Powszechna Kasa Oszczędności Bank Polski Spółka Akcyjna, commonly known as PKO Bank Polski, is a Polish multinational banking and financial services company. Headquartered in Warsaw, it stands as Poland's largest and one of its oldest financial institutions, playing a pivotal role in the financial landscape of both Poland and the broader Central and Eastern European region. The bank was founded on February 7, 1919, as the Postal Savings Bank, by the decree of Chief of State Józef Piłsudski. Over its century-long history, PKO Bank Polski has evolved into a universal bank, providing a comprehensive suite of services to individual, corporate, and institutional clients.
The bank's core operations encompass retail banking, corporate and investment banking, and asset management. It holds a dominant market share in Poland in key areas such as retail deposits, loans, mortgages, and investment funds. PKO Bank Polski is a leader in technological innovation within the Polish banking sector, consistently introducing advanced digital solutions and mobile banking features to enhance customer experience. Its mobile application, IKO, is widely recognized and utilized by millions of customers. The PKO Bank Polski Group also includes subsidiaries offering specialized services in leasing, factoring, insurance, and pension funds, creating a robust financial ecosystem. The bank is publicly traded on the Warsaw Stock Exchange, with the Polish State Treasury as its main shareholder, underscoring its strategic importance to the national economy. The institution is committed to corporate social responsibility, engaging in community programs and promoting financial education.