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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. confirmed by very good financial Był to dla nas rok wyjątkowy: staliśmy results. It was a special year for się spółką publiczną, a walory us: we became a public Idea Banku zadebiutowały na company and Initial Public Giełdzie Papierów Wartościowych Offering took place on w Warszawie. April 16 last year. Pierwsze notowanie praw do akcji nastąpiło 16 kwietnia It is worth noting that the shares of Idea Bank became one 2015 r. Warto zauważyć, że akcje Idea Banku stały się of the most stable banking assets, which contributed to a jednymi z najbardziej stabilnych walorów bankowych, co growing interest in the company from investors. przyczyniło się do rosnącego zainteresowania spółką ze strony inwestorów. Referring to the financial results, earned by the Group in 2015, I would like to pay special attention to the increase in net Odnosząc się do wyników finansowych wypracowanych przez interest income, which is a consequence of active sales and Grupę w roku 2015, chciałbym zwrócić szczególną uwagę efficient management of the financing cost. As a result, net na wzrost wyniku odsetkowego, który jest konsekwencją interest income of the Idea Bank Group increased, relative to aktywnej sprzedaży oraz skutecznego zarządzania kosztem 2014 by 14%, achieving PLN 383,9 million. The Group was finansowania. W efekcie wynik odsetkowy Grupy Idea Banku successfully reducing the financing cost, which at the end of wzrósł względem 2014 r. o 14,0% i osiągnął 383,9 mln zł. December amounted to 0.8%, while striving to improve the Grupa sukcesywnie obniżała koszt finansowania, który profitability of the loan portfolio. na koniec grudnia wyniósł 0,8%, dążąc równocześnie do poprawy rentowności portfela kredytowego. Group’s net income reached PLN 312 million for the year 2015, compared to PLN 241 million for the year 2014. Wynik netto Grupy osiągnął poziom 312 mln zł za rok 2015 Additional burdens, resulting from contributions to the Fund w porównaniu z 241 mln zł za 2014 r. Negatywny wpływ na for Guaranteed Deposits in the amount of PLN 24 million and wynik netto miały dodatkowe obciążenia wyniku kosztami Fund Supporting Credit Loans (FWK) – PLN 3 million, had a w IV kw. 2015 r. wynikającymi ze składek na Bankowy negative impact on the net income in Q4. Fundusz Gwarancyjny w wysokości 24 mln zł oraz Fundusz Wsparcia Kredytobiorców w wysokości 3 mln zł. Wart It is also important to note that fee income, which in 2015 podkreślenia jest też wzrost wyniku prowizyjnego, który reached PLN 388.0 million was 20.4% higher than in 2014. w 2015 r. osiągnął poziom 388 mln zł i był o 20,4% wyższy It was the result of the improvement of sales efficiency and niż w 2014 r. Było to spowodowane poprawą efektywności diversification of income sources, mainly due to factoring 10 | O nas IDEA BANK RAPORT ROCZNY 2015 sprzedaży, a także dywersyfikacją źródeł przychodów, products and brokerage of investment and insurance głównie dzięki produktom faktoringowym oraz pośrednictwu products. The Group’s results are even more gratifying since w sprzedaży produktów inwestycyjnych i ubezpieczeniowych. 2015 was particularly difficult for the banking sector, due Wyniki Grupy są tym bardziej satysfakcjonujące, że rok 2015 to the market environment, as well as new and unplanned był dla sektora bankowego wyjątkowo trudny, jeśli uwzględnić financial burdens. otoczenie rynkowe, jak również nowe i nieplanowane obciążenia finansowe. Idea Bank shows safe levels of capital and own funds. At the end of 2015 the capital adequacy ratio (CAR) stood at 16.5 % Idea Bank wykazuje bezpieczne poziomy kapitałów i funduszy against 13.5 % at the end of the previous year. własnych. Na koniec 2015 r. współczynnik wypłacalności (CAR) ukształtował się na poziomie 16,5% wobec 13,5% na Growing risk-weighted assets (RWA, which at the end of koniec poprzedniego roku. Rosnące aktywa ważone ryzykiem 2015 reached PLN 9,7 billion) are the result of a quick, since (RWA, które pod koniec 2015 r. osiągnęły poziom 9,7 mld zł) more than PLN 3,8 billion, increase in total assets of the Bank, są efektem szybkiego, bo o ponad 3,8 mld zł, przyrostu which resulted from the record sales level. sumy