{"id":2314,"date":"2026-04-26T10:44:58","date_gmt":"2026-04-26T08:44:58","guid":{"rendered":"https:\/\/raportroczny2025.grupapsb.com.pl\/?page_id=2314"},"modified":"2026-05-07T12:53:41","modified_gmt":"2026-05-07T10:53:41","slug":"13-rozdzial-summary-report-2025","status":"publish","type":"page","link":"https:\/\/raportroczny2025.grupapsb.com.pl\/index.php\/13-rozdzial-summary-report-2025\/","title":{"rendered":"Summary Report 2025"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2314\" class=\"elementor elementor-2314\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5306432f e-flex e-con-boxed e-con e-parent\" data-id=\"5306432f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15b7c708 elementor-widget elementor-widget-heading\" data-id=\"15b7c708\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">SUMMARY OF THE 2025 ANNUAL REPORT<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2400153e elementor-widget elementor-widget-image\" data-id=\"2400153e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1640\" height=\"662\" src=\"https:\/\/raportroczny2025.grupapsb.com.pl\/wp-content\/uploads\/2026\/05\/top2.jpg\" class=\"attachment-full size-full wp-image-3516\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23639bd0 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"23639bd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Grupa PSB is a nationwide network made up of thousands of local stories,\nwhich come together every day to form a single, well-oiled machine.\nIt\u2019s ours because it comes from here\u2014from neighborhoods, small towns,\nfamily-run businesses, and construction sites we know by name.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67ce039e e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"67ce039e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56218dd2 elementor-widget elementor-widget-heading\" data-id=\"56218dd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Letter from the Management Board<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-284bcd83 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"284bcd83\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-325b008 elementor-widget elementor-widget-text-editor\" data-id=\"325b008\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Dear Shareholders, Partners, Employees and Friends of the Grupa PSB,<\/b><\/p><p><span style=\"font-weight: 400;\">We are pleased to present to you the Annual Report of the Grupa PSB Handel S.A. for 2025, summarising a period full of challenges, yet confirming the stability and maturity of our business model. We operated in an environment characterised by fluctuating conditions in the construction sector, cost pressures and significant variations in demand across market segments. Despite these conditions, the Grupa PSB consistently pursued its strategic objectives, strengthening its position as the leading distributor of building materials in Poland.<\/span><\/p><p><span style=\"font-weight: 400;\">In 2025, the value of the construction and installation market in Poland rose to approximately PLN 389 billion, whilst the building materials distribution sector, in which the Grupa PSB operates, reached a value of around PLN 70 billion. In this market environment, the Grupa PSB generated total revenue of approximately PLN 9.3 billion, with a market share of around 13%. As a federation of partner companies, it ranks first in the building materials distribution market in Poland. A particular distinction of the Grupa PSB is that it is the only organisation operating in both the traditional channel and the modern DIY retail channel. Additionally, during the period under review, there was an increase in the share of purchases made through the PSB Head Office, which contributed to the standardisation of the product range, improved purchasing efficiency and strengthened the negotiating position of the entire federation.<\/span><\/p><p><span style=\"font-weight: 400;\">The retail segment, represented by the PSB Mr\u00f3wka chain, generated revenue of PLN 4.4 billion in 2025, ranking 4th in the DIY retail market. At the same time, the traditional channel \u2013 building supplies yards and PSB Profi \u2013 achieved revenue of PLN 4.9 billion, maintaining its second-place market position in this segment. These results confirm the effectiveness of the diversification of the Grupa PSB\u2019s business model and the importance of synergies between sales channels.<\/span><\/p><p><span style=\"font-weight: 400;\">The year 2025 was also a period of intensive network expansion. The Grupa PSB comprised 412 Partners, who together operated 755 retail outlets across Poland. During this period, the network expanded by 42 new outlets, in both the modern and traditional channels, enabling a presence in approximately 90% of the country\u2019s districts. Such a wide reach effectively combines a nationwide scale of operations with the local character of partner companies, which constitutes one of the key values and distinguishing features of the PSB model.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">We placed great emphasis on further operational integration and digitalisation. We developed analytical tools, the Mr\u00f3wka Marketplace platform, the Moja Mr\u00f3wka mobile app, and solutions supporting product data management. An integral part of these activities was a coherent marketing strategy, based, among other things, on the \u201cPolskie Sklepy\u201d (Polish shops) campaign, which highlighted the Polish origin of the capital, the local roots of the Partners, and the nationwide reach of the network. Cooperation with the brand ambassador \u2013 Darek Stolarz \u2013 also played an important role in building the expert image of the Grupa PSB\u2019s brands; his authenticity and practical approach reinforced the credibility of the message and engaged customers across various communication channels. Another key element of the activities was the implementation of a PIM system, which streamlined product data management and data taxonomy.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The network\u2019s development was supported by a comprehensive system of training, consultancy and development services, aimed at professionalising management, enhancing team competencies and standardising operational procedures. A key element of these activities was the Mr\u00f3wka Manager Academy \u2013 a training programme designed to develop the competencies of store management staff. These development activities were complemented by the PSB Data+ Programme, which provides Partners with advanced analytical tools enabling them to make decisions based on current sales and stock data.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The past year brought an improvement in the Company\u2019s financial results. PSB\u2019s revenue rose to PLN 4.42 billion, and net profit reached PLN 54.9 million, representing an increase of over 18% compared to the previous year. Operating profitability, equity and financial liquidity have increased, whilst the debt ratio has fallen. This confirms the Company\u2019s financial stability and its ability to finance further growth.<\/span><\/p><p><span style=\"font-weight: 400;\">In 2025, the Company focused its investment policy on the development of digital solutions and infrastructure modernisation, allocating PLN 6.2 million for this purpose. In 2026, it plans to increase expenditure to PLN 12.2 million, investing primarily in technology, logistics, energy transition and selected operational assets, in line with the new strategy for 2026\u20132028.<\/span><\/p><p><span style=\"font-weight: 400;\">These results would not have been possible without the commitment of our Partners, Employees, Suppliers and Shareholders. We would like to thank the Grupa PSB\u2019s Partners for their entrepreneurship, consistency and loyalty, the Head Office staff for their professionalism and daily work towards the development of the network, and our Suppliers for their trust and long-term cooperation. We would also like to express our appreciation to our Shareholders for their steadfast support of the Grupa\u2019s strategy.<\/span><\/p><p><span style=\"font-weight: 400;\">The year 2025 marked the completion of the 2023\u20132025 strategy, under which we achieved over 90% of our targets. At the same time, we have prepared a new strategy for 2026\u20132028, focused on further digitalisation, network development, strengthening profitability and building sustainable value for all stakeholders. We are entering the next stage of development with the conviction that PSB\u2019s federated model, based on partnership, scale and modern solutions, remains the best response to market challenges.<\/span><\/p><p><span style=\"font-weight: 400;\">Yours faithfully,<\/span><\/p><p><span style=\"font-weight: 400;\">The Management Board of the Grupa PSB Handel S.A.