PKO Bank Polski S.A. is a universal banking group and one of the largest financial institutions in Poland and Central and Eastern Europe, headquartered in Warsaw. Founded on February 7, 1919, as Pocztowa Kasa Oszczędności to promote national savings via the postal network, it has evolved into a comprehensive provider of financial services to individual and business clients, with a core focus on Polish retail banking. Its offerings span retail deposits, mortgage and consumer loans, corporate lending, asset and pension fund management, leasing, and insurance through a diverse capital group of wholly owned subsidiaries like PKO Towarzystwo Funduszy Inwestycyjnych S.A. and PKO Leasing S.A. Operating over 1,000 branches primarily in Poland, with international presence in Ukraine, Sweden, and beyond, it serves around 12 million customers and manages assets exceeding PLN 500 billion. PKO Bank Polski S.A. leads in retail deposits, mortgages, and digital innovation, highlighted by its award-winning IKO mobile app with millions of users and pioneering blockchain solutions, playing a pivotal role in Poland's financial market and economic development.