Highlights of Bank Pekao S.A.

	2024	2023 Restated	2022	2021	2020	2019
INCOME STATEMENT – SELECTED ITEMS						(in PLN million)
Operating income	15,290	14,657	10,320	8,084	7,454	7,887
Operating costs	(4,794)	(4,230)	(3,658)	(3,438)	(3,169)	(3,204)
Profit before income tax	8,105	8,643	3,012	2,995	1,697	3,016
Net profit	6,425	6,799	1,898	2,237	1,126	2,247
PROFITABILITY RATIOS
Return on average equity (ROE) – nominally	21.7%	26.0%	8.7%	9.2%	4.8%	10.2%
Return on assets (ROA)	2.1%	2.4%	0.73%	0.9%	0.5%	1.2%
Net interest margin	4.2%	4.3%	3.3%	2.4%	2.5%	2.9%
Cost / income (including to contributions to the BFG cost and fee paid for the Protection Schemes)	32.9%	30.1%	42.7%	46.1%	47.6%	46.4%
Costs of risk	0.38%	0.32%	1.12%	0.41%	1.03%	0.43%
STATEMENT OF FINANCIAL POSITION – SELECTED ITEMS						(in PLN million)
Total assets	319,251	294,552	271,703	241,275	222,381	194,650
Customers’ financing^(*)	165,435	157,406	155,477	157,783	139,926	142,146
Amounts due to customers^(**)	259,523	232,307	209,803	195,064	178,276	157,750
Debt securities issued and subordinated liabilities	9,324	6,859	8,683	2,940	3,281	4,369
Equity	31,516	29,987	22,189	23,100	24,647	22,527
STATEMENT OF FINANCIAL POSITION STRUCTURE RATIOS
Customers’ financing^(*)/ total assets	51.8%	53.4%	57.2%	65.4%	62.9%	73.0%
Securities / total assets	37.9%	34.5%	26.8%	24.2%	28.2%	18.6%
Deposits ^(**) / total assets	84.2%	81.2%	80.4%	82.1%	81.6%	83.3%
Customers’ financing^() / deposits ^(*)	61.5%	65.8%	71.2%	79.7%	77.1%	87.7%
Equity / total assets	9.9%	10.2%	8.2%	9.6%	11.1%	11.6%
Total capital ratio ^(****)	18.7%	20.1%	19.9%	19.6%	21.3%	18.7%
EMPLOYEES AND NETWORK
Total number of employees	12,626	12,470	12,234	12,400	12,866	13,808
Number of outlets	573	574	597	650	713	805
Number of ATMs	1,314	1,306	1,328	1,475	1,592	1,648

(*) Including non-treasury debt securities and excluding reverse repo transactions.
(**) Excluding repo transactions and lease liabilities.
(***) Deposits include amounts due to customers, debt securities issued and subordinated liabilities.
(****) Data for 31 December, 2023 have been recalculated taking into account the retrospective recognition of part of the profit for 2023, in accordance with the EBA position expressed in Q&A 2018_3822 and Q&A 2018_4085.
(*****) From December 2024, a new a new method of reporting data on the number of employees has been adopted. The new methodology includes all people employed under an employment contract (active and inactive), excluding people employed for 0.1 full-time positions or less (so-called technical positions). In order to ensure comparability, data for the years 2023-2019 have also been changed.

Note: Due to changes in accounting principles made in 2024 described in Note No. 4 to the Separate Financial Statements of Bank Pekao S.A. for the year ended on 31 December 2024 and in order to ensure comparability, the data for 2023 have been corrected compared to those previously published.

Highlights of Bank Pekao S.A.

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