Figures

2016 2015 2014 2013 2012
2011 2010 2009 2008 2007
2006 2005 2004

2016

     

Pliki do pobrania

dnb_raport_roczny_2016_en.pdfdnb_raport_roczny_2016_en.pdf
Annual report for the year 2016

2015

dfd

Pliki do pobrania

dnb_raport_roczny_2015_en_06.pdfdnb_raport_roczny_2015_en_06.pdf
Annual report for the year 2015

2014

    

Pliki do pobrania

dnb_raport_roczny_2014_en_1.pdfdnb_raport_roczny_2014_en_1.pdf
Annual Report for 2014

2013

2013

Pliki do pobrania

dnb_raport_roczny_2013_eng_final.pdfdnb_raport_roczny_2013_eng_final.pdf
Annual Report for 2013

2012

2012

Pliki do pobrania

annual_report_2012_eng.pdfannual_report_2012_eng.pdf
annual_report_2012_eng.pdf
raport_roczny_2012_pol.pdfraport_roczny_2012_pol.pdf
raport_roczny_2012_pol.pdf

2011

 

BALANCE SHEET
(PLN '000)

31.12.2011

31.12.2010

ASSETS
Cash and cash equivalenes with the Central Bank 456 479

382 050

Amounts receivable from banks 174 483

73 112

Derivative financial instruments 89 336

47 903

Financial assets held for traiding 73

177

Loans and advances to customers 10 453 151

7 068 003

Investment securities 875 188

1 867 159

- available-for-sale 597 580

1 359 759

- held to maturity 277 608

507 400

Investments in subsidaries 65 575

95 618

Intangible assets 33 843

33 273

Tangible fixed assets 27 755

23 182

Fixed assets classified as held for sale 933

1 084

Current income tax assets 0 1 084
Deferred income tax assets 15 033

17 803

Other assets 30 822

27 424

TOTAL ASSETS 12 222 671

9 637 872

 
LIABILITIES
Amounts payable to other banks 6 527 187

4 179 864

Derivative financial instruments 70 982

46 105

Payables to customers 4 408 484

4 488 758

Payables due to issued debt securities

8 126

12 306

Subordinated liabilities 197 852

100 170

Current income tax liabilities

22 932 0
Other liabilities 92 598

96 916

Provisions 18 345

9 304

TOTAL LIABILITIES 11 346 506

8 933 423

 
EQUITY
Attributable to Bank's shareholders:
Share capital 705 200

625 200

Other capital 75 359

21 054

Retained earnings 95 606

58 195

TOTAL EQUITY 876 165

704 449

TOTAL EQUITY AND LIABILITIES 12 222 671

9 637 872




INCOME STATEMENT (PLN '000)
  31.12.2011 31.12.2010
Interest income 491 090

401 578

Interest expences (286 545)

(219 543)

Profit (loss) from interest 204 545

182 035

Income from commissions and fees 83 977

77 908

Commission and fee expenses (23 653)

(19 172)

Profit (loss) from commissions and fees 60 324

58 736

Dividend income 1 644

7 788

Net traiding income 143 978

82 445

Profit (loss) from investment securities (1 302)

389

Impairment charge for credit losses and off-balance sheet libilities

(47 488)

(49 405)

Net income from non-current assets held for sale (154)

(819)

General administration costs (247 291)

(220 223)

Other operating income 18 440

17 619

Other operating expenses (17 949)

(9 846)

Profit (loss) from operating activities 114 747

68 719

GROSS PROFIT (LOSS) 114 747

68 719

Income tax (26 121)

(17 504)

NET PROFIT (LOSS) 88 626

51 215

 
Average weighted number of ordinary shares 627 830 137 625 200 000
PROFIT/LOSS PER ONE ORDINARY SHARE 0,14 0,08

2010

BALANCE SHEET (PLN '000)

