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mBank S.A. — Audit Report / Information 2024
Feb 28, 2025
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- title: mBank_sprawozdanie_z_badania_2024_Bank
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Dla Walnego Zgromadzenia i Rady Nadzorczej
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Dla Walnego Zgromadzenia i Rady Nadzorczej
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- td (style="vertical-align:top;width:462.05pt;padding:0cm 5.4pt 0cm .05pt;
height:8.5pt")
- tr (style="
height:8.5pt")
- tbody
- p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom:
0cm;margin-left:0cm;line-height:normal")
- span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Przeprowadziliśmy badanie załączonego rocznego jednostkowego sprawozdania finansowego mBank S.A. („Bank”), które zawiera:
- p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;")
- span (style="font-family:"Arial",sans-serif;color:black")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): jednostkowe sprawozdanie z sytuacji finansowej na dzień 31 grudnia 2024 r.;
- span (style="font-family:"Arial",sans-serif;color:black")
- p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;
margin-left:0cm;line-height:normal")
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): sporządzone za rok obrotowy od 1 stycznia do 31 grudnia 2024 r.:
- p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;")
- span (style="font-family:"Arial",sans-serif;color:black")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): jednostkowy rachunek zysków i strat;
- span (style="font-family:"Arial",sans-serif;color:black")
- p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;")
- span (style="font-family:"Arial",sans-serif;color:black")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): jednostkowe sprawozdanie z całkowitych dochodów;
- span (style="font-family:"Arial",sans-serif;color:black")
- p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;")
- span (style="font-family:"Arial",sans-serif;color:black")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): jednostkowe sprawozdanie ze zmian w kapitale własnym;
- span (style="font-family:"Arial",sans-serif;color:black")
- p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;")
- span (style="font-family:"Arial",sans-serif;color:black")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): jednostkowe sprawozdanie z przepływów pieniężnych;
- span (style="font-family:"Arial",sans-serif;color:black")
- p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;
margin-left:0cm;line-height:normal")
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): oraz
- p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;")
- span (style="font-family:"Arial",sans-serif;color:black")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): noty objaśniające do sprawozdania finansowego zawierające opis przyjętych zasad rachunkowości i inne informacje objaśniające („informacja dodatkowa”)
- span (style="font-family:"Arial",sans-serif;color:black")
- p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;
margin-left:0cm;line-height:normal")
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): („jednostkowe sprawozdanie finansowe”).
- p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom:
0cm;margin-left:0cm;line-height:normal")
- span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Naszym zdaniem, załączone jednostkowe sprawozdanie finansowe Banku:
- p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;")
- span (style="font-family:"Arial",sans-serif;color:black")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): przedstawia rzetelny i jasny obraz sytuacji majątkowej i finansowej Banku na dzień 31 grudnia 2024 r., finansowych wyników działalności oraz przepływów pieniężnych za rok obrotowy zakończony tego dnia, zgodnie z Międzynarodowymi Standardami Sprawozdawczości Finansowej zatwierdzonymi przez Unię Europejską („MSSF UE”) oraz przyjętymi zasadami (polityką) rachunkowości;
- span (style="font-family:"Arial",sans-serif;color:black")
- p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;")
- span (style="font-family:"Arial",sans-serif;color:black")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): jest zgodne, we wszystkich istotnych aspektach, co do formy i treści z obowiązującymi Bank przepisami prawa oraz statutem Banku;
- span (style="font-family:"Arial",sans-serif;color:black")
- p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;")
- span (style="font-family:"Arial",sans-serif;
color:black")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black"): zostało sporządzone, we wszystkich istotnych aspektach, na podstawie prawidłowo prowadzonych ksiąg rachunkowych, zgodnie z przepisami rozdziału 2 ustawy z dnia 29 września 1994 r. o rachunkowości („ustawa o rachunkowości”).
