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 zł55.26 Billion PLN as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł554.57 Billion) and total liabilities (zł499.31 Billion). 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.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | zł55.26 Billion |
| % of Total Assets | 9.96% |
| Annual Growth Rate | 9.86% |
| 5-Year Change | 31.22% |
| 10-Year Change | 73.04% |
| Growth Volatility | 11.71 |
Powszechna Kasa Oszczednosci Bank Polski SA - Net Assets Trend (2005–2024)
This chart illustrates how Powszechna Kasa Oszczednosci Bank Polski SA's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Powszechna Kasa Oszczednosci Bank Polski SA (2005–2024)
The table below shows the annual net assets of Powszechna Kasa Oszczednosci Bank Polski SA from 2005 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | zł52.37 Billion | +15.79% |
| 2023-12-31 | zł45.23 Billion | +27.63% |
| 2022-12-31 | zł35.44 Billion | -5.99% |
| 2021-12-31 | zł37.69 Billion | -5.56% |
| 2020-12-31 | zł39.91 Billion | -4.01% |
| 2019-12-31 | zł41.58 Billion | +6.33% |
| 2018-12-31 | zł39.10 Billion | +7.85% |
| 2017-12-31 | zł36.26 Billion | +11.32% |
| 2016-12-31 | zł32.57 Billion | +7.61% |
| 2015-12-31 | zł30.26 Billion | +9.59% |
| 2014-12-31 | zł27.62 Billion | +9.78% |
| 2013-12-31 | zł25.15 Billion | +2.06% |
| 2012-12-31 | zł24.65 Billion | +7.99% |
| 2011-12-31 | zł22.82 Billion | +6.85% |
| 2010-12-31 | zł21.36 Billion | +4.52% |
| 2009-12-31 | zł20.44 Billion | +45.99% |
| 2008-12-31 | zł14.00 Billion | +16.85% |
| 2007-12-31 | zł11.98 Billion | +17.67% |
| 2006-12-31 | zł10.18 Billion | +16.02% |
| 2005-12-31 | zł8.77 Billion | -- |
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 994.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | zł20.63 Billion | 39.38% |
| Common Stock | zł1.25 Billion | 2.39% |
| Other Comprehensive Income | zł30.50 Billion | 58.23% |
| Total Equity | zł52.38 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 |
|---|---|
|
Baidu Inc
NASDAQ:BIDU
|
$35.09 Billion |
|
Shaanxi Coal Industry Co Ltd
SHG:601225
|
$35.18 Billion |
|
Beijing-Shanghai High Speed Railway Co Ltd
SHG:601816
|
$35.30 Billion |
|
OTP Bank Nyrt
BUD:OTP
|
$35.35 Billion |
|
Dollarama Inc
TO:DOL
|
$34.93 Billion |
|
Swisscom AG
SW:SCMN
|
$34.91 Billion |
|
Hanwha Aerospace Co Ltd
KO:012450
|
$34.87 Billion |
|
Arch Capital Group Ltd
NASDAQ:ACGL
|
$34.77 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 2023 to 2024, total equity changed from 45,238,000,000 to 52,381,000,000, a change of 7,143,000,000 (15.8%).
- Net income of 9,304,000,000 contributed positively to equity growth.
- Dividend payments of 4,837,000,000 reduced retained earnings.
- Other comprehensive income increased equity by 2,827,000,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | zł9.30 Billion | +17.76% |
| Dividends Paid | zł4.84 Billion | -9.23% |
| Other Comprehensive Income | zł2.83 Billion | +5.4% |
| Other Changes | zł-151.00 Million | -0.29% |
| Total Change | zł- | 15.79% |
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: 2.43x
- 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 12.56x to 2.43x 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 | zł102.00 | x |
| 2006-12-31 | zł9.37 | zł102.00 | x |
| 2007-12-31 | zł11.08 | zł102.00 | x |
| 2008-12-31 | zł12.80 | zł102.00 | x |
| 2009-12-31 | zł18.21 | zł102.00 | x |
| 2010-12-31 | zł17.09 | zł102.00 | x |
| 2011-12-31 | zł18.26 | zł102.00 | x |
| 2012-12-31 | zł19.72 | zł102.00 | x |
| 2013-12-31 | zł20.12 | zł102.00 | x |
| 2014-12-31 | zł22.10 | zł102.00 | x |
| 2015-12-31 | zł24.23 | zł102.00 | x |
| 2016-12-31 | zł26.07 | zł102.00 | x |
| 2017-12-31 | zł29.01 | zł102.00 | x |
| 2018-12-31 | zł31.29 | zł102.00 | x |
| 2019-12-31 | zł33.27 | zł102.00 | x |
| 2020-12-31 | zł31.94 | zł102.00 | x |
| 2021-12-31 | zł30.17 | zł102.00 | x |
| 2022-12-31 | zł28.36 | zł102.00 | x |
| 2023-12-31 | zł36.19 | zł102.00 | x |
| 2024-12-31 | zł41.90 | zł102.00 | 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): 17.76%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 34.03%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 10.03x
- Recent ROE (17.76%) is above the historical average (13.06%), 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 |
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: $6,322,850,111
- Average return on equity (ROE) among peers: 2.84%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Powszechna Kasa Oszczednosci Bank Polski SA (PKO) | zł55.26 Billion | 19.87% | 9.04x | $35.09 Billion |
| Bank Handlowy w Warszawie SA (BHW) | $7.07 Billion | 6.79% | 6.35x | $4.30 Billion |
| BNP Paribas Bank Polska S.A. (BNP) | $2.07 Billion | 13.15% | 8.68x | $6.55 Billion |
| Bank Ochrony Środowiska SA (BOS) | $1.78 Billion | -3.38% | 10.69x | $263.37 Million |
| Getin Holding SA (GTN) | $691.58 Million | -19.05% | 1.10x | $26.27 Million |
| ING Bank Śląski SA (ING) | $4.89 Billion | 12.18% | 11.25x | $16.69 Billion |
| mBank SA (MBK) | $12.72 Billion | -5.53% | 15.51x | $15.04 Billion |
| Bank Millennium S.A. (MIL) | $6.70 Billion | -19.89% | 14.52x | $6.44 Billion |
| Bank Polska Kasa Opieki SA (PEO) | $16.04 Billion | 22.00% | 7.23x | $18.34 Billion |
| Santander Bank Polska SA (SPL) | $4.95 Billion | 19.27% | 10.63x | $18.77 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, mortgage, and corporate loans. It also provides inv… Read more