Double-digit growth in 2025
The bank noted that in the fourth quarter of last year alone, Pekao’s net profit amounted to PLN 1.824 billion, while the net profit reported fromnet profit for the entire year 2025 increased by 10%. year on year, up to PLN 7.015 billion.
According to the information, the result was influenced by the growing dynamics of the loan portfolio, strong commission income and effective customer acquisition, especially in corporate banking.
Companies are the key to growth
“Over the course of the entire past year the volume of cash loans increased by as much as 13%. with PLN 1.9 billion of new net sales in the fourth quarter of 2025 alone. (which means a year-on-year increase of 16%). The volume of financing for companies from the MID+SME segments also increased by 13%. And in the case of corporate loans, the total increase exceeded 11%. – noted the bank.
He indicated that in 2025, the volume of cash loans increased by 13%, and in the fourth quarter, new net sales amounted to PLN 1.9 billion (an increase of 16% y/y). Financing for companies from the MID and SME segments increased by 13 percent, while total corporate loans increased by over 11 percent.
Retail banking
In turn, in retail banking nearly 500,000 were opened new accounts, including 173 thousand for young customers up to 26 years of age. The bank added that its strategy included a plan to increase the number of young customers to 1.4 million in 2027 from 1.1 million in 2024.
“2025 was a period of favorable macroeconomic conditions for the sector, but the improvement in our results was primarily the result of consistent implementation of the strategy and strengthening the competitive position of Bank Pekao. This is the result of team work, among others, in the area of quality of customer relations and efficiency of processes. (…) Growth as one of the three pillars of our strategy will remain a very important motivator of our activities in all business lines,” said Cezary Stypułkowski, president of Bank Pekao, quoted in the release.
Very good capital position of the group
The information assessed that the group’s capital position remains very good. At the end of 2025, the total capital ratio (TCR) was 16.4% and Tier 1 – 15.0%, clearly above regulatory requirements. Costs of risk (CoR) were low at 39 bps compared to the target of 65-75 bps assumed for 2027.
The announcement recalled that last spring Bank Pekao announced its strategy until 2027. The return on equity (ROE) ratio at the end of the plan period is to be above 18 percent, the ratio determining the ratio of operating costs to generated income (C/I) is to be below 35%. and there are to be 4.4 million active mobile customers. At the end of 2025, these indicators were 21.4%; 34.5 percent (but 32.2% excluding contributions to the Bank Guarantee Fund) and PLN 3.72 million in the case of active mobile banking users.
Bank Pekao, founded in 1929, is one of the largest financial institutions in the Central and Eastern European region and the second largest universal bank in Poland, with the second largest branch network in the country. The bank is listed on the Warsaw Stock Exchange. 20 percent Pekao shares are controlled by PZU and 12.8 percent. has PFR.