- span (style="font-family:"Arial",sans-serif;
color:black")
- p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom:
0cm;margin-left:0cm;line-height:normal")
- div (class="Footer Footer1")
- div
- table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;;margin-left:-5.7pt;border:none;")
- tbody
- tr (style="height:5.65pt;")
- td (style="vertical-align:top;width:255.1pt;border:none;border-top:solid #00338D 1.0pt;
padding:0cm 5.4pt 0cm 5.4pt;height:5.65pt;")
- p (class="MsoFooter", style="line-height:6pt;;")
- span (style="font-size:6.0pt;font-family:"Arial",sans-serif; color:black")
- p (class="MsoFooter", style="line-height:6pt;;")
- td (style="vertical-align:top;width:130.4pt;border:none;border-top:solid #00338D 1.0pt;
padding:0cm 5.4pt 0cm 5.4pt;height:5.65pt;")
- p (class="MsoFooter", style="line-height:6pt;;")
- span (style="font-size:6.0pt;font-family:"Arial",sans-serif; color:black")
- p (class="MsoFooter", style="line-height:6pt;;")
- td (style="vertical-align:top;width:70.85pt;border:none;border-top:solid #00338D 1.0pt;
padding:0cm 5.4pt 0cm 5.4pt;height:5.65pt;")
- p (class="MsoFooter", style="line-height:6pt;;")
- span (style="font-size:6.0pt;font-family:"Arial",sans-serif; color:black")
- p (class="MsoFooter", style="line-height:6pt;;")
- td (style="vertical-align:top;width:255.1pt;border:none;border-top:solid #00338D 1.0pt;
padding:0cm 5.4pt 0cm 5.4pt;height:5.65pt;")
- tr (style="height:9.9pt")
- td (style="vertical-align:top;width:255.1pt;padding:0cm 5.4pt 0cm 5.4pt;
height:9.9pt")
- p (class="MsoFooter", style="font-size:6pt;line-height:6pt;;")
- span (style="font-size:6.0pt;font-family:"Arial",sans-serif; color:black"): KPMG Audyt spółka z ograniczoną odpowiedzialnością sp.k.
- p (class="MsoFooter", style="font-size:6pt;line-height:6pt;;")
- td (style="vertical-align:top;width:130.4pt;padding:0cm 5.4pt 0cm 5.4pt;
height:9.9pt")
- p (class="MsoFooter", style="line-height:6pt;;")
- span (style="font-size:6.0pt;font-family:"Arial",sans-serif; color:black")
- p (class="MsoFooter", style="line-height:6pt;;")
- td (style="vertical-align:top;width:70.85pt;padding:0cm 5.4pt 0cm 5.4pt;
height:9.9pt")
- p (class="MsoFooter", style="line-height:6pt;;")
- span (style="font-size:6.0pt;font-family:"Arial",sans-serif; color:black")
- p (class="MsoFooter", style="line-height:6pt;;")
- td (style="vertical-align:top;width:255.1pt;padding:0cm 5.4pt 0cm 5.4pt;
height:9.9pt")
- tr
- td (style="vertical-align:top;width:255.1pt;padding:0cm 5.4pt 0cm 5.4pt")
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black"): ul. Inflancka 4A, 00-189 Warszawa, Polska
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black"): tel. +48 (22) 528 11 00, fax +48 (22) 528 10 09, [email protected]
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- td (style="vertical-align:top;width:130.4pt;padding:0cm 5.4pt 0cm 5.4pt")
- p (class="MsoFooter", style="line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black")
- p (class="MsoFooter", style="line-height:6pt;;")
- td (style="vertical-align:top;width:70.85pt;padding:0cm 5.4pt 0cm 5.4pt")
- p (class="MsoFooter", style="line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black")
- p (class="MsoFooter", style="line-height:6pt;;")
- td (style="vertical-align:top;width:255.1pt;padding:0cm 5.4pt 0cm 5.4pt")
- tr (style="height:5.65pt;")
- td (style="vertical-align:top;width:255.1pt;padding:0cm 5.4pt 0cm 5.4pt;
height:5.65pt;")
- p (class="MsoFooter", style="line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black")
- p (class="MsoFooter", style="line-height:6pt;;")
- td (style="vertical-align:top;width:130.4pt;padding:0cm 5.4pt 0cm 5.4pt;
height:5.65pt;")
- p (class="MsoFooter", style="line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black")
- p (class="MsoFooter", style="line-height:6pt;;")
- td (style="vertical-align:top;width:70.85pt;padding:0cm 5.4pt 0cm 5.4pt;
height:5.65pt;")
- p (class="MsoFooter", style="line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black")
- p (class="MsoFooter", style="line-height:6pt;;")
- td (style="vertical-align:top;width:255.1pt;padding:0cm 5.4pt 0cm 5.4pt;
height:5.65pt;")
- tr
- td (style="vertical-align:top;width:255.1pt;padding:0cm 5.4pt 0cm 5.4pt")
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black"): KPMG Audyt Spółka z ograniczoną odpowiedzialnością sp.k., polska spółka komandytowa
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black"): i członek globalnej organizacji KPMG składającej się z niezależnych spółek członkowskich
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black")
- span stowarzyszonych z KPMG International Limited, prywatną spółką angielską z odpowiedzialnością
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black")
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black"): ograniczoną do wysokości gwarancji.
