DOCSLIB.ORG

Idea Bank S.A. Capital Group Consolidated Financial Statements for the Year Ended 31.12.2019

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Idea Bank S.A. Capital Group Consolidated Financial Statements for the Year Ended 31.12.2019 IDEA BANK S.A. CAPITAL GROUP CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31.12.2019 Warsaw, 18 March 2020 SELECTED FINANCIAL DATA 01.01.2019- 01.01.2018- 01.01.2019- 01.01.2018- 31.12.2019 31.12.2018 31.12.2019 31.12.2018 Data on consolidated income statement (restated) (restated) PLN thousand PLN thousand EUR thousand EUR thousand Net interest income 549 295 526 025 127 691 123 280 Net fee and commission income 107 857 -247 767 25 073 -58 067 Profit (loss) before income tax -90 665 -1 451 575 -21 076 -340 193 Net profit (loss) -37 275 -1 910 552 -8 665 -447 759 Net profit (loss) attributable to shareholders of parent company -37 275 -1 910 552 -8 665 -447 759 Comprehensive income for the period -26 011 -1 925 417 -6 047 -451 243 Net cash flows -178 585 754 154 -41 514 176 744 31.12.2019 31.12.2018 31.12.2019 31.12.2018 Data on consolidated statement of financial position (restated) (restated) PLN thousand PLN thousand EUR thousand EUR thousand Total assets 17 323 307 20 389 564 4 067 936 4 741 759 Total equity 155 970 190 638 36 626 44 334 Equity attributable to shareholders of parent company 155 970 190 638 36 626 44 334 Share capital 156 804 156 804 36 821 36 466 Number of shares 78 401 981 78 401 981 78 401 981 78 401 981 Capital adequacy ratio 1,5% 2,1% 1,5% 2,1% Selected financial data containing basic items of the consolidated financial statements have been converted into euro according to the following rules: • Individual items of assets, liabilities and equity were converted at the average exchange rates published by National Bank of Poland as at 31 December 2019: 1 EUR = PLN 4.2585 and as at 31 December 2018 1 EUR = PLN 4.3000. • Individual items of the income statement and items related to statement of cash flows were converted at exchange rates representing the arithmetic mean of average exchange rates set by the National Bank of Poland on the last day of each month for the 12-month periods ended 31 December 2019 and 2018 (respectively 4.3018 PLN and 1 EUR = 4. 2669 PLN). 2/129 CONTENT I. CONSOLIDATED FINANCIAL STATEMANTS ...................................................................................................................... 4 1. CONSOLIDATED INCOME STATEMENT ............................................................................................................................ 4 2. CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME ....................................................................................... 5 3. CONSOLIDATED STATEMENT OF FINANCIAL POSITION ................................................................................................ 6 4. CONSOLIDATED STATEMENT OF CHANGES IN EQUITY ................................................................................................. 7 5. CONSOLIDATED STATEMENT OF CASH FLOWS ............................................................................................................. 9 II. ADDITIONAL NOTES AND EXPLANATIONS TO THE CONSOLIDATED FINANCIAL STATEMENTS .............................. 10 1. General information ............................................................................................................................................................ 10 2. Composition of the Group and associates ........................................................................................................................... 11 3. Composition of the Parent's Management Board and Supervisory Board ............................................................................ 14 4. Approval of the consolidated financial statements ............................................................................................................... 15 5. Major accounting policies .................................................................................................................................................... 15 6. Capital Requirements.......................................................................................................................................................... 47 7. Risk management in the Idea Bank Group .......................................................................................................................... 51 8. Segment reporting .............................................................................................................................................................. 85 9. Interest income and expenses ............................................................................................................................................ 89 10. Fee and commission income and expense.......................................................................................................................... 90 11. Dividend income ................................................................................................................................................................. 90 12. Result on financial instruments ........................................................................................................................................... 90 13. Foreign exchange result ...................................................................................................................................................... 91 14. Other operating income and expenses ................................................................................................................................ 91 15. General administrative costs ............................................................................................................................................... 