Польшаның ірі банкі – PKO Банк Польскі

Largest Polish banking company

Powszechna Kasa Oszczędności Bank Polski Spółka Akcyjna (, also known as PKO Bank Polski S. A., PKO BP S. A.) is a Polish multinational banking and financial services company headquartered in Warsaw, Poland. It is among the largest financial institutions in Poland, and is also one of the largest financial groups in Central and Eastern Europe, with 1,145 branches located in Poland and abroad and a market capitalization of PLN 52 billion (13.8 billion USD equivalent) as of 2018. It provides services to both individual and business clients; the core business activity of PKO Bank Polski being retail banking. The full Polish name roughly translates to "General Savings Bank", popularly, only the acronym "PKO" is used by clients.

On 7 February 1919, by the order of the Head of State Józef Piłsudski, the Postal Savings Bank was created. Its first director was appointed on 28 December 1919, Hubert Linde [pl]. For many years during the Second Polish Republic, Henryk Gruber was the president of the PKO. With time, a bank's head office was established in Warsaw with headquarters at ul. Świętokrzyska 31/33 and the first local branches: in Kraków, Lwów, Łódź, Poznań and Katowice. The first goal of the PKO was to introduce the Polish zloty into circulation instead of the Polish mark (as a derivative of the German mark). From 1920, the bank had a legal personality as a state institution. The employees of the funds were associated in the Association of Postal Savers Workers, which had their own wheels at larger branches, e. g. in Warsaw, in Łódź. During the German occupation of Poland, in the Second World War, Bank Polski operated under German management. In 1945, the cash register activity was resumed. On 1 January 1950, the Postal Savings Fund was liquidated, and its agencies were taken over by the General Savings Bank (Powszechna Kasa Oszczędności). In 1974, the PKO offer was enriched with a savings and settlement account for natural persons (commonly known as ROR). From 1975 to 1987, the PKO branches operated within the structures of the National Bank of Poland, retaining their identity. On 1 November 1987, PKO Bank Polski became an independent bank again, as part of the economic reforms implemented by the communist government of Poland in its last years. In 2019, they were announced the title sponsor for the Polish Ekstraklasa. On 2. February 2024 the bank dismissed eight out of eleven members of the supervisory board. 5 days later, on 7. February 2024, the CEO of the bank Darius Szwed resigned, leaving the bank the following week. On 15. February Szymon Midera was appointed as acting CEO.

Today (as at the end of 2015) PKO Bank Polski employs around 29,000 people and has a full year net profit of over 7 billion PLN (more than 2 billion US dollars). Its assets are worth more than 285 billion PLN (around 80 billion US dollars). Bank was ranked 510 in the Forbes Global 2000 for year 2010. The bank is also present outside Poland, notably in Ukraine after the acquisition of KredoBank (Кредобанк). The company is headquartered in central Warsaw. Because of its size and position as one of the first banks, PKO Bank Polski is still one of the best recognized and most valuable brands in Poland. Specialists from The Banker magazine estimated the value of Bank's brand at US$1 billion and in Rzeczpospolita "Polish Brands 2010" ranking its value was set at PLN 3.6 billion. In the 2011 edition of ranking "The BrandFinance® Banking 500" prepared by the British firm Brand Finance, which includes the most valuable bank brands in the world, PKO Bank Polski brand was valued at US$1.480 billion. It gives PKO Bank Polski the 1st place in Poland and Central and Eastern Europe and 114th place in the world.

PKO Bank Polski is listed on the Warsaw Stock Exchange. As of 3Q 2020, the state directly and indirectly holds 31.39% of shares (29.43% belong to the State Treasury of Poland and 1.96% to state owned Bank Gospodarstwa Krajowego).