Bank Pekao SA Company Information and Analysis

Bank Pekao SA is a Polish bank that has been around since 1929. It was founded by a group of Polish entrepreneurs.

The bank has undergone significant changes over the years, including a major restructuring in 2001 that transformed it into a joint-stock company. This change helped Pekao to expand its operations and increase its competitiveness.

Bank Pekao SA is listed on the Warsaw Stock Exchange, which provides it with a stable source of funding and allows it to attract new investors.

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Bank Pekao SA is a diversified commercial banking service provider that offers a wide range of services to its clients.

The bank's personal banking services include deposit services, insurance solutions, loans, money transfers, and debit, credit, and charge cards. It also offers private banking services, which include credit solutions, financing, and daily banking.

Bank Pekao operates through a network of branch offices, ATMs, and online portals to serve its clients, including retail, commercial, corporate, high net worth individuals, and wealthy family clients.

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Pekao became a member of the UniCredit company on 3 August 1999.

This significant event marked a new chapter in the company's history, shaping its future growth and development.

In 2016, Polish state-owned PZU and the Polish Development Fund acquired a 32.8% stake in Bank Pekao, Poland's second largest bank, for PLN 10.6 billion (EUR 2.6 billion).

The acquisition was a significant move, as Bank Pekao was previously owned by Italian bank UniCredit.

Poland's second largest bank, Bank Pekao, was sold to PZU and the Polish Development Fund for a substantial amount of money.

This deal highlights the significant investment and economic activity happening in Poland, particularly in the banking sector.

The acquisition of Bank Pekao was a major transaction, with a value of PLN 10.6 billion (EUR 2.6 billion).

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Pekao Group is a financial institution with a range of subsidiaries that operate in various areas of the industry.

Pekao Bank is the main subsidiary, but it's not the only one. Pekao Group also has several other subsidiaries, including Centralny Dom Maklerski Pekao SA, which is a stock exchange.

Centrum Bankowości Bezpośredniej Sp. z o.o. is a call center for the group, providing customer support to clients.

Pekao Leasing Sp. z o.o. is another subsidiary that offers leasing services, while Pekao Investment Banking SA provides investment banking services.

The group also has several other subsidiaries, including Pekao Leasing Holding SA, Pekao Faktoring Sp. z o.o., and Pekao Pioneer Powszechne Towarzystwo Emerytalne SA.

Here is a list of some of the group's main subsidiaries:

Pekao Bank Hipoteczny SA is a subsidiary that offers banking services, while Centrum Kart S.A is a separate company that operates in the financial sector.

Pekao Financial Services Sp. z o.o. provides financial services, and Pekao Fundusz Kapitałowy Sp. z o.o. is a fund that invests in various assets.

Bank Pekao offers a wide range of banking services to its customers. They have over 700 branches across Poland, making it convenient for customers to access their services.

You can manage your finances online with Bank Pekao's internet banking service, which is available 24/7. This allows you to check your account balances, pay bills, and transfer money at your own pace.

Bank Pekao also provides mobile banking services, allowing you to access your accounts and perform transactions on the go.

If you're making an international transfer to a Bank Pekao bank account, you'll need a BIC/SWIFT code.

Using traditional banks to send money abroad can be slow and expensive.

You'll also need to provide the bank address, which is required for international transfers.

Try using a service like Wise for fast, cheap, and secure international money transfers.

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Calculating an IBAN can be a straightforward process. The IBAN for Bank Pekao (Bank Polska Kasa Opieki) SA in Poland consists of 28 characters.

The IBAN is made up of several parts: a 2-letter country code, a 2-digit check number, 3 characters from the bank code, 4 digits for the bank branch code, 1 digit for the national code, and 16 digits for the bank account number.

To calculate an IBAN, you'll need to fill in the account details. The country code for Bank Pekao (Bank Polska Kasa Opieki) SA is PL.

The check digits are 61. The bank code is 109. The branch code is 0101. The national check digit is 4.

Here's a breakdown of the IBAN structure:

If you already have an IBAN code, you can refer to the example provided: PL61109010140000071219812874.

Improving competitive bidding in the banking industry is crucial for businesses looking to provide IT services to banks. This can be achieved by gaining insights into publicly disclosed IT services contracts.

Bank Pekao SA, a Polish bank, has publicly disclosed its IT services contracts, which can be a valuable resource for businesses. These contracts include IT outsourcing, business process outsourcing, systems integration, and consulting services.

To stay competitive, businesses need to have a deep understanding of the IT services contracts offered by banks like Bank Pekao SA. This knowledge can help them tailor their services to meet the specific needs of the bank.

Bank Pekao's account management system is designed to be user-friendly and efficient. You can manage your accounts online or through the mobile app.

