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Prezentacja Programu Powerpoint Wyniki finansowe Financial results2019 3Q& 9M 2020 PKO Bank PolskiZ xxxxxx duringzyskiemthe pandemicw nowe stulecie banku Key achievements in 3Q 2020 • Efficient operations during the pandemic with attention to all stakeholders • Solid net profit of PLN 712 mn, despite recognition of pandemic effects and higher cost of legal risk • Stable net operating profit led by cost savings and revenue resilience • Low cost of risk despite the negative impact from COVID-19 pandemic Strong capital and liquidity position, cost effectiveness and high quality of the loan portfolio will allow to face the challenges of more difficult economic conditions • V-shaped economic recovery in 3Q supported by the unlocking of the consumption demand and the restoration of the functioning of global supply chains • Effectiveness of protective measures for the labour market constrained the rise in unemployment. The registred unemployment rate in September stood only 0.6 p.p. above the pre-pandemic level • Economy stabilized by fiscal measures backed by the asset purchases by the National Bank of Poland 2 Key achievements 3 1/4 KEY ACHIEVEMENTS PKO Bank Polski supports stakeholders in the fight against the COVID-19 epidemic Business continuity and safety Client support Community We handed out about PLN 23.6 mn for We enabled employees to carry out We developed a fully remote account the fight against COVID-19 for among their duties in various work modes opening process: the selfie account others hospitals, healthcare facilities and (remote, office, rotational) sanitation We conduct targeted information campaigns We secured them continuous access to on functioning of the bank during PKO employees support the Chief Sanitary telemedicine appointments the pandemic Inspectorate’s hotline employees We provided the necessary personal We prepared a fast-track decision procedure We coordinate the creation of two temporary protective equipment for employees for extension or renewal of selected products hospitals in Poznań and Tarnów We shared the communication tools The National Cloud Operator on behalf of in Microsoft Teams with over the Centre for Health Information Systems 10 000 employees prepared solutions for medical video consultations for patients 4 KEY ACHIEVEMENTS Strategy 'PKO Banking Platform' – over 5 million IKO applications Number of active mobile Number of IKO applications Share in mobile transactions’ market (2) banking users (1) and number of transactions [%] 5.0 1.20 [mn] 6.0 [mn] 90.0 1.00 5.0 80.0 26.5 4.0 3.7 5.0 4.7 4.0 70.0 0.80 71.7 3.0 4.0 67.9 60.0 2.4 16.5 16.0 2.2 0.60 50.0 0.67 1.8 1.8 3.0 13.0 2.0 46.6 40.0 10.6 0.40 0.43 2.0 30.0 1.0 0.31 0.20 20.0 0.25 1.0 0.19 10.0 0.0 0.00 0.0 0.0 Bank A Bank B Bank C Bank D 3Q19 2Q20 3Q20 Bank A Bank B Bank C Bank E y/y growth Active mobile apps IKO Number of trans. 4.8/5 average customer rating in app stores PKO Bank Polski is an undisputed leader of mobile banking in Poland 5 (1) According to PRNews data for 2Q20, users who have logged in at least once a month from a mobile device (mobile application, lite version or full transactional service). (2) According to data from Cashless.pl: https://www.cashless.pl/8460-liczba-transakcji-mobilnych-2-kw-2020-r KEY ACHIEVEMENTS Strategy 'PKO Banking Platform' – revenue diversification through ecosystems of value-added services Car purchase platform launched and integrated with Significant growth in sales of insurance products iPKO service and mobile application IKO Compared to 2Q20: Over 3x increase in OnkoPlan insurance sales Over 2x increase in car insurance sales Scope of insurance cover broadened to include a COVID-19 clause Over 150 ths. car insurance 15 cooperation policies sold agreements with 67% of sales also Approx. 20k daily views Dealers, planning for include contracts for of the platform a twofold increase vehicle financing 6 by the end of year KEY ACHIEVEMENTS Strategy 'PKO Banking Platform' – bank adopts advanced technological solutions Artificial intelligence Robotization Soft collection (30k monthly debt collection cases with more effective Over 8x increase enforcement than in tasks performed by human) Support and sales 25 robots in the process Talk2IKO – over (sales leads, of selling a cash loan 82 robotic 300k conversations NPS surveys, automated Corona-bot) licenses with customers processes National Cloud Operator CPU consumption of IKO infrastructure 100% 80% Internal support for HR Videoconferencing 60% soft processes platform for SME 40% clients to connect with consultants, 20% Implemented