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8a0fbc7 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"8a0fbc7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3fefc5b e-con-full e-flex e-con e-child\" data-id=\"3fefc5b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3578a06 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"3578a06\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-475d616 elementor-widget elementor-widget-image\" data-id=\"475d616\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"70\" height=\"67\" src=\"https:\/\/raportroczny2025.grupapsb.com.pl\/wp-content\/uploads\/2026\/05\/p1.jpg\" class=\"attachment-full size-full wp-image-2866\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05b828d elementor-widget elementor-widget-text-editor\" data-id=\"05b828d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Piotr Kozina<br \/><\/strong>Managing Director<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6617c4b e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6617c4b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe3e7d5 elementor-widget elementor-widget-image\" data-id=\"fe3e7d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"112\" height=\"67\" src=\"https:\/\/raportroczny2025.grupapsb.com.pl\/wp-content\/uploads\/2026\/05\/p2.jpg\" class=\"attachment-full size-full wp-image-2865\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab4115e elementor-widget elementor-widget-text-editor\" data-id=\"ab4115e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Anna Kaminska<\/strong><br \/>Member of the Management Board<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-950d69c e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"950d69c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58cfe89 elementor-widget elementor-widget-image\" data-id=\"58cfe89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"88\" height=\"67\" src=\"https:\/\/raportroczny2025.grupapsb.com.pl\/wp-content\/uploads\/2026\/05\/p3.jpg\" class=\"attachment-full size-full wp-image-2864\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72426a2 elementor-widget elementor-widget-text-editor\" data-id=\"72426a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Grzegorz Filipek<\/strong><br \/>Member of the Management Board<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bcb81cf e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"bcb81cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9d75d9 elementor-widget elementor-widget-text-editor\" data-id=\"c9d75d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The Grupa PSB Handel S.A. is Poland\u2019s largest purchasing group operating in the building materials and home and garden products sector. Its aim is to create the best commercial conditions for its business partners and to effectively strengthen their competitive position in the market. Operating as a \u201cFederation of Owners\u201d, Grupa PSB brings together independent entrepreneurs \u2013 the Company\u2019s Partners \u2013 enabling them to jointly negotiate more attractive terms with Suppliers and streamline purchasing and logistics processes.<\/span><\/p><p><span style=\"font-weight: 400;\">We present the Annual Report summarising the activities of the Grupa PSB Handel S.A. in 2025.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fcee8d2 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"fcee8d2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-082953e elementor-widget elementor-widget-heading\" data-id=\"082953e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">1. The Company\u2019s management, employees and shareholders of the Grupa PSB Handel S.A.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-224a53b e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"224a53b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98d36ad elementor-widget elementor-widget-text-editor\" data-id=\"98d36ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The Management Board of the Grupa PSB Handel S.A. is elected by the General Meeting of Shareholders. In accordance with the decision of the General Meeting of Shareholders in 2022, the Management Board consists of three members and is appointed for a three-year term. The Supervisory Board is the Company\u2019s permanent supervisory body. It comprises seven members elected by the General Meeting of Shareholders for a two-year term.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">In June 2025, following the expiry of the Supervisory Board\u2019s term of office, the General Meeting of Shareholders elected the members of the Supervisory Board for a new term. Following the election, the composition of the Supervisory Board is as follows: Sylwester Bogusz \u2013 Chairman, Roman Borucki \u2013 Vice-Chairman, members: Piotr Choszcz, Adam Monkiewicz, Bogdan Pazgan, \u0141ukasz Tunkiewicz and Dariusz \u017bu\u0142tak.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The Company\u2019s operational activities during the reporting period were managed by a three-member Management Board, comprising: Piotr Kozina \u2013 Managing Director, Anna Kaminska \u2013 Member of the Management Board, and Grzegorz Filipek \u2013 Member of the Management Board. The Company was further represented by two authorised signatories \u2013 Joanna Raczek and Krzysztof Rybak.<\/span><\/p><p><span style=\"font-weight: 400;\">As at 31 December 2025, the Company\u2019s share capital amounted to PLN 53,275,000 and was divided into 53,275,000 registered ordinary shares with a nominal value of PLN 1 each. All of the Company\u2019s shares are non-preference shares. Pursuant to \u00a7 10(5) of the Company\u2019s Articles of Association, no shareholder may hold more than 5% of the share capital.<\/span><\/p><p><span style=\"font-weight: 400;\">As at the balance sheet date, the Company\u2019s shares were held by 933 shareholders. The largest shareholder was Solbet Sp. z o.o., holding 4.26% of the share capital. The next largest holdings belonged to Solbet Kolbuszowa S.A., Solbet Lubart\u00f3w S.A. and Solbet Stalowa Wola S.A. \u2013 each holding 3.75% of the share capital \u2013 as well as SINIAT POLSKA Sp. z o.o. \u2013 2.30%, Etex Building Performance International SAS \u2013 1.32% and VOSTER Sp. z o.o. Sp.k. \u2013 1.13%. The total shareholding of these shareholders amounted to 20.26% of the Company\u2019s share capital.<\/span><\/p><p><span style=\"font-weight: 400;\">From an economic perspective, the shareholder structure consisted primarily of customers \u2013 trading companies holding 49.78% of the share capital \u2013 and suppliers \u2013 manufacturers holding 33.19% of the share capital. Employees held a 5.98% stake, whilst other shareholders held 11.05% of the share capital.<\/span><\/p><p><span style=\"font-weight: 400;\">In 2025, employment at the Company fell by 2.1% compared with comparable conditions in 2024. At the end of the year, the company employed 467 people (236 women and 231 men). Over half of the employees (52%) held a higher education qualification.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a869e6 e-flex e-con-boxed e-con e-parent\" data-id=\"5a869e6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4fb84b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"b4fb84b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">2. The construction market, economic conditions and the Grupa PSB\u2019s results in 2025<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef323bb e-flex e-con-boxed e-con e-parent\" data-id=\"ef323bb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d9c18d elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"5d9c18d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Economic conditions in the construction sector in 2025 were characterised by significant variation. On the one hand, increased lending in the mortgage segment supported demand for finishing materials and goods purchased by individual investors. On the other hand, activity in the area of new developer-led and large-scale construction investments remained volatile, which led to varying levels of demand across different product categories.<\/p><p>In 2025, the value of the construction and installation market in Poland reached approximately PLN 389 billion, up 3% on the previous year (according to PMR). At the same time, the building materials distribution sector, in which the Grupa PSB operates, reached a value of approximately PLN 70 billion, recording growth of 1\u20132% year-on-year (own calculations). The structure of distribution channels was as follows: DIY \u2013 46.8%, building supplies yards\u2013 38.6% and other channels \u2013 14.6%.<\/p><p>As a federation of partner companies, the Grupa PSB ranks first in the entire building materials distribution market in Poland, with revenue of approximately PLN 9.3 billion and a market share of around 13%. It is the only organisation with outlets in both the traditional and modern channels.<\/p><p>In the retail segment, the PSB Mr\u00f3wka chain\u2019s revenue amounted to PLN 4.4 billion, representing a 4.2% year-on-year increase and securing the chain 4th place in the retail market. This market segment is characterised by a high level of consolidation, as the top five largest players hold approximately 93% of the market share.<\/p><p>In contrast, within the traditional channel (building supplies yards and PSB Profi), revenue amounted to PLN 4.8 billion, enabling the chain to take second place in the market. Concentration is significantly lower in this segment, as the combined market share of the top five players stands at 50.2%.<\/p><p>By the end of 2025, the Grupa PSB comprised over 400 small and medium-sized family-run businesses from across Poland, operating a total of 755 outlets, including: 274 building supply yards, 81 PSB Profi outlets and 400 PSB Mr\u00f3wka stores. With a presence in around 90% of districts, the Grupa PSB reaches almost every resident of the country. According to a survey conducted in 2025, nearly 80% of respondents recognise at least one brand belonging to the Grupa PSB.