One of the highlights of 2004 for the Polish banking sector was the IPO of 38% of PKO Bank in November. This was the fifth time the government had tried to privatize the bank, and failure would have been a major embarrassment.
The bank is well positioned, with by far the biggest branch network and a commanding position in retail banking. However, it has been dogged with image problems, and is still occasionally perceived as a politicized, communist-era organization.
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