92 16. Employee benefits .............................................................................................................................................................. 92 17. Impairment losses ............................................................................................................................................................... 93 18. Income tax .......................................................................................................................................................................... 95 19. Earnings per share .............................................................................................................................................................. 97 20. Dividend paid and proposed for payment ............................................................................................................................ 98 21. Cash and balances with Central Bank ................................................................................................................................. 98 22. Assets measured at amortised cost other than amounts due from clients ........................................................................... 99 23. Derivative financial instruments ........................................................................................................................................... 99 24. Hedge accounting ............................................................................................................................................................. 100 25. Amounts due from clients .................................................................................................................................................. 101 26. Finance lease receivables ................................................................................................................................................. 103 27. Other loans and receivables .............................................................................................................................................. 103 28. Financial assets measured at fair value through other comprehensive income ................................................................. 103 29. Investments in associates ................................................................................................................................................. 104 30. Intangible assets ............................................................................................................................................................... 105 31. Property, plant and equipment .......................................................................................................................................... 108 32. Investment property .......................................................................................................................................................... 109 33. Other assets ..................................................................................................................................................................... 110 34. Assets pledged as collateral .............................................................................................................................................. 110 35. Financial liabilities measured at amortized cost ................................................................................................................. 111 36. Other financial liabilities measured at fair value through profit or loss ................................................................................ 113 37. Other liabilities .................................................................................................................................................................. 114 38. Provisions
Load more

Recommended publications
  • The Mismatch Between the Maturity Structure of Bank Assets and Liabilities in Polish Listed Banks and the Polish Banking Sector: an Empirical Study
    PRACE NAUKOWE UNIWERSYTETU EKONOMICZNEGO WE WROCŁAWIU RESEARCH PAPERS OF WROCLAW UNIVERSITY OF ECONOMICS AND BUSINESS 2020, vol. 64, nr 9 ISSN 1899-3192 e-ISSN 2392-0041 Ivanna Chaikovska Jagiellonian University in Krakow e-mail: [email protected], [email protected] ORCID: 0000-0002-9425-2852 THE MISMATCH BETWEEN THE MATURITY STRUCTURE OF BANK ASSETS AND LIABILITIES IN POLISH LISTED BANKS AND THE POLISH BANKING SECTOR: AN EMPIRICAL STUDY DOI: 10.15611/pn.2020.9.02 JEL Classification: G21; G28; G32; K22. © 2020 Ivanna Chaikovska This work is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ Quote as: Chaikovska, I. (2020). The mismatch between the maturity structure of bank assets and liabilities in Polish listed banks and the Polish banking sector: An empirical study. Prace Naukowe Uniwersytetu Ekonomicznego we Wrocławiu, 64(9). Abstract: The purpose of the article is to identify the problem of the mismatch between the maturity structure of assets and liabilities of the Polish banking sector and Polish listed banks. The article analyzes the maturity balance sheet structure of the Polish banking sector in 2010 and 2019 and Polish listed banks in 2019. The results of this analysis indicate a significant mismatch in the maturity structure of assets and liabilities of Polish banks and the need for a significant reconstruction of the structure of liabilities in the direction of their extension. Furthermore, the results of the analysis identify the most and the least secure Polish listed banks in terms of mismatches in the maturity balance sheet structure, as well as banks with opposite trends in the maturity structure compared to the Polish banking sector.