<\/p><p>The Grupa\u2019s partners\u2019 revenue amounted to PLN 9.3 billion, representing a 1.9% increase compared to the previous year, taking into account the network\u2019s organic growth and, at the same time, a 1.2% increase on a like-for-like basis. A significant proportion of supplies \u2013 approximately 60% \u2013 is sourced by the Grupa PSB outlets through the PSB Head Office, whose revenue increased by 4.3%, reaching over PLN 4.4 billion. Each year, the percentage of purchases made by the Head Office rises, leading to standardisation of the product range across outlets.<\/p><p>The average Partner achieved revenue growth of +1.2% year-on-year on a comparable basis, i.e. excluding newly opened outlets, whilst taking network expansion into account, this growth amounted to approximately +1.9%. Broken down by PSB network formats: building supply yards and PSB Profi outlets recorded a combined revenue decline of -0.8% (including building supply yards at -2.3%, whilst Profi grew by +1.9%), whereas PSB Mr\u00f3wka stores achieved growth of +1.8% compared to the previous year, and with organic growth as high as +4.3%, which is a significantly better result than the market average.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e4f77f3 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"e4f77f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68a1d84 elementor-widget elementor-widget-heading\" data-id=\"68a1d84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">3. Growth strategy<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-93bb267 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"93bb267\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9236110 elementor-widget elementor-widget-text-editor\" data-id=\"9236110\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The 2025 financial year marked the conclusion of the strategic cycle implemented between 2023 and 2025, during which the Grupa PSB achieved over 90% of its defined operational targets and completed a total of over 230 strategic and organisational projects. A key element during this period was the close operational integration of the Head Office and entities within the PSB federation, aimed at risk diversification, supply chain optimisation and strengthening operational and financial resilience to market volatility. In parallel, in the second half of 2025, the Management Board developed the framework for a new strategy for 2026\u20132028, based on seven main strategic portfolios, which was approved by the Supervisory Board at the end of the financial year.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Activities carried out as part of the completed 2023\u20132025 cycle focused on five key operational and financial areas.<\/span><\/p><p><b>Digitalisation and system integration<\/b><\/p><p><span style=\"font-weight: 400;\">The Company consistently developed its IT architecture, ensuring a secure and efficient flow of data within the supply chain between the Head Office and the entities within the PSB federation. The Electronic Data Interchange (EDI) system was optimised, invoicing processes were automated, and the Extranet and ERP-class systems were modernised. The implementation of Business Intelligence analytical tools, including the Power BI environment, supported ongoing management reporting and data-driven decision-making processes. In parallel, the work environment was integrated based on Microsoft 365, with the implementation of supporting tools, including Copilot, and the launch of the Moja Mr\u00f3wka mobile app, the PSB Plus programme for contractors, and PSB Data Plus analytical tools for Partners. These measures have resulted in improved data quality, reduced administrative burdens and increased operational efficiency.<\/span><\/p><p><b>Commercial terms<\/b><\/p><p><span style=\"font-weight: 400;\">Activities in this area were aimed at safeguarding transactional profitability, improving purchasing efficiency and strengthening the negotiating position of the entities comprising the PSB federation. This was supported by the standardisation of the product range, including the implementation of a \u20183,000 SKU\u2019 structure for the retail network and the application of uniform negotiation standards. The sales policy encompassed the development of targeting, discount segmentation and the implementation of over 820 promotional campaigns. In parallel, the analytical and negotiation skills of category management staff were developed.<\/span><\/p><p><b>Marketing and communication<\/b><\/p><p><span style=\"font-weight: 400;\">Marketing and communication expenditure focused on stimulating demand in outlets and strengthening the position of brands operating within the PSB federation. The communication strategy included, amongst other things, the \u201cWSZYSTKO\u201d (EVERYTHING) campaign and the \u201cPolskie Sklepy\u201d (Polish shops) programme \u2013 emphasising the domestic origin of the capital and the chain\u2019s nationwide reach. Activities in the B2C segment were supported by a partnership with Dariusz Stolarz and the further development of the PSB Plus loyalty programme. The digitalisation of customer outreach channels was strengthened by the launch of the \u201cMoja Mr\u00f3wka\u201d mobile app in November 2025. As a result, brand recognition for PSB reached 80%.<\/span><\/p><p><b>Human resources and skills development<\/b><\/p><p><span style=\"font-weight: 400;\">In the area of human resources management, the priority remained improving work organisation and developing competencies that support operational efficiency. Employee onboarding procedures were standardised and a training system was developed in key areas such as sales, purchasing negotiations and category management. Operational risk management and selected decision-making processes were further supported by specialised bodies, including the New Suppliers Committee and the Receivables Committee.<\/span><\/p><p><b>Capital and finance<\/b><\/p><p><span style=\"font-weight: 400;\">From the perspective of the Company\u2019s stability, the finance function played a key role, focusing on maintaining financial liquidity and controlling operating costs (OPEX). The timely settlement of trade payables supported the security and continuity of the supply chain across the entire structure. In line with the adopted financial model, the Company maintained a net profit margin of between 0.6% and 1.3%, which ensured its ability to service debt and meet the terms of cooperation with financing institutions, whilst retaining the ability to pass on negotiated commercial benefits to business partners affiliated with the PSB federation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-05297f7 e-flex e-con-boxed e-con e-parent\" data-id=\"05297f7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2372f48 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"2372f48\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">4. Trade and product range structure of the Grupa PSB Handel S.A.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5dfbe0a e-flex e-con-boxed e-con e-parent\" data-id=\"5dfbe0a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9252c0 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"b9252c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The Company\u2019s logistics model is based on cost efficiency and ensuring security of supply. Approximately 90% of the volume of goods is delivered directly from suppliers to partners, whilst the remaining deliveries are made via central warehouses. This solution helps to reduce storage costs, increase operational efficiency and maintain supply continuity, which is particularly important for a retail network. This model provides key operational support for outlets operating as Centrum budowlane, PSB Profi and PSB Mr\u00f3wka stores.<\/span><\/p><p><span style=\"font-weight: 400;\">In 2025, the Company focused its efforts on safeguarding transactional profitability, improving the efficiency of procurement processes, and strengthening the negotiating position of the companies comprising the Grupa PSB. A key element of these efforts was the further development of the product category management system, which enabled the product range to be better aligned with changing market expectations.<\/span><\/p><p><span style=\"font-weight: 400;\">For many years, PSB\u2019s Head Office has offered a very wide range of building materials and home and garden supplies. The Company\u2019s catalogue features 490,000 items, supplied by 550 trusted and reputable manufacturers \u2013 recognised as leading players in their respective segments. Such a wide selection of products enables comprehensive supply to both professional contractors and individual customers seeking reliable, modern and durable solutions for their homes and gardens.<\/span><\/p><p><span style=\"font-weight: 400;\">In the year under review, there were slight changes in the share of product groups in the Company\u2019s total revenue. The top three remained unchanged \u2013 the three key categories maintained their positions. Construction chemicals remain the leader, accounting for 16.0% of revenue. The tools group came second (11.4%), and the garden and hobby group third (10.7%).