Strategy and growth

PKO Bank Polski SA’s vision for development is based on the assumption that its market financial sector leader position in Poland and a leading universal bank in Central Europe should be maintained.

The growth rate remained stable throughout 2014 and amounted to 3.3% y/y in spite of unfavourable developments in the external environment.

We forecast that the economic growth in Poland will accelerate to 3.6% in 2015 (from 3.3% in 2014), with the first half of the year being weaker and the second one being stronger (up 3.0-3.5% and 4.0-4.5% y/y respectively).

The manner in which the business areas are divided ensures consistency with the sales management model and offers the customers complex investment products.

In 2014 due to the growth of business activity the Bank strengthened its position in respect of its share in the deposit market, which amounted to 17.3% and increased by 1 pp. y/y.

The Marguerite Fund was established in 2009 for 20 years and currently implements investment projects such as green-field and brown-field in the energy and the road sector in Poland and other European Union countries.

Among strict banking activity the PKO Bank Polski SA Group provides specialist financial services relating to leasing, factoring, investment funds, pension funds and life insurance and debt collection services and support in the conduct of business, as well as real esta

Sponsorship activities realised by PKO Bank Polski SA have aimed at building the image of the Bank as a reliable financial institution, open to the needs and expectations of its clients, engaged in the development of the country and local communities.

The areas of the Foundation’s programme activities are: EDUCATION, TRADITION, HOPE, HEALTH, CULTURE, ECOLOGY, SPORT.

In 2014, promotional activities of the PKO Bank Polski SA’s subsidiaries were mainly aimed at promoting products and services offered by the Companies and were focused in particular on: