Bank Pekao announced record financial results for 2025, achieving a net profit of PLN 7.015 billion. This represents a 10% increase compared to the previous year, achieved despite regulatory challenges. The main drivers of growth were: high dynamics of the loan portfolio, strong commission income, and effective acquisition of corporate clients. President Cezary Stypułkowski announced further acceleration of lending activity in the current year.

Historic Net Profit

The bank generated a net profit of PLN 7.015 billion in 2025, representing a 10% year-on-year increase and a record in the institution's history.

Expansion in the Corporate Sector

The key to success was the corporate segment and double-digit growth in loan sales in key strategic departments.

New Climate Strategy

The management adopted the Decarbonization Plan, integrating climate goals with the bank's ESG risk management system.

Reorganization of the PZU-Pekao Group

Work is underway on integrating the bank and insurer to create a strong group under Pekao's leadership.

Bank Pekao concluded 2025 with the highest financial result in its history. The consolidated net profit amounted to PLN 7.015 billion, which is a significant increase compared to PLN 6.38 billion achieved a year earlier. This result exceeded analysts' expectations, especially in the fourth quarter, in which the bank earned PLN 1.824 billion. A key success factor was the stable interest margin and double-digit growth dynamics in the sale of loan products in strategic segments. During the results conference, President Cezary Stypułkowski emphasized that the bank is focused on increasing its market share in retail banking, where it currently remains "underweight." A particular challenge remains the profitability of mortgage loans, but Pekao plans to intensify activities in the area of corporate financing and consumer loans. Simultaneously, the management approved the Decarbonization Plan, which is to adapt the group's activities to the requirements of ESG and the Paris Agreement. Bank Pekao SA, founded in 1929 originally as an institution serving the Polish diaspora, has been under the control of the PZU Group and the Polish Development Fund since 2017, which is referred to as the repolonization of the banking sector. The bank's authorities also signaled progress in the planned reorganization of relations with PZU. The project envisages the creation of an integrated banking-insurance group, in which the bank would play the role of the dominant entity. Despite record results, President Stypułkowski tempers expectations, indicating that repeating such a high profit in the coming years may be difficult due to the changing macroeconomic environment and potential adjustments of interest rates by the NBP. 7.02 mld zł — Pekao's record net profit in 2025 Pekao Group: 2023: 6.66, 2024: 6.38, 2025: 7.02 [{"aspekt": "Net Profit", "przed": "6.38 billion PLN", "po": "7.02 billion PLN"},{"aspekt": "Loan Growth", "przed": "6%", "po": "8%"},{"aspekt": "Net Profit (Q4)", "przed": "1.61 billion PLN", "po": "1.82 billion PLN"}]

Mentioned People

  • Cezary Stypułkowski — President of the Management Board of Bank Pekao S.A., responsible for implementing the bank's new strategy.