Main financial highlights

Consolidated data (in PLN million) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
Total Assets: 44 914 46 984 50 838 52 742 57 017 60 740 66 235 68 793 71 141 80 459
Shareholders' Equity: 2 787 4 091 4 586 4 824 5 363 5 765 6 443 6 941 7 773 8 384
Total Deposits: 31 559 35 395 37 428 41 434 45 305 47 591 52 810 55 876 57 273 66 244
Total Loans: 33 485 36 738 41 332 40 232 41 766 44 143 46 369 47 020 47 411 51 461
Loans/Deposits:1) 100.4% 99.5% 106.8% 95.4% 91.5% 92.0% 87.3% 83.7% 82.1% 79,6%
Operating Income2): 1 453.9 1 716.3 1 889.1 1 952.6 2 006.4 2 215.6 2 017.2 2 472 2 525 2 728
Operating Cost3): -1 022.9 -1 081.6 -1 124.1 -1 120.6 -1 089.6 -1 111 -1 087 -1 112 -1 156 -1 286
Net Income: 1.5 326.0 466.5 472.2 535.8 650.9 546.5 701.3 681.2 760,7
Cost/ Income ratio: 70.4% 63.0% 59.5% 57.4% 54.3% 50.2% 53.9% 45.0% 45.8% 46,5%
ROE: 0.1% 8.5% 11.1% 10.2% 10.6% 11.8% 9.1% 10.4% 9.3% 9,6%
ROA 0,003% 0,7% 1,0% 0,9% 1,0% 1,1 0,8% 1,0% 1,0% 1,0%
Total Capital Ratio: 11.3% 14.4% 13.2% 14.5% 14.5% 15.2% 16.7% 17.4% 22.0% 21,7%
Number of shares (million): 849.2 1 213.1 1 213.1 1 213.1 1 213.1 1 213.1 1 213.1 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 0.58 0.56 0,63
BVPS (in PLN): 3.28 3.37 3.78 3.98 4.42 4.75 5.31 5.72 6.41 6,91


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

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.