Consolidated data (in PLN million) 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets: 57 017 60 740 66 235 68 793 71 141 80 459 98 056 97 323 103 914 110 942 125 520 139 152
Shareholders' Equity: 5 363 5 765 6 443 6 941 7 773 8 384 8 942 9 091 6 697 5 494 6 895 7 772
Total Deposits: 45 305 47 591 52 810 55 876 57 273 66 244 81 455 81 511 91 448 98 039 107 246 117 257
Total Loans: 41 766 44 143 46 369 47 020 47 411 51 461 69 755 73 639 78 603 76 565 73 643 74 981
Loans/Deposits:1) 91.5% 92.0% 87.3% 83.7% 82.1% 79.6% 85.5% 90.3% 86% 78% 69% 64%
Operating Income2): 2 006.4 2 215.6 2 017.2 2 472 2 525 2 728 3 472 3 578 3 558 4 021 6 723 5 996
Operating Cost3): -1 089.6 -1 111 -1 087 -1 112 -1 156 -1 286 -1 726 -1 753 -1 642 -2 093 -1 993 -2 253
Net Income: 535.8 650.9 546.5 701.3 681.2 760.7 560.7 22.8 -1 332 -1 015 576 719
Cost/ Income ratio: 54.3% 50.2% 53.9% 45.0% 45.8% 46.5% 49.7% 49.0% 46.2% 39.3% 29.6% 37.6%
ROE: 10.6% 11.8% 9.1% 10.4% 9.3% 9.6% 6.4% 0.2% -16.3% -17.5% 9.1% 9.8%
ROA 1.0% 1.1 0.8% 1.0% 1.0% 1.0% 0.6% 0.02% -1.3% -0.93% 0.5% 0.5%
Total Capital Ratio: 14.5% 15.2% 16.7% 17.4% 22.0% 21.7% 20.1% 19.5% 17.1% 14.4% 18.1% 17.2%
Number of shares (million): 1 213.1 1 213.1 1 213.1 1 213.1 1 213.1 1 213.1 1 213.1 1 213.1 1 213.1 1 213.1 1 213.1 1 213.1
EPS (in PLN): 0.44 0.54 0.45 0.58 0.56 0.63 0.46 0.02 -1.1 -0.84 0.47 0.59
BVPS (in PLN): 4.42 4.75 5.31 5.72 6.41 6.91 7.37 7.49 5.52 4.53 5.68 6.41


1) calculated by dividing loans and advances to customers by the sum of customer deposits, funds obtained from securitized assets, bonds issued by the Bank and sold to its retail customers and transactions with repurchase agreements with customers (presented on a net basis, i.e. liabilities less receivables).
2) includes „Other operating income" and „ Other operating cost"
3) does not include cost of impairment
4) Dividend yield referred to share price at the end of the year

Details about financial data included in above table and information about causes of above figures evolutions you can find in section Financial Reports and Presentations.