Powszechna Kasa Oszczednosci Bank Polski SA (PKO) - Net Assets
Based on the latest financial reports, Powszechna Kasa Oszczednosci Bank Polski SA (PKO) has net assets worth zł58.50 Billion PLN (≈ $16.10 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 (zł583.08 Billion ≈ $160.47 Billion USD) and total liabilities (zł524.58 Billion ≈ $144.37 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 PKO tangible net assets ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | zł58.50 Billion |
| % of Total Assets | 10.03% |
| Annual Growth Rate | 9.95% |
| 5-Year Change | 55.21% |
| 10-Year Change | 79.63% |
| Growth Volatility | 11.42 |
Powszechna Kasa Oszczednosci Bank Polski SA - Net Assets Trend (2005–2025)
This chart illustrates how Powszechna Kasa Oszczednosci Bank Polski SA's net assets have evolved over time, based on quarterly financial data. See how many days can Powszechna Kasa Oszczednosci Bank Polski fund operations to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Powszechna Kasa Oszczednosci Bank Polski SA (2005–2025)
The table below shows the annual net assets of Powszechna Kasa Oszczednosci Bank Polski SA from 2005 to 2025. For live valuation and market cap data, see Powszechna Kasa Oszczednosci Bank Polski (PKO) total market value.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | zł58.50 Billion ≈ $16.10 Billion |
+11.71% |
| 2024-12-31 | zł52.37 Billion ≈ $14.41 Billion |
+15.79% |
| 2023-12-31 | zł45.23 Billion ≈ $12.45 Billion |
+27.63% |
| 2022-12-31 | zł35.44 Billion ≈ $9.75 Billion |
-5.99% |
| 2021-12-31 | zł37.69 Billion ≈ $10.37 Billion |
-5.56% |
| 2020-12-31 | zł39.91 Billion ≈ $10.98 Billion |
-4.01% |
| 2019-12-31 | zł41.58 Billion ≈ $11.44 Billion |
+6.33% |
| 2018-12-31 | zł39.10 Billion ≈ $10.76 Billion |
+7.85% |
| 2017-12-31 | zł36.26 Billion ≈ $9.98 Billion |
+11.32% |
| 2016-12-31 | zł32.57 Billion ≈ $8.96 Billion |
+7.61% |
| 2015-12-31 | zł30.26 Billion ≈ $8.33 Billion |
+9.59% |
| 2014-12-31 | zł27.62 Billion ≈ $7.60 Billion |
+9.78% |
| 2013-12-31 | zł25.15 Billion ≈ $6.92 Billion |
+2.06% |
| 2012-12-31 | zł24.65 Billion ≈ $6.78 Billion |
+7.99% |
| 2011-12-31 | zł22.82 Billion ≈ $6.28 Billion |
+6.85% |
| 2010-12-31 | zł21.36 Billion ≈ $5.88 Billion |
+4.52% |
| 2009-12-31 | zł20.44 Billion ≈ $5.62 Billion |
+45.99% |
| 2008-12-31 | zł14.00 Billion ≈ $3.85 Billion |
+16.85% |
| 2007-12-31 | zł11.98 Billion ≈ $3.30 Billion |
+17.67% |
| 2006-12-31 | zł10.18 Billion ≈ $2.80 Billion |
+16.02% |
| 2005-12-31 | zł8.77 Billion ≈ $2.42 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to Powszechna Kasa Oszczednosci Bank Polski 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 1061.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | zł21.90 Billion | 37.43% |
| Other Components | zł36.61 Billion | 62.57% |
| Total Equity | zł58.51 Billion | 100.00% |
Powszechna Kasa Oszczednosci Bank Polski SA Competitors by Market Cap
The table below lists competitors of Powszechna Kasa Oszczednosci Bank Polski SA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
SSE PLC ADR LS-50 1
F:SCTA
|
$34.54 Billion |
|
Intact Financial Corporation
TO:IFC
|
$34.55 Billion |
|
Teva Pharmaceutical Industries Limited
F:TEV
|
$34.58 Billion |
|
People's Insurance of China Ltd
SHG:601319
|
$34.59 Billion |
|
HCL Technologies Limited
NSE:HCLTECH
|
$34.50 Billion |
|
Dollarama Inc
TO:DOL
|
$34.48 Billion |
|
Chunghwa Telecom Co
TW:2412
|
$34.46 Billion |
|
United Microelectronics Corporation
F:UMCB
|
$34.44 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Powszechna Kasa Oszczednosci Bank Polski SA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 52,381,000,000 to 58,514,000,000, a change of 6,133,000,000 (11.7%).
- Net income of 10,682,000,000 contributed positively to equity growth.
- Dividend payments of 6,850,000,000 reduced retained earnings.
- Other comprehensive income decreased equity by 30,503,000,000.
