Na półmetku strategii umacniamy pozycję lidera | Wyniki finansowe po 1H 2026 — Transcript

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1. 0:04We are growing not only very quickly,
2. 0:07but comprehensively across all key
3. 0:09customer segments and business lines,
4. 0:11with 14%year-on-year growth and the
5. 0:13highest portfolio dynamics on the
6. 0:16market at 25%. Our share in financing
7. 0:24retail customers, the Polish economy is
8. 0:26unbreakable; one could say it is once
9. 0:28again proving its resilience to
10. 0:30negative external factors. We have
11. 0:35found ourselves in a positive feedback
12. 0:37loop between the economy and the
13. 0:38banking sector, and according to our
14. 0:40estimates, investment dynamics improved
15. 0:42in the second quarter of this year. We
16. 0:47anticipate that a clear upward trend in
17. 0:50lending across all major segments will
18. 0:52be maintained. The key is that we see a
19. 0:57huge recovery when it comes to the need
20. 0:59for investment credit. We are prepared
21. 1:04for this. We have the capital, the
22. 1:07know-how, and an increasingly
23. 1:09professional network of corporate
24. 1:11advisors. We also have corporate
25. 1:14branches abroad. In the second quarter,
26. 1:1840%of the new relationships we opened
27. 1:21were with customers under 26 years of
28. 1:23age. We provided customers with the
29. 1:29ability to purchase treasury bonds in
30. 1:31the mobile app, and just a short while
31. 1:33later, 15%of the volume is being
32. 1:35handled this way. Halfway through the
33. 1:39year, we have reached 150 modernized
34. 1:41branches since the beginning of our
35. 1:43strategy. We remain among the top three
36. 1:47banks characterized by the highest
37. 1:49quality in terms of NPS. It is yet
38. 1:54another quarter characterized by very
39. 1:57strong volume growth; after six months,
40. 2:00it is 5.3 billion zlotys. The ROE we
41. 2:05reported for the first half of the year
42. 2:08is 18.4%. That is above the strategic
43. 2:14level we set at 18-plus. Operating
44. 2:19costs increased year-on-year by only
45. 2:221.9%. Below the inflation rate.
46. 2:27We recorded the lowest level of risk
47. 2:29costs despite very dynamic lending
48. 2:31activity. This is the final year of
49. 2:35increased provisions for Swiss franc
50. 2:37loans. We continue to maintain a very
51. 2:41high level of court settlements.
52. 2:46The first half of the year is
53. 2:48undoubtedly a good base for looking at
54. 2:50the current year as a whole with
55. 2:52optimism, in the context of it being
56. 2:54the strongest year in PKO's history.
57. 2:58Yeah.