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- td (style="vertical-align:top;width:130.4pt;padding:0cm 5.4pt 0cm 5.4pt")
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black"): Spółka zarejestrowana w Sądzie Rejonowym
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black"): dla m.st. Warszawy, XII Wydział Gospodarczy
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black"): Krajowego Rejestru Sądowego.
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- td (style="vertical-align:top;width:70.85pt;padding:0cm 5.4pt 0cm 5.4pt")
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black"): KRS 0000339379
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black"): NIP: 527-26-15-362
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
- span (style="font-size:5.0pt;font-family:"Arial",sans-serif; color:black"): REGON: 142078130
- p (class="MsoFooter", style="font-size:5pt;line-height:6pt;;")
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- tr
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- p (class="MsoFooter")
- span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black")
- p (class="MsoFooter")
- td (style="vertical-align:top;width:130.4pt;padding:0cm 5.4pt 0cm 5.4pt")
- p (class="MsoFooter")
- span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black")
- p (class="MsoFooter")
- td (style="vertical-align:top;width:70.85pt;padding:0cm 5.4pt 0cm 5.4pt")
- p (class="MsoFooter", style="font-size:10pt;text-align:right")
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black")
- span: 1
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black")
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black")
- p (class="MsoFooter", style="font-size:10pt;text-align:right")
- td (style="vertical-align:top;width:255.1pt;padding:0cm 5.4pt 0cm 5.4pt")
- tr (style="height:5.65pt;")
- tbody
- p (class="MsoFooter")
- span (style="font-size:1.0pt;")
- table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;;margin-left:-5.7pt;border:none;")
- div
- div (class="Header Header1")
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- div (class="Header Header2")
- div
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- tbody
- tr (style="
height:9.9pt")
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height:9.9pt")
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- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Niniejsza opinia jest spójna z naszym sprawozdaniem dodatkowym dla Komisji ds. Audytu, które wydaliśmy dnia 26 lutego 2025 r.
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height:8.5pt")
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height:8.5pt")
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3.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid")
- b
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:white"): Podstawa opinii
- b
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3.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid")
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height:8.5pt")
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height:8.5pt")
- tbody
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0cm;margin-left:0cm;line-height:normal")
- span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Nasze badanie przeprowadziliśmy stosownie do postanowień:
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•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Krajowych Standardów Badania w brzmieniu Międzynarodowych Standardów Badania przyjętych przez Krajową Radę Biegłych Rewidentów oraz Radę Polskiej Agencji Nadzoru Audytowego („KSB”);
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- span (style="font-family:"Arial",sans-serif;color:black")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): ustawy z dnia 11 maja 2017 r. o biegłych rewidentach, firmach audytorskich oraz nadzorze publicznym („ustawa o biegłych rewidentach”); oraz
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- span (style="font-family:"Arial",sans-serif;color:black")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): rozporządzenia Parlamentu Europejskiego i Rady (UE) nr 537/2014 z dnia 16 kwietnia 2014 r. w sprawie szczegółowych wymogów dotyczących ustawowych badań sprawozdań finansowych jednostek interesu publicznego, uchylającego decyzję Komisji 2005/909/WE („rozporządzenie UE”); oraz
- span (style="font-family:"Arial",sans-serif;color:black")
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- span (style="font-family:"Arial",sans-serif;color:black")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font:7.0pt "Times New Roman"")
- span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;")
•
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): innych obowiązujących przepisów prawa.
- span (style="font-family:"Arial",sans-serif;color:black")
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margin-left:0cm;line-height:normal")
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Nasza odpowiedzialność zgodnie z tymi standardami i regulacjami została opisana w sekcji Odpowiedzialność biegłego rewidenta za badanie jednostkowego sprawozdania finansowego.
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margin-left:0cm;line-height:normal")
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Uważamy, że dowody badania, które uzyskaliśmy są wystarczające i odpowiednie, aby stanowić podstawę dla naszej opinii.
