PKO Bank Polski SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 895

SWOT Analysis of PKO Bank Polski with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

PKO Bank Polski

Parent Company

PKO Bank Polski SA


Regional Banks


Banking and Financial Services

Tagline/ Slogan

blisko ciebie


Largest and one of the most valuable brands in Poland



Segments the market based on type of customers: retail, corporate and investment segments

Target Group

Retail segment


Provide comprehensive banking services which satisfy both the credit needs and the deposit needs

SWOT Analysis


1. Biggest financial institution for corporate clients and small and medium enterprises in Poland
2. High client service standards and effective credit risk assessment procedures helps it to increase its loan portfolio
3. Due to its high credit rating, it was able to obtain significant funds from issues of bonds on the Polish market
4. Apart from banking activities, it also offers financial services relating to leasing, factoring, investment funds, pension funds, electronic payment services
5. Has a strong workforce of over 25000 people


1. Share of impaired loans has increased in comparison to the previous year
2. ROA and ROE decreased in comparison to the previous year
3. Decreasing commission income in the loan insurance segment


1. Upward trend prevalent in the investment fund and debt markets
2. The factoring market is growing at a faster pace than in 2011 due to the demand for factoring services

3. Situation in the banking sector is stable and positive


1. Stagnation is still observed in the lease market
2. Negative performance of Poland’s economy is forcing banks to develop more risk assessment models



1. Bank Pekao
2. Bank Zachodni WBK
3. Bre Bank Group


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