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
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%.