Poland · Financial institution
Bank Polska Kasa Opieki SA
Legal name in the LEI recordBANK POLSKA KASA OPIEKI - SPÓŁKA AKCYJNA
Bank Polska Kasa Opieki Spółka Akcyjna (Bank Pekao) is a Polish joint-stock company with its seat in Warsaw. It was founded in 1929 and has been listed on the Warsaw Stock Exchange since 1998. Powszechny Zakład Ubezpieczeń (PZU) holds 20% of the shares and Polski Fundusz Rozwoju holds 12.8%. It provides retail, private, SME, corporate and investment banking in Poland, and it describes itself as the second-largest universal bank in Poland.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Not on the ECB reserve list
- Listed as
- Bank Polska Kasa Opieki S.A.
- RIAD code
- PL00124
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Polish Financial Supervisory Authority (KNF) | 2007-10-10 | A1 A2 A3 A4 A5 A6 A7 B1 B3 B4 B5 B6 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- PKOPPLPWXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under PKOPPLPW directly.
- Swift GPI
- Live member
- Payment schemes and systems
- SCT · T2
- Branch codes
- 3 branch codes
- BIC first registered
- 1988-11-21
- Last updated
- 2023-10-05
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Publicly listed
Ticker PEO
Institution type
Universal bank
Trades as Bank Pekao S.A.
- Standing
- PZU and the bank signed a term sheet in June 2025 on a group reorganisation, under which Pekao would head a banking and insurance group. In December 2025 the target completion date was moved to 31 December 2027. Completion depends on legislative changes.
- Ownership
- PZU holds 20% and consolidates the bank for accounting purposes; Polski Fundusz Rozwoju holds 12.8% and the rest of the shares are listed on the Warsaw Stock Exchange.
- Direct parent
- Powszechny Zakład Ubezpieczeń Spółka Akcyjna, Poland 20%
- Major shareholders
- Powszechny Zakład Ubezpieczeń S.A. 20% · 28 May 2026
Polski Fundusz Rozwoju S.A. 12.8% · 28 May 2026
Nationale-Nederlanden Otwarty Fundusz Emerytalny 5.34% · 28 May 2026
Allianz Polska Otwarty Fundusz Emerytalny 5.31% · 28 May 2026
BlackRock, Inc. - Stock listing
- Warsaw Stock Exchange PEO
- Head office
- ul. Żubra 1, 01-066 Warszawa, Poland
- Company register
- KRS 0000014843, District Court for the Capital City of Warsaw, XIII Commercial Division of the National Court Register
Business lines
According to its press releases, every second corporation in Poland is a client of the bank, and the bank reports market positions in asset management, brokerage and private banking.
Online
- Websites & references
- pekao.com.pl ↗
media.pekao.com.pl ↗ press office
raport-pekao.pl ↗ integrated annual report site
Wikidata Q806642 ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 13 pages consulted
- pekao.com.pl/
- pekao.com.pl/en/about-bank/authorities.html
- pekao.com.pl/o-banku/wladze-banku.html
- pekao.com.pl/relacje-inwestorskie/raporty-i-sprawozdania/raporty.html
- pekao.com.pl/relacje-inwestorskie/raporty-i-sprawozdania/raporty/378ef10a-fd12-4336-aea6-15a4794e5fe9/
- pekao.com.pl/relacje-inwestorskie/raporty-i-sprawozdania/dane-finansowe.html
- pekao.com.pl/en/offer-for-international-clients.html
- media.pekao.com.pl/pr/874557/bank-pekao-publikuje-wyniki-za-i-polowe-2026-roku
- media.pekao.com.pl/pr/869017/zarzad-banku-pekao-zostal-powolany-na-nowa-kadencje
- uokik.gov.pl/en/mortgage-payment-holidays-the-president-of-uokik-imposed-a-fine-of-nearly-pln-119-mill
- rp.pl/banki/art43537281-pzu-i-bank-pekao-daja-sobie-wiecej-czasu-na-prace-nad-ewentualna-fuzja
- wnp.pl/rynki/przetasowania-w-drugim-najwiekszym-banku-w-polsce-do-rady-nadzorczej-dolaczaja-prez
- bank.pl/p-o-prezesa-zarzadu-pzu-o-przygotowaniach-do-realizacji-transakcji-polaczenia-z-bankiem-p
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Cezary Stypułkowski President of the Bank's Management Board
- Chair
- Bogdan Benczak Chairman of the Supervisory Board of Bank Pekao S.A.