bilansowej Banku, wynikającego z rekordowego poziomu sprzedaży. The effectiveness of the Group’s activity is noticeable also by the significant increase in the number of customers, which Skuteczność działania Grupy zauważalna jest także poprzez consists of: 15,5 thousand new borrowers, 12,0 thousand znaczący przyrost liczby klientów, na który składają się: new customer deposits and 55,3 thousand new savings and 15,5 tys. nowych kredytobiorców, 12 tys. nowych klientów checking accounts (ROR) holders. depozytowych oraz 55,3 tys. nowych posiadaczy ROR. 2015 r. był też rekordowy pod względem liczby i rangi 2015 was a record year in terms of the number and prestige przyznanych naszej organizacji nagród i zwycięstw of received by our organization awards and victories in the w rankingach na całym świecie. rankings all over the world. Idea Bank S.A. was recognized as ‟The Best Corporate Bank” by Forbes Magazine. The Bank Idea Bank S.A. został uznany za „Najlepszy bank dla firm” ranked first in terms of the pace of development in ‟Gwiazdy w rankingu magazynu „Forbes”. Zajął pierwsze miejsce Bankowości” developed by ‟Dziennik Gazeta Prawna’’ in pod względem tempa rozwoju w rankingu „Gwiazdy partnership with PwC. The third quarter brought the Idea Bankowości” opracowanym przez „Dziennik Gazetę Prawną” Bank also awards in international competitions: The European w partnerstwie z PwC. Trzeci kwartał przyniósł Idea Bankowi Business Award, Stevie Award, Best in Biz, Global Business także wygrane w zagranicznych konkursach: European Excellence Award. Business Awards, Stevie Awards, Best in Biz, Global Business Excellence Awards. I kindly invite you Zapraszam do lektury! to read the report. Z wyrazami szacunku Sincerely, Jarosław Augustyniak Jarosław Augustyniak Prezes Zarządu Idea Bank S.A. President of the Board, Idea Bank S.A. IDEA BANK ANNUAL REPORT 2015 About us | 11 Misja i strategia Idea Bank stworzono, aby wspomagać osoby przedsiębiorcze w realizacji ich marzeń o własnym biznesie. Służymy pomocą przy rozwijaniu działalności mikro, małym i średnim przedsiębiorcom. Mission and strategy Idea Bank was created to assist the entrepreneurs to realize their dreams of own business. We strive to support the growth of micro, small and medium-sized businesses. Paweł Suchocki, dyrektor zarządzający agencji zintegrowanej komunikacji marketingowej Buzz, uczestnik programu Idea Banku „Duma Przedsiębiorcy”. Pawel Suchocki, managing director of integrated marketing communications agency Buzz, a participant of the Idea Bank’s ”Pride of Entrepreneur” program. 14 | Misja i strategia IDEA BANK RAPORT ROCZNY 2015 Innowacje Idea Banku 4 miasta 13 miast 35 stanowisk pracy 18 samochodów Idea Hub – kreatywna przestrzeń dla biznesu. Innowacyjna Mobilny Wpłatomat – jedyna w Polsce tego typu mobilna placówka coworkingowa, miejsce przyjazne przedsiębiorcy usługa odbioru gotówki. Przedsiębiorca za pomocą aplikacji i w całości oddane do jego dyspozycji. To przestrzeń, w której na telefon komórkowy może zamówić wyposażony we właściciel firmy może spokojnie popracować, spotkać się wpłatomat samochód Idea Banku, który przyjedzie do niego z kontrahentem, napić się kawy, przeczytać prasę, a nawet o wyznaczonej godzinie pod wskazany adres. wynająć salkę konferencyjną na szkolenia. 151 000 klientów 170 uczestników Idea Cloud – internetowa platforma do zarządzania firmą „Duma Przedsiębiorcy” – realizowany od 2012 r. przez Idea oferująca klientom usługi bankowe oraz księgowe za Bank program promocji klientów prowadzących mikrofirmy. pośrednictwem internetu, smartfona i tabletu. Serwis W jego ramach Idea Bank organizuje i finansuje profesjonalne umożliwia też kontakt on-line z profesjonalnym doradcą kampanie reklamowe tych firm, a następnie zamieszcza je w dowolnej formie: chat, audio lub wideo. w telewizji, prasie i w internecie. IDEA BANK ANNUAL REPORT 2015 Mission and structure | 15 Idea Bank’s Innovations 4 cities 13 cities 35 workplaces 18 cars Idea Hub – a creative space for business. Innovative A Mobile Cash Deposit Machine (CDM) – the only mobile co-working space facility, a place friendly to entrepreneurs service in Poland enabling customers to deposit cash. and dedicated to their needs.
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