About us

PKO Bank Hipoteczny specialises in mortgage loans for individual clients. Based on our strategic relationship with our parent, PKO Bank Polski, these loans are offered to retail clients through Poland’s largest network of branches, intermediaries and agencies.


The Management Board of PKO Bank Hipoteczny is composed of the President and at least two Vice-Presidents. The Supervisory Board consists of at least five board members.

Cover pool monitors

The office of trustee is intended to protect the material interests of the holders of covered bonds, with particular emphasis on ensuring the independence of the trustee and deputy trustee from the mortgage bank.

Articles of Association

PKO Bank Hipoteczny Spółka Akcyjna is a bank that conducts its activity on the basis of the Act of 29 August 1997 on Covered Bonds and Mortgage Banks, the Banking Law of 29 August 1997, the Commercial Companies Code and other generally applicable laws, the principles of good practice adopted for application by the Bank, and the Articles of Association.

Corporate Governance

PKO Bank Hipoteczny S.A. announces that the Management Board, the Supervisory Board and the General Meeting of Shareholders have passed resolutions on the adoption of the Polish Financial Supervision Authority’s


The news section of PKO Bank Hipoteczny.