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. Also explore PKO total assets for the complete picture of this company's asset 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. Check Powszechna Kasa Oszczednosci Bank Polski tangible net worth ratio to evaluate the tangible quality of the company's equity base.
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 market cap and net worth.
| 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 |
|---|---|
|
ABB PAR AB B ADR/1/2/SK 1
F:ALZ
|
$37.49 Billion |
|
AENA SME UNSP.ADR/1/10
F:A440
|
$37.50 Billion |
|
Baidu Inc.
F:B1CB
|
$37.50 Billion |
|
TELSTRA GROUP LTD SP.ADR
F:5KB
|
$37.53 Billion |
|
Bayerische Motoren Werke Aktiengesellschaft
XETRA:BMW
|
$37.42 Billion |
|
Gold Fields Ltd ADR
NYSE:GFI
|
$37.40 Billion |
|
Advanced Micro Fabrication Inc
SHG:688012
|
$37.37 Billion |
|
Endesa SA
MC:ELE
|
$37.25 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 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: 2.33x
- 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 13.41x to 2.33x 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 | zł108.88 | x |
| 2006-12-31 | zł9.37 | zł108.88 | x |
| 2007-12-31 | zł11.08 | zł108.88 | x |
| 2008-12-31 | zł12.80 | zł108.88 | x |
| 2009-12-31 | zł18.21 | zł108.88 | x |
| 2010-12-31 | zł17.09 | zł108.88 | x |
| 2011-12-31 | zł18.26 | zł108.88 | x |
| 2012-12-31 | zł19.72 | zł108.88 | x |
| 2013-12-31 | zł20.12 | zł108.88 | x |
| 2014-12-31 | zł22.10 | zł108.88 | x |
| 2015-12-31 | zł24.23 | zł108.88 | x |
| 2016-12-31 | zł26.07 | zł108.88 | x |
| 2017-12-31 | zł29.01 | zł108.88 | x |
| 2018-12-31 | zł31.29 | zł108.88 | x |
| 2019-12-31 | zł33.27 | zł108.88 | x |
| 2020-12-31 | zł31.94 | zł108.88 | x |
| 2021-12-31 | zł30.17 | zł108.88 | x |
| 2022-12-31 | zł28.36 | zł108.88 | x |
| 2023-12-31 | zł36.19 | zł108.88 | x |
| 2024-12-31 | zł41.90 | zł108.88 | x |
| 2025-12-31 | zł46.81 | zł108.88 | 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: $6,806,804,903
- Average return on equity (ROE) among peers: 10.18%
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 | $37.46 Billion |
| Bank Handlowy w Warszawie SA (BHW) | $7.07 Billion | 6.79% | 6.35x | $4.45 Billion |
| BNP Paribas Bank Polska S.A. (BNP) | $12.03 Billion | 6.09% | 8.94x | $6.07 Billion |
| Bank Ochrony Środowiska SA (BOS) | $1.47 Billion | -3.48% | 13.25x | $251.87 Million |
| Erste Bank Polska S.A. (EBP) | $4.03 Billion | 18.83% | 7.19x | $18.91 Billion |
| Getin Holding SA (GTN) | $997.55 Million | 10.16% | 21.98x | $18.96 Million |
| ING Bank Śląski SA (ING) | $4.89 Billion | 12.18% | 11.25x | $16.12 Billion |
| mBank SA (MBK) | $17.77 Billion | 12.63% | 12.84x | $16.39 Billion |
| Bank Millennium S.A. (MIL) | $4.59 Billion | 10.17% | 10.08x | $6.83 Billion |
| Bank Polska Kasa Opieki SA (PEO) | $8.42 Billion | 18.26% | 6.36x | $17.06 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