<\/span><\/p><p><span style=\"font-weight: 400;\">The next three categories also retained their previous positions. The wall and chimney group took fourth place (9.0%), thermal insulation came in fifth (8.7%), and paints and varnishes achieved a 5.5% share.\u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Noteworthy is the rise of the lighting and electrical category, which moved up to 9th place, achieving a 3.1% share. A significant increase was recorded by the OSB boards and timber group, which gained in importance and rose by as many as 7 places, also achieving a 3.1% share.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Conversely, the tiles, bathrooms and kitchens group, which previously held 10th place, fell to 13th place, achieving a result of 3.1%. The roofs and gutters group also recorded a drop of 2 places, with a share of 2.2%. The remaining product groups did not record any significant changes in the Company\u2019s revenue structure.<\/span><\/p><p><span style=\"font-weight: 400;\">In 2025, 8.24% (i.e. PLN 351 million) of goods turnover with Partners took place via the Company\u2019s two Logistics Centres. Goods worth PLN 205 million were dispatched from the warehouses in We\u0142ecz, and goods worth over PLN 146 million from the facility in W\u0105brze\u017ano. The main recipients from the Logistics Centres are PSB Mr\u00f3wka and Mini-Mr\u00f3wka outlets, which account for over 85% of sales.<\/span><\/p><p><span style=\"font-weight: 400;\">We continued to sell private label products, available exclusively at PSB outlets. The range included over 700 product lines from 40 suppliers, and total sales reached PLN 82 million.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db4ddca e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"db4ddca\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94a055e elementor-widget elementor-widget-heading\" data-id=\"94a055e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">5. Marketing strategy<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e6fe84d e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"e6fe84d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f622ef elementor-widget elementor-widget-text-editor\" data-id=\"7f622ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The Grupa PSB\u2019s marketing strategy in 2025 focused on further strengthening a strong and unified brand and ensuring consistency of messaging across all communication and distribution channels. A key element of these activities was the consistent building of brand recognition for the Grupa\u2019s brands and the effective integration of nationwide communication with the local activities of Partners.<\/span><\/p><p><span style=\"font-weight: 400;\">In the area of communication, initiatives included the \u201cWSZYSTKO\u201d (Everything) campaign and efforts to strengthen the \u201cPolskie Sklepy\u201d (Polish shops) image, emphasising the Polish origin of the capital, the Partners\u2019 strong local roots and the network\u2019s nationwide reach. Activities aimed at individual customers (B2C) were further supported by a partnership with Dariusz Wardziak, known to the general public as \u201cDarek Stolarz\u201d. We launched the modern \u201cPSB Plus\u201d loyalty programme, aimed at contractors. A significant step towards the digitalisation of customer communications was the launch in November 2025 of the \u201cMoja Mr\u00f3wka\u201d mobile app, which strengthened modern outreach channels, increasing user engagement and the accessibility of the chain\u2019s offering.<\/span><\/p><p><span style=\"font-weight: 400;\">The ambassadorial partnership with Darek Stolarz played a significant role in building the expert image of the Grupa PSB\u2019s brands in the construction and interior design sectors. In 2025, the ambassador was involved in numerous communication projects, including wide-reaching formats broadcast on Polsat Group television channels, which enabled the brand to reach new audiences.<\/span><\/p><p><span style=\"font-weight: 400;\">At the same time, the process of standardising marketing communications across the entire network continued, providing Partners with access to professional, uniform marketing materials \u2013 both visually and in terms of content. These measures enabled more effective local promotional campaigns and the consistent building of a cohesive image for the Grupa PSB\u2019s brands.<\/span><\/p><p><span style=\"font-weight: 400;\">The year 2025 was also a period of intensive development of regional activities, carried out in cooperation with Partners and Suppliers, and coordinated and managed centrally by PSB Head Office. As part of these activities, extensive promotional campaigns were conducted on a national and local scale, utilising both traditional media and digital tools, which significantly increased the presence of the Grupa PSB\u2019s brands in the public sphere.<\/span><\/p><p><span style=\"font-weight: 400;\">The results of these activities confirmed high levels of brand recognition. In 2025, the PSB brand achieved a recognition rate of nearly 80%, whilst the Grupa PSB\u2019s brands recorded the following results: PSB Mr\u00f3wka \u2013 73%, Grupa PSB \u2013 60% and PSB Profi \u2013 44%.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-de2f0cb e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"de2f0cb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5013e5 elementor-widget elementor-widget-text-editor\" data-id=\"d5013e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Advertising and promotional campaigns<\/strong><br \/>In 2025, the Grupa PSB\u2019s advertising strategy focused on increasing the visibility of PSB\u2019s brands among customers. To effectively achieve this goal, the layout of the marketing agreement for Suppliers was refreshed once again, enriching it with clear descriptions of individual activities and examples of advertising campaigns.<\/p><p>The most important advertising channels for the Grupa PSB\u2019s brands were:<\/p><ul><li><strong>television<\/strong> \u2013 product and sponsorship adverts, as well as product campaigns supporting the PSB Mr\u00f3wka promotional leaflet, and the programme \u2018Darek Stolarz: Renovation in 3 Days\u2019 broadcast on Polsat and Polsat Cafe,<\/li><li><strong>radio<\/strong> \u2013 spot campaigns and radio sponsorship, campaigns on \u201cRadio Mr\u00f3wka\u201d,<\/li><li><strong>the \u201eDo\u0142\u0105cz do PSB\u201d (\u201cJoin PSB\u201d) self-promotional campaign,<\/strong><\/li><li><strong>promotional leaflets,<\/strong><\/li><li><strong>in-house publications<\/strong> \u2013 the bimonthly \u201cG\u0142os PSB\u201d (\u201cVoice of PSB\u201d), \u201cPuls PSB\u201d, \u201cInformator Statystyczny\u201d (\u201cStatistical Bulletin\u201d), and the Digital Operations Book (KOS),<\/li><li><strong>outdoor advertising,<\/strong><\/li><li><strong>Online<\/strong> \u2013 our own websites (<a href=\"https:\/\/mrowka.com.pl\/\">www.mrowka.com.pl<\/a> and <a href=\"https:\/\/www.grupapsb.com.pl\/\">www.grupapsb.com.pl<\/a>), Facebook, Instagram, TikTok, LinkedIn, YouTube, and Google Business Profiles.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ff5919 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"5ff5919\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b30a450 elementor-widget elementor-widget-text-editor\" data-id=\"b30a450\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Mr\u00f3wka Marketplace \u2013 convenient online shopping within the PSB network<br \/><\/b><span style=\"font-weight: 400;\">Online shopping is now the norm, and Marketplace Mr\u00f3wka is a modern platform that meets the real needs of today\u2019s customers. As the official sales platform of the PSB network, available at<\/span><span style=\"font-weight: 400;\"> www.mrowka.com.pl<\/span><span style=\"font-weight: 400;\">, it enables fast, convenient and secure online shopping \u2013 without leaving home.<\/span><\/p><p><span style=\"font-weight: 400;\">For customers, this means a wide selection of products, an offering tailored to their expectations, and flexible order fulfilment options. For local PSB Partners, Marketplace Mr\u00f3wka, in turn, represents a real opportunity to increase sales, reach new customers across Poland, and strengthen their position in the online market \u2013 without having to build their own e-shop from scratch.<\/span><\/p><p><span style=\"font-weight: 400;\">PSB partners can easily list their product range and sell it to online customers using a ready-made e-commerce infrastructure. By 2025, 200 PSB branches were already selling via the Mr\u00f3wka Marketplace, confirming the platform\u2019s effectiveness and growing popularity.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bbc8696 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"bbc8696\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-286a985 elementor-widget elementor-widget-text-editor\" data-id=\"286a985\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Moja Mr\u00f3wka app\u00a0<br \/><\/b><span style=\"font-weight: 400;\">The Grupa PSB is consistently developing digital solutions aimed at streamlining the purchasing process and enhancing customer convenience. One of the key tools supporting these efforts is the Moja Mr\u00f3wka mobile app, which provides quick and convenient access to current offers from PSB Mr\u00f3wka stores across Poland.