8,084 7,454 7,887 Operating costs (4,794) (4,230) (3,658) (3,438) (3,169) (3,204) Profit before income tax 8,105 8,643 3,012 2,995 1,697 3,016 Net profit 6,425 6,799 1,898 2,237 1,126 2,247 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/raport-pekao.pl\/en\/table\/highlights-of-bank-pekao-s-a\/\" \/>\n<meta property=\"og:site_name\" content=\"en\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-08T12:23:44+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/raport-pekao.pl\/en\/table\/highlights-of-bank-pekao-s-a\/\",\"url\":\"https:\/\/raport-pekao.pl\/en\/table\/highlights-of-bank-pekao-s-a\/\",\"name\":\"Highlights of Bank Pekao S.A. - 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