Consolidated statement of profit or loss

XLS

	Note	12 months ended 31.12.2020	12 months ended 31.12.2019 (restated)
Interest income	4	3,602,796	4,188,083
Interest income calculated with the use of effective interest rate method		3,401,647	3,969,451
interest income on financial instruments measured at amortised cost		3,209,518	3,753,506
interest income on financial instruments measured at fair value through other comprehensive income		192,129	215,945
Income of a similar nature to interest on instruments measured at fair value through profit or loss		201,149	218,632
Interest expense	4	(542,726)	(1,019,324)
Net interest income		3,060,070	3,168,759
Fee and commission income	5	1,132,051	1,060,165
Fee and commission expenses	5	(215,956)	(240,228)
Net fee and commission income		916,095	819,937
Dividend income	6	9,669	6,007
Net trading income	7	748,390	682,415
Result on investment activities	8	29,081	(31,836)
Result on fair value hedge accounting	20	(11,077)	(4,385)
Net impairment losses on financial assets and contingent liabilities	9	(601,499)	(441,890)
Result on provisions for legal risk related to foreign currency loans	55	(168,156)	(32,113)
General administrative expenses	10	(2,137,605)	(2,467,937)
Depreciation and amortisation	12	(367,958)	(454,147)
Other operating income	13	323,586	182,705
Other operating expenses	14	(371,120)	(273,371)
Operating result		1,429,476	1,154,144
Tax on financial institutions		(318,909)	(281,189)
Profit before tax		1,110,567	872,955
Income tax expenses	15	(377,472)	(258,261)
Net profit		733,095	614,694
attributable to equity holders of the Group		733,095	614,694
Earnings (loss) per share (in PLN per one share)
Basic	16	4.97	4.17
Diluted	16	4.96	4.17

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