31.12.2010

31.12.2009

ASSETS
Cash and cash equivalenes with the Central Bank 382 050

224 668

Amounts receivable from banks 73 112

70 216

Derivative financial instruments 47 903

131 643

Financial assets held for traiding 177

39

Loans and advances to customers 7 068 003

5 917 587

Investment securities 1 867 159

1 175 282

- available-for-sale 1 359 759

669 743

- held to maturity 507 400

505 539

Investments in subsidaries 95 618

95 618

Intangible assets 33 273

36 099

Tangible fixed assets 23 182

25 740

Fixed assets classified as held for sale 1 084

434

Current income tax assets 1 084 9 721
Deferred income tax assets 17 803

34 575

Other assets 27 424

30 403

TOTAL ASSETS 9 637 872

7 752 025

 
LIABILITIES
Amounts payable to other banks 4 179 864

3 673 915

Derivative financial instruments 46 105

120 077

Payables to customers 4 488 758

3 145 644

Payables due to issued debt securities

12 306

19 502

Subordinated liabilities 100 170

102 406

Other liabilities 96 916

85 478

Provisions 9 304

8 109

TOTAL LIABILITIES 8 933 423

7 155 131

 
EQUITY
Attributable to Bank's shareholders:
Share capital 625 200

625 200

Other capital 21 054

4 713

Retained earnings 58 195

(33 019)

TOTAL EQUITY 704 449

596 894

TOTAL EQUITY AND LIABILITIES 9 637 872

7 752 025




INCOME STATEMENT (PLN '000)
  31.12.2010 31.12.2009
Interest income 400 079

376 512

Interest expenses (209 826)

(233 166)

Profit (loss) from interest 190 253

143 346

Income from commissions and fees 77 908

72 669

Commission and fee expenses (19 172)

(17 233)

Profit (loss) from commissions and fees 58 736

55 436

Dividend income 7 788

123

Net traiding income 74 227

38 250

Profit (loss) from investment securities 389

11 829

Impairment charge for credit losses and off-balance sheet libilities

(49 405)

(114 956)

Net income from non-current assets held for sale (819)

(594)

General administration costs (220 223)

(214 308)

Other operating income 17 619

13 755

Other operating expenses (9 846)

(22 814)

Profit (loss) from operating activities 68 719

(89 933)

GROSS PROFIT (LOSS) 68 719

(89 933)

Income tax (17 504)

10 146

NET PROFIT (LOSS) 51 215

(79 787)

 
Average weighted number of ordinary shares   516 033 020
PROFIT/LOSS PER ONE ORDINARY SHARE  

2009

BALANCE SHEET (PLN '000)

31.12.2009

31.12.2008

ASSETS
Cash and cash equivalenes with the Central Bank 224 668

103 036

Amounts receivable from banks 70 216

699 963

Derivative financial instruments 131 643

354 438

Financial assets held for traiding 39

58

Loans and advances to customers 5 917 587

4 933 295

Investment securities 1 175 282

952 309

- available-for-sale 669 743

471 653

- held to maturity 505 539

480 656

Investments in subsidaries 95 618

100 291

Intangible assets 36 099

32 663

Tangible fixed assets 25 740

28 044

Fixed assets classified as held for sale 434

2 651

Current income tax assets 9 721 0
Deferred income tax assets 34 575

23 053

Other assets 30 403

26 204

TOTAL ASSETS 7 752 025

7 256 005

 
LIABILITIES
Amounts payable to Central Bank 0

5 999

Repurchase agreements

0

193 481

Amounts payable to other banks 3 673 915

3 020 463

Derivative financial instruments 120 077

330 936

Payables to customers 3 145 644

2 950 766

Payables due to issued debt securities

19 502

65 770

Subordinated liabilities 102 406

104 378

Other liabilities 85 478

70 510

Current income tax liabilities

0

3 559

Provisions 8 109

6 632

TOTAL LIABILITIES 7 155 131

6 752 494

 
EQUITY
Attributable to Bank's shareholders:
Share capital 625 200

451 200

Other capital 4 713

(5 090)

