On 7 February 1919, by the order of the Head of State Józef Piłsudski, the Postal Savings Bank was created.

In 1974, the PKO offer was enriched with a savings and settlement account for natural persons (commonly known as ROR).

From 1975 to 1987, the PKO branches operated within the structures of the National Bank of Poland, retaining their identity.

[19] In 2023, the bank's total assets surpassed half a trillion Polish zloty level for the first time in its history.

In addition to the parent, the group structure includes wholly owned and majority-owned subsidiaries and associates.

The subsidiary companies also complement the Bank's offer with such services as leasing, settlement of electronic card transactions, factoring and investment fund management.

[22] Companies in PKO Bank Polski Capital Group - Direct subsidiaries: