Consolidated statement of profit or loss
| Note | 12 months ended 31.12.2021 |
12 months ended 31.12.2020 (data restated) |
|
|---|---|---|---|
| Interest income | 4 | 3,420,814 | 3,573,340 |
| Interest income calculated with the use of effective interest rate method | 3,202,725 | 3,372,209 | |
| interest income on financial instruments measured at amortised cost | 3,012,072 | 3,180,080 | |
| interest income on financial instruments measured at fair value through other comprehensive income | 190,653 | 192,129 | |
| Income of a similar nature to interest on instruments measured at fair value through profit or loss | 218,089 | 201,131 | |
| Interest expense | 4 | (279,872) | (513,270) |
| Net interest income | 3,140,942 | 3,060,070 | |
| Fee and commission income | 5 | 1,284,545 | 1,132,051 |
| Fee and commission expenses | 5 | (235,559) | (215,956) |
| Net fee and commission income | 1,048,986 | 916,095 | |
| Dividend income | 6 | 8,550 | 9,669 |
| Net trading income (including result on foreign exchange) | 7 | 633,493 | 748,390 |
| Result on investment activities | 8 | (5,133) | 29,081 |
| Result on hedge accounting | 20 | 50,369 | (11,077) |
| Net impairment losses on financial assets and contingent liabilities | 9 | (266,185) | (601,499) |
| Result on provisions for legal risk related to foreign currency loans | 55 | (1,045,304) | (168,156) |
| General administrative expenses | 10 | (2,143,976) | (2,137,605) |
| Depreciation and amortization | 12 | (399,553) | (367,958) |
| Other operating income | 13 | 229,695 | 323,586 |
| Other operating expenses | 14 | (297,645) | (371,120) |
| Operating result | 954,239 | 1,429,476 | |
| Tax on financial institutions | (338,110) | (318,909) | |
| Profit before tax | 616,129 | 1,110,567 | |
| Income tax expenses | 15 | (439,831) | (377,472) |
| Net profit | 176,298 | 733,095 | |
| attributable to equity holders of the Group | 176,298 | 733,095 | |
| Earnings (loss) per share (in PLN per one share) | |||
| Basic | 16 | 1.20 | 4.97 |
| Diluted | 16 | 1.19 | 4.96 |