Retained earnings (33 019)

57 401

TOTAL EQUITY 596 894

503 511

TOTAL EQUITY AND LIABILITIES 7 752 025

7 256 005




INCOME STATEMENT (PLN '000)
  31.12.2009 31.12.2008
Interest income 374 297

384 982

Interest expenses (233 166)

(241 504)

Profit (loss) from interest 141 131

143 478

Income from commissions and fees 72 669

62 161

Commission and fee expenses (17 233)

(12 007)

Profit (loss) from commissions and fees 55 436

50 154

Dividend income 123

81

Net traiding income 38 250

41 302

Profit (loss) from investment securities 11 829

3 066

Impairment charge for credit losses and off-balance sheet libilities

(114 956)

(20 449)

Net income from non-current assets held for sale 75

4 063

General administration costs (214 308)

(209 956)

Other operating income 15 970

15 347

Other operating expenses (23 483)

(9 534)

Profit (loss) from operating activities (89 933)

17 552

GROSS PROFIT (LOSS) (89 933)

17 552

Income tax 10 146

(6 919)

NET PROFIT (LOSS) (79 787)

10 633

 
Average weighted number of ordinary shares 516 033 020 369 830 365
PROFIT/LOSS PER ONE ORDINARY SHARE -0,15 0,03

 

2008

Balance Sheet (in PLN)

31.12.2008 31.12.2008

Assets
Cash and balances with the Central Bank

103 035 496,19

132 877 144,00

Loans and advances to banks

699 962 573,20

1 062 714 166,51

Derivative financial instruments

354 437 564,60

120 888 349,79

Financial assets, trading

58 314,82

0,00

Loans and advances to customers

4 933 295 213,33

3 870 549 194,31

Investment securities:

952 309 589,97

263 953 121,16

- available-for-sale

471 653 143,28

263 953 121,16

- held to maturity

480 656 446,69

0,00

Investments in subsidiaries

100 291 079,01

13 773 989,65

Intangible assets

32 662 950,32

32 475 425,05

Property, plant and equipment

28 044 160,53

24 031 097,41

Non-current assets held for sale

2 650 675,84

86 954 125,25

Deferred income tax assets

23 053 228,71

13 235 511,19

Other assets

26 204 401,60

12 332 171,45

TOTAL ASSETS

7 256 005 248,12

5 633 784 295,77

 
Liabilities
Due to Central Bank

5 998 901,56

0,00

Repurchase agreements

193 480 888,52

0,00

Deposits from banks

3 020 462 672,64

1 842 057 052,49

Derivative financial instruments

330 935 848,46

106 372 919,48

Due to customers

2 950 766 315,62

3 014 641 954,31

Debt securities in issue

65 770 294,10

43 520 135,27

Other borrowed funds

104 378 250,67

95 161 244,36

Other liabilities

70 509 519,24

108 570 772,57

Current income tax liabilities

3 559 275,54

2 248 948,23

Provisions

6 631 670,71

6 390 299,94

TOTAL LIABILITIES

6 752 493 637,06

5 218 963 326,65

 
EQUITY
Attributable to Bank's shareholders
Share capital

451 200 228,00

361 200 228,00

Other capital

(5 089 840,35)

40 891 732,73

Retained earnings

57 401 223,41

12 729 008,39

TOTAL EQUITY

503 511 611,06

414 820 969,12

TOTAL EQUITY AND LIABILITIES

7 256 005 248,12

5 633 784 295,77




Income Statement (in PLN)
31.12.2008 31.12.2008
Interest income

384 982 226,60

247 524 295,77

Interest expense

(241 504 313,58)

(149 772 014,23)

Net interest income

143 477 913,02

97 752 281,54

Fee and comission income

62 160 863,82

44 737 919,05

Fee and comission expense

(12 006 653,02)

