Top Banks in Poland

An overview of Poland's financial institutions

Top Banks in Poland

Banks in Poland account for about 70% of financial sector assets and play a significant role in the country’s financial system. Poland is home to several state-owned banks, though most banks in the country are privately owned, taking around 80% of the market. The Commission for Banking Supervision is responsible for supervising financial institutions and banks in Poland. It is an autonomous body under the Narodowy Bank Polski or the National Bank of Poland.


Banks in Poland


Moody’s Investors Service maintains a stable outlook for Poland’s banking system. The agency expects solid economic growth and increased employment and income levels that will create opportunities for banks in Poland.

For anyone considering a career in banking in Poland, this list of top banks in Poland is a helpful guide on where to start. To learn more, see our list of financial institutions.


The top banks in Poland are:



Founded in 1948, Powszechna Kasa Oszczędności Bank Polski Spółka Akcyjna, commonly called PKO Bank Polski or PKO BP, is the largest of the banks in Poland in terms of assets. It is also one of the leading financial groups in Central and Eastern Europe. The bank provides retail, commercial, and private banking services to individuals and businesses. With headquarters in central Warsaw, state-controlled PKO BP also maintains a presence in Ukraine, following its acquisition of banking institution KredoBank.

Revenue: PLN 10.92 billion (2017)

Net income: PLN 3.109 billion (2017)

Total assets: PLN 296.912 billion (2017)


Bank Pekao

Bank Polska Kasa Opieki Spółka Akcyjna, commonly called Bank Pekao, was established in 1929 in Warsaw by the Ministry of Treasury to provide financial services to Polish citizens who live overseas. In fact, in 1939, it operated branches in almost every capital city of countries where Poles resided. Italian bank UniCredit owned 59% of the bank but sold it in 2016. Bank Pekao is the second-largest of the banks in Poland in terms of assets.

Revenue: PLN 7.28 billion (2017)

Net income:  PLN 2.28 billion (2017)

Total assets: PLN 174.21 billion (2017)



Bank Zachodni WBK (BZ WBK) was formed in 2001 when Bank Zachodni S.A. merged with Wielkopolski Bank Kredytowy SA. It is the country’s third-largest bank in terms of assets. With 1,000 branches, it is also the third-largest of banks in Poland in terms of branch network, servicing 3.5 million customers. In 2013, BZ WBK merged with Kredyt Bank, making Bank Zachodni WBK Poland’s third-largest bank in terms of market share.

Revenue: PLN 3.79 billion (2017)

Net income: PLN 1.92 billion (2017)

Total assets: PLN 132.86 billion (2017)



Formed in 1986 and formerly called BRE Bank, mBank is the fourth largest universal banking group in Poland in terms of total assets and loans. It also ranks fifth in terms of deposits as of 2016. The group provides a wide range of banking and financial solutions including retail, corporate and investment banking, leasing, factoring, insurance, wealth management, corporate finance, and advisory services.

Revenue: PLN 4.454 billion (2017)

Net income: PLN 1.09 billion (2017)

Total assets: PLN 131.24 billion (2017)


ING Bank Śląski

Based in Katowice, ING Bank Śląski S.A. (ING BSK) was formed in 1988 after it separated from the National Bank of Poland. Dutch ING Group became the bank’s majority shareholder in 1996 but in 2001, Bank Śląski merged with ING Bank N.V. branch in Warsaw, changing its name to ING Bank Śląski.

Revenue: PLN 4.57 billion (2017)

Net income: PLN 1.348 billion (2017)

Total assets: PLN 122.11 billion (2017)


BGZ BNP Paribas

BGZ BNP Paribas was founded in 2015 and is a member of the international BNP Paribas banking group. The universal bank provides a comprehensive range of savings and investment products, loans and financial solutions to micro-businesses, SMEs, and corporations. It also offers services to companies in the food and agro-industries, focusing on providing funds for agriculture, food economy, and regional infrastructure.

Revenue: PLN 2.67 billion (2017)

Net income: PLN 279.71 million (2017)

Total assets: PLN 72.75 billion (2017)


Bank Millennium

Founded in 1990, Bank Millennium provides banking and financial services to over 1.6 million personal customers and 13,000 corporate customers. It oversees 360 branches and utilizes the latest technologies for online, phone and mobile banking. In 1989, Bank Millennium was established as Bank Inicjatyw Gospodarczych BIG SA. In 1997, it merged with Bank Gdański SA and launched the Millennium retail service network in the following year.

Revenue: PLN 2.49 billion (2017)

Net income: PLN 648.95 million (2017)

Total assets: PLN 70.64 billion (2017)


Getin Noble Bank

Getin Noble Bank is the sixth largest of the banks in Poland in terms of assets and 13th in terms of the number of branches. The Polish banking and financial services company offers retail and commercial financing, investment banking, asset management, and private banking services. It was established in 2010 in Warsaw when Getin Bank SA merged with Noble Bank SA.

Revenue: 347.8 million (H1 2017)

Net income (loss): (103.8 million) (H1 2017)

Total assets: PLN 64.46 billion (H1 2017)


Alior Bank

In 2008, Italian group Carlo Tassara formed Alior Bank, the tenth largest financial group in Poland. In 2012, it was listed on the Warsaw Stock Exchange and was valued at PLN 2.1 billion, the highest offering in the history of the country’s exchange. With headquarters in Warsaw, Alior Bank provides banking and financial services and is engaged in mergers and acquisitions. It acquired Meritum Bank in 2015 and Bank BPH in 2016.

In 2012, BAI Global Banking Innovation Awards recognized Alior Bank as the Most Innovative Bank, while Retail Banker International named it the Best European Retail Bank in 2015.

Revenue: 3.60 billion (2017)

Net income: PLN 515.62 million (2017)

Total assets: PLN 69.49 billion (2017)


Citi Handlowy

Polish bank Citi Handlowy or Bank Handlowy (BHW) was founded in 1870, making it one of the oldest banks in Poland and also in Europe. It is the tenth-largest bank in the country and ranks 18th in terms of the number of branches. Headquartered in the Jabłonowski Palace, Citi Handlowy is owned by Citigroup, hence the name. It was created in 2001 after the merger between Bank Handlowy and Citibank (Poland) SA.

Revenue: PLN 1.35 billion (2017)

Net income: PLN 537.1 million (2017)

Total assets: PLN 42.86 billion (2017)


Careers in investment banking

To break into investment banking, there are several important things to focus on. These include networking, resume, experience, and financial modeling skills. To learn more, explore our interactive career map…. investment banking careers For banking careers, you will have a significant edge over the competition with our financial modeling courses.


Additional resources

This has been CFI’s guide to the top banks in Poland. For anyone looking for a career in banking, this list is a great place to start your networking. Please also see these additional resources:

  • Top banks in Germany
  • Top 100 investment banks
  • Investment banking interview questions
  • Walk me through a DCF
  • Financial modeling guide

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