Bank Polska Kasa Opieki SA (PEO) - Net Assets
Based on the latest financial reports, Bank Polska Kasa Opieki SA (PEO) has net assets worth zł35.36 Billion PLN (≈ $9.73 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł352.23 Billion ≈ $96.94 Billion USD) and total liabilities (zł316.87 Billion ≈ $87.21 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Bank Polska Kasa Opieki SA asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | zł35.36 Billion |
| % of Total Assets | 10.04% |
| Annual Growth Rate | 7.44% |
| 5-Year Change | 48.19% |
| 10-Year Change | 54.34% |
| Growth Volatility | 15.66 |
Bank Polska Kasa Opieki SA - Net Assets Trend (2005–2025)
This chart illustrates how Bank Polska Kasa Opieki SA's net assets have evolved over time, based on quarterly financial data. Also explore PEO total assets for the complete picture of this company's asset base.
Annual Net Assets for Bank Polska Kasa Opieki SA (2005–2025)
The table below shows the annual net assets of Bank Polska Kasa Opieki SA from 2005 to 2025. For live valuation and market cap data, see PEO market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | zł35.36 Billion ≈ $9.73 Billion |
+10.80% |
| 2024-12-31 | zł31.91 Billion ≈ $8.78 Billion |
+5.18% |
| 2023-12-31 | zł30.34 Billion ≈ $8.35 Billion |
+33.22% |
| 2022-12-31 | zł22.78 Billion ≈ $6.27 Billion |
-4.56% |
| 2021-12-31 | zł23.86 Billion ≈ $6.57 Billion |
-6.40% |
| 2020-12-31 | zł25.49 Billion ≈ $7.02 Billion |
+8.96% |
| 2019-12-31 | zł23.40 Billion ≈ $6.44 Billion |
+2.59% |
| 2018-12-31 | zł22.81 Billion ≈ $6.28 Billion |
-1.98% |
| 2017-12-31 | zł23.27 Billion ≈ $6.40 Billion |
+1.55% |
| 2016-12-31 | zł22.91 Billion ≈ $6.31 Billion |
-2.19% |
| 2015-12-31 | zł23.42 Billion ≈ $6.45 Billion |
-2.58% |
| 2014-12-31 | zł24.05 Billion ≈ $6.62 Billion |
+2.26% |
| 2013-12-31 | zł23.51 Billion ≈ $6.47 Billion |
+0.24% |
| 2012-12-31 | zł23.46 Billion ≈ $6.46 Billion |
+9.84% |
| 2011-12-31 | zł21.36 Billion ≈ $5.88 Billion |
+5.43% |
| 2010-12-31 | zł20.26 Billion ≈ $5.58 Billion |
+10.27% |
| 2009-12-31 | zł18.37 Billion ≈ $5.06 Billion |
+14.56% |
| 2008-12-31 | zł16.04 Billion ≈ $4.41 Billion |
+8.74% |
| 2007-12-31 | zł14.75 Billion ≈ $4.06 Billion |
+65.84% |
| 2006-12-31 | zł8.89 Billion ≈ $2.45 Billion |
+5.58% |
| 2005-12-31 | zł8.42 Billion ≈ $2.32 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to Bank Polska Kasa Opieki SA's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 853900000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | zł8.54 Billion | 24.16% |
| Other Components | zł26.81 Billion | 75.84% |
| Total Equity | zł35.35 Billion | 100.00% |
Bank Polska Kasa Opieki SA Competitors by Market Cap
The table below lists competitors of Bank Polska Kasa Opieki SA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Brookfield Infrastructure Partners L.P
TO:BIP-UN
|
$16.36 Billion |
|
Annaly Capital Management, Inc.
NYSE:NLY
|
$16.39 Billion |
|
Bank of Beijing Co Ltd
SHG:601169
|
$16.40 Billion |
|
S.P.E.E.H Hidroelectrica S.A.
RO:H2O
|
$16.40 Billion |
|
Genmab A/S
CO:GMAB
|
$16.33 Billion |
|
Telkom Indonesia (Persero) Tbk PT
JK:TLKM
|
$16.31 Billion |
|
Alamos Gold Inc
TO:AGI
|
$16.27 Billion |
|
PTC Inc
NASDAQ:PTC
|
$16.25 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank Polska Kasa Opieki SA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 31,901,000,000 to 35,348,000,000, a change of 3,447,000,000 (10.8%).
- Net income of 7,015,000,000 contributed positively to equity growth.
- Dividend payments of 4,822,000,000 reduced retained earnings.
