The strategic partner of the 3Seas Local Government Congress is PKO Bank Polski



PKO Bank Polski is the largest commercial bank in Poland and the leader of the domestic market in terms of its scale of operations, among other things. The company serves 11.7 million customers. It is the primary provider of financial services to all customer segments, achieving the highest market shares in deposits and loans, among others. Thanks to the development of digital tools, including the IKO application, which is actively used by 7.3 million customers, PKO Bank Polski is the most mobile bank in Poland.


PKO Bank Polski is the undisputed leader of the Polish banking sector, playing an important role in the national economy. For years, the Bank has been supporting the development of Poland and Poles, accompanying them in their daily lives and understanding their needs. It is constantly looking for solutions that help realize the potential of our country. It supports domestic companies and local governments, and is the most prominent arranger of municipal bond issues, and participates in financing both current needs and strategic investments in new technologies, modernization of technological lines and energy-saving ventures, which affect the country's economic growth and the quality of social life. The bank offers broad access to funds and the services of advisors focused on selecting the optimal form of financing and repayment terms. PKO Bank Polski's offering is complemented by Group companies providing services such as leasing and factoring.

The PKO Bank Polski Group remains a leader in the Polish market in providing services to banking financial institutions. Thanks to its extensive and effective network of correspondent banking relationships, it ensures smooth operations in foreign markets, despite the challenges and strictures resulting from the war in Ukraine.

The Bank offers instruments to support foreign expansion, such as letters of credit and guarantees and collections to secure business transactions. Foreign corporate branches in the Federal Republic of Germany (Germany Branch), the Czech Republic (Czech Republic Branch), the Republic of Romania (Romania Branch) and the Slovak Republic (Slovakia Branch), as well as subsidiaries in Ukraine, Sweden and Ireland are also part of the support. The bank's Group is steadily increasing its portfolio of serviced corporate and financial foreign customers and expanding the range of available products.

For PKO Bank Polski Group, customers are always at the center, as reflected in the new Strategy for 2023-2025 announced in December 2022. Guided by their expectations, the Group will continue to strive to improve its offering and service by implementing solutions based on innovation, technology and sustainability. Among the key goals for the coming years is also to support the Polish economy in the green shift. The Bank wants to continue to be a business partner of Polish companies, helping them expand internationally and find forward-looking markets. One of the important goals is also to help rebuild Ukraine.

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