    [Show full text]
  • Report of Bank Pekao S.A. Group for the First Quarter of 2021 Report on the Activities of Bank Pekao S.A
    Report of Bank Pekao S.A. Group for the first quarter of 2021 Warsaw, May 2021 This document is a free translation of the Polish original. Terminology current in Anglo-Saxon countries has been used where practicable for the purposes of this translation in order to aid understanding. The binding Polish original should be referred to in matters of interpretation. Report on the activities of Bank Pekao S.A. Group for the first quarter of 2021 This document is a free translation of the Polish original. Terminology current in Anglo-Saxon countries has been used where practicable for the purposes of this translation in order to aid understanding. The binding Polish original should be referred to in matters of interpretation. Warsaw, May 2021 Report on the activities of Bank Pekao S.A. Group for the first quarter of 2021 1. Highlights of Bank Pekao S.A. Group .............................................................................................................................................................................3 2. Highlights of Bank Pekao S.A. .........................................................................................................................................................................................4 3. Summary of Performance .................................................................................................................................................................................................5 4. External Activity Conditions .............................................................................................................................................................................................7
    [Show full text]
  • OA S.A. Fee Regulations
    Fee Regulations of the Online Arbitration S.A. 0 Fee Regulations (Appendix No. 1 to the Terms and Conditions for Provision of Electronic Services by Online Arbitration S.A. and Appendix No. 1 to the Terms and Conditions for Arbitrators of the Online Arbitration Court) § 1 List of Fees 1. The Administrator will collect the following fees: a) registration fee for opening User account in the Application, b) fee for proceedings before the Court, consisting of: administrative fee and arbitration fee in a 1:3 proportion, c) fee for the set-off claim, d) fee for issuing an additional copy of the ruling, e) fee for access to archived minutes from a closed case, f) fee for expert opinion. 2. The fees are to be paid to Administrator’s bank account, by bank transfer or through the online payment system in the Application. The payment system is provided by eCard S.A. § 2 Amounts of Fees for Proceedings before the Court and of the Fee for the Set-off Claim. 1. The base rate of the fee for proceedings before the Court will be calculated accordingly to the value of the dispute, i.e.: a) up to 2 200 EUR: 276 EUR, b) from 2 201 EUR to 4 500 EUR: 133 EUR and 6,5% of the value of the dispute (not less than 143 EUR), c) from 4 501 EUR to 11 500 EUR: 430 EUR and 4,0% of the amount over 4 500 EUR, d) from 11 501 EUR to 23 200 EUR: 444 EUR and 3,8% of the amount over 4 500 EUR, e) from 23 201 EUR to 232 500 EUR: 1155 EUR and 2% of the amount over 23 200 EUR, f) from 232 501 EUR to 2 325 600 EUR: 5341 EUR and 0,27% of the amount over 232 1 500 EUR, g) from 2 325 601 EUR: 10 922 EUR and 0,3% of the amount over 2 325 600 EUR.
    [Show full text]
  • Towards Sustainability in E-Banking Website Assessment Methods
    sustainability Article Towards Sustainability in E-Banking Website Assessment Methods Witold Chmielarz and Marek Zborowski * Faculty of Management, University of Warsaw, Krakowskie Przedmie´scie26/28, 00-927 Warsaw, Poland; [email protected] * Correspondence: [email protected] Received: 23 June 2020; Accepted: 24 August 2020; Published: 27 August 2020 Abstract: Nowadays, banking services have evolved from offline financial services to online platforms available in the form of websites and mobile applications. While multiple methods exist for evaluation of generic-purpose websites, the appraisal of banking services requires a more sophisticated approach. Multiple factors need to be taken into consideration, revolving not only around technical and usability aspects of the sites, but also considering the economic and anti-crisis factors. Moreover, due to the fact that one of the groups of people interested in banking services assessment are potential clients, which might or might not be technically and theoretically literate, a sustainable approach to banking services evaluation is needed. The main contribution of this paper is a sustainable approach balancing the evaluation accuracy with usage simplicity and computational complexity of evaluation methods. Also, a reference model for banking services evaluation is provided. In practical terms, a set of all significant commercial banking services in Poland is assessed. Last, but not least, a preliminary study of practical applicability of various evaluation methods amongst computer-literate banking clients is performed. Keywords: internet banking; website evaluations; multi-criteria evaluation methods 1. Introduction One of the most important problems associated with bank management at present is how to maintain the existing clients and how to acquire new ones.
    [Show full text]
  • A PKO-PEO Merger
    Wednesday, December 11, 2019 | special comment Banks - A PKO-PEO Merger: Revisiting The Idea PEO PW; PKO PW | Banks, Poland Analysts: Michał Konarski +48 22 438 24 05, Mikołaj Lemańczyk +48 22 438 24 07 Inspired by the holiday shopping rush, and, perhaps Largest European banks by assets more importantly, by a radio interview yesterday in (EUR bn, 2018 statistics) which State Assets Minister, Jacek Sasin, cited the consolidation of 'companies from the same or similar HSBC HOLDINGS PL sectors' to create 'local champions' able to compete BNP PARIBAS with top European players, as the direction he wanted CREDIT AGRICOLE BANCO SANTANDER to follow, we decided to revisit the possibility of a DEUTSCHE BANK-RG merger between Poland's two largest banks, Pekao SOC GENERALE SA and PKO BP. The first time we considered such a union BARCLAYS PLC LLOYDS BANKING and put it forward as an interesting idea from the point ING GROEP NV of view of financial markets was in our banking sector UBS GROUP AG update last year, but we feel that our arguments have UNICREDIT SPA since become even more compelling looking at the INTESA SANPAOLO ROYAL BK SCOTLAN current valuations of both banks and given market CREDIT SUISS-REG timing. Below, we argue in ten short points that a tie- BBVA up of PKO with PEO would benefit both sets of minority STANDARD CHARTER NORDEA BANK ABP shareholders, as well as state finances. NATIXIS DANSKE BANK A/S 1. The merged PKO BP would have total assets of COMMERZBANK PLN 543 billion (EUR 126 billion), a loan book of SBERBANK PLN 369bn, and a deposit base of PLN 407bn.
