Bank Polska Kasa Opieki Balance Sheet Health
Financial Health criteria checks 4/6
Bank Polska Kasa Opieki has total assets of PLN338.2B and total equity of PLN33.2B. Total deposits are PLN263.9B, and total loans are PLN182.0B earning a Net Interest Margin of 4.2%. It has insufficient allowance for bad loans, which are currently at 4.3% of total loans. Cash and short-term investments are PLN28.1B.
Key information
10.2x
Asset to equity ratio
4.2%
Net interest margin
| Total deposits | zł263.87b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.3% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | zł28.13b |
Recent financial health updates
No updates
Recent updates
With EPS Growth And More, Bank Polska Kasa Opieki (WSE:PEO) Makes An Interesting Case
Nov 08
Bank Polska Kasa Opieki (WSE:PEO) Is Paying Out Less In Dividends Than Last Year
Mar 27
Energy Transformation Fuels Growth But Regulatory Hurdles And Margin Pressures Loom
Bank Polska Kasa Opieki's focus on energy transformation and digitization supports growth in corporate banking, improving revenue and net margins.Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PEO's Assets to Equity ratio (10.2x) is moderate.
Allowance for Bad Loans: PEO has a low allowance for bad loans (79%).
Low Risk Liabilities: 87% of PEO's liabilities are made up of primarily low risk sources of funding.
Loan Level: PEO has an appropriate level of Loans to Assets ratio (54%).
Low Risk Deposits: PEO's Loans to Deposits ratio (69%) is appropriate.
Level of Bad Loans: PEO has a high level of bad loans (4.3%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/11/14 11:33 |
| End of Day Share Price | 2025/11/14 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Bank Polska Kasa Opieki S.A. is covered by 27 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Krishnendra Dubey | Barclays |
| Cristina Marzea | Barclays |
| Andreas Markou | Berenberg |