To open a new account, you'll need to provide identification documents and proof of address. This is a standard requirement for all banks in Poland.

Once your account is open, you can easily switch between different accounts and view your transaction history online.

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Each Bank Pekao branch has a unique SWIFT code, which can be checked on a specific webpage.

Using the head office SWIFT code is an option if you can't find the branch code, but it's not the most precise way to ensure your payment reaches the right account.

Bank Pekao SWIFT codes don't change from branch to branch, but it's always a good idea to verify the code for your specific branch to avoid any issues.

If you're making an international transfer, using the correct SWIFT code is crucial to ensure your payment is processed smoothly and efficiently.

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You can find your SIBS number by checking your bank statement or logging into your online banking, just like you would for your Bank Pekao (Bank Polska Kasa Opieki) SA IBAN number.

Make sure you get it right the first time, as using the wrong SIBS number could result in your payment being returned or sent to the wrong account.

Don't forget that any SIBS or BBAN account numbers we use in this article are given as examples, and shouldn't be used to process a transfer.

Analysts' opinions can significantly impact a company's stock performance.

Bank Pekao, S.A. has received various upgrades and downgrades from notable analysts.

Erste Group upgraded Bank Pekao to Buy, trimming their price target in November 2022.

Citi also upgraded Bank Pekao to Buy, raising their price target in September 2009.

Santander Biuro Maklerskie upgraded Bank Pekao to Outperform, raising their price target in August 2009.

Goldman Sachs downgraded Bank Pekao to Neutral, trimming their price target in July 2018.

Here are the key analyst recommendations for Bank Pekao, S.A.:

Bank Pekao's financial information is quite impressive. The company's market capitalization has fluctuated over the years, ranging from 8.88 billion to 41.86 billion.

Here are the specific capitalization values for each year:

The company's free-float percentage is around 67.2%, indicating a significant amount of publicly traded shares.

Bank Pekao SA has been actively investing in technology to support its digital strategy. In 2025, the bank entered an agreement with the European Investment Fund to support sustainable growth for Polish small and medium-sized enterprises.

This move highlights the bank's commitment to innovation and sustainability. The partnership aims to provide financial support to Polish SMEs.

In 2024, Bank Pekao SA partnered with Tpay, a payment operator, to offer its customers convenient and secure payment options for online purchases at e-commerce stores. This move is likely to increase the bank's ICT spend in the area of digital payments.

The bank's focus on digital payments is evident in its new partnerships and agreements. In 2023, the bank introduced hyper-automation of business customer service.

Here's a summary of the bank's ICT spend and priorities:

Valuation is a crucial aspect of understanding a company's financial health.

The Enterprise value of Bank Pekao, S.A. fluctuates significantly, ranging from 977B to 1,679B.

A lower Enterprise value can be a sign of a company's financial struggles.

The P/E ratio for 2025 is 7.31x, indicating that investors are willing to pay a certain multiple of the company's earnings for its stock.

The P/E ratio for 2026 is 8.08x, a slight increase from the previous year.

In terms of valuation multiples, the EV/Sales ratio for 2025 is 2.77x, and for 2026 it's 2.83x.

The Free-Float of Bank Pekao, S.A. is 67.2%, which is a relatively high percentage of shares available for trading.

The Yield for 2025 is 7.4%, while the Yield for 2026 is a slightly higher 8.38%.

Bank Pekao has recently reported its earnings results for the full year ended December 31, 2024, with the bank beating profit expectations on higher-than-expected income.

The bank's financial results were announced on February 27, 2025, and were followed by an earnings call on the same day. This was part of a series of events, including the publication of earnings results for the fourth quarter and the third quarter, which were released on February 26 and November 6, 2024, respectively.

Bank Pekao has also had several upgrades from analysts, including a move to "Buy" from Erste Group and an upgrade to "Outperform" from Santander Biuro Maklerskie.

Here are some key dates related to Bank Pekao's earnings and financial results:

These dates highlight the importance of staying up-to-date with Bank Pekao's financial performance and analyst opinions.

The management team at Bank Pekao is led by Cezary Stypulkowski, who serves as the Chief Executive Officer (CEO) and has been in the role since October 4, 2024.

Blazej Szczecki is the Chief Operating Officer (COO) and has been in this position since January 14, 2021.

The Investor Relations Contact is Marcin Jablczynski, but unfortunately, we don't have information on when he took on this role.

As for the directors, Krzysztof Czeszejko-Sochacki and Jacek Niescior both serve as Board Members, with Czeszejko-Sochacki joining on April 16, 2024. Niescior is a bit older, at 59 years old, and also joined the Board on the same date.

Artur Olech is the Chairman of the Board and has been in this position since April 16, 2024.