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Bank Pekao SA (PEO:WSE) - Strategic SWOT and Financial Insights - A 360 Review of Opportunities, Challenges and Risk, Corporate and ESG Strategies, Competitive Intelligence, Financial and Operational KPI's, and Recent Trends
Company Report I 2025-12-24 I 94 Pages I Quaintel Research
Report Summary
Bank Pekao SA Strategic SWOT Analysis and Financial Insights - A 360 Review of Opportunities, Challenges and Risk, Corporate and ESG Strategies, Competitive Intelligence, and Recent Trends Report is a comprehensive and easily accessible overview of Bank Pekao SA's business operations. It provides a detailed analysis of the company's financial and strategic standing, as well as its position in the industry compared to competitors. The report includes several key features to facilitate decision-making and provide insights into the company's performance.
The report begins with in-depth information about Bank Pekao SA including key insights, business segments, key executives, locations, products and services, historical events, corporate strategy, and management discussions. This section provides a solid foundation for understanding the company's key attributes.
Next, the report assesses Bank Pekao SA's strategic standing through various analyses. The ESG spotlight evaluates the company's environmental, social, and governance performance, providing insights into its sustainability efforts and ethical practices. The SWOT analysis examines the company's internal strengths and weaknesses, as well as external opportunities and threats. Additionally, By integrating these strategic analyses, the report offers a comprehensive understanding of Bank Pekao SA's overall strategic standing and supports informed decision-making and strategic planning.
The report also covers Bank Pekao SA's financial analysis basis of latest income statement, balance sheet, and cash flow statement. Key financial ratios related to profitability, asset turnover, credit, market, and long-term solvency are outlined, providing guidance for investment decisions. Furthermore, the report compares Bank Pekao SA's financial parameters with those of its competitors, offering a unique analysis of the competitive landscape. This information helps manage the business environment and improve sales activities by gaining insight into competitors' operations.
Finally, the report includes recent news and deal activities undertaken by Bank Pekao SA enhancing awareness of the company's business trends, growth perspectives, and more.
Key Highlights
Bank Pekao S.A., founded in 1929, is one of Poland leading universal banks, headquartered in Warsaw. It has a strong national presence, serving individual, corporate, and institutional clients across a broad range of banking services, including retail, private, corporate, and investment banking, as well as asset management and brokerage. The bank operates a large network of branches and digital platforms, supporting millions of customers and reinforcing its role as a key player in Poland s financial sector.The operating segments of the Group are as follows. Retail banking covering banking activities for individual customers and micro companies. Private banking serving the most affluent individual clients. Corporate and Investment banking focused on large companies. Enterprise banking servicing small and medium-sized enterprises. Assets and Liabilities management and other which includes fund transfers, interbank market operations, debt securities, and other centrally managed activities.Bank Pekao continues to focus on digital banking expansion, strengthening its customer base, and supporting Polish corporate and SME financing. Its headquarters in Warsaw oversees strategic initiatives and collaborations to enhance the bank s market position.
Bank Pekao SA in the News:-
2025-08-14 - Bank Pekao launches an attractive promotion for children and parents for the new school year up to PLN 350 to start and 5 percent for savings
2025-08-05 - Bank Pekao supported Allegro in issuing 5 year bonds worth PLN 1 billion
2025-07-14 - Bank Pekao was among the financiers, and Pekao Investment Banking was the financial advisor to Baltic Towers.
2025-07-09 - Bank Pekao SA offers Visa Mobile a modern online payment method
2025-07-04 - Pekao Bank encourages you to use your superpowers while traveling with the Przekorzystne Account and a payment ring
Scope
- Tactical Analysis:- Various strategic frameworks to gain insights into a Bank Pekao SA's competitive position and operational environment. These analytical tools assist in identifying competitive advantages, potential risks, and areas for improvement and efficiency, enabling companies to make informed tactical decisions.
- Business Strategy:- Contributes to shaping the Bank Pekao SA's overall direction, goals, and decision-making processes, ensuring long-term success and alignment with stakeholder expectations.