    [Show full text]
  • Introduction
    #0# EJSM Vol. 25, 1/2018, ISSN: 2450-8535 | www.wnus.edu.pl/ejsm | DOI: 10.18276/ejsm.2018.25-03 | 23–29 SOCIAL MEDIA IN THE MARKETING COMMUNICATION OF POLISH BANKS Agnieszka Budziewicz-Guźlecka,1 Mariusz Woźniakowski2 1 University of Szczecin, POLAND e-mail: [email protected] 2 University of Lodz, POLAND e-mail: [email protected] Received 27 November 2017 Accepted 5 January 2018 JEL classification G21, M35, O16, O35 Keywords social media, banks, marketing communication, Internet communication Abstract Social media are one of the most flexible and dynamic tools of the Internet, which stems from the fact that they offer bidirectional communication. They enable banks to individualize the process of marketing communication and conduct the kind of communication with clients on the market that resembles a dialog. The aim of this article is to identify social media in the marketing communication of banks in Poland. This article presents the essence of these media to subsequently focus on the role of social media in the activity of banks. It also verifies the scope of using social media by major banks. Further, it analyzes the contents of websites and social media profiles of the banks included on „The 500 List” („Lista 500”) of the largest Polish businesses. The list features 19 banks. This particular ranking has been applied due to the fact that large banks often pioneer the imple- mentation of new methods of communication, including the use of social media. They also have appropriate resources to conduct communication activities on a large scale. The results of the analysis of website contents and social media profiles of banks have been presented in the article.
    [Show full text]
  • A Resolution of Idea Bank
    Wednesday, September 23, 2020 | special comment A Resolution of Idea Bank – Implications and Potential Consequences Idea Bank (IDA PW) Getin Noble Bank (GNB PW) Analysts: Michał Konarski +48 22 438 24 05, Mikołaj Lemańczyk +48 22 438 24 07 Idea Bank, the troubled unit of the listed financial Under the resolution mechanism, the BFG will take over Group Getin Holding, owned by businessman Leszek management of a bank as a temporary administrator with Czarnecki, has run into one stumbling block after powers to take the following action: another on its path to develop an actionable recovery ▪ Bail in the threatened entity, plan. The bank is clashing with its temporary ▪ Establish a bridge institution, administrator, the Deposit Guarantee Fund Supervisor BFG, after the latter rejected a motion to sell shares in ▪ Write down or convert the obligations of the threatened the Idea Money unit to a foundation run by the entity, and/or Czarnecki family. ▪ Transfer low-quality assets to a special institution. Idea Bank comes short of fulfilling the minimum Where a bank's resolution requires the deployment of BFG requirements under the EU's Capital Requirements funding, that bank's shares will be sold or its debts converted Regulation (CRR), and the current low interest rates to equity if there is a need to recapitalize. This ensures that are not helping. the bank's owners and creditors bear the costs of the bank's failure in the first instance. On top of everything, Polish prosecutors are seeking an arrest warrant against Mr. Czarnecki in connection Two Polish Resolution Cases with the GetBack scandal, and if their request is We have had two resolution cases so far in Poland: the BFG granted by a court, some time next month, this could initiated resolution against Podkarpacki Bank Spółdzielczy further complicate Idea Bank's circumstances.
