Financial data
SELECTED FINANCIAL DATA AND RATIOS - consolidated data
|
in PLN million |
2022 |
2021 |
2020 |
2019 |
2018 |
|
Statement of financial position |
|
|
|
|
|
|
Total assets |
151,517 |
131,777 |
119,577 |
109,954 |
109,023 |
|
Total net loans and advances to customers* |
90,040 |
86,299 |
75,637 |
73,811 |
73,414 |
|
Total equity |
11,262 |
11,362 |
12,031 |
11,159 |
10,560 |
|
Amounts due to customers |
120,021 |
101,093 |
90,051 |
86,135 |
87,192 |
|
Statement of profit or loss |
|
|
|
|
|
|
Net profit |
441 |
176 |
733 |
615 |
360 |
|
Normalized net profit** |
1,166 |
176 |
721 |
950 |
576 |
|
Net interest income |
3,493 |
3,141 |
3,060 |
3,169 |
2,107 |
|
Net fee and commission income |
1,137 |
1,049 |
916 |
820 |
567 |
|
Net income on banking activity |
5,352 |
4,809 |
4,705 |
4,550 |
3,289 |
|
Result on provisions for legal risk related to foreign currency loans |
(740) |
(1,045) |
(168) |
(32) |
- |
|
Net result on impairment losses on financial assets and provisions for contingent liabilities |
(275) |
(266) |
(601) |
(442) |
(558) |
|
General administrative expenses, depreciation and amortization |
(3,038) |
(2,544) |
(2,506) |
(2,922) |
(2,049) |
|
Financial ratios (%) |
|
|
|
|
|
|
Net ROE |
3.95% |
1.47% |
6.34% |
5.65% |
4.84% |
|
Net ROA |
0.31% |
0.14% |
0.63% |
0.57% |
0.45% |
|
Cost / Income |
56.77% |
52.89% |
53.26% |
64.22% |
62.31% |
|
Normalized net ROE** |
10.16% |
1.47% |
6.23% |
8.74% |
6.51% |
|
Normalized net ROA** |
0.82% |
0.14% |
0.62% |
0.88% |
0.61% |
|
Normalized Cost / Income** |
42.89% |
49.91% |
49.00% |
51.72% |
51.10% |
|
Net interest margin |
2.46% |
2.51% |
2.63% |
2.92% |
2.65% |
|
Share of impaired receivables (NPL ratio)*** |
3.28% |
3.64% |
5.37% |
5.70% |
5.61% |
|
Cost of risk |
(0.30%) |
(0.32%) |
(0.78%) |
(0.59%) |
(0.96%) |
|
Total capital ratio (TCR) |
15.55% |
16.91% |
18.65% |
15.05% |
14.63% |
|
Tier 1 capital ratio |
11.28% |
12.33% |
13.55% |
12.80% |
12.38% |
|
Information on shares |
|
|
|
|
|
|
Stock market capitalization (PLN mio) |
8,265 |
13,454 |
9,376 |
10,024 |
7,150 |
|
Number of shares (mio) |
148 |
148 |
147 |
147 |
147 |
|
Year-end share price (PLN) |
56 |
91 |
64 |
68 |
49 |
|
Business information |
|
|
|
|
|
|
Number of Bank Clients (ths), including: |
4,186 |
4,117 |
3,938 |
3,887 |
3,783 |
|
Individual Customers |
3,874 |
3,810 |
3,639 |
3,601 |
3,493 |
|
Business Customers |
312 |
307 |
299 |
286 |
290 |
* Net values, including loans measured at amortized cost and at fair value.
** Normalized values calculated excluding loan holidays, integration costs incurred in connection with the implementation of the merger processes in 2016-2020. From 2020 onwards, provisions for proceedings relating to CHF housing loans are presented as a separate line apart from income, this change has also been included for 2019.
*** Applies to portfolio measured at amortised cost.