Market position

The PKO Bank Polski SA Group has a lead share in the Polish banking market in respect of loans and savings, in the lease market and in the individuals’ investment fund market.

Annual report
2018

In 2018 the Bank’s Group:

  • maintained high shares in the loans market, both in terms of volume and sales of selected products;
  • strengthened its position on the savings market, both in respect of individuals and institutional entities;
  • achieved a record share and thus consolidated its position on the individuals; investment fund market – throughout 2018 PKO TFI SA acquired over PLN 6 billion in net funds from individuals.

The Group is the leader

17.6%
of the loan market
18.4%
of the savings market
11.2%
of the lease market (sales)
22.2%
of the investment fund market - individuals

Market shares

31.12.2018 31.12.2017 31.12.2016 31.12.2015 31.12.2014 Change 2018/2017
Loans for: 17.6% 17.7% 17.8% 17.9% 17.9% -0.1 p.p.
individuals, of which: 22.9% 23.0% 22.8% 22.9% 22.9% -0.1 p.p.
housing 26.1% 26.1% 25.7% 25.5% 25.8% 0.0 p.p.
PLN 28.3% 28.6% 28.6% 28.7% 29.6% -0.3 p.p.
foreign currency 21.0% 21.2% 21.4% 21.5% 21.5% -0.2 p.p.
consumer and other 15.8% 15.9% 15.8% 16.1% 15.6% -0.1 p.p.
in curent account 31.8% 32.0% 32.6% 33.9% 37.9% -0.2 p.p.
institutional entities 12.7% 12.8% 12.9% 13.0% 13.1% -0.1 p.p.
Non-Treasury debt securities (indebtedness) 32.5% 29.3% 29.2% 28.8% 31.5% 3.2 p.p.
Leasing (sales) 11.2% 12.0% 7.5% 6.1% 6.4% -0.8 p.p.
Mortgage loans (sales) 28.9% 29.6% 31.9% 24.9% 30.3% -0.7 p.p.
Total savings* 18.4% 17.3% 16.1% 16.5% 16.3% 1.1 p.p.
savings of individuals** 22.1% 21.2% 20.8% 20.8% 21.4% 0.9 p.p.
Deposits for: 18.1% 17.9% 17.3% 17.9% 17.3% 0.2 p.p.
individuals 20.2% 20.4% 20.7% 20.7% 21.7% -0.2 p.p.
institutional entities 15.2% 14.5% 12.4% 14.0% 11.5% 0.7 p.p.
TFI assets – funds of individuals 22.2% 17.5% 14.6% 14.7% 14.4% 4.7 p.p.
Brokerage activities – transactions on secondary market*** 7.7% 14.7% 9.4% 9.1% 10.5% -7.0 p.p.

Source: NBP, WSE, Polish Leasing Association, PBA, Analizy Online
*  Total savings include total deposits, TFI assets and saving Treasuring bonds.
** Savings of individuals include deposits of individuals, funds of individuals and saving Treasuring bonds.
*** Data for 2017 includes effects of intermediation in sales of shares of Pekao S.A. On elimintating this effects, the share of brokerage activities in transactions on the secondary market would amount to 11.2%.

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