    [Show full text]
  • Management Board Report on the Activity of Bank Millennium and Capital Group of Bank Millennium for 2020
    Management Board Report on the activity of Bank Millennium and Capital Group of Bank Millennium for 2020 This document is a translation from the original Polish version. In case of any discrepancies between the Polish and English versions, the Polish version shall prevail. Management Board Report on activity of Bank Millennium 2 and Capital Group of Bank Millennium Group for 2020 TABLE OF CONTENTS 1. BRIEF DESCRIPTION OF BANK MILLENNIUM GROUP .......................................................... 5 2. HIGHLIGHTS OF RESULTS AND ACHIEVEMENTS IN 2020 ..................................................... 8 2.1. SUMMARY OF CONSOLIDATED GROUP RESULTS IN 2020 ........................................................... 8 2.2. MAIN AWARDS AND ACHIEVEMENTS IN 2020 .................................................................... 10 4. INFORMATION FOR INVESTORS ............................................................................... 14 4.1. SHARE PRICE PERFORMANCE .................................................................................... 14 4.2. BANK MILLENNIUM’S RATINGS .................................................................................. 15 4.3. INVESTOR RELATIONS ........................................................................................... 15 4.4. DIVIDEND POLICY ............................................................................................... 17 5. MARKET CONDITIONS AND BUSINESS PROSPECTS .......................................................... 18 5.1. MACROECONOMIC ENVIRONMENT
    [Show full text]
  • An Assessment of Bank Safety of the Polish Listed Banks Based on the Integrated Index for Bank Safety: Empirical Study.Ekonomia I Prawo
    EKONOMIA I PRAWO. ECONOMICS AND LAW Volume 20, Issue 1, March 2021 p-ISSN 1898-2255, e-ISSN 2392-1625 www.economicsandlaw.pl ORIGINAL ARTICLE received 15.09.2021; revised 20.03.2021; accepted 31.03.2021 Citation: Chaikovska, I. (2021). An assessment of bank safety of the Polish listed banks based on the integrated index for bank safety: empirical study. Ekonomia i Prawo. Economics and Law, 20(1): 45–61. doi:10.12775/EiP.2021.003. An assessment of bank safety of the Polish listed banks based on the integrated index for bank safety: empirical study IVANNA CHAIKOVSKA Jagiellonian University in Kraków, Faculty of Management and Social Communication, Institute of Economics, Finance and Management, ul. prof. St. Łojasiewicza 4, 30-348 Kraków, Poland [email protected] orcid.org/0000-0002-9425-2852 Abstract Motivation: Safety is a key requirement in banking operations. However, it is difficult to maintain and measure through the significant variety and number of the determining factors. No uniform safety measure has been introduced so far that would allow to deter- mine the level of safety and answer the question whether a bank is safe. Aim: The aim of this paper is to parameterize the bank safety level from the perspective of internal determinants. For this purpose, the author proposes a new synthetic meas- ure — an integrated index for bank safety (IIBS index), which is universal and allows for an assessment of the bank safety level in terms of capital adequacy, liquidity situation, degree of financial leverage and the size of capital buffers.
    [Show full text]
  • Introduction
    #0# EJSM Vol. 28/1, 4/2018, ISSN: 2450-8535 | www.wnus.edu.pl/ejsm | DOI: 10.18276/ejsm.2018.28/1-05 | 39–48 INFOR MATION AND COMMUNICATION TECHNOLOGIES (ICT) IN BANKING SECTOR Agnieszka Budziewicz-Guźlecka,1 Mariusz Woźniakowski2 1 University of Szczecin, Faculty of Management and Economics Services, POLAND e-mail: [email protected] 2 University of Lodz, Faculty of Management, POLAND e-mail: [email protected] Received 6 November 2018 Accepted 3 December 2018 JEL classification G21, O16, O35 Keywords ICT, information, bank, Internet communication, social media Abstract Information transformation has its source in the development of information technologies including software, social networks, data resources and the collection and dissemination of information. Technology also affects banks. The aim of the article is an attempt to recognize the use of modern tools by commercial banks operating in Poland. The conducted analysis showed to what extent banks in Poland use selected solutions of modern technologies. Introduction Information transformation has its source in the development of information technologies including software, social networks, data resources and the collection and dissemination of information. Thus, information and communication technology has become a key determinant of development and ensuring competitiveness also for banks (Radnan, Purba, 2016, p. 283). Banks have a wide range of possibilities to use modern tools. The aim of the European Journal of Service Management Vol. 28/1 39 Agnieszka Budziewicz-Guźlecka, Mariusz Woźniakowski article is an attempt to recognize the use of modern tools by commercial banks operating in Poland. The article presents the following research hypothesis – banks operating in Poland actively use tools that fit into the concept of modern technologies.
