Financial results - Investor relations

financial results

 

2020 2021   2022   2023  2024 2025
Net interest income (PLNm) 5 202 5 661  8 243  11 893 12 729 13 693
Net fee and commission income (PLNm) 2 434 2 668  2 710 2 786 2 854 3 154
Operating income (PLNm) 7 796 8 522  10 664   14 733 15 583 16 847
Net impairment losses (PLNm) -1578 -778 -2 016 -599 -833 -760
Operating costs (excl. banking tax, PLNm) -3451 -3739 -3 987 -4 631 -5 244 -5530
Profit before income tax (PLNm) 1 725 3 002 2 882 8 480 8 123 8 961
Net income attributable to equity holders of the Bank (PLNm) 1 102 2 175  1 717 6 578 6376 7 015
Earnings per share (PLN) 4.2 8.3 6.54 25.06 24.19 26.73
Dividend per share (PLN) 0.00 3.21 4.30 5.42 19.2 16.36
Customers' financing (PLNm 151684 169073  167510  171057 182158 197373
Amounts due to customers (PLNm)* 177745 195162 209596 232078 260742 269552
ROE 4.5% 4.7% 7.6% 24.7% 21.2% 21.4%
TCR 18.7% 16.9% 17.8% 16.8% 16.1% 16.4%
Tier 1 16.7% 15.1% 16.0% 15.2% 14.9% 15.0%

* Excluding repurchase agreements and lease liabilities.