|
FINANCIAL HIGHLIGHTS |
PLN k |
EUR k |
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|
31.12.2025 |
31.12.2024 |
31.12.2025 |
31.12.2024 |
|
Separate financial statement |
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|
I |
Net interest income |
12 323 166 |
11 917 462 |
2 908 328 |
2 768 798 |
|
II |
Net fee and commission income |
2 697 307 |
2 552 480 |
636 578 |
593 021 |
|
III |
Profit before tax |
8 937 407 |
7 029 586 |
2 109 272 |
1 633 192 |
|
IV |
Profit for the period |
6 708 807 |
5 197 480 |
1 583 311 |
1 207 537 |
|
V |
Total net cash flows |
1 782 582 |
(4 976 720) |
420 698 |
(1 156 247) |
|
VI |
Total assets |
300 647 903 |
276 090 920 |
71 130 646 |
64 612 900 |
|
VII |
Deposits from banks |
1 946 975 |
3 050 432 |
460 637 |
713 885 |
|
VIII |
Deposits from customers |
230 200 308 |
215 776 367 |
54 463 366 |
50 497 629 |
|
IX |
Total liabilities |
267 318 385 |
245 863 553 |
63 245 176 |
57 538 861 |
|
X |
Total equity |
33 329 518 |
30 227 367 |
7 885 470 |
7 074 039 |
|
XI |
Number of shares |
102 189 314 |
102 189 314 |
|
|
|
XII |
Net book value per share in PLN/EUR |
326,15 |
295,80 |
77,16 |
69,23 |
|
XIII |
Capital ratio |
21,45% |
20,15%* |
|
|
|
XIV |
Profit per share in PLN/EUR |
65,65 |
50,86 |
15,49 |
11,82 |
|
XV |
Diluted earnings per share in PLN/EUR |
65,65 |
50,86 |
15,49 |
11,82 |
|
XVI |
Declared or paid dividend per share in PLN/EUR** |
46,37** |
44,63 |
10,94 |
10,37 |
*The data includes profits included in own funds, taking into account the applicable EBA guidelines
**Detailed information are described in Note 53.
The following rates were applied to determine the key EUR amounts for selected financial statements line items:
· for balance sheet items – average NBP exchange rate as at 31.12.2025: EUR 1 = PLN 4,2267 and as at 31.12.2024: EUR 1 = PLN 4,2730
· for profit and loss items – as at 31.12.2025 - the rate is calculated as the average of NBP exchange rates prevailing as at the last day of each month in 2025: EUR 1 = PLN 4,2372; as at 31.12.2024 - the rate is calculated as the average of NBP exchange rates prevailing as at the last day of each month in 2023: EUR 1 = PLN 4,3042.
As at 31.12.2025, FX denominated balance sheet positions were converted into PLN in line with the NBP FX table no. 251/A/NBP/2025 dd. 31.12.2025.