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height:8.5pt")
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height:8.5pt")
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3.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid")
- b
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:white"): Niezależność i etyka
- b
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3.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid")
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height:8.5pt")
- tr (style="
height:8.5pt")
- tbody
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24.0pt;margin-left:0cm;line-height:normal")
- span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Jesteśmy niezależni od Banku zgodnie z Międzynarodowym kodeksem etyki zawodowych księgowych (w tym Międzynarodowymi standardami niezależności) Rady Międzynarodowych Standardów Etyki dla Księgowych („Kodeks IESBA”), przyjętym uchwałą Krajowej Rady Biegłych Rewidentów oraz z innymi wymogami etycznymi, które mają zastosowanie do naszego badania jednostkowego sprawozdania finansowego w Polsce i spełniliśmy wszystkie obowiązki etyczne wynikające z tych wymogów i Kodeksu IESBA. W trakcie badania kluczowy biegły rewident oraz firma audytorska pozostali niezależni od Banku zgodnie z wymogami niezależności określonymi w ustawie o biegłych rewidentach oraz w rozporządzeniu UE.
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height:8.5pt")
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3.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid")
- b
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:white"): Kluczowe sprawy badania
- b
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3.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid")
- td (style="vertical-align:top;width:462.05pt;padding:0cm 5.4pt 0cm .05pt;
height:8.5pt")
- tr (style="
height:8.5pt")
- tbody
- p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom:
12.0pt;margin-left:0cm;line-height:normal")
- span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Kluczowe sprawy badania są to sprawy, które według naszego zawodowego osądu były najbardziej znaczące podczas naszego badania jednostkowego sprawozdania finansowego za bieżący okres sprawozdawczy. Obejmują one najbardziej znaczące ocenione rodzaje ryzyka istotnego zniekształcenia, w tym ocenione rodzaje ryzyka istotnego zniekształcenia spowodowanego oszustwem. Do spraw tych odnieśliśmy się w kontekście naszego badania jednostkowego sprawozdania finansowego jako całości, a przy formułowaniu naszej opinii podsumowaliśmy naszą reakcję na te rodzaje ryzyka. Nie wyrażamy osobnej opinii na temat tych spraw. Zidentyfikowaliśmy następujące kluczowe sprawy badania:
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- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:white"): Ryzyko prawne związane z kredytami hipotecznymi i mieszkaniowymi udzielonymi klientom indywidualnym w CHF
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solid #00338D 1.5pt;padding:0cm 5.4pt 0cm 2.85pt")
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6.0pt;margin-left:2.85pt;line-height:normal;page-break-after:avoid")
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): Wartość bilansowa netto kredytów hipotecznych i mieszkaniowych udzielonych klientom indywidualnym indeksowanych do CHF na dzień 31 grudnia 2024 r. wyniosła 665,6 mln PLN (na dzień 31 grudnia 2023 r.: 1 852,7 mln PLN). Łączna kwota korekt pomniejszających wartość bilansową brutto kredytów udzielonych klientom indywidualnym indeksowanym do CHF oraz rezerwy na ryzyko prawne związane z klauzulami indeksacyjnymi w kredytach hipotecznych i mieszkaniowych w CHF na dzień 31 grudnia 2024 r. wyniosła 6 561,6 mln PLN (na dzień 31 grudnia 2023 r.: 8 125,0 mln PLN).
- p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:
6.0pt;margin-left:2.85pt;line-height:normal;page-break-after:avoid")
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): Koszty ryzyka prawnego związanego z kredytami w CHF ujęte w rachunku zysków i strat w 2024 roku wyniosły 4 307,0 mln PLN (w 2023 roku: 4 775,0 mln PLN).
- p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:
18.0pt;margin-left:0cm;line-height:normal;page-break-after:avoid")
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif")
Odniesienie do jednostkowego sprawozdania finansowego: nota 34 „Ryzyko prawne związane z kredytami hipotecznymi i mieszkaniowymi udzielonymi klientom indywidualnym indeksowanymi do CHF i innych walut obcych”.
- span (style="color:red")
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif")
Odniesienie do jednostkowego sprawozdania finansowego: nota 34 „Ryzyko prawne związane z kredytami hipotecznymi i mieszkaniowymi udzielonymi klientom indywidualnym indeksowanymi do CHF i innych walut obcych”.
