Data source: 2025-Q2 figures ingested from the EBA Transparency Exercise. European figures update as filings are published — semi-annually for EBA, per-results for 6-K — not via a real-time API like US banks (FDIC).

PKO Bank Polski

PKO

Poland · EuropeRegulated by KNFLatest: 2025-Q2

33LOW

CET1 Ratio

16.79%+0.89pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$64.2B

+1.80% QoQ growth

Total Loan Book

$156.6B

+3.3% YoY growth

Leverage Ratio

7.90%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q2

Comm. Real Estate16.0%

Consumer23.0%

SME / C&I32.0%

Other29.0%

Metric History

1 quarters · EBA Transparency Exercise

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q2latest	16.79%	7.90%	$64.2B	$156.6B	+3.3%	+1.80%	16.0%	23.0%	32.0%	33

AI Investment Memo

Llama will analyze PKO Bank Polski across 4 data dimensions and write a structured memo

Score: 33/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

33/100 —LOW

First-time candidate · scored on fundamentals (0–54 band)

Capital Pressure0/40

CET1 16.79% — well above management threshold

-4.79pp headroom above 8% regulatory floor

CET1 stable or improving (15.90% → 16.79%)

Leverage ratio 7.90% — adequate headroom

Loan Book Growth6/30

Loan book grew 3.3% YoY

RWA grew 1.8% QoQ

CRE: 16%, Lev.Loans: 0%, max(Consumer/SME): 32%

Historical SRT0/25

No prior SRT deals on record

Macro Context7/10

Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts

Mid-Size Bank

$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha

+10

Europe regional bonus+8

Macro environment · FAVORABLE+2

Sentiment +6/20 · global +2 pts

Overall SRT likelihood33/100