Uprzejmie informujemy, że w ramach naszej witryny używamy plików cookies w celu świadczenia usług na najwyższym poziomie oraz w sposób dostosowany do Twoich indywidualnych preferencji. Korzystanie z witryny bez zmiany ustawień oznacza, że akceptujesz otrzymywanie plików cookies. Zmiany ustawień dla plików cookies możesz dokonać w każdym momencie użytkowania serwisu.
Więcej szczegółów w zakładce Polityka Prywatności

Report 2022

Year full of challenges
– year of responsibility

The past year was full of challenges, most of which were caused by Russia’s aggression in Ukraine. Since the end of February last year, the energy crisis has sharply escalated; Poland has become a frontline state, and the Capital Group of Bank Pekao S.A. engaged strongly in the help towards the war refugees from Ukraine. In the economic sphere, the direct effect of the Russian aggression was a strong inflationary pressure caused by a supply shock on the commodity market, a large number of one-off and unusual events affecting the results of Bank Pekao and the entire banking sector, and further unfavorable developments regarding foreign currency mortgage loans took place. In these demanding conditions, the Pekao Group did well, demonstrating its balance sheet strength, lower-than-sector risk exposure and resilient business model.

Leszek Skiba

President of the Management Board of Bank Pekao S.A.

Mobile Banking


PeoPay i Pekao24

Development of electronic and mobile banking

In 2022, the number of active mobile banking customers increased by 359 thousand - up to 2.76 million. PeoPay is one of the best-rated financial applications available in Google Play and AppStore.


Bank in 2022



Significant increase in corporate deposits
Growth of Enterprise Banking financing volumes

Individual customers

New current accounts

Income and profit

Gross operating profit

Environment, Society, Governance

Reduction of carbon footprint in scope 1 & 2 GHG

Strategy’s implementation


We are on track to fulfill our ESG Strategy

Strategy of Bank Pekao S.A. for 2021-2024 was developed in an environment of historically low interest rates. A series of interest rate increases that have taken place since then (increase in the reference rate from 0.1% at the beginning of 2021 to 6.75% in 2022) has had a significant impact on the growth trajectory of the Bank's net interest income in 2022. in relation to strategic assumptions. The Bank's financial results in 2022 were also affected by a number of one-off events.

Strategic goals of Bank Pekao 2021 2022 Target
ROE (%) 8.70% 7.60% ~10%
C/I (%including to contributions to the BFG1 cost and fee paid for the Protection Schemes2) 47.30% 44.90% 42%
Active mobile banking customers (mn) 2.4 2.8 3.2
Digitisation rate (%) 57% 69% ~100%
1 The Bank Guarantee Fund (BFG)
2 Protection Scheme referred to in Art. 4 sec. 1 point 9a of the Act of August 29. 1997 - Banking Law.

We implement our ESG Strategy as planned

The Bank aims to integrate ESG into all key processes of Pekao’s operations, including lending, investment and advisory, purchasing, and the incentive system. The Bank also recognizes the potential inherent in ESG product offerings and is taking steps to increase its “green” portfolio across all business segments. Transparency of ESG policies and non-financial reporting remains a priority, especially in the context of recent regulations.

Strategic goals of Bank Pekao 2021 2022 Target
Financing of sustainable projects (PLN bn) 0.9 4.3 >8
Support for ESG bonds issue by our clients (PLN bn) 5.9 8.0 >22
Increase in the number of hours worked as part of volunteering 6,531 8,432 >5,500
Gender pay gap 37.90% 35.90% <35% (-5%)

Partner in enterprise banking

We support our customers’ growth

We support our customers with transaction banking products that allow their business to run smoothly and safely.

% y/y
Increase in the amount of newly issued guarantees and sureties
% y/y
Growth of combined MID & SME portfolio (enterprise loan book)
% y/y
SME financing sales
% y/y
New sale of SME loans with guarantees

Financing green projects, Structured transactions, projects on the financial market

TAURON Polska Energia

PLN 4 000 mn

Revolving Credit Facility,
ESG financing

R Power

PLN 779 mn

Syndicated financing, Photovoltaic farms

Stigma Sp. z o.o.

PLN 763 mn

Syndicated financing,
ESG financing

Polskie Porty Lotnicze

PLN 400 mn

Bond issue programme

Gdańskie Autobusy i Tramwaje

PLN 65 mn

Bond issue programme

Miasto Zabrze

PLN 70 mn

Bond issue programme


PLN 9 600 mn

Multi-Purpose Overdraft Limit


PLN 750 mn

Bridge Facility


PLN 550 mn

Senior Facilities

Volkswagen Financial services

PLN 400 mn

2Y Bonds


PLN 350 mn

6Y Bonds


PLN 110 mn

3Y Bonds

Search results