- Chief financial officer
-
Dagmara Wojnar
CFO / Vice President of the Bank's Management Board, supervising the Finance Division
- Executive
-
Marcin Gadomski
CRO / Vice President of the Bank's Management Board, supervising the Risk Management Division
- Executive
- Robert Sochacki Vice President of the Bank's Management Board, supervising the Corporate Banking, Markets and Investment Banking Division
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Poland
- Polish Financial Supervision Authority (Komisja Nadzoru Finansowego) Prudential supervisorConductSecuritiesAML supervisor
- Poland
- National Bank of Poland (Narodowy Bank Polski) Central bankForeign exchange
- Poland
- Bank Guarantee Fund (Bankowy Fundusz Gwarancyjny) Resolution
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Leadership
The Supervisory Board reappointed Cezary Stypułkowski as President and appointed the Management Board for a new joint term.
media.pekao.com.pl ↗ -
Merger / acquisition
PZU and the bank amended their reorganisation term sheet and moved the target completion date to 31 December 2027.
rp.pl ↗ -
Enforcement
UOKiK fined the bank about PLN 117.8 million over its handling of mortgage payment holidays. The bank disputes the decision, which is not final.
uokik.gov.pl ↗ -
Leadership
Supervisory Board chairman Andrzej Klesyk and board member Radosław Niedzielski resigned with effect from 5 November 2025.
wnp.pl ↗ -
Merger / acquisition
PZU and the bank signed a memorandum and a term sheet on a reorganisation under which Pekao would head a banking and insurance group.
bank.pl ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- PKOPPLPWXXX
- How the BIC breaks down
- PKOPBank
- PLCountry · Poland
- PWLocation
- XXXBranch · head office
- Branch description
- HEAD OFFICE
- LEI
- 5493000LKS7B3UTF7H35
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- Numer rozliczeniowy 12400001 + 594 more
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Poland · Europe & Central Asia
- Trading venues (MIC)
- Operates MIC PKOP list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 1929
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
- Direct parent
- Powszechny Zakład Ubezpieczeń Spółka Akcyjna · PolandQLPCKOOKVX32FUELX240 ↗
The Powszechny Zakład Ubezpieczeń Spółka Akcyjna group has 7 institutions in the directory, in 1 country: all hold a BIC.
Including Alior Bank Spolka Akcyjna, Pekao Bank Hipoteczny SA, Pekao Investment Banking S.A. Akcyjna, Powszechny Zaklad Ubezpieczen NA Zycie Spolka Akcyjna, Powszechny Zaklad Ubezpieczen Spolka Akcyjna.
See the Powszechny Zakład Ubezpieczeń Spółka Akcyjna group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- ZUBRA 1 WARSZAWA 01-066 POLAND
- Operational address
- ZUBRA 1 WARSZAWA 01-066 WARSZAWA POLAND
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>PKOPPLPWXXX</BICFI>
<LEI>5493000LKS7B3UTF7H35</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>PKOPPLPWXXX</BICFI>
<LEI>5493000LKS7B3UTF7H35</LEI>
<Nm>BANK POLSKA KASA OPIEKI SA</Nm>
<PstlAdr>
<TwnNm>WARSZAWA</TwnNm>
<Ctry>PL</Ctry>
<AdrLine>ZUBRA 1 WARSZAWA 01-066</AdrLine>
</PstlAdr>
</FinInstnId>At least 10 national bank codes route to this BIC. The blocks add none, because the right one depends on the account.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2008-09-30 | Head office | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date.
An institution missing from T2 may still be reachable through an indirect participant.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
Market identifiers
One trading venue or reporting service run under this LEI list of 2026-09-17
| MIC | Market | Kind | Category |
|---|---|---|---|
| PKOP | BANK POLSKA KASA OPIEKI S.A.PEKAO | Operating MIC | Systematic internaliser |
National bank codes
Numer rozliczeniowy · Poland
Showing 10 of 595 codes file of 2026-10-09 · ISO 20022 clearing system code PLKNR
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 12400001 | PKOPPLPWXXX | Bank Polska Kasa Opieki Spółka Akcyjna | Warszawa |
| 12400102 | PKOPPLPW | Pekao Bank Hipoteczny Spółka Akcyjna | Warszawa |
| 12400115 | PKOPPLPWXXX | Bank Polska Kasa Opieki Spółka Akcyjna | Warszawa |
| 19500001 | PKOPPLPWXXX | Bank Polska Kasa Opieki Spółka Akcyjna | Warszawa |
| 19501024 | PKOPPLPWXXX | Bank Polska Kasa Opieki Spółka Akcyjna | Warszawa |
| 12400027 | PKOPPLPWXXX | Bank Polska Kasa Opieki Spółka Akcyjna | Warszawa |
| 12400030 | PKOPPLPWXXX | Bank Polska Kasa Opieki Spółka Akcyjna | Warszawa |
| 12400043 | PKOPPLPWXXX | Bank Polska Kasa Opieki Spółka Akcyjna | Warszawa |
| 12400069 | PKOPPLPWXXX | Bank Polska Kasa Opieki Spółka Akcyjna | Warszawa |
| 12400072 | PKOPPLPWXXX | Bank Polska Kasa Opieki Spółka Akcyjna | Szczecin |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Branches and correspondent banking
All 3 branch BICs connect to the head office. No city, function or registration year splits them into groups. 15 other banks publish 17 accounts held with this bank.
