Data source: Metrics for European banks are sourced from 2025 annual reports and ECB/EBA Pillar 3 disclosures. Figures are updated semi-annually as regulatory filings are published — not via real-time API like US banks (FDIC).
PKO Bank Polski
PKOCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+1.50% QoQ growth
Total Loan Book
+6.4% YoY growth
Leverage Ratio
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-Q4
Metric History
12 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025-Q4latest | 16.10% | 8.10% | $98.4B | $161.3B | +6.4% | +1.50% | 16.0% | 23.0% | 32.0% | 36 |
| 2025-Q3 | 15.90% | 8.00% | $96.9B | $159.0B | +4.9% | +1.70% | 16.0% | 23.0% | 32.0% | 34 |
| 2025-Q2 | 16.79% | 7.90% | $64.2B | $156.6B | +3.3% | +1.80% | 16.0% | 23.0% | 32.0% | 34 |
| 2025-Q1 | 15.40% | 7.70% | $93.6B | $154.1B | +1.6% | +1.90% | 16.0% | 23.0% | 32.0% | 34 |
| 2024-Q4 | 15.00% | 7.50% | $91.8B | $151.6B | +5.4% | +1.70% | 16.0% | 23.0% | 32.0% | 32 |
| 2024-Q3 | 15.20% | 7.60% | $90.3B | $149.6B | +5.4% | +1.60% | 16.0% | 23.0% | 31.0% | 32 |
| 2024-Q2 | 15.40% | 7.70% | $88.9B | $147.7B | +5.4% | +1.60% | 16.0% | 23.0% | 31.0% | 32 |
| 2024-Q1 | 15.60% | 7.80% | $87.5B | $145.8B | +5.2% | +1.50% | 16.0% | 22.0% | 31.0% | 32 |
| 2023-Q4 | 15.80% | 7.90% | $86.2B | $143.9B | +6.4% | +1.50% | 16.0% | 22.0% | 31.0% | 32 |
| 2023-Q3 | 16.00% | 8.00% | $84.9B | $142.0B | +6.2% | +1.40% | 16.0% | 22.0% | 30.0% | 31 |
| 2023-Q2 | 16.20% | 8.10% | $83.7B | $140.2B | +6.0% | +1.30% | 16.0% | 22.0% | 30.0% | 31 |
| 2023-Q1 | 16.40% | 8.20% | $82.6B | $138.4B | +5.8% | +0.60% | 16.0% | 22.0% | 30.0% | 29 |
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Score Breakdown
Live score · base 34 pts +2 macro adj
CET1 16.10% — well above management threshold
-4.10pp headroom above 8% regulatory floor
Leverage ratio 8.10% — adequate headroom
Loan book grew 6.4% YoY
RWA grew 1.5% QoQ
CRE: 16%, Lev.Loans: 0%, max(Consumer/SME): 32%
No prior SRT deals on record
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha
Sentiment +6/20 · global +2 pts