Strong growth in the loan portfolio, solid fee and commission income, and effective customer acquisition—particularly in corporate banking—translated into more than PLN 7 billion in consolidated net profit for Bank Pekao. The bank continued to expand dynamically in digital channels and maintained low risk costs both in the fourth quarter and throughout the year.

Reported net profit in 2025 increased by 10% to PLN 7.015 billion. In the fourth quarter alone, reported net profit amounted to PLN 1.824 billion.

“2025 was a period of favorable macroeconomic conditions for the sector; however, the improvement in our results was primarily the effect of consistently executing our strategy and strengthening Bank Pekao’s competitive position. It is the outcome of teamwork, including efforts to enhance the quality of customer relationships and process efficiency. As we enter a more demanding 2026, we remain focused on further improving customer experience, increasing operational efficiency, and building sustainable value—with determination and a clear sense of direction. Growth, as one of the three pillars of our strategy, will remain a key driver of our actions across all business lines,” said Cezary Stypułkowski, CEO of Bank Pekao.

One of the most important drivers of Bank Pekao’s profit growth in 2025 was the expansion of its lending activity, which recorded double-digit growth in key strategic segments. Over the full year, the volume of cash loans increased by as much as 13%, with PLN 1.9 billion in net new sales in Q4 2025 alone (a 16% year-on-year increase). The volume of financing for companies in the MID and SME segments also rose by 13%. Corporate loans overall grew by more than 11%.

In the key MID segment, customer acquisition reached a record level: 1,100 newly acquired clients, representing a 26% increase compared with 2024. Very strong results were also achieved in expanding the retail customer base—nearly 500,000 new accounts were opened, including 173,000 for customers under the age of 26. The bank’s strategy includes a plan to increase the number of young customers to 1.4 million by 2027, up from 1.1 million in 2024.

Bank Pekao’s capital position remains traditionally very strong. At the end of 2025, the group’s Total Capital Ratio (TCR) stood at 16.4%, while the Tier 1 ratio was 15.0%, both clearly above regulatory minimum requirements.

In spring last year, Bank Pekao announced its strategy through 2027. By the end of the strategic period, ROE is expected to exceed 18%, the cost-to-income ratio (C/I) is to remain below 35%, and the number of active mobile banking customers is to reach 4.4 million. At the end of 2025, these indicators stood at 21.4%, 34.5% (32.2% excluding the contribution to the Bank Guarantee Fund), and 3.72 million active mobile banking users, respectively.

Risk costs remained low in 2025 at 39 basis points, while the targeted cost of risk (CoR) by the end of 2027 is expected to range between 65 and 75 basis points.