<\/span><\/p><p><span style=\"font-weight: 400;\">The app was launched in November 2025 and enjoyed growing popularity among users. Around 60,000 customers used the solution, and during this period 26,000 transactions with a total value of over PLN 3.2 million were completed via the app. By the end of 2025, the app was available in 245 PSB Mr\u00f3wka stores, and its reach was being systematically expanded. By the end of December, the number of devices with the app active stood at nearly 23,000.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16b70f5 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"16b70f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9626411 elementor-widget elementor-widget-text-editor\" data-id=\"9626411\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>CBT \u2013 Central Product Database<br \/><\/b><span style=\"font-weight: 400;\">The Central Product Database (CBT) remains a key element of the Grupa PSB\u2019s marketing strategy, supporting the presentation of suppliers\u2019 offers on the<\/span><a href=\"http:\/\/www.grupapsb.com.pl\"><span style=\"font-weight: 400;\"> www.grupapsb.com.pl<\/span><\/a><span style=\"font-weight: 400;\"> and<\/span><a href=\"http:\/\/www.mrowka.com.pl\"><span style=\"font-weight: 400;\"> www.mrowka.com.pl<\/span><\/a><span style=\"font-weight: 400;\"> platforms. Thanks to a well-organised data structure, a developing taxonomy and the ongoing updating of information, the CBT provides customers with access to reliable product data, supporting the Grupa\u2019s purchasing process as well as its sales and marketing activities.<\/span><\/p><p><span style=\"font-weight: 400;\">In 2024, the implementation of the PIM (Product Information Management) system began, alongside the development of structures supporting product data management, including the establishment of the Catalogue and Pricing Department responsible for the development of product processes and data taxonomy.<\/span><\/p><p><span style=\"font-weight: 400;\">In 2025, these activities were expanded to include the development of a coherent ecosystem of tools supporting the flow of product data. In addition to the further development of the PIM system, work is underway on the Supplier Portal and the Partner Product Portal, which will ultimately create a unified collaborative environment for data exchange, documentation, logistics and product communication.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cd1091e e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"cd1091e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad94139 elementor-widget elementor-widget-text-editor\" data-id=\"ad94139\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Grupa PSB Ambassador \u2013 Dariusz Stolarz<br \/><\/b><span style=\"font-weight: 400;\">Last year, the Grupa PSB established a partnership with Dariusz Wardziak, better known as \u201cDarek Stolarz\u201d, who has served as the brand ambassador since February 2025. His involvement has covered a wide range of activities across many areas \u2013 from marketing communications and educational initiatives to image-building and social initiatives.<\/span><\/p><p><span style=\"font-weight: 400;\">This collaboration proved exceptionally fruitful and brought tangible benefits to the Grupa PSB. Joint projects significantly contributed to increasing brand recognition, strengthening its position as an industry expert, and building lasting relationships with customers and business partners.<\/span><\/p><p><span style=\"font-weight: 400;\">Another key element of the collaboration was participation in Grupa PSB events, during which Dariusz Stolarz actively engaged with customers and business partners. In 2025, he visited as many as 30 branches, which significantly contributed to directly strengthening relationships and increasing audience engagement.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">At the same time, educational projects were developed, including the video series \u201cDo It Yourself with Darek Stolarz\u201d, which has proved very popular with the audience and provides significant support in building the brand\u2019s expert image.<\/span><\/p><p><span style=\"font-weight: 400;\">Furthermore, last year saw the premiere of episodes of Darek Stolarz\u2019s original programme, \u201cDarek Stolarz: Renovation in 3 Days\u201d, on Polsat and Polsat Cafe. The production, for which the Grupa PSB was the main sponsor, made its debut on 1 October 2025 and has since attracted viewers\u2019 attention with practical advice, creative projects and a solid dose of renovation inspiration.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56e893c e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"56e893c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ae6627 elementor-widget elementor-widget-text-editor\" data-id=\"6ae6627\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Media coverage of PSB<br \/><\/b><span style=\"font-weight: 400;\">In 2025, the Grupa PSB recorded a record media presence for the second year running. Over the course of the year, a total of 45,900 publications dedicated to the PSB\u2019s brands appeared, representing an increase of 56% compared to 2024 and as much as 141% compared to 2023. This translates to an average of 126 news items per day appearing in national, trade and local media, as well as on social media.<\/span><\/p><p><span style=\"font-weight: 400;\">The thematic scope of the publications was very broad and included, amongst other things, the Grupa PSB\u2019s financial results, the market situation, price trends for building materials, the expansion of the PSB network, the implementation of strategic projects, the product range, corporate social responsibility initiatives, and expert commentary from Grupa PSB representatives. Thanks to such an intensive and substantive media presence, the Grupa PSB is strengthening its position as one of the most influential companies in the construction industry.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-96a576f e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"96a576f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-648b2f8 elementor-widget elementor-widget-text-editor\" data-id=\"648b2f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Grupa PSB trade fairs and conferences<br \/><\/b><span style=\"font-weight: 400;\">The Grupa PSB\u2019s trade fairs are one of the key elements of the cooperation platform between Suppliers and Partners affiliated with the Grupa PSB. These events enable the presentation of the current product range, the conduct of direct business discussions, and the conclusion of commercial agreements. Holding the trade fairs three times a year facilitates regular meetings between market participants, supporting the building of lasting business relationships and effective cooperation within the Grupa. This initiative makes a significant contribution to boosting trade and developing partnerships within the industry.<\/span><\/p><p><span style=\"font-weight: 400;\">The Grupa PSB\u2019s industry conferences are a key pillar of the organisation\u2019s development strategy. Their aim is to provide a space for the exchange of knowledge and experience, and for the presentation of current market trends and innovative solutions. These meetings also serve as a source of inspiration, supporting the development of participants\u2019 skills, motivating them to take on new challenges and implement modern and creative solutions in their day-to-day business activities.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>PSB Spring Fair<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">The 23rd edition of the Grupa PSB\u2019s Spring Fair took place on 4 and 5 March at the Kielce Exhibition Centre. In 2025, 300 exhibitors \u2013 the Grupa\u2019s contracted suppliers \u2013 awaited representatives from 390 PSB Partners. A total of 4,500 people sat down at the negotiating tables and concluded 17,000 contracts worth PLN 470 million, i.e. 9% more than the previous year. This means that the average exhibitor left Kielce with a portfolio of orders worth PLN 1.6 million, whilst the average Partner secured orders worth PLN 1.2 million.This is a clear signal that, despite difficulties in global markets, the construction sector remains one of the cornerstones of the national economy.<\/span><\/p><p><span style=\"font-weight: 400;\">The industry conference for the Grupa\u2019s Partners and Suppliers took place on the eve of the trade fair (3 March), attended by over 850 people. Members of the Management Board opened the meeting by presenting global trends, the economic situation worldwide and in Poland, as well as the Grupa PSB\u2019s results.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">One of the key highlights of the programme was the Partners and Suppliers debate, which demonstrated the many benefits of belonging to the PSB network \u2013 from stable commercial terms to logistical support and access to modern sales tools. The debate was moderated by the well-known journalist Jaros\u0142aw Ku\u017aniar.<\/span><\/p><p><span style=\"font-weight: 400;\">Also worth highlighting was the lecture by Nikolay Kirov \u2013 a trainer, consultant and inspirational speaker \u2013 who focused on the biochemistry of negotiation, emphasising the role of psychological and physiological mechanisms in effective business talks.