- p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom:
6.0pt;margin-left:2.85pt;line-height:normal;page-break-after:avoid")
- td (colspan="2", style="vertical-align:top;width:454.1pt;border-top:none;
border-left:solid #00338D 1.5pt;border-bottom:solid #00338D 1.0pt;border-right:
solid #00338D 1.5pt;padding:0cm 5.4pt 0cm 2.85pt")
- tr
- td (style="vertical-align:top;width:227.05pt;border-top:none;border-left:
solid #00338D 1.5pt;border-bottom:solid #00338D 1.0pt;border-right:solid #00338D 1.0pt;
padding:0cm 5.4pt 0cm 2.85pt")
- p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:
6.0pt;margin-left:0cm;line-height:normal;page-break-after:avoid")
- b
- span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00338D"): Kluczowa sprawa badania
- b
- p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:
6.0pt;margin-left:0cm;line-height:normal;page-break-after:avoid")
- td (style="vertical-align:top;width:227.05pt;border-top:none;border-left: none;border-bottom:solid #00338D 1.0pt;border-right:solid #00338D 1.5pt;
- td (style="vertical-align:top;width:227.05pt;border-top:none;border-left:
solid #00338D 1.5pt;border-bottom:solid #00338D 1.0pt;border-right:solid #00338D 1.0pt;
padding:0cm 5.4pt 0cm 2.85pt")
- tr
- tbody
- table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;", title="f92bdedc-da93-49c1-b2fb-0fcfba3cfeed_part0")
- div (class="Header Header3")
- div (class="Page Page3")
- div (class="PrintArea PrintArea1")
- div
padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:0cm;line-height:normal") - b - span (style="font-size:10.0pt;font-family: "Arial",sans-serif;color:#00338D"): Nasza reakcja - tr - td (style="vertical-align:top;width:227.05pt;border-top:none;border-left: solid #00338D 1.5pt;border-bottom:solid #00338D 1.5pt;border-right:solid #00338D 1.0pt; padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:2.85pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif"): Historycznie Bank udzielał kredytów hipotecznych i mieszkaniowych denominowanych i indeksowanych do franka szwajcarskiego („kredyty CHF”). W ostatnich latach istotna liczba klientów indywidualnych, którzy zaciągnęli kredyty CHF zakwestionowała na drodze sądowej część zapisów lub całość umów, na podstawie których Bank udzielił tych kredytów. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:2.85pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif"): Bank ocenił, że toczące się i przyszłe sprawy sądowe, biorąc pod uwagę przeważające niekorzystne orzecznictwo w tym zakresie, spowodują niższe oczekiwane przepływy pieniężne z tytułu kredytów CHF niż te wynikające z zawartych umów. W celu określenia szacunku nowych oczekiwanych przepływów pieniężnych z portfela kredytów CHF Bank dokonał oceny prawdopodobieństwa różnych scenariuszy w zakresie przyszłych możliwych zdarzeń, biorąc pod uwagę zarówno drogę sądową, jak i możliwość zawierania ugód z klientami i przyjmując znaczące założenia odnośnie spodziewanej liczby pozwów, prawdopodobieństwa możliwych rozstrzygnięć przez sądy, wysokości odsetek ustawowych, jak również szacowanej skali i warunków możliwych ugód z klientami. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:2.85pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif"): Szacunki wpływu ryzyka prawnego obarczone są istotną niepewnością i stosunkowo niewielka zmiana znaczących założeń może mieć istotny wpływ na poziom strat Banku. - p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif"): Z powyższych powodów ocena dokonanego przez Bank szacunku kwoty ryzyka oraz - span (style="color:red") - td (style="vertical-align:top;width:227.05pt;border-top:none;border-left: none;border-bottom:solid #00338D 1.5pt;border-right:solid #00338D 1.5pt;
padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:2.85pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif") Nasze procedury badania, przeprowadzone przy wsparciu naszych własnych specjalistów - br z zakresu prawa oraz systemów informatycznych, obejmowały między innymi: - span (style="background:yellow;") - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:0cm;margin-left:17.5pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): ocenę metodyki szacowania przez Bank skutków finansowych ryzyka prawnego związanego z kredytami w CHF, jak również polityki rachunkowości w tym obszarze; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:0cm;margin-left:17.5pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif") ocenę zaprojektowania i wdrożenia kluczowych kontroli wewnętrznych - br w zakresie identyfikacji, monitorowania - br i dokonywania szacunku ryzyka wynikającego ze spraw spornych z klientami; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:0cm;margin-left:17.5pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif") analizę poprawności istotnych danych wejściowych wykorzystanych do sporządzenia szacunków kwoty ryzyka prawnego poprzez ich uzgodnienie do odpowiednich danych z systemów informatycznych Banku - br i dokumentacji źródłowej; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:0cm;margin-left:17.5pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): uzyskanie potwierdzeń od zewnętrznych kancelarii prawnych spraw sądowych dotyczących kredytów CHF w celu oceny ich kompletności; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:0cm;margin-right:0cm;margin-bottom: 0cm;margin-left:17.5pