Powszechna Kasa Oszczednosci Bank Polski SA Net Assets
Powszechna Kasa Oszczednosci Bank Polski SA net assets. Based on the latest financial reports, Powszechna Kasa Oszczednosci Bank Polski SA (PKO) has net assets worth zł59.87 Billion PLN (≈ $16.48 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł593.84 Billion ≈ $163.43 Billion USD) and total liabilities (zł533.98 Billion ≈ $146.96 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. Also explore PKO net assets growth trend to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | zł59.87 Billion |
| % of Total Assets | 10.08% |
| Annual Growth Rate | 9.95% |
| 5-Year Change | 55.21% |
| 10-Year Change | 79.63% |
| Growth Volatility | 11.42 |
Net Assets of Powszechna Kasa Oszczednosci Bank Polski SA (2005–2025)
Net assets of Powszechna Kasa Oszczednosci Bank Polski SA from 2005 to 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 leveraged is Powszechna Kasa Oszczednosci Bank Polski's balance sheet to measure how much of total assets are equity-financed.
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 market cap and overall valuation, see Powszechna Kasa Oszczednosci Bank Polski market capitalisation.
| 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.
Powszechna Kasa Oszczednosci Bank Polski SA Net Assets Breakdown (December 2025)
Powszechna Kasa Oszczednosci Bank Polski SA net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | zł21.90 Billion | 37.43% |
| Common Stock | zł1.25 Billion | 2.14% |
| Other Comprehensive Income | zł35.36 Billion | 60.43% |
| 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 |
|---|---|
|
Adani Power Limited
NSE:ADANIPOWER
|
$39.42 Billion |
|
Telstra Group Ltd
AU:TLS
|
$39.42 Billion |
|
Commerzbank AG
XETRA:CBK
|
$39.44 Billion |
|
CITIC LTD. ADR/5 HD-40
F:CPF0
|
$39.45 Billion |
|
Bank of Communications Co. Ltd
F:C4C
|
$39.37 Billion |
|
IQVIA Holdings Inc
NYSE:IQV
|
$39.29 Billion |
|
Garmin Ltd
F:GEY
|
$39.27 Billion |
|
Goodman Group
AU:GMG
|
$39.25 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 increased equity by 4,858,000,000.
- Other factors decreased equity by 2,557,000,000.
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 | zł4.86 Billion | +8.3% |
| Other Changes | zł-2.56 Billion | -4.37% |
| 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: 2.45x
- 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 14.11x to 2.45x 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 | zł114.52 | x |
| 2006-12-31 | zł9.37 | zł114.52 | x |
| 2007-12-31 | zł11.08 | zł114.52 | x |
| 2008-12-31 | zł12.80 | zł114.52 | x |
| 2009-12-31 | zł18.21 | zł114.52 | x |
| 2010-12-31 | zł17.09 | zł114.52 | x |
| 2011-12-31 | zł18.26 | zł114.52 | x |
| 2012-12-31 | zł19.72 | zł114.52 | x |
| 2013-12-31 | zł20.12 | zł114.52 | x |
| 2014-12-31 | zł22.10 | zł114.52 | x |
| 2015-12-31 | zł24.23 | zł114.52 | x |
| 2016-12-31 | zł26.07 | zł114.52 | x |
| 2017-12-31 | zł29.01 | zł114.52 | x |
| 2018-12-31 | zł31.29 | zł114.52 | x |
| 2019-12-31 | zł33.27 | zł114.52 | x |
| 2020-12-31 | zł31.94 | zł114.52 | x |
| 2021-12-31 | zł30.17 | zł114.52 | x |
| 2022-12-31 | zł28.36 | zł114.52 | x |
| 2023-12-31 | zł36.19 | zł114.52 | x |
| 2024-12-31 | zł41.90 | zł114.52 | x |
| 2025-12-31 | zł46.81 | zł114.52 | 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: 33.52%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.96x
- Recent ROE (18.26%) is above the historical average (13.37%), 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% | 20.28% | 0.09x | 10.49x | zł861.70 Million |
| 2006 | 21.32% | 24.49% | 0.09x | 10.05x | zł1.14 Billion |
| 2007 | 24.36% | 29.54% | 0.09x | 9.11x | zł1.71 Billion |
| 2008 | 22.37% | 25.04% | 0.09x | 9.65x | zł1.73 Billion |
| 2009 | 11.29% | 17.63% | 0.08x | 7.66x | zł262.68 Million |
| 2010 | 15.06% | 22.44% | 0.08x | 7.94x | zł1.08 Billion |
| 2011 | 17.32% | 26.11% | 0.08x | 8.36x | zł1.67 Billion |
| 2012 | 15.17% | 21.99% | 0.09x | 7.75x | zł1.27 Billion |
| 2013 | 12.84% | 22.11% | 0.07x | 7.92x | zł714.51 Million |
| 2014 | 11.78% | 22.54% | 0.06x | 9.00x | zł491.57 Million |
| 2015 | 8.62% | 19.49% | 0.05x | 8.81x | zł-418.83 Million |
| 2016 | 8.82% | 20.37% | 0.05x | 8.76x | zł-384.48 Million |
| 2017 | 8.56% | 20.75% | 0.05x | 8.19x | zł-522.70 Million |
| 2018 | 9.57% | 23.73% | 0.05x | 8.29x | zł-170.10 Million |
| 2019 | 9.69% | 23.78% | 0.05x | 8.37x | zł-127.70 Million |
| 2020 | -6.40% | -15.95% | 0.04x | 9.44x | zł-6.55 Billion |
| 2021 | 12.93% | 30.89% | 0.04x | 11.09x | zł1.10 Billion |
| 2022 | 9.34% | 12.93% | 0.06x | 12.15x | zł-232.90 Million |
| 2023 | 12.16% | 14.82% | 0.07x | 11.09x | zł978.20 Million |
| 2024 | 17.76% | 23.95% | 0.07x | 10.03x | zł4.07 Billion |
| 2025 | 18.26% | 33.52% | 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: $7,963,684,222
- Average return on equity (ROE) among peers: 12.77%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Powszechna Kasa Oszczednosci Bank Polski SA (PKO) | zł59.87 Billion | 19.87% | 8.92x | $39.40 Billion |
| Bank Handlowy w Warszawie SA (BHW) | $5.60 Billion | 14.71% | 5.94x | $4.34 Billion |
| BNP Paribas Bank Polska S.A. (BNP) | $2.63 Billion | 4.80% | 11.71x | $6.90 Billion |
| Bank Ochrony Środowiska SA (BOS) | $919.95 Million | 2.92% | 12.14x | $266.44 Million |
| Erste Bank Polska S.A. (EBP) | $23.34 Billion | 9.48% | 5.54x | $21.82 Billion |
| Getin Holding SA (GTN) | $107.05 Million | 25.51% | 4.76x | $14.94 Million |
| ING Bank Śląski SA (ING) | $3.84 Billion | 16.58% | 12.54x | $16.25 Billion |
| mBank SA (MBK) | $16.68 Billion | 0.62% | 9.73x | $19.10 Billion |
| Bank Millennium S.A. (MIL) | $2.52 Billion | 18.32% | 11.12x | $7.66 Billion |
| Bank Polska Kasa Opieki SA (PEO) | $16.04 Billion | 22.00% | 7.23x | $18.96 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