- Other factors increased equity by 1,254,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | zł7.01 Billion | +19.85% |
| Dividends Paid | zł4.82 Billion | -13.64% |
| Other Changes | zł1.25 Billion | +3.55% |
| Total Change | zł- | 10.81% |
Book Value vs Market Value Analysis
This analysis compares Bank Polska Kasa Opieki SA's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.68x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.48x to 1.68x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-12-31 | zł50.48 | zł226.30 | x |
| 2006-12-31 | zł53.18 | zł226.30 | x |
| 2007-12-31 | zł83.41 | zł226.30 | x |
| 2008-12-31 | zł60.80 | zł226.30 | x |
| 2009-12-31 | zł69.74 | zł226.30 | x |
| 2010-12-31 | zł76.87 | zł226.30 | x |
| 2011-12-31 | zł81.05 | zł226.30 | x |
| 2012-12-31 | zł89.05 | zł226.30 | x |
| 2013-12-31 | zł89.23 | zł226.30 | x |
| 2014-12-31 | zł91.51 | zł226.30 | x |
| 2015-12-31 | zł89.18 | zł226.30 | x |
| 2016-12-31 | zł87.24 | zł226.30 | x |
| 2017-12-31 | zł88.65 | zł226.30 | x |
| 2018-12-31 | zł86.85 | zł226.30 | x |
| 2019-12-31 | zł89.10 | zł226.30 | x |
| 2020-12-31 | zł97.09 | zł226.30 | x |
| 2021-12-31 | zł90.87 | zł226.30 | x |
| 2022-12-31 | zł86.73 | zł226.30 | x |
| 2023-12-31 | zł115.55 | zł226.30 | x |
| 2024-12-31 | zł121.54 | zł226.30 | x |
| 2025-12-31 | zł134.67 | zł226.30 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank Polska Kasa Opieki SA utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 19.85%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 40.29%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.96x
- Recent ROE (19.85%) is above the historical average (13.46%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 18.29% | 2608.07% | 0.00x | 7.37x | zł696.98 Million |
| 2006 | 20.14% | 37.22% | 0.07x | 7.63x | zł899.92 Million |
| 2007 | 14.70% | 39.99% | 0.04x | 8.46x | zł688.80 Million |
| 2008 | 22.12% | 44.04% | 0.06x | 8.27x | zł1.93 Billion |
| 2009 | 13.19% | 33.94% | 0.05x | 7.14x | zł582.93 Million |
| 2010 | 12.52% | 35.66% | 0.05x | 6.65x | zł507.82 Million |
| 2011 | 13.63% | 38.24% | 0.05x | 6.89x | zł772.27 Million |
| 2012 | 12.65% | 38.11% | 0.05x | 6.46x | zł619.05 Million |
| 2013 | 11.89% | 37.43% | 0.05x | 6.77x | zł442.79 Million |
| 2014 | 11.30% | 36.89% | 0.04x | 6.98x | zł312.95 Million |
| 2015 | 9.79% | 32.52% | 0.04x | 7.21x | zł-48.36 Million |
| 2016 | 9.95% | 30.95% | 0.04x | 7.61x | zł-10.43 Million |
| 2017 | 10.64% | 33.31% | 0.04x | 7.97x | zł148.35 Million |
| 2018 | 10.03% | 29.11% | 0.04x | 8.38x | zł7.49 Million |
| 2019 | 9.26% | 26.00% | 0.04x | 8.69x | zł-173.58 Million |
| 2020 | 4.32% | 13.89% | 0.03x | 9.15x | zł-1.45 Billion |
| 2021 | 9.12% | 25.27% | 0.03x | 10.51x | zł-210.25 Million |
| 2022 | 7.54% | 15.14% | 0.04x | 12.35x | zł-559.29 Million |
| 2023 | 21.69% | 44.43% | 0.05x | 10.08x | zł3.55 Billion |
| 2024 | 19.99% | 39.45% | 0.05x | 10.48x | zł3.19 Billion |
| 2025 | 19.85% | 40.29% | 0.05x | 9.96x | zł3.48 Billion |
Industry Comparison
This section compares Bank Polska Kasa Opieki SA's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $13,321,618,333
- Average return on equity (ROE) among peers: 1.83%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bank Polska Kasa Opieki SA (PEO) | zł35.36 Billion | 18.29% | 8.96x | $16.35 Billion |
| Bank Handlowy w Warszawie SA (BHW) | $5.42 Billion | 12.13% | 5.64x | $4.11 Billion |
| BNP Paribas Bank Polska S.A. (BNP) | $11.26 Billion | 3.92% | 12.45x | $6.02 Billion |
| Bank Ochrony Środowiska SA (BOS) | $1.48 Billion | 4.45% | 11.44x | $258.26 Million |
| Getin Holding SA (GTN) | $654.71 Million | -53.04% | 5.60x | $26.06 Million |
| ING Bank Śląski SA (ING) | $10.48 Billion | 11.96% | 10.21x | $14.04 Billion |
| mBank SA (MBK) | $13.74 Billion | 0.18% | 15.52x | $13.36 Billion |
| Bank Millennium S.A. (MIL) | $6.44 Billion | 8.48% | 9.28x | $5.95 Billion |
| Powszechna Kasa Oszczednosci Bank Polski SA (PKO) | $52.37 Billion | 17.77% | 9.03x | $32.56 Billion |
| Santander Bank Polska SA (SPL) | $18.05 Billion | 10.61% | 6.45x | $17.44 Billion |
About Bank Polska Kasa Opieki SA
Bank Polska Kasa Opieki S.A., a commercial bank, provides banking products and services to retail and corporate clients in Poland. It operates through Retail Banking and Private Banking; Enterprise banking; and Corporate and Investment Banking segments. The company offers bank accounts, deposits and certificates of deposit, payment cards, loan products, mortgage and consumer loans, and insurance … Read more