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The conference also saw the introduction of the new Grupa PSB brand ambassador \u2013 Darek Stolarz, a well-known and respected expert in the construction and DIY sectors.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">During the banquet, the Management Board of Grupa PSB Handel S.A. presented awards to the chain\u2019s Partners and Suppliers in recognition of their cooperation in 2024. The evening was enlivened by a concert by the band IRA<\/span><b>.\u00a0<\/b><\/p><ul><li><b>Grupa PSB Autumn Fair<\/b><\/li><\/ul><p><b><\/b><span style=\"font-weight: 400;\">The 11th edition of the Grupa PSB Autumn Fair concluded with record-breaking results. The event attracted many PSB business Partners and Suppliers, becoming an effective platform for concluding transactions.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The fair, traditionally held online on 3\u20134 September 2025, brought together over 370 PSB Partners and 92 Suppliers. The two-day event resulted in the signing of 7,500 contracts with a total value of PLN 240 million.<\/span><\/p><ul><li><b>Grupa PSB Garden and Decorations Fair<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">On 18 November 2025, the 8th edition of the Grupa PSB Garden and Decorations Fair took place in Kielce \u2013 <\/span><span style=\"font-weight: 400;\">one of the most important industry events of the autumn season.<\/span><span style=\"font-weight: 400;\"> The event <\/span><span style=\"font-weight: 400;\">was attended by 272 Partners, 123 exhibitors and a total of 1,550 fair participants. Over 6,600 contracts signed, worth more than PLN 126 million, is the result of our partnership and mutual trust.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The Fair also provided an opportunity to launch the Digital Transformation Zone at the PSB Head Office stand. It enjoyed very high footfall throughout, and PSB partners were able to speak with experts on the implementation of key digital tools, including the Moja Mr\u00f3wka app and the PSB Plus loyalty programme. These initiatives represent a further step towards modern and fully omnichannel cooperation between the Grupa PSB and its partners.<\/span><\/p><p><span style=\"font-weight: 400;\">The day before the Fair, the Grupa PSB Conference was also held, during which two key issues were discussed: the challenges of succession in family businesses and the launch of the \u201cMoja Mr\u00f3wka\u201d mobile app, marking an important stage in the Grupa PSB\u2019s digitalisation process. The app attracted considerable interest from participants.<\/span><\/p><p><span style=\"font-weight: 400;\">The event was also accompanied by a gala banquet for 1,000 guests, underscoring the exceptional significance of the gathering for the entire PSB community. The evening was graced by a performance from Lanberry, creating an unforgettable atmosphere.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-172f199 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"172f199\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6958f18 elementor-widget elementor-widget-text-editor\" data-id=\"6958f18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Payback loyalty programme<br \/><\/b><span style=\"font-weight: 400;\">In 2025, over a million customers took advantage of the PAYBACK promotion in PSB Mr\u00f3wka stores, making purchases totalling PLN 460 million. These same customers redeemed accumulated points worth PLN 3.6 million to pay for their purchases.<\/span><\/p><p><span style=\"font-weight: 400;\">After 12 years of cooperation, there was a change to the way the PAYBACK programme operates within the PSB Mr\u00f3wka network. From 1st January 2026, the central agreement was terminated, and the decision to participate in the programme is now left to individual PSB Partners.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4903c4b e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"4903c4b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aed8716 elementor-widget elementor-widget-text-editor\" data-id=\"aed8716\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>PSB Marketing Shop<br \/><\/b><span style=\"font-weight: 400;\">The PSB Head Office marketing shop is a comprehensive support platform for PSB Partners, designed to support the development of sales outlets. Its range includes a wide selection of products, such as: corporate clothing, consumables, shopping bags, marketing merchandise and visual identity elements, which support a consistent brand image and enable effective differentiation in the market.<\/span><\/p><p><span style=\"font-weight: 400;\">In 2025, over 672 PSB Partners made use of the Marketing Shop\u2019s range, making purchases totalling PLN 5.8 million. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-108a6a0 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"108a6a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fa6c54 elementor-widget elementor-widget-text-editor\" data-id=\"6fa6c54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Awards and distinctions<br \/><\/b><span style=\"font-weight: 400;\">The year 2025 brought the Grupa PSB Handel S.A. numerous awards and distinctions, confirming the Company\u2019s strong market position and its consistently implemented development strategy. The awards received and high rankings in prestigious national and regional rankings are a testament to the Grupa\u2019s achievements in areas such as business growth, innovation, responsible management, product quality and social engagement. These successes are the result of many years of work by the Grupa PSB\u2019s teams and the network\u2019s Partners, as well as an effective response to changing market conditions.<\/span><\/p><p><span style=\"font-weight: 400;\">Among the numerous awards, the following are worth mentioning: \u201c15th Diamond to the Golden Statuette of the Polish Business Leader 2025\u201d, <\/span><span style=\"font-weight: 400;\">\u201cAmbassador of the Polish Economy\u201d, \u201cRetail Business Awards 2025\u201d, <\/span><span style=\"font-weight: 400;\">\u00a0\u201cBusiness Champion 2025\u201d, <\/span><span style=\"font-weight: 400;\">\u201cWell-Regarded Company\u201d, <\/span><span style=\"font-weight: 400;\">\u201cBlix Awards 2025\u201d, \u201cTradesman-Friendly Distributor 2025\u201d, \u201cPromoter of the 21st Century 2025\u201d, <\/span><i><span style=\"font-weight: 400;\">\u201cConstruction Company of the 20 Years of Poland in the EU\u201d<\/span><\/i><span style=\"font-weight: 400;\">, \u201cIndustry Personality of the 20 Years\u201d, <\/span><span style=\"font-weight: 400;\">\u201cRegional Leader 2025\u201d. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-318a6a3 e-flex e-con-boxed e-con e-parent\" data-id=\"318a6a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91faaf5 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"91faaf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">6. Corporate Social Responsibility<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17e9808 e-flex e-con-boxed e-con e-parent\" data-id=\"17e9808\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a80f750 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"a80f750\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">As a socially responsible entity, the Grupa PSB undertakes numerous initiatives in the field of corporate social responsibility. Its activities focus on supporting local communities, developing education, protecting the natural environment and promoting culture and the arts. The Company\u2019s commitment to CSR is a key element in building the organisation\u2019s sustainable development and strengthening relationships with stakeholders, confirming its role as a responsible market participant.<\/span><\/p><p><span style=\"font-weight: 400;\">The Grupa PSB, with strong ties to the \u015awi\u0119tokrzyskie region, has for years been involved in social, charitable and cultural activities, carried out at both local and national levels. By collaborating with non-governmental organisations, foundations and associations, the Company provides financial and in-kind support for numerous initiatives.<\/span><\/p><p><span style=\"font-weight: 400;\">This support is directed, amongst others, towards educational institutions, children\u2019s homes, hospitals and families facing difficult life circumstances. The Company also participates in selected health-promoting, social and cultural projects of local and regional scope, including acting as the general sponsor of the Krystyna Jamroz Classical Music Festival.<\/span><\/p><p><span style=\"font-weight: 400;\">The most important initiatives included:<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; nationwide <\/span><span style=\"font-weight: 400;\">educational campaigns: \u2018Safe Way to School\u2019 and \u2018Safe Home with Mr\u00f3wka\u2019,<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; Community engagement for children: a St Nicholas Day event at the Care and Education Facility in Winiary, the \u2018St Nicholas Courier\u2019 initiative, and at the \u015awi\u0119tokrzyskie Paediatric Centre \u2013 in the Department of Paediatric Oncology and Haematology in Kielce.