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.

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Annual Report
2021
17.4%
Loans
market
19.2%
Savings
market
19.8%
Mortages sales
market
19.9%
TFI assets – funds of individuals

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%.

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.

418
PLN billion
Assets of the Bank’s Group as at the end of 2021
17.4
%
hare of PKO Bank Polski S.A. and PKO Bank Hipoteczny S.A. in the Polish loan market as at the end of 2021
1,422
number of branches of PKO Bank Polski S.A. at the end of 2021
56.2
PLN billion
Market value of PKO Bank Polski S.A. at the end of 2021 (the highest capitalization in the group of polish companies quoted at the Warsaw Stock Exchange
11
million
Retail segment customers of PKO Bank Polski S.A. at the end of 2021
25.7
thous.
employees of the Bank’s Group
at the end of 2020 (FTEs)

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