Highlights of Bank Pekao S.A. Group

	2024	2023 Restated	2022	2021	2020	2019
INCOME STATEMENT – SELECTED ITEMS						(in PLN million)
Operating income	16,049	15,200	10,664	8,522	7,796	8,282
Operating costs	(5,244)	(4,631)	(3,987)	(3,739)	(3,451)	(3,537)
Profit before income tax	8,123	8,565	2,882	3,002	1,725	3,002
Net profit attributable to equity holders of the Bank	6,376	6,659	1,717	2,175	1,102	2,165
PROFITABILITY RATIOS
Return on average equity (ROE) – nominally	21.2%	25.0%	7.6%	8.7%	4.5%	9.5%
Return on assets (ROA)	2.0%	2.2%	0.6%	0.9%	0.5%	1.1%
Net interest margin	4.2%	4.2%	3.3%	2.4%	2.5%	2.9%
Cost / income (including to contributions to the BFG cost and fee paid for the Protection Schemes)	34.2%	31.7%	44.4%	47.3%	49.2%	48.2%
Costs of risk	0.48%	0.36%	1.12%	0.45%	0.99%	0.46%
STATEMENT OF FINANCIAL POSITION – SELECTED ITEMS						(in PLN million)
Total assets	334,242	305,789	281,139	250,567	233,217	203,323
Customers’ financing^(*)	182,158	171,140	167,509	169,073	151,684	151,384
Amounts due to customers^(**)	259,034	232,078	209,596	194,804	177,745	157,203
Debt securities issued and subordinated liabilities	18,949	12,739	13,126	8,117	8,905	9,072
Equity	31,914	30,428	22,774	23,863	25,495	23,398
STATEMENT OF FINANCIAL POSITION STRUCTURE RATIOS
Customers’ financing^(*)/ total assets	54.5%	56.0%	59.6%	67.5%	65.0%	74.5%
Securities / total assets	35.8%	32.7%	25.3%	22.9%	26.7%	17.8%
Deposits ^(***) / total assets	83.2%	80.1%	79.2%	81.0%	80.0%	81.8%
Customers’ financing^() / deposits ^(**)	65.5%	69.9%	75.2%	83.3%	81.3%	91.0%
Equity / total assets	9.5%	10.0%	8.1%	9.5%	10.9%	11.5%
Total capital ratio ^(****)	16.1%	17.5%	17.8%	17.7%	19.2%	17.1%
EMPLOYEES AND NETWORK
Total number of employees	15,212	14,922	14,443	14,429	14,984	15,702
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 net investments in financial leases to customers, 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 Consolidated Financial Statements of Bank Pekao S.A. Group 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. Group

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