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83cf16e e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"83cf16e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0b5973 elementor-widget elementor-widget-heading\" data-id=\"d0b5973\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">7. Development of the PSB network<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f296288 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"f296288\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8881445 elementor-widget elementor-widget-text-editor\" data-id=\"8881445\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The Grupa PSB is Poland\u2019s largest purchasing and sales organisation specialising in the distribution of building and renovation materials. Partners, independent business owners running outlets under the PSB Mr\u00f3wka, PSB Profi and Grupa PSB brands, benefit from centrally negotiated commercial terms, as well as extensive support in the areas of marketing, IT, logistics and payment security.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The network combines wholesale trade and investment services with a modern retail model, comprising PSB Mr\u00f3wka, PSB Mini-Mr\u00f3wka and PSB Mr\u00f3wka Express. The Grupa PSB Handel ranks second in the wholesale building materials market with a 13.5% share and fourth in the DIY segment, controlling 13% of the market.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The network of modern \u201cPSB Mr\u00f3wka\u201d stores expanded by 28 new outlets in 2025, reaching a total of 400 stores by the end of the year. These include 305 Mr\u00f3wka-format stores, 88 Mini-Mr\u00f3wka outlets and 7 Mr\u00f3wka Express stores. The chain\u2019s total revenue amounted to PLN 4.4 billion.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Meanwhile, the traditional channel (building supplies yards and PSB Profi) comprised 355 outlets, enabling the Grupa PSB to maintain a strong market position. The network consisted of 274 building supplies yards and 81 PSB Profi outlets, which together generated revenue exceeding PLN 4.9 billion.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In 2026, the Company plans to expand its operations by acquiring new business partners and further expanding its distribution network. This process will be supported by an analysis of areas with insufficient network coverage and an ongoing assessment of acquisition opportunities. These measures aim to increase the scale of operations and strengthen the PSB federation\u2019s market presence.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the retail segment, the development of the PSB Mr\u00f3wka network will continue, including formats adapted to local market conditions, such as PSB Mr\u00f3wka Express. In the B2B segment, the strategy envisages the further development of the PSB Profi format and the continuation of the transformation of traditional building supplies yards into standardised Centrum Budowlane (Construction Centres), tailored to the needs of contractors and professional customers, as well as PSB Express.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-adbb9aa e-flex e-con-boxed e-con e-parent\" data-id=\"adbb9aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9813302 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"9813302\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">8. Training, consultancy and development services<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec02129 e-flex e-con-boxed e-con e-parent\" data-id=\"ec02129\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64294cf elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"64294cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Training<br \/><\/b><span style=\"font-weight: 400;\">Within the Grupa PSB, the development of partners\u2019 competencies and the professionalisation of their operations constitute one of the key pillars for building the competitive advantage of the entire network. In 2025, these activities were carried out as part of the comprehensive Knowledge Transfer project (KTP), which integrates training, operational consultancy, the exchange of best practices and specialist support for PSB stores and building supplies yards.<\/span><\/p><p><span style=\"font-weight: 400;\">As part of the KTP, we deliver both training delivered using internal resources and educational programmes developed in collaboration with external experts. This synergy allows us to combine the Grupa PSB\u2019s up-to-date industry and operational knowledge with the experience of market practitioners, creating a unique, rich development ecosystem for the network\u2019s owners, managers and employees.<\/span><\/p><p><span style=\"font-weight: 400;\">The 2025 training programmes covered the full spectrum of areas necessary for running modern and effective retail outlets \u2014 from managerial, sales and marketing skills, through IT and e-commerce systems, to formal and legal aspects and digital security. Each of these elements supports Partners in adapting to a rapidly changing market and growing customer expectations.<\/span><\/p><p><span style=\"font-weight: 400;\">In 2025, the Mr\u00f3wka Manager Academy (Akademia Kierownika Mr\u00f3wki) 2025 was of particular importance \u2013 this is a key training programme aimed at building a competent, knowledgeable and effective management team for Mr\u00f3wka stores.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">AKM 2025 has created a strong community of managers who share knowledge, implement new solutions and actively develop store operating standards. This edition of the Academy significantly strengthened the managerial competencies of the Mr\u00f3wka chain and was one of the most important elements of PSB\u2019s training programme in 2025.<\/span><\/p><p><b>Consultancy services<br \/><\/b><span style=\"font-weight: 400;\">Consultancy services within the Grupa PSB are a key complement to training activities, as they enable the theoretical knowledge and tools acquired during training to be directly applied to the day-to-day operations of stores and building supplies yards. Consultancy enables Partners to implement PSB standards, processes and practices in a practical, individualised manner tailored to the needs of a specific unit.<\/span><\/p><p><span style=\"font-weight: 400;\">The role of consultancy primarily involves operational, implementation and development support, which is provided directly by Grupa PSB experts \u2014 the Development Department, Regional Managers, Head Office Managers and employees of Mr\u00f3wka stores managed by the Head Office. Thanks to their experience, stores receive practical assistance in optimising operations, modernising sales layouts, analysing processes and implementing modern IT tools.<\/span><\/p><p><span style=\"font-weight: 400;\">The scope of PSB\u2019s consultancy is broad and includes, amongst other things:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PSB standards, including the implementation of guidelines from <\/span><i><span style=\"font-weight: 400;\">the Visual Identity Manual<\/span><\/i><span style=\"font-weight: 400;\">, signage and visual consistency across all store formats (Mr\u00f3wka, Mini-Mr\u00f3wka, Mr\u00f3wka Express, Profi, PSB Building supplies yards);<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">layout and Category Management, i.e. planning a logical and ergonomic shop layout, optimising retail space and improving the customer journey;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">operational processes, such as team organisation, inventory management and stock turnover, implementation of procedures, performance analysis and improvement of service quality;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IT and systems, including support for the implementation and operation of software such as iHurt, Insignum and other digital tools of the Grupa PSB;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">marketing and e-commerce, i.e. activities related to local promotion, presence on PSB portals, managing the Mr\u00f3wka Marketplace and online sales.<\/span><\/li><\/ul><p><b>Data + Programme<br \/><\/b><span style=\"font-weight: 400;\">The \u201cPSB DATA +\u201d programme \u2013 a modern, intuitive and practical tool for internal analysis that supports Partners in their day-to-day work and enables them to make more informed decisions based on up-to-date and reliable data.<\/span><\/p><p><span style=\"font-weight: 400;\">Thanks to PSB DATA +, Partners are provided with: full control over stock levels, real-time insight into sales at every branch, and constant access to data, both on computers and mobile devices.<\/span><\/p><p><span style=\"font-weight: 400;\">PSB DATA + offers a range of advanced features that significantly streamline data analysis and support business decision-making.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58a17e1 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"58a17e1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f82d98 elementor-widget elementor-widget-heading\" data-id=\"3f82d98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">9. SERVICES<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fd62ad e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"2fd62ad\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9355ab elementor-widget elementor-widget-text-editor\" data-id=\"d9355ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Cooperation within the Grupa PSB allows Partners to benefit from economies of scale, which translates into tangible savings and streamlined operational processes.