(10 135 570,88)

Net fee comission income

50 154 210,80

34 602 348,17

Dividend income

81 843,22

765 029,80

Net trading income

41 301 805,43

31 117 004,15

Gains less losses form investment securities

3 066 159,37

359 131,39

Impairment charge for credit losses and off-balance

sheet liabilities

(20 449 285,54)

(11 979 048,72)

Net income from non-current assets for sale

4 063 012,83

(3 924,66)

General administrative expenses

(209 956 135,66)

(141 957 292,24)

Other operating income

15 346 900,25

6 551 986,67

Other operating expenses

(9 534 216,86)

(9 765 744,40)

Net operating income

17 552 206,86

7 441 771,70

Profit before income tax

17 552 206,86

7 441 771,70

Income tax

(6 919 391,20)

(2 652 067,83)

Net profit

10 632 815,66

4 789 703,87

2007

Data in thousand PLN

2006 2007
     

Balance sheet total

2 156 506 5 633 784

Share capital

200 000

361 200

Equity

261 200 459 705

Receivables from banks (net without interest)

379 893 1 061 613

Receivables from clients and state (net without interest)

1 313 021 3 786 315

Payables for banks (without interest)

1 099 874 1 836 205

Payables for clients and state (without interest)

662 314 3 007 823

Interest income

102 338 247 524

Commission income

9 766 44 738

Result from banking activity

59 219 149 403

Costs of bank operations

41 978 128 433

Gross financial result

14 042 7 442

Net financial result

12 559 4 790

Note: Data at the end of 2007 refer to Bank DnB NORD after merger with BISE (the merger took place on 9 November 2007), hence large growth dynamic of items (data for 2006 refer to "old" bank DnB NORD). An increase in costs, and at the same time – smaller gross and net profit of the bank and deterioration of indices, result from the need to incur costs of integration of both banks, in total amount of over PLN 13.8 million. Additionally – the result of BISE from 1 January until 26 April 2007 (closing date of share purchase by the Group DnB NORD) in the amount of PLN 7.7 million was in total included in capital of the combined bank – it resulted from the applied accounting method of the merger of two banks. Without these two elements the net result of the bank at the end of 2007 would amount to about PLN 263 million.

2006

Balance sheet 31.12.2006 31.12.2005
  PLN 000' PLN 000'
Assets    
Cash in hand, operations with Central Bank 9 036 12 727
Treasury bills 43 850 29 247
Receivables from other banks 380 479 221 995
Other securities and financial instruments 14 783 10 606
Loans granted clients 1 496 529 1 387 642
Long term debt securities 179 329 227 056
Intangible assets 19 111 15 623
Fixed tangible assets 8 653 7 256
Other assets 874 669
Interim settlements 3 863 3 217
     
Total Assets 2 156 506 1 916 037
     
Liabilities    
Liabilities to other banks 1 103 147 862 149
Liabilities to Central Bank 0 0
Derivatives 11 097 11 375
Liabilities to clients 727 866 749 796
Subordinated loan 58 074 58 164
Other liabilities 20 921 11 789
Reserves 0 173
Stated capital 200 000 200 000
Reserve capital 22 842 10 461
Net profit (loss) 12 559 12 132
     
Total Liabilities 2 156 506 1 916 037


Profit and Loss Account 31.12.2006 31.12.2005
  PLN 000' PLN 000'
     
Net interest 41 406 31 294
     
Net commissions 9 412 8 984
     
Net foreign exchange 10 668 6 791
     
Net financial transactions -2 347 2 261
     
Net banking operations 59 139 49 330
Other operating income 366 1 366
General costs of banking operations 41 978 32 896
Depreciation of fixed assets, intangible assets and legal values 3 200 1 923
Net reserves and revaluation -286 -1 474
     
