Sales 2024 by Business Segment

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Sales 2024 by Geography

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Historical Breakdown of Revenue by Business Segments

Operating Income: Breakdown by Business Segment

Breakdown by Business Segment (PLN)
Fiscal Period: December 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

Diversified Commercial Banks

          

Retail and Business Banking

1.76B 2.26B 1.89B 3.65B 3.95B

Total Assets

46.09B 50.31B 48.18B 44.4B 44.24B

Interest Expense

-899M -584M -4.14B -4.33B -4.14B

EBT

-314M -710M -1.12B -550M 743M

D&A

101M 104M 103M 118M 124M

Operating Income

-148M -539M -897M -378M 927M

Corporate Banking

1.03B 1.09B 1.68B 2.2B 2.12B

Total Assets

20.82B 24.83B 28.72B 27.89B 31.19B

Interest Expense

-288M -160M -1.56B -2.3B -2.13B

EBT

542M 608M 1B 1.51B 1.31B

D&A

18.87M 27.85M 44.07M 55.84M 70.95M

Operating Income

638M 691M 1.1B 1.62B 1.44B

Small and Medium-Sized Enterprises (SME) Banking

432M 414M 631M 748M 840M

Total Assets

6.67B 7.5B 7.39B 7.01B 6.75B

Interest Expense

-128M -69.55M -619M -853M -730M

EBT

106M 80.58M 257M 377M 441M

D&A

3.29M 2.9M 2.2M 2.24M 2.26M

Operating Income

142M 107M 289M 403M 468M

Investment Certificates

305M 297M 377M 443M 367M

Total Assets

2.61B 4.6B 5.24B 4.92B 5.09B

Interest Expense

-31.25M -36.54M -309M -388M -306M

EBT

207M 197M 259M 314M 207M

D&A

6.28M 8.81M 13.6M 15.66M 20.45M

Operating Income

215M 214M 277M 331M 234M

Investment Funds

          

Other Banking Operations

619M 556M 576M 276M 333M

Total Assets

43.37B 44.54B 61.99B 76.8B 80.27B

Interest Expense

804M 571M 3.64B 3.27B 2.81B

EBT

568M 441M 471M 116M 252M

D&A

238M 256M 249M 265M 296M

Operating Income

583M 480M 525M 199M 294M

Interest Expense

- - - - -

Geographical Revenue Distribution History

Geographical breakdown of sales (PLN)
Fiscal Period: December 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

Poland

4.22B 4.61B 5.16B 7.32B 7.62B

Total Assets

120B 132B 152B 161B 168B

Interest Expense

-543M -280M -2.99B -4.6B -4.5B

Income Tax Expense

377M 440M 430M 751M 596M

D&A

368M 400M 412M 457M 514M

CAPEX

-371M -342M -338M -446M -465M

Net Income

733M 176M 441M 1.01B 2.36B

EBT

1.11B 616M 872M 1.76B 2.95B