Highlights of Bank Pekao S.A. Group

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2014

2013

2012

2011

2010

2009

Income statement CONTINUed OPERATIONS – SELECTED ITEMS (*)

(in PLN million)

Operating income

7,346

7,494

7,79

7,567

7,022

6,802

Operating costs

(3,426)

(3,438)

(3,542)

(3,586)

(3,558)

(3,574)

Operating profit

3,920

4,055

4,248

3,981

3,463

3,228

Profit before income tax

3,360

3,433

3,619

3,519

3,047

2,964

Net profit for the period attributable to equity holders of the Bank

2,715

2,767

2,906

2,842

2,488

2,397

Income statement (IN PLN million) – SELECTED ITEMS

(in PLN million)

Operating income

7,346

7,565

7,953

7,808

7,34

7,151

Operating costs

(3,426)

(3,483)

(3,626)

(3,672)

(3,649)

(3,673)

Operating profit

3,920

4,082

4,327

4,136

3,691

3,478

Profit before income tax

3,360

3,454

3,664

3,593

3,102

2,998

Net profit for the period attributable to equity holders of the Bank

2,715

2,785

2,943

2,899

2,525

2,412

profitability ratios

 

Return on average equity (ROE)

11.5%

12.0%

13.3%

14.2%

13.1%

14.1%

Net interest margin

3.1%

3.4% 

3.7%

3.7%

3.5%

3.3%

Non-interest income / operating income

38.3%

39.6%

37.3%

40.6%

43.1%

45.9%

Cost / income

46.6%

46.0%

45.6%

47.0%

49.7%

51.4%

statement of financial position – SELECTED ITEMS

(in PLN million)

Total assets

167,625

158,522

150,755

146,59

134,09

130,616

Net loans and advances to customers (**)

114,978

103,937

97,559

95,679

80,84

79,455

Amounts due to customers

125,609

119,797

107,993

108,437

99,807

97,25

Debt securities issued

3,857

3,064

4,759

3,044

1,177

2,032

Equity

24,046

23,514

23,264

21,357

20,257

18,371

STATEMENT OF FINANCIAL POSITION structure ratios

 

Net loans / total assets

68.6%

65.6%

64.7%

65.3%

60.3%

60.8%

Securities / total assets

15.0%

22.2%

19.5%

20.4%

23.4%

21.0%

Deposits/ total assets

77.2%

77.5%

74.8%

76.0%

75.3%

76.0%

Net loans / deposits (***)

88.8%

84.6%

86.5%

85.8%

80.1%

80.0%

Equity / total assets

14.3%

14.8%

15.4%

14.6%

15.1%

14.1%

Total capital ratio (Basel III) (****)

17.3%

18.3% 

18.1%

17.0%

17.6%

16.2%

employees and network

 

Total number of employees

18,765

18,916

19,816

20,357

20,783

20,874

Number of outlets (Bank Pekao S.A. and PJSC UniCredit Bank)

1,034

1,001

1,04

1,051

1,073

1,089

Number of ATMs (Bank Pekao S.A. and PJSC UniCredit Bank)

1,825

1,847

1,919

1,91

1,91

1,968

(*) As financial data of the year 2014 don’t include results of PJSC UniCredit Bank – sold on July 16, 2013 – to ensure comparability, the section “Income statement continued operations – selected items” was added where for the previous periods only results of continued operations, i.e. excluding PJSC UniCredit Bank, are reported.
(**) Including debt securities eligible for rediscounting at Central Bank and net investments in financial leases to customers.
(***) Deposits include amounts due to customers and debt securities issued.
(****) The total capital ratio for the period of 2012-2014 was calculated in accordance with the Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012 in force since January 1, 2014. The total capital ratios (previously capital adequacy ratios) for the period of 2009-2011 were calculated in accordance with the methodology which were in force before January 1, 2014.
Note: Since 2013 in the income statement in a presentation form, to align the presentation to the standards implemented by the major Polish and European banks, gains on disposal of available for sale financial assets and held to maturity investments are reported under trading result (and thus in operating income, operating profit and respective ratios). In order to ensure comparability, data for the years 2009 – 2012 have been restated in comparison to those previously published. In relation to changes in accounting policy in 2013 (for description refer to the Note 5 to the Consolidated Financial Statement of Bank Pekao S.A. Group for the period ended on December 31, 2014) data for 2013 and 2012 have been presented in accordance with the new rules. Data for earlier periods remain unchanged. Highlights of Bank Pekao S.A. Group for 2014 include data of Spółdzielcza Kasa Oszczędnościowo Kredytowa named Mikołaj Kopernik in Ornontowice, took over by Bank Pekao S.A. following decision of The Polish Financial Supervision Authority on December 5, 2014.