- Own offices
- Respondent banks: they hold accounts here
Hover over a branch, account or group to see its details
Respondent banks
From the correspondent lists other banks publish
15 other banks publish 17 accounts held with this bank.
| Currency | Respondent bank | Held at | Account | Purpose | Published in |
|---|---|---|---|---|---|
| PLN | Banca Transilvania S.A Romania | PKOPPLPW Listed as Bank PEKAO SA, Warsaw | MMB-143811-PLN-1203-01 | — | bancatransilvania.ro ↗ |
| PLN | Banque et Caisse D'epargne de L'etat, Luxembourg Luxembourg | PKOPPLPW | PL14 1240 0001 3126 2051 1112 0301 | Treasury and commercial payments | spuerkeess.lu ↗ dated 12 Jan 2026 |
| PLN | Cajamar Caja Rural, Sociedad Cooperativa de Credito Spain | PKOPPLPW Listed as BANK PEKAO S.A. | — | — | cajamar.es ↗ |
| PLN | Luminor Bank AS Estonia | PKOPPLPWXXX | — | Latvian branch (RIKOLV2X) direct correspondent | luminor.lv ↗ dated May 2026 |
| PLN | Mbh Bank Nyrt. Hungary | PKOPPLPW | — | commercial transactions | mbhbank.hu ↗ dated 19 Dec 2025 |
| PLN | Mbh Bank Nyrt. Hungary | PKOPPLPW | — | forex and money market | mbhbank.hu ↗ dated 19 Dec 2025 |
| PLN | Morgan Stanley Bank AG Germany | PKOPPLPWCUS | PL30124000013149448111120301 | Cleared derivatives cash settlement (MSESE clients) | morganstanley.com ↗ dated Oct 2025 |
| PLN | Morgan Stanley Europe SE Germany | PKOPPLPWCUS | PL30124000013149448111120301 | Cleared derivatives cash; beneficiary Morgan Stanley Bank AG (MSFFDEFXXXX) | morganstanley.com ↗ dated Oct 2025 |
| PLN | Piraeus Bank SA Greece | PKOPPLPW | — | commercial transactions | piraeusgroup.gr ↗ dated 1 Apr 2026 |
| PLN | Piraeus Bank SA Greece | PKOPPLPW | — | treasury transactions | piraeusgroup.gr ↗ dated 1 Apr 2026 |
| PLN | Postfinance AG Switzerland | PKOPPLPW | PL03 1240 0001 3131 7171 1112 0301 | — | postfinance.ch ↗ dated May 2025 |
| PLN | Tatra Bank Slovakia | PKOPPLPW | — | commercial transactions | tatrabanka.sk ↗ dated 1 May 2023 |
| PLN | The Bank of Nova Scotia Canada | PKOPPLPW Listed as Bank Pekao S.A., Warsaw | — | FX, money market and commercial payments | scotiabank.com ↗ dated 10 Jul 2007 |
| PLN | U.S. Bank National Association United States | PKOPPLPW Listed as Bank Pekao SA, Warsaw | PL82124000013145860111120301 | FX settlement | usbank.com ↗ |
| PLN | Unicredit Bank SA Romania | PKOPPLPW | — | — | unicredit.ro ↗ |
| PLN | Vseobecna Uverova Banka A.S Slovakia | PKOPPLPW | — | — | vub.cz ↗ |
| PLN | Wells Fargo Bank, N.A. United States | PKOPPLPW Listed as BankPekao | PL23124000013149640111120301 | FX settlement | www08.wellsfargomedia.com ↗ dated May 2024 |
Each row is an account the respondent bank lists as held with this bank, as published. Only banks that publish their correspondent accounts, and that Elucidate has researched, can appear, so the list is not complete. Confirm settlement instructions with either bank before relying on them.
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| PKOPPLPWCUS | CUSTODY | Warszawa | BANK PEKAO SA ZUBRA 1 WARSZAWA 01-066 WARSZAWA POLAND | — | 2023-12-02 |
| PKOPPLPWKRA | KRAKOW REGIONAL OFFICE | Krakow | JOSEPHA CONRADA STR 37 KRAKOW 31-357 KRAKOW POLAND | — | 2023-10-05 |
| PKOPPLPWSMK | BIURO MAKLERSKIE PEKAO | Warszawa | WOLOSKA 18 FLOOR V WARSZAWA 02-675 WARSZAWA POLAND | — | 2023-10-05 |
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants.
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- National bank codes—Poland (Source: Narodowy Bank Polski).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: Unknown author Unknown author · Public domain · Wikimedia Commons · original; Dagmara Wojnar: pekao.com.pl (official website) · original; Marcin Gadomski: pekao.com.pl (official website) · original.
Assess the financial crime risk behind a BIC
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