Gross result (loss) 14 042 14 403
Income tax 1 483 2 271
Other charges decreasing the profit (increasing loss) 0 0
Net profit (loss) 12 559 12 132

2005


  Year ended 31.12.2005 Year ended 31.12.2004
ASSETS    
Cash and balances with the Central Bank 12 727 170.44 5 388 619.34
Treasury and other eligible bills 29 247 012.24 34 326 504.78
Due from other banks 221 995 022.61 145 801 944.83
Securities held for trading 0.00 0.00
Derivative financial instruments 10 605 554.97 6 871 013.62
Other financial instruments designated at fair value through profit or loss 0.00 0.00
Loans to customers 1 387 641 542.39 922 579 336.84
Investment securities: 227 056 387.53 39 787 038.61
- available-for-sale 21 294 291.58 0.00
- held-to-maturity 205 762 095.95 39 787 038.61
Non-current assets designated for disposal 0.00 0.00
Investment property 0.00 0.00
Intangible assets 15 622 682.60 10 155 432.20
Property and equipment 7 255 683.99 3 590 026.92
Deferred income tax assets 5 819 660.40 2 532 684.60
Other assets 3 216 988.52 3 381 204.68
TOTAL ASSETS 1 921 187 705.69 1 174 413 806.42
     
LIABILITIES    
Amounts due to the Central Bank 0.00 0.00
Due to other banks 862 149 352.51 688 542 057.42
Other deposits 0.00 0.00
Derivative financial instruments and other liabilities held for trading 11 374 529.53 1 692 450.27
Due to customers 749 795 615.17 257 629 971.74
Other borrowed funds 58 163 599.59 0.00
Other liabilities 11 788 539.80 11 895 584.54
Current income tax liabilities 0.00 0.00
Deferred income tax liabilities 5 150 963.53 2 489 090.33
Provisions 172 500.00 172 500.00
TOTAL LIABILITIES 1 698 595 100.13 962 421 654.30
     
EQUITY    
Equity attributable to the shareholders of the Company: 222 592 605.56 211 992 152.12
Share capital 200 000 000.00 200 000 000.00
Supplementary capital 3 577 258.85 3 577 258.85
Retained earnings/(accumulated losses) for the year 12 131 869.27 8 414 893.27
Retained earnings/(accumulated losses) from previous years (1 531 415.83) 0.00
Other reserves 8 414 893.27 0.00
     
TOTAL EQUITY 222 592 605.56 211 992 152.12
TOTAL EQUITY AND LIABILITIES 1 921 187 705.69 1 174 413 806.42


Income statement

  Year ended 31.12.2005 Year ended 31.12.2004
Interest income 79 364 783.64 48 187 655.52
Interest expense (48 070 867.11) (23 327 401.29)
Net interest income 31 293 916.53 24 860 254.23
     
Fee and commission income 9 318 974.25 5 897 370.45
Fee and commission expense (334 782.23) (458 582.23)
Net fee and commission income 8 984 192.02 5 438 788.22
     
Net trading income 6 790 815.65 3 993 974.11
Net income from investment securities 2 260 983.80 (8 586.12)
Other operating income 2 350 802.14 1 329 344.63
Impairment loss on loans and advances (1 473 580.94) (1 092 755.92)
General administrative expenses (32 895 961.56) (21 801 944.46)
Other operating expenses (2 907 891.10) (2 599 164.44)
Operating profit (loss) 14 403 276.54 10 119 910.25
     
Profit (loss) before income tax 14 403 276.54 10 119 910.25
Income tax expense (2 271 407.27) (1 705 016.98)
Net profit (loss) 12 131 869.27 8 414 893.27
- attributable to the shareholders of the Company 12 131 869.27 8 414 893.27
     
Earnings per share attributable to the shareholders of the Company (expressed in PLN per share)    
- basic 60.66 42.07
- diluted 60.66 42.07

2004

Balance sheet 31.12.2004 31.12.2003 Period comparision Period comparision
Assets PLN 000' PLN 000' Δ Δ %
         
