| PLN millions | EUR millions | |||
|---|---|---|---|---|
| period from 1.01.2014 to 31.12.2014 | period from 1.01.2013 to 31.12.2013 | period from 1.01.2014 to 31.12.2014 | period from 1.01.2013 to 31.12.2013 | |
| Interest income | 2.583.219 | 2.672.170 | 616.623 | 634.569 |
| Fee and commission income | 695.321 | 697.600 | 165.975 | 165.661 |
| Operating income | 2.308.366 | 2.080.135 | 551.015 | 493.976 |
| Operating profit / (loss) | 838.705 | 682.707 | 200.202 | 162.125 |
| Profit /(loss) before taxes | 838.459 | 680.563 | 200.143 | 161.616 |
| Profit /(loss) after taxes | 650.920 | 535.795 | 155.377 | 127.237 |
| Total comprehensive income of the period | 669.232 | 538.963 | 159.748 | 127.989 |
| Net cash flows from operating activities | -477.552 | 2.965.573 | -113.993 | 704.244 |
| Net cash flows from investing activities | -1.549.021 | -2.118.436 | -369.757 | -503.072 |
| Net cash flows from financing activities | 672.262 | -388.722 | 160.471 | -92.311 |
| Net cash flows, total | -1.354.311 | 458.415 | -323.279 | 108.861 |
| Total assets | 60.740.482 | 57.016.715 | 14.250.635 | 13.748.243 |
| Liabilities to banks and other monetary institutions | 2.037.269 | 2.348.562 | 477.974 | 566.301 |
| Liabilities to customers | 47.591.244 | 45.305.121 | 11.165.625 | 10.924.267 |
| Total equity | 5.765.479 | 5.363.133 | 1.352.669 | 1.293.194 |
| Share capital | 1.213.117 | 1.213.117 | 284.616 | 292.515 |
| Number of shares | 1.213.116.777 | 1.213.116.777 | 1.213.116.777 | 1.213.116.777 |
| Book value per share (in PLN/EUR) | 4.75 | 4.42 | 1.12 | 1.07 |
| Diluted book value per share (in PLN/EUR) | 4.75 | 4.42 | 1.12 | 1.07 |
| Capital adequacy ratio | 15,23% | 14,54% | 15,23% | 14,54% |
| Basic earnings (losses) per ordinary share (in PLN/EUR) | 0.54 | 0.44 | 0.13 | 0.10 |
| Diluted earnings (losses) per ordinary share (in PLN/EUR) | 0.54 | 0.44 | 0.13 | 0.10 |
| Pledged or paid dividend per share (in PLN/EUR) | 0.22 | - | 0.05 | - |
Rates used for conversion of financial data to EURO
Following rates were used to calculate values in EURO:
- For balance-sheet items 4.2623 EUR/PLN rate of 31 December 2014 (for comparable data as of 31 December 2013: 4.1472 EUR/PLN),
- For items from the Profit and Loss Account for the period 1 January – 31 December 2014 – 4.1893 EUR/PLN, rate calculated as the average of rates at end of reporting months (for comparable data for the period 1 January – 31 December 2013: 4.2110 EUR/PLN).
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