The bank strengthened its leading market position in terms of current accounts, whose number reached 8.3 million at the end of 2020.

The bank implemented a fully remote current account opening process in the IKO application by using a „selfie” verification. As part of the open banking initiative, customers can also view their accounts in other banks.

Due to a heightened interest of investors in the stock exchange, the bank also made available remote opening of investment accounts on the iPKO website. In 2020, the number of brokerage accounts increased by 12.4% y/y.

Optimization of the sales network is a result of digitization of customer service and digital transformation strategy of the bank.

The bank has the largest network of branches in the country, which included 1 004 own branches and 492 agencies at the end of 2020. Digital transformation supports the transition of customers to remote channels and helps implement the objectives of the government project „From paper to digital Poland”.

The group provides financial services also outside Poland through branches in Germany and Czech Republic, and subsidiaries in Ukraine. In 2020, PKO Bank Polski created a new branch in Slovakia.

PKO Bank Polski is one of the best-rated employers in Poland, introducing a number of employee-targeted initiatives during the pandemic.

The bank’s activities focused on implementing various work models for employees, ensuring appropriate access to medical care and providing communication tools and equipment. In 2020, the bank’s expense for employee initiatives related to functioning during the pandemic amounted to PLN 75.7 mln.

The bank performed systematic pulse checks, collecting information from employees on their physical and mental wellbeing, remote work experience and areas that could require support.

In addition to taking charge of financial results, the bank attaches increasingly more importance to the way natural resources are used in relation to its operating activities.

In 2020, the group’s greenhouse gas emission intensity indicators significantly decreased as a result of the reduction of direct emissions by the group. Almost 11 kg of CO2 were emitted for each customer of the bank in 2019 versus less than 7.5 kg of CO2 currently.

Faster shift of customer relationships to the digital world was the cause of such decline in emissions. The fact that the bank obtained guarantees of origins of purchased electricity from low-emission sources, and completed a number of modernization projects were other contributing factors.

We initiate and implement social projects that integrate business goals with activities targeting all stakeholder groups.

In 2020, the charity activities of the PKO Bank Polski Foundation focused on fighting the coronavirus pandemic. Priority was given to projects related to public protection from the effects of the pandemic.

Out of 561 applications for financial donation related to social activities, 143 projects received a positive opinion. The foundation allocated over 40% of the budget to educational initiatives, and as part of its continued involvement in multi-year projects.

Three quarters of employees of PKO Bank Polski are women, and the average duration of their employment is 16 years. This is 5 years longer than for men.

In 2020, the number of women employed at the bank was 16.4 thousand, of whom 0.7 thousand in senior management roles. There are positions at the bank held almost entirely by women. They include sales and customer service roles.

The group cares for diversity of its employees at each level and position in accordance with the adopted policies that include the Code of Ethics, the diversity policy, the recruitment principles, and the principles for counteracting mobbing and discrimination.