Market position
In 2021 the Bank’s Group:
- maintained a high share in the loan market both in terms of volume and sales of selected products,
- increased its share in the savings market, both for individuals and institutional entities,
- maintained its position as leader on the market of investment funds for individuals and the sale of mortgage loans.

Annual Report
2021
2021
Market share
31.12.2021 | 31.12.2020 | 31.12.2019 | 31.12.2018 | 31.12.2017 | Change 2021/2020 | |
Loans for: | 17.4% | 17.6% | 17.9% | 17.6% | 17.7% | -0.2 p.p. |
1. individuals, of which: | 21.9% | 22.4% | 22.8% | 22.9% | 23.0% | -0.5 p.p. |
housing | 23.7% | 24.9% | 25.8% | 26.1% | 26.1% | -1.2 p.p. |
PLN | 24.7% | 26.3% | 27.6% | 28.3% | 28.6% | -1.6 p.p. |
foreign currency | 20.1% | 20.8% | 21.0% | 21.0% | 21.2% | -1.7 p.p. |
consumer and other, of which: | 17.1% | 16.5% | 16.3% | 15.8% | 15.9% | +0.6 p.p. |
in current account | 34.1% | 32.7% | 32.4% | 32.1% | 32.0% | +1.4 p.p. |
2. institutional entities | 12.8% | 12.6% | 13.1% | 12.7% | 12.8% | +0.2 p.p. |
Non-Treasury debt securities (indebtedness) | 29.3% | 30.2% | 30.7% | 32.4% | 29.3% | -0.9 p.p. |
Mortgage loans (sales) | 19.8% | 19.7% | 25.7% | 28.9% | 29.6% | +0.1 p.p. |
Total savings 1), of which: | 19.2% | 18.3% | 18.3% | 18.4% | 17.3% | +0.9 p.p. |
savings of individuals 2) | 25.6% | 24.3% | 22.6% | 22.0% | 21.1% | +1.3 p.p. |
Deposits: | 17.8% | 17.3% | 17.9% | 18.1% | 17.9% | +0.5 p.p. |
individuals | 22.5% | 21.9% | 20.8% | 20.2% | 20.4% | +0.6 p.p. |
institutional entities | 12.3% | 11.5% | 13.8% | 15.2% | 14.5% | +0.8 p.p. |
TFI assets – funds of individuals 3) | 19.9% | 19.2% | 19.5% | 21.5% | 17.1% | +0.7 p.p. |
Brokerage activities – transactions on secondary market 4) |
12.3% | 11.2% | 7.5% | 7.7% | 14.7% | +1.1 p.p. |
Source: NBP, WSE, ZBP, Analizy Online
1) Total savings comprise total deposits, TFI assets and retail savings bonds.
2) Savings of individuals include deposits of individuals, funds of individuals and saving Treasury bonds.
3) In 2021 the market data changed due to the change in the status of two funds into funds for individuals. The data for the prior period was recalculated.
4) Taking into account the effect of intermediation in the sale of shares in Pekao S.A. in 2017. After elimination of this effect, the share of brokerage activities in the secondary market trading would be 11.2%.
1) Total savings comprise total deposits, TFI assets and retail savings bonds.
2) Savings of individuals include deposits of individuals, funds of individuals and saving Treasury bonds.
3) In 2021 the market data changed due to the change in the status of two funds into funds for individuals. The data for the prior period was recalculated.
4) Taking into account the effect of intermediation in the sale of shares in Pekao S.A. in 2017. After elimination of this effect, the share of brokerage activities in the secondary market trading would be 11.2%.
The Bank’s Group is a leading financial institution in Central and Eastern Europe. The Bank, the parent entity of the Bank’s Group, is the largest commercial bank in Poland in terms of the value of assets and equity, the value of loans and deposits, the size of the distribution network, as well as the number of Customers served and the number of employees.