monthly-info-2023.06.pdf

Here are the key points summarized:

Financial Performance

• Profit or loss before tax: PLN 911 million (2021), PLN 934 million (2022)
• Profit or loss after tax: PLN 701 million (2021), PLN 543 million (2022)
• ROA (Return on Assets): 3.81% (2021), 7.41% (2022)
• ROE (Return on Equity): 5.36% (2021), 24.92% (2022)

Financial Ratios

• Interest margin: 1.79% (2021), 2.75% (2022)
• Commission margin: 0.59% (2021), 0.61% (2022)
• C/I (Cost-to-Income) ratio: 72.60% (2021), 43.88% (2022)

Balance Sheet

• Total assets: PLN 17.16 billion (2021), PLN 18.12 billion (2022)
• Total liabilities: PLN 13.45 billion (2021), PLN 14.23 billion (2022)
• Equity: PLN 3.71 billion (2021), PLN 3.89 billion (2022)

Loan Portfolio

• Non-performing loan ratio: 6.77% (2021), 11.58% (2022)