The third quarter was another period of solid financial performance for Bank Pekao. This was primarily driven by a marked increase in the loan portfolio, covering all customer segments—from consumer loans and microfinancing to large corporations. The bank also maintained momentum in digital banking, expanding its base of active mobile banking users. Its capital position remained exceptionally strong, and risk costs stayed at a low level.

The recurring consolidated net profit for the nine months of 2025 rose by 10% compared with the same period last year. The reported net profit for January–September increased by 9% to PLN 5.191 billion. In the third quarter alone, reported net profit amounted to PLN 1.905 billion.

“The recovery in the loan market, combined with effective customer acquisition and product optimization, allowed us to achieve more than solid financial results for the first nine months of this year. We continue to consistently deliver on our strategy to further strengthen our market position,” said Cezary Stypułkowski, CEO of Bank Pekao.

In the third quarter, lending activity grew strongly across virtually all business areas. In some segments, growth reached double digits. The volume of cash loans increased by 11% in Q3, with PLN 1.9 billion in new net sales—up as much as 15% year-on-year. The volume of microfinancing rose by 15%, while financing for companies in the MID+SME segments grew by 13%. Corporate lending overall also showed robust growth in Q3, exceeding 10%.

Bank Pekao continues to expand its customer base, with a strong focus on attracting young clients in the retail segment. Of nearly 130,000 new current accounts opened between July and September, as many as 41% belonged to individuals under 26 years of age. The bank’s strategy sets a target to increase the number of young customers from 1.1 million in 2024 to 1.4 million by 2027.

Pekao traditionally maintains a very strong capital position. At the end of September, the Group’s total capital ratio (TCR) stood at 17.0%, and the Tier 1 ratio at 15.6%—both well above regulatory minimums.

In spring, Bank Pekao announced its strategy through 2027. Under this plan, return on equity (ROE) is expected to exceed 18%, the cost/income ratio (C/I) is to be below 35%, and the number of active mobile clients is projected to reach 4.4 million. As of the end of September 2025, these figures stood at 21.5%, 34.5% (or 31.7% excluding the Bank Guarantee Fund contribution), and 3.7 million active mobile banking users, respectively.

Risk costs remained low in the January–September 2025 period, at 43 basis points, while the projected cost of risk (CoR) for the end of 2027 is expected to range between 65–75 basis points.