Consolidated data (in PLN million) 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
Total Assets: 46 984 50 838 52 742 57 017 60 740 66 235 68 793 71 141 80 459 98 056 97 772
Shareholders' Equity: 4 091 4 586 4 824 5 363 5 765 6 443 6 941 7 773 8 384 8 942 9 091
Total Deposits: 35 395 37 428 41 434 45 305 47 591 52 810 55 876 57 273 66 244 81 455 81 511
Total Loans: 36 738 41 332 40 232 41 766 44 143 46 369 47 020 47 411 51 461 69 755 74 088
Loans/Deposits:1) 99.5% 106.8% 95.4% 91.5% 92.0% 87.3% 83.7% 82.1% 79.6% 85.5% 90.9%
Operating Income2): 1 716.3 1 889.1 1 952.6 2 006.4 2 215.6 2 017.2 2 472 2 525 2 728 3 472 3 578
Operating Cost3): -1 081.6 -1 124.1 -1 120.6 -1 089.6 -1 111 -1 087 -1 112 -1 156 -1 286 -1 726 -1 753
Net Income: 326.0 466.5 472.2 535.8 650.9 546.5 701.3 681.2 760.7 560.7 22.8
Cost/ Income ratio: 63.0% 59.5% 57.4% 54.3% 50.2% 53.9% 45.0% 45.8% 46,5% 49,7% 49.0%
ROE: 8.5% 11.1% 10.2% 10.6% 11.8% 9.1% 10.4% 9.3% 9,6% 6,4% 0.2%
ROA 0,7% 1,0% 0,9% 1,0% 1,1 0,8% 1,0% 1,0% 1,0% 0,6% 0,02%
Total Capital Ratio: 14.4% 13.2% 14.5% 14.5% 15.2% 16.7% 17.4% 22.0% 21.7% 20.1% 19.5%
Number of shares (million): 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 1 213.1 1 213.1
EPS (in PLN): 0.28 0.38 0.39 0.44 0.54 0.45 0.58 0.56 0.63 0.46 0.02
BVPS (in PLN): 3.37 3.78 3.98 4.42 4.75 5.31 5.72 6.41 6.91 7.37 7.49


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.