Cash in hand, operations with Central Bank 5 389 1 079 4 310 499%
Debts of the financial sector 396 848 251 757 145 091 158%
Debts of the non-financial sector 647 109 432 324 214 785 150%
Debts of State budget sector 24 424 20 771 3 653 118%
Debt securities 74 114 89 922 -15 808 82%
Other securities and financial assets 6 871 0 6 871 N/M
Intangible assets and legal values 10 155 8 784 1 371 116%
Fixed tangible assets 3 518 1 851 1 668 190%
Other assets 2 316 55 2 261 4222%
Interim settlements 3 598 1 551 2 047 232%
         
Total Assets 1 174 342 808 093 366 249 145%
         
Liabilities        
Liabilities to financial sector 703 213 549 402 153 812 128%
Liabilities to non-financial sector 227 909 46 503 181 406 490%
Liabilities to State budget sector 15 050 0 15 050 N/M
Other liabilities due to financial instruments 1 692 0 1 692 N/M
Special funds and other liabilities 3 021 2 907 115 104%
Accrued and reserved expenses and revenues 7 808 4 364 3 444 179%
Reserves 3 728 1 341 2 387 278%
Stated capital 200 000 200 000 0 100%
Supplementary capital 3 577 2 813 764 127%
Profit (loss) brought forward 0 -1 472 1 472 0%
Net profit (loss) 8 343 2 236 6 107 373%
         
Total Liabilities 1 174 342 808 093 366 249 145%
         
Off-Balance Sheet 31.01.2005 31.01.2004 Period comparision Period comparision
  PLN 000' PLN 000' Δ Δ %
         
Contingent liabilities granted and received 1 371 668 950 739 420 930 144%
Liabilities granted 543 216 598 960 -55 744 91%
financial liabilities 265 026 392 277 -127 251 68%
guarantees 278 190 206 683 71 507 135%
Liabilities received 828 452 351 778 476 674 236%
financial liabilities 10 000 0 10 000 N/M
guarantees 818 452 351 778 466 674 233%
Commitments arising out of sale and repurchase transactions 6 735 3 342 3 393 202%
Other 542 143 257 841 284 302 210%
Total Off-Balance Sheet 1 920 546 1 211 921 708 625 158%


 

Profit and Loss Account 31.12.2004 31.12.2003 Period comparision Period comparision
  PLN 000' PLN 000' Δ Δ %
Revenues from interest 48 188 21 146 27 042 228%
Financial sector 9 907 6 976 2 931 142%
Non-financial sector 30 796 9 890 20 905 311%
State budget sector 840 178 662 471%
Fixed-yield securities 6 645 4 101 2 544 162%
         
Interest expense 23 327 5 337 17 990 437%
Financial sector 18 324 4 924 13 400 372%
Non-financial sector 4 816 413 4 403 1166%
State budget sector 187 0 187 N/M
         
Net interest 24 860 15 809 9 051 157%
Commissions receivable 5 897 1 435 4 462 411%
Commissions payable 459 166 292 276%
         
Net commissions 5 439 1 269 4 170 429%
         
Net financial transactions 681 -65 746 -1046%
         
Net foreign exchange 3 304 403 2 901 820%
         
Net banking operations 34 284 17 416 16 869 197%
Other operating income 1 329 2 322 -993 57%
Other operating costs 1 108 3 678 -2 570 30%
General costs of banking operations 21 802 10 837 10 965 201%
Depreciation of fixed assets, intangible assets and legal values 1 563 1 328 235 118%
Net reserves and revaluation -1 093 -466 -627 234%
         
Gross result (loss) 10 048 3 429 6 620 293%
Income tax 1 705 1 192 513 143%
Other charges decreasing the profit (increasing loss) 0 0 0 N/M
Net profit (loss) 8 343 2 236 6 107 373%

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