Main financial highlights

Consolidated data (in PLN million) 2009 2010 2011 2012 2013 2014 2015
Total Assets: 44 914 46 984 50 838 52 742 57 017 60 740 66 235
Shareholders' Equity: 2 787 4 091 4 586 4 824 5 363 5 765 6 443
Total Deposits: 31 559 35 395 37 428 41 434 45 305 47 591 52 810
Total Loans: 33 485 36 738 41 332 40 232 41 766 44 143 46 369
Loans/Deposits:1) 100.4% 99.5% 106.8% 95.4% 91.5% 92.0% 87.3%
Operating Income2): 1 453.9 1 716.3 1 889.1 1 952.6 2 006.4 2 215.6 2 017.2
Operating Cost3): -1 022.9 -1 081.6 -1 124.1 -1 120.6 -1 089.6 -1 111 -1 087
Net Income: 1.5 326.0 466.5 472.2 535.8 650.9 546.5
Cost/ Income ratio: 70.4% 63.0% 59.5% 57.4% 54.3% 50.2% 53.9%
ROE: 0.1% 8.5% 11.1% 10.2% 10.6% 11.8% 9.1%
Total Capital Ratio: 11.3% 14.4% 13.2% 14.5% 14.5% 15.2% 16.7%
Number of shares (million): 849.2 1 213.1 1 213.1 1 213.1 1 213.1 1 213.1 1 213.1
EPS (in PLN): 0.002 0.28 0.38 0.39 0.44 0.54 0.45
BVPS (in PLN): 3.28 3.37 3.78 3.98 4.42 4.75 5.31
Dividend per share (in PLN): 0.00 0.10 0.00 0.00 0.22 0.00 0.005)
Dividend right day - 16-05-2011 - - 07-05-2014 - -
Dividend payment day - 30-05-2011 - - 21-05-2014 - -
Amount of dividend - 121.3 - - 266.9 - -
Dividend yield4): - 2.0% - - 3.1% - -


1) calculated by dividing loans and advances to customers by the sum of customer deposits, funds obtained from securitized assets, bonds issued by the Bank and sold to its retail customers and transactions with repurchase agreements with customers (presented on a net basis, i.e. liabilities less receivables).
2) includes „Other operating income" and „ Other operating cost"
3) does not include cost of impairment
4) Dividend yield reffered to share price at the end of the year
5) The Managment Board of the Bank will submit to the Annual General Shareholders Meeting a proposal to retain 100% of the profit of 2015 in equity

Details about financial data included in above table and information about causes of above figures evolutions you can find in section Financial Reports and Presentations.