deployed in 0% work tools in 2 weeks the cloud Data 2020-07-26 2020-08-07 2020-08-15 2020-08-19 2020-08-27 2020-08-31 2020-09-08 2020-09-12 2020-09-20 2020-09-24 2020-10-02 2020-10-14 2020-07-30 2020-08-03 2020-08-11 2020-08-23 2020-09-04 2020-09-16 2020-09-28 2020-10-06 2020-10-10 2020-10-18 11 000 virtual 27 000 users Migration of the new version of IKO 5.0 to the Cloud will ensure workstations, so-called in MS Teams savings in IT infrastructure costs 7 „Positions of the Future” KEY ACHIEVEMENTS Strategy 'PKO Banking Platform' – acceleration in 3 areas in response to pandemic Digital sales and support Diversification of Operational efficiency revenue streams 1 22 3 Sales network Robotization and 10k 59% - New car Increased automation led to consultants share of digital platform distribution of optimization - 115 reduction in employment cash loan integrated with standalone fewer branches since the working by over 1 200 FTEs remotely sales in 3Q20 IKO service insurance products beginning of the year since the beginning of 8 the year Business activity 9 2/4 BUSINESS ACTIVITY Dynamic growth of the scale of business operations Gross customer financing (1) Customer savings (2) [PLN bn] [PLN bn] +0.2% / -0.1% (3) +13.6% -0.6%/-0.7%(3) +0.8% 344.8 261.7 342.2 253.6 253.8 255.8 254.2 321.9 303.5 313.2 3Q19 4Q19 1Q20 2Q20 3Q20 3Q19 4Q19 1Q20 2Q20 3Q20 Gross customer financing (1) Customer savings (2) Mortgages in PLN 90% [PLN bn] 40% [PLN bn] 93.4 Corporate customer financing 258.3 70% 71.6 Individuals 50% 20% portfolio the in Share Share in the portfolio the in Share 30% SMEs 34.2 30.8 SMEs 24.2 47.4 Consumer loans 10% 39.1 Corporates Mortgages in FX -20% -10% 0% 10% 20% 30% 40% 50% Volume growth (y/y) -15% -10% -5% 0% 5% 10% Volume growth (y/y) 10 (1) Includes loans, corporate and municipal bonds (excluding PFR, BGK, EIB corporate bonds), leasing and factoring (but excludes repo transactions). (2) Includes deposits, TFI (mutual funds) assets and treasury savings bonds. (3) Net of FX effects: PLN -0.84 bn y/y and PLN -0.1 bn q/q. BUSINESS ACTIVITY Households: further growth of savings New feature in iPKO service for setting up an investment account online Deposits [PLN bn] +13.6% Customers of PKO Bank Polski can remotely sign an agreement with +0.8% the Brokerage House and receive access to the Supermakler service. 189.5 191.0 The new procedure for setting up an investment account is fully 183.2 remote. Signing a document with a qualified electronic signature 174.1 replaces the physical signature. 168.2 Customers of PKO Bank Polski allocated over PLN 1 billion to funds in PKO TFI thanks to Inwestomat 3Q19 4Q19 1Q20 2Q20 3Q20 Investment advice in the form of Inwestomat accessible in iPKO Mutual funds’ AuM (1) provides all customers with a tailored recommendation for the [PLN bn] purchase of investment funds (PLN 2.4 bn volume by the end of -8.4% October). +7.7% 32.2 32.1 35 29.5 30.75 30 26.6 27.4 25.75 Open banking 25 20.75 20 20.1 19.5 18.8 18.9 18.9 15.75 Customers of PKO Bank Polski can use IKO application and 15 10.75 iPKO service to access accounts at other banks (Pekao, 10 5.75 mBank, Santander, Alior Bank, T-Mobile Banking Services) in 5 0.75 accordance with the EU directive PSD2. 0 -4.25 3Q19 4Q19 1Q20 2Q20 3Q20 11 (1) Non-dedicated assets. BUSINESS ACTIVITY Households: recovery in loan sales Consumer and mortgage loans Increase in cash loan sales New sales Quarterly market share of PKO in the sale of cash loans increased [PLN bn] -25.3% to 18% from 11% in 2Q20. More than 59% of loans are sold via +71.1% remote channels. Funds are released within 30 seconds after the 8.7 acceptance of the cash loan’s terms and conditions. 6.5 4.5 Uptick in sales of mortgage loans 3.8 3.4 Consumer 1.5 In 3Q20, PKO Bank Polski maintained its maket share in mortgage PLN mortgage 4.2 2.3 3.1 sales at 22.5%, achieving a marked increase in quarterly sales of such loans. 3Q19 2Q20 3Q20 Volume outstanding [PLN bn] PKO deployed a durable medium 2.0 for private 30.5 30.3 30.8 documents The new solution enables a digital distribution of personalized documents to the bank’s customers using the blockchain 87.9 92.1 93.4 Consumer technology for card transactions. PLN mortgage FX mortgage 26.2 24.9 24.2 3Q19 2Q20 3Q20 12 BUSINESS ACTIVITY Small & medium enterprises: we support Polish companies in the fight against the pandemic effects Deposits +37.7% Loan repayment guarantees from BGK [PLN bn] +3.4% Bank’s customers (micro and SMEs) can take advantage 37.8 39.1 of a loan payment guarantee or a portfolio quarantee credit line de minimis from BGK.
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