- Other factors increased equity by 32,804,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | zł10.68 Billion | +18.26% |
| Dividends Paid | zł6.85 Billion | -11.71% |
| Other Comprehensive Income | zł-30.50 Billion | -52.13% |
| Other Changes | zł32.80 Billion | +56.06% |
| Total Change | zł- | 11.71% |
Book Value vs Market Value Analysis
This analysis compares Powszechna Kasa Oszczednosci Bank Polski 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: 2.14x
- 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 12.36x to 2.14x 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 | zł8.12 | zł100.38 | x |
| 2006-12-31 | zł9.37 | zł100.38 | x |
| 2007-12-31 | zł11.08 | zł100.38 | x |
| 2008-12-31 | zł12.80 | zł100.38 | x |
| 2009-12-31 | zł18.21 | zł100.38 | x |
| 2010-12-31 | zł17.09 | zł100.38 | x |
| 2011-12-31 | zł18.26 | zł100.38 | x |
| 2012-12-31 | zł19.72 | zł100.38 | x |
| 2013-12-31 | zł20.12 | zł100.38 | x |
| 2014-12-31 | zł22.10 | zł100.38 | x |
| 2015-12-31 | zł24.23 | zł100.38 | x |
| 2016-12-31 | zł26.07 | zł100.38 | x |
| 2017-12-31 | zł29.01 | zł100.38 | x |
| 2018-12-31 | zł31.29 | zł100.38 | x |
| 2019-12-31 | zł33.27 | zł100.38 | x |
| 2020-12-31 | zł31.94 | zł100.38 | x |
| 2021-12-31 | zł30.17 | zł100.38 | x |
| 2022-12-31 | zł28.36 | zł100.38 | x |
| 2023-12-31 | zł36.19 | zł100.38 | x |
| 2024-12-31 | zł41.90 | zł100.38 | x |
| 2025-12-31 | zł46.81 | zł100.38 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Powszechna Kasa Oszczednosci Bank Polski 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): 18.26%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 34.40%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.96x
- Recent ROE (18.26%) is above the historical average (13.31%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 19.87% | 26.96% | 0.07x | 10.49x | zł861.70 Million |
| 2006 | 21.32% | 31.02% | 0.07x | 10.05x | zł1.14 Billion |
| 2007 | 24.36% | 35.83% | 0.07x | 9.11x | zł1.71 Billion |
| 2008 | 22.37% | 32.65% | 0.07x | 9.65x | zł1.73 Billion |
| 2009 | 11.29% | 25.33% | 0.06x | 7.66x | zł262.68 Million |
| 2010 | 15.06% | 30.84% | 0.06x | 7.94x | zł1.08 Billion |
| 2011 | 16.68% | 33.48% | 0.06x | 8.36x | zł1.52 Billion |
| 2012 | 14.58% | 32.25% | 0.06x | 7.75x | zł1.13 Billion |
| 2013 | 12.84% | 30.57% | 0.05x | 7.92x | zł714.51 Million |
| 2014 | 11.78% | 29.00% | 0.05x | 9.00x | zł491.57 Million |
| 2015 | 8.62% | 24.26% | 0.04x | 8.81x | zł-418.76 Million |
| 2016 | 8.82% | 24.15% | 0.04x | 8.76x | zł-384.48 Million |
| 2017 | 8.56% | 24.48% | 0.04x | 8.19x | zł-522.70 Million |
| 2018 | 9.57% | 27.66% | 0.04x | 8.29x | zł-170.10 Million |
| 2019 | 9.69% | 27.28% | 0.04x | 8.37x | zł-127.70 Million |
| 2020 | -6.41% | -17.56% | 0.04x | 9.44x | zł-6.55 Billion |
| 2021 | 12.93% | 32.18% | 0.04x | 11.09x | zł1.10 Billion |
| 2022 | 9.34% | 19.14% | 0.04x | 12.15x | zł-232.90 Million |
| 2023 | 12.16% | 31.62% | 0.03x | 11.09x | zł978.20 Million |
| 2024 | 17.76% | 34.03% | 0.05x | 10.03x | zł4.07 Billion |
| 2025 | 18.26% | 34.40% | 0.05x | 9.96x | zł4.83 Billion |
Industry Comparison
This section compares Powszechna Kasa Oszczednosci Bank Polski SA's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $11,866,115,889
- Average return on equity (ROE) among peers: 9.08%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Powszechna Kasa Oszczednosci Bank Polski SA (PKO) | zł58.50 Billion | 19.87% | 8.97x | $34.53 Billion |
| Bank Handlowy w Warszawie SA (BHW) | $5.25 Billion | 11.78% | 5.26x | $4.41 Billion |
| BNP Paribas Bank Polska S.A. (BNP) | $11.26 Billion | 3.92% | 12.45x | $5.96 Billion |
| Bank Ochrony Środowiska SA (BOS) | $623.88 Million | 6.66% | 11.03x | $257.75 Million |
| Erste Bank Polska S.A. (EBP) | $21.02 Billion | 10.31% | 6.14x | $17.07 Billion |
| Getin Holding SA (GTN) | $997.55 Million | 10.16% | 21.98x | $26.43 Million |
| ING Bank Śląski SA (ING) | $21.34 Billion | 21.71% | 12.21x | $15.75 Billion |
| mBank SA (MBK) | $13.72 Billion | -8.59% | 13.55x | $15.05 Billion |
| Bank Millennium S.A. (MIL) | $9.13 Billion | 13.17% | 16.06x | $6.35 Billion |
| Bank Polska Kasa Opieki SA (PEO) | $23.46 Billion | 12.60% | 5.43x | $17.04 Billion |
About Powszechna Kasa Oszczednosci Bank Polski SA
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides various banking products and services in Poland and internationally. It operates through three segments: Retail, Corporate and Investment, and Transfer Center and Other. The company offers current, currency, children and teenagers, and savings accounts; term deposits; and consumer, real estate, business, mortgage, and corporate loan… Read more