- Financial Position:- Provide valuable information on the financial performance and investor sentiment surrounding the company. Indicating the level of confidence and expectations in the company's future prospects. These components collectively contribute to understanding the financial health and market perception of the company.
- Company Fundamentals:- These fundamentals offer valuable insights into the company's history, operations, leadership, and geographical presence, aiding in a comprehensive understanding of the organization.
- Competitive Landscape:- An identification of the Bank Pekao SA's main competitors, providing insights into the competitive landscape it operates in.
Reasons to Buy
- Comprehensive Understanding of the Bank Pekao SA's internal and external factors through SWOT analysis, Financial Analysis, and Competitors Benchmarking.
- Strive Strategic Decision Making with various analyses and identifying potential customers and suppliers.
- Mitigate Risk with help of thorough analysis of internal and external factors. Furthermore, develop strategies and contingency plans to address these challenges and minimize their impact on business operations.
- Competitive Benchmarking will help to gain a competitive advantage by understanding industry trends, customer preferences, and best practices.
- Financial Performance Evaluation provides crucial insights into key financial ratios and trends, supporting better financial decision-making and resource allocation.
- Valuable insights from the report enable investors and partners to make informed decisions regarding potential Collaborations, Investments, or Partnerships with the company.
Additionally, available deep-dive analysis on the company Bank Pekao SA:
- Bank Pekao SA PESTLE Analysis
- Bank Pekao SA Value Chain Analysis
- Bank Pekao SA Porter's Five Forces Analysis
- Bank Pekao SA VRIO Analysis
- Bank Pekao SA BCG Analysis
- Bank Pekao SA Segmentation, Targeting and Positioning (STP) Analysis
- Bank Pekao SA Ansoff Matrix Analysis
Table of Contents 2
Tables 6
Charts 7
Bank Pekao SA - Key Company Facts 8
Bank Pekao SA - Company Description 9
Bank Pekao SA - Top Executives 10
Bank Pekao SA- Head Office & Locations 11
Head Office - Country 11
Bank Pekao SA - Products and Services 12
Products 12
Services 13
Bank Pekao SA - Company's Mission and Vision 14
Mission 14
Bank Pekao SA - Corporate Strategy 15
Bank Pekao SA - Business Description 18
Bullet Retail Banking 18
Private Banking 19
Corporate and Investment Banking 19
Enterprise Banking 19
Assets and Liabilities Management and Other 20
Bank Pekao SA - ESG Spotlight 21
Environment 21
Social 22
Corporate Governance 22
Bank Pekao SA - SWOT Analysis 24
Overview 24
Strengths 26
Weaknesses 29
Opportunities 31
Threats 33
Bank Pekao SA - Financial Deep Dive 35
Share Price Trend - Dec-2024to Dec-2025 (Average Share Closing Price) 35
Profit and Loss Statement 37
Summary of Profit and Loss Statement 37
Balance Sheet 39
Summary of Balance Sheet 39
Cash Flow Statement 41
Summary of Cash Flow Statement 41
Key Financial Ratio Analysis 43
Bank Pekao SA - Ratio Charts 44
Activity Ratio Charts 44
Growth Ratios Charts 45
Leverage Ratio Charts 46
Liquidity Ratio Charts 47
Profitability Ratio Charts 48
Competing Players 49
Snapshot of Competing Players 50
PKO Bank Polski SA 50
Key Company Facts 50
Company Description 50
Snapshot of Competing Players 51
Alior Bank SA 51
Key Company Facts 51
Company Description 51
Snapshot of Competing Players 52
Bank Millennium SA 52
Key Company Facts 52
Company Description 52
Snapshot of Competing Players 53
mBank SA 53
Key Company Facts 53
Company Description 53
Snapshot of Competing Players 54
Santander Bank Polska SA 54
