In the first half of 2025, PKO Leasing Group financed assets worth PLN 7.82 billion, achieving a growth rate of 9.7% year-on-year—outperforming the market by 4.1 percentage points. More than 50% of the sales volume came from the light vehicles segment (up to 3.5 tonnes). In two of its three main asset categories—light vehicles, heavy vehicles, and machinery & equipment—the company recorded stronger growth than the overall industry.
As part of its spring-announced strategy “Leasing Number 1. Period”, PKO Leasing Group aims to increase its market share to 16% by 2027. The company plans to achieve this through strategic projects such as expanding the Automarket.pl platform, developing captive partnerships, and strengthening cooperation within the PKO Bank Polski Capital Group.
Market-Beating Growth in the First Half of 2025
PKO Leasing posted above-market results in H1 2025, with PLN 7.82 billion in financing and a 9.7% improvement compared with the same period in 2024. This translated into a 13.8% market share, consolidating its strong position in the Polish leasing industry. According to data from the Polish Leasing Association (ZPL), the overall market financed assets worth PLN 56.7 billion during the first half of 2025, reflecting a growth rate of 5.6% year-on-year.
“Our results are not just numbers—they reflect growing customer trust and tangible support for business development. The dynamic growth of our operations means that an increasing share of investments in Poland are carried out with PKO Leasing’s involvement—directly driving SME transformation and accelerating the economy,” said Tomasz Bogus, CEO of PKO Leasing.
He added: “Unlike the rest of the market, which gained momentum mainly in Q2, we delivered steady growth in both quarters. Our stability comes from both scale and a well-thought-out strategy for 2025–2027. With confidence, we are pursuing our goal of a 16% market share within two years. We are growing across all key segments, and we expect this trend to continue.”
Growth Across All Key Segments
Vehicles accounted for the majority of financed assets in H1 2025 (70.9%), with light vehicles at 50.1%, heavy transport at 20.1%, and other vehicles at 0.7%. Machinery and equipment represented 23.1% of the portfolio.
Financing of light vehicles increased by 8.1% year-on-year (compared with 8.7% for the market). In the demanding heavy transport segment, the company grew by 3.8% year-on-year, significantly outperforming the market, which declined by 0.5%. Machinery and equipment financing rose by 3.5%, outpacing the market by 2.2 percentage points.
“In the second half of the year, we are moving forward not only with strong results in key categories but also with the execution of ambitious projects. We have already announced several large-scale initiatives, such as multi-million financing contracts for buses in Łódź and Kraków, as well as a partnership with ChargeEuropa to expand infrastructure financing for e-mobility. This is fully aligned with our strategy. We will also announce new captive partnerships in the coming months,” Bogus said.
The company is also developing financing solutions supporting e-mobility and renewable energy projects. With the share of low- and zero-emission transport steadily growing in Poland, PKO Leasing aims to strengthen its role by financing vehicles, public and private charging infrastructure, and renewable energy projects such as photovoltaic installations, heat pumps, and energy storage systems.
Strategic Projects in Motion
PKO Leasing Group has already launched 15 of the 21 strategic initiatives set for 2025–2027. The largest share of these projects focuses on the automotive market, which remains the backbone of the group’s portfolio.
One priority is expanding long-term rental services. Market potential in this segment is estimated at PLN 20–25 billion in new volume by 2030. Planned captive partnerships will also include financing in rental form, aligning with the trend of customers shifting from ownership to usage.
In parallel, the company is building a comprehensive mobility ecosystem to meet client needs in one place—from purchase and financing to service and resale. Automarket.pl remains a cornerstone of this approach.
Another strategic focus is technological transformation and embedded finance. PKO Leasing aims to fully digitize its processes—both customer-facing and internal—allowing faster adaptation to market shifts and integration with external sales platforms.
“We want technology to drive our strategy. A unified system will support both our internal network and external partners. A central CRM and flexible IT architecture will enable rapid deployment of new solutions and deliver intuitive, convenient experiences to clients. Digitization of sales and service is what ensures real, everyday value,” said Ryszard Słowiński, Vice President of PKO Leasing.
Backed by PKO Bank Polski Capital Group
PKO Leasing’s strategy is supported by the strength of the PKO Bank Polski Capital Group. Close integration with the bank provides access to millions of clients and banking sales channels—fueling further growth and strengthening PKO Leasing’s position as the market leader in Poland.
Source: CEO.com.pl