    [Show full text]
  • Raport Rynek Akcji
    Raport Rynek Akcji środa, 20 listopada 2019, 08:41 Sytuacja rynkowa Główne indeksy światowe Główne indeksy w Stanach Zjednoczonych zakończyły wzrostową passę, jedynie NASDAQ wartość zm% 1D poszedł lekko w górę. Jeśli chodzi o sytuację panującą w spółkach to Home Depot tracił ze względu na niższą niż oczekiwano dynamikę przyrostu sprzedaży. Boeing odbił, bowiem DAX 13 221,1 0,1 podczas Dubai Airshow podpisał umowę na dostawę 50 samolotów 737 Max. Broadcom CAC40 5 909,1 -0,3 zyskiwał dzięki zmianie nastawienia przez Morgan Stanley do waloru. W centrum uwagi FTSE100 7 323,8 0,2 inwestorów są niezaprzestanie relacje na linii USA-Chiny. Na rynek trafiają informacje, że mini deal może zostać zawarty przed świętami Bożego Narodzenia. Korporacje wywierają BUX 43 618,8 -0,6 nacisk na prezydenta D. Trumpa, by ten zdecydował o dalszych krokach strategicznych w S&P500 3 120,2 -0,1 toczonej wojnie handlowej, aby ustabilizować swoje działanie. Wróciła na nowo wizja podniesienia ceł 15 grudnia w razie gdyby strony nie zdążyły się dogadać do tego czasu. Z DJIA 27 934,0 -0,4 danych makro, wczorajsze odczyty z rynku nieruchomości za październik w USA wypadły SHC* 2 913,4 -0,7 lepiej niż zakładano (pozwolenia na budowę na poziomie 1461 tys., rozpoczęte budowy NASDAQ 8 570,7 0,2 domów 1314 tys.). Dzisiaj opublikowane zostaną „minutki” Fed. Nawiązując do sytuacji panującej w Europie, spółki motoryzacyjne miały powód do wzrostów, bowiem w BOVESPA 105 864,2 -0,4 październiku sprzedaż samochodów w Europie wzrosła o 8,6%. NIKKEI* 23 148,6 -0,6 Na polskiej giełdzie panowały raczej negatywne nastroje, za wyjątkiem średnich spółek.
    [Show full text]
  • Idea Bank 2015.Pdf
    Rozumiemy Twój Biznes We Do Understand Your Business Raport roczny Annual report 2015 2015 Rozumiemy Twój Biznes We Do Understand Your Business 4 | Spis treści O nas About us 08 List Prezesa Zarządu A letter of the President of the Management Board Misja i strategia Zarząd i struktura Mission and strategy Management and structure 14 Innowacje Idea Banku 22 Zarząd Idea Banku Idea Bank’s Innovations Management Board of Idea Bank 16 O Idea Banku About Idea Bank 26 Struktura Grupy Idea Banku Idea Bank Group Structure 17 Strategia Strategy 27 Akcjonariusze Idea Bank Shareholders 18 Nagrody dla Idea Banku Awards for Idea Bank Table of Contents | 5 Wydarzenia Wyniki finansowe Events Financial results 30 Istotne wydarzenia 36 Rachunek zysków i strat w 2015 r. oraz bilans Significant events Profit & Loss Account in 2015 and Balance Sheet 32 Podsumowanie 2015 r. Summary of 2015 Rozumiemy Twój Biznes We Do Understand Your Business O nas Idea Bank to dynamicznie rozwijający się, innowacyjny i konkurencyjny na polskim rynku usług finansowych bank, którego oferta skierowana jest przede wszystkim do przedsiębiorców. About us Idea Bank is a dynamically growing and innovative bank that is competitive on the Polish financial market and offers its services primarily to entrepreneurs. Idea Hub to jeden z innowacyjnych projektów Idea Banku, nagrodzonych w rankingach i konkursach o międzynarodowym zasięgu. Idea Hub is one of the innovative Idea Bank’s projects, awarded in rankings and competitions on an international scale. O NAS 8 | O nas IDEA BANK RAPORT ROCZNY 2015 8 IDEA BANK RAPORT ROCZNY 2015 About us | 9 List A letter of Prezesa the President Zarządu of the Board Rok 2015 był udany dla Grupy Idea 2015 was a successful year for Banku, czego potwierdzeniem są the Idea Bank Group, which is bardzo dobre wyniki finansowe.
    [Show full text]