Key Company Facts 54
Company Description 54
Bank Pekao SA - In the News 55
14-Aug-2025 -Bank Pekao launches an attractive promotion for children and parents for the new school year up to PLN 350 to start and 5 percent for savings 55
05-Aug-2025 -Bank Pekao supported Allegro in issuing 5 year bonds worth PLN 1 billion 58
14-Jul-2025 -Bank Pekao was among the financiers, and Pekao Investment Banking was the financial advisor to Baltic Towers 59
09-Jul-2025 -Bank Pekao SA offers Visa Mobile a modern online payment method 59
04-Jul-2025 -Pekao Bank encourages you to use your superpowers while traveling with the Przekorzystne Account and a payment ring 61
13-Jun-2025 -A dozen reasons to use PeoPay on the app's 12th birthday 63
11-Jun-2025 -Bank Pekao Report Geopolitics on a Plate: The Food Industry in the New Economic Reality 67
09-Jun-2025 -Bank Pekao wins The Drum Awards for Marketing EMEA 69
05-Jun-2025 -Bank Pekao in the spotlight at the European Financial Congress 70
05-Jun-2025 -Bank Pekao issued Eurobonds worth EUR 500 million 73
02-Jun-2025 -Bank Pekao allows customers to deposit cash in the Euronet network 73
08-May-2025 -Bank Pekao SA organized a PLN 1 billion bond issue for the Zabka Group 75
Bank Pekao SA- Key Deals 76
16-Jul-2025 - Bank Pekao finances the Polskie Promy Capital Group 76
15-Jul-2025 - Level Up Sound Louder Bank Pekao SA is the official partner of the Bittersweet Festival in Poznan 77
03-Jul-2025 - Bank Pekao SA won the tender for servicing the Rzeszow budget 78
27-Jun-2025 - Nearly PLN 4 billion for super-fast internet. Bank Pekao among those financing Fiber Optic Investments 79
26-Jun-2025 - PZU and Bank Pekao take another step towards merging 79
25-Jun-2025 - Bank Pekao SA strengthens cooperation with LinkedIn 81
02-Jun-2025 - PZU and Bank Pekao will merge and create a new banking and insurance group 82
19-May-2025 - Bank Pekao SA finances investments in the institutional rental sector of the LifeSpot platform 84
08-May-2025 - Bank Pekao is a strategic partner of Corporate Connections 85
Appendix 86
Definitions 86
SWOT Analysis 86
PESTLE Analysis 86
Value Chain Analysis 86
ESG Spotlight 86
Financial Deep Dive 86
Financial Ratios - 87
Activity Ratios 87
Growth Ratios 88
Leverage Ratios 89
Liquidity Ratios 90
Market Ratios 91
Profitability Ratios 91
Research Methodology 92
Disclaimer 93
Contact Us 93
Table 1: Bank Pekao SA - Company Facts 8
Table 2: Bank Pekao SA - Digital Presence 8
Table 3: Bank Pekao SA - Top Executives 10
Table 4: Bank Pekao SA - Products 12
Table 5: Bank Pekao SA - Services 13
Table 6: Bank Pekao SA - Share Price Trend - Dec-2024 to Dec-2025 35
Table 7: Bank Pekao SA- Ratio Analysis - 2022-2024 43
Table 8: Bank Pekao SA -Competing Players 49
Table 9: Competing Players - PKO Bank Polski SA - Key Company Facts 50
Table 10: Competing Players - Alior Bank SA - Key Company Facts 51
Table 11: Competing Players - Bank Millennium SA - Key Company Facts 52
Table 12: Competing Players - mBank SA - Key Company Facts 53
Table 13: Competing Players - Santander Bank Polska SA - Key Company Facts 54
Figure 1: Bank Pekao SA- SWOT Analysis 25
Figure 2: Bank Pekao SA - Average Share Price Trend - Dec-2024 to Dec-2025 36
Figure 3: Bank Pekao SA - Profit and Loss Statement - 2022-2024 38
Figure 4: Bank Pekao SA - Balance Sheet - 2022-2024 40
Figure 5: Bank Pekao SA - Cash Flow Statement 2022-2024 42
Figure 6: Bank Pekao SA - Activity Ratio Charts 44
Figure 7: Bank Pekao SA - Growth Ratio Charts (Value %) 45
Figure 8: Bank Pekao SA - Leverage Ratio Charts 46
Figure 9: Bank Pekao SA - Liquidity Ratio Charts 47
Figure 10: Bank Pekao SA - Profitability Ratio Charts (Value %) 48
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