Competitive edge

The PKO Bank Polski SA Group stands out on the Polish financial market thanks to its competitive edge, which allows it to pursue its missions and effectively achieve the goals specified in the Strategy for the years 2016–2020 “We support the development of Poland and the Poles”.

Annual report

The key competitive advantages of the PKO Bank Polski SA Group compared to its main competitors are:

PKO Bank Polski SA invariably remains the most recognizable bank in Poland. Customers appreciate the brand and associate it not only with a bank that cares for their individual needs but also ensures the high security of entrusted funds.

The PKO Bank Polski SA brand is most frequently mentioned first in surveys on the bank’s recognisability. The brand’s strength supports the dominant share of PKO Bank Polski SA in the main segments of the loan and deposit markets and lease market, and the share of its subsidiaries which stands out in the investment fund market.

The value of the PKO Bank Polski SA* brand as at the end of 2017 was estimated at PLN 2.7 billion.

* according to Rzeczpospolita daily valuation under the ranking of the most valuable Polish brands

The largest multichannel distribution network on the Polish market creates an environment for increasing the revenue of the PKO Bank Polski SA Group and enables the diversification of revenue sources.

The reach of the distribution network enables providing banking products and services in a manner that is most convenient for Customers. This also applies to persons in locations in which the Bank’s main competitors do not have their branches.

The largest customer base of PKO Bank Polski SA creates an environment for setting the standards of Customer service, products and services offered and technological innovations. The potential for setting market standards in association with high strength in the area of enterprise financing gives the PKO Bank Polski SA Group a competitive advantage over its largest competitors.

PKO Bank Polski SA invests in the development of electronic and mobile banking services, therefore it dynamically adapts to changing Customer preferences. The IKO mobile payments project and creating a global scale innovative BLIK payment standard confirmed the high value of the business solutions offered.

The Bank actively cooperates with technological start-ups and sets the path for other Polish banks. It supports the development of the e-State by using innovative solutions in public administration.

PKO Bank Polski SA stands out due to its comprehensive product offer addressed to both firms and corporations.

The Bank offers a full range of modern financial solutions: settlement and transaction products, loan and deposit products as well as specialist brokerage services, leasing and factoring.

PKO Bank Polski SA addresses the needs of Polish entrepreneurs who are open to new development directions and supports them in foreign expansion.

PKO Bank Polski SA belongs to the circle of most desired employers, both among students and specialists, and managers.

PKO Bank Polski SA has a secure and stable financing structure based on customer deposits, mainly deposits of retail Customers.

The high assessment of the Bank’s financial reliability and competency with regard to issues on the debt market enable access to financing on Polish and international markets, thus ensuring the diversification of the sources of financing operations, and PKO Bank Hipoteczny SA is the leader among Polish issuers of mortgage bonds.

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