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">As the largest network of wholesale and DIY stores in Poland, the Grupa PSB negotiates joint purchasing and logistics terms, ensuring more favourable prices for materials, services and the infrastructure necessary to run a business. Partners can take advantage of attractive offers on mobile phones, fuel, cars and payment terminals, which translates into real business benefits. We also work with courier, advertising and technology service providers, ensuring comprehensive support for companies within the Grupa.<\/span><\/p><p><span style=\"font-weight: 400;\">Economies of scale strengthen the competitiveness of the entire network, enabling the implementation of solutions usually available only to large organisations.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-162ff3b e-flex e-con-boxed e-con e-parent\" data-id=\"162ff3b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0da0fb6 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0da0fb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">10. Investments and plans for 2026<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c44dc40 e-flex e-con-boxed e-con e-parent\" data-id=\"c44dc40\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-991c2b1 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"991c2b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In 2025, the Company\u2019s investment policy focused on the development of digital solutions, infrastructure modernisation and the safeguarding of key tangible assets, with PLN 6.2 million allocated for this purpose.<\/span><\/p><p><span style=\"font-weight: 400;\">The largest portion of expenditure \u2013 PLN 2.2 million \u2013 was on intangible assets, which were used for the development of IT systems, including the marketplace platform and analytical tools. A key element of these activities was the implementation of a product information management (PIM) system and the development of dedicated mobile applications.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">In the area of tangible fixed assets, net expenditure of PLN 2.6 million was incurred. These investments included the modernisation of the Company\u2019s Head Office facilities and technical infrastructure, as well as projects related to sustainable development (ESG), supporting energy and operational efficiency.<\/span><\/p><p><span style=\"font-weight: 400;\">During the reporting period, the Company acquired land with a total area of 1.1 ha, intended to secure opportunities for further infrastructure and logistics development.<\/span><\/p><p><span style=\"font-weight: 400;\">The investment programme was supplemented by replacement expenditure on the commercial vehicle fleet, the total net value of which amounted to PLN 0.5 million.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">In 2026, the Grupa PSB Handel S.A. plans to allocate PLN 12.2 million to investment and refurbishment expenditure. The planned expenditure forms part of the implementation of the Company\u2019s development strategy for 2026\u20132028 and primarily covers investments in technology, logistics, energy transition and the modernisation of selected operational assets.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60f692f e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"60f692f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5999a75 elementor-widget elementor-widget-heading\" data-id=\"5999a75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">11. Financial results of the Grupa PSB Handel S.A.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7984908 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"7984908\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55e1309 elementor-widget elementor-widget-text-editor\" data-id=\"55e1309\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The Grupa PSB Handel S.A. ended the 2025 financial year with an improvement in key financial indicators. Net revenue from the sale of products, goods and materials amounted to PLN 4.42 billion, compared to PLN 4.23 billion in 2024, representing a year-on-year increase of 4.4%. This growth was achieved in a challenging macroeconomic environment and was the result of changes in the product mix as well as measures in the areas of commercial and pricing policy.<\/span><\/p><p><span style=\"font-weight: 400;\">The company recorded an improvement in profitability in 2025. Net profit stood at PLN 54.91 million, compared to PLN 46.42 million in 2024, representing an increase of 18.3% year-on-year. Operating profit (EBIT) rose by 13.4% year-on-year. Control of operating costs (OPEX) and improved trading conditions led to an increase in net sales profitability (ROS) to 1.24% and operating profitability to 1.61%.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Equity increased by 14.2% year-on-year, reaching PLN 317.2 million. At the same time, total liabilities and provisions for liabilities decreased from PLN 533.8 million to PLN 532.4 million. As a result of these changes, the total debt ratio, calculated as the ratio of total liabilities to total assets, fell from 65.8% at the end of 2024 to 62.7% at the end of 2025. The Interest Coverage Ratio (ICR) stood at 6.2.<\/span><\/p><p><span style=\"font-weight: 400;\">The current ratio stood at 1.42, whilst the quick ratio was 1.25.<\/span><\/p><p><span style=\"font-weight: 400;\">Cash and other monetary assets at the end of the reporting period amounted to PLN 23.0 million, compared to PLN 13.2 million a year earlier, representing an increase of 74.0%. This increase indicates an improvement in the liquidity position and the effectiveness of measures taken in the area of working capital and receivables management.<\/span><\/p><p><span style=\"font-weight: 400;\">The results achieved in 2025 confirm an improvement in profitability, an increase in equity, a reduction in debt levels and a strengthening of the Company\u2019s liquidity position. The Grupa PSB Handel S.A. maintains a stable balance sheet structure and the ability to finance its current operating activities and planned capital expenditure in subsequent periods.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-413ffb3d e-flex e-con-boxed e-con e-parent\" data-id=\"413ffb3d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-17608f1d e-con-full e-flex e-con e-child\" data-id=\"17608f1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de2e429 elementor-widget elementor-widget-image\" data-id=\"de2e429\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"71\" height=\"71\" src=\"https:\/\/raportroczny2025.grupapsb.com.pl\/wp-content\/uploads\/2026\/03\/str_lewo.png\" class=\"attachment-full size-full wp-image-1538\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c434a44 e-con-full e-flex e-con e-child\" data-id=\"2c434a44\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-590e0e87 elementor-widget elementor-widget-heading\" data-id=\"590e0e87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">POPRZEDNIA STRONA<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72af8ce elementor-widget elementor-widget-heading\" data-id=\"72af8ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Strona g\u0142\u00f3wna<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-722949f2 e-con-full e-flex e-con e-child\" data-id=\"722949f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6867c184 elementor-widget elementor-widget-image\" data-id=\"6867c184\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"114\" height=\"200\" src=\"https:\/\/raportroczny2025.grupapsb.com.pl\/wp-content\/uploads\/2026\/03\/logo_stopka.jpg\" class=\"attachment-full size-full wp-image-1368\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c0c90ff e-con-full e-flex e-con e-child\" data-id=\"7c0c90ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-607a2ac5 e-con-full e-flex e-con e-child\" data-id=\"607a2ac5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18b92151 e-flex e-con-boxed e-con e-parent\" data-id=\"18b92151\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>SUMMARY OF THE 2025 ANNUAL REPORT Grupa PSB is a nationwide network made up of thousands of local stories, which come together every day to form a single, well-oiled machine. It\u2019s ours because it comes from here\u2014from neighborhoods, small towns, family-run businesses, and construction sites we know by name. Letter from the Management Board Dear [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2314","page","type-page","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/raportroczny2025.grupapsb.com.pl\/index.php\/wp-json\/wp\/v2\/pages\/2314","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/raportroczny2025.grupapsb.com.pl\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/raportroczny2025.grupapsb.com.pl\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/raportroczny2025.grupapsb.com.pl\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/raportroczny2025.grupapsb.com.pl\/index.php\/wp-json\/wp\/v2\/comments?post=2314"}],"version-history":[{"count":95,"href":"https:\/\/raportroczny2025.grupapsb.com.pl\/index.php\/wp-json\/wp\/v2\/pages\/2314\/revisions"}],"predecessor-version":[{"id":3662,"href":"https:\/\/raportroczny2025.grupapsb.com.pl\/index.php\/wp-json\/wp\/v2\/pages\/2314\/revisions\/3662"}],"wp:attachment":[{"href":"https:\/\/raportroczny2025.grupapsb.com.pl\/index.php\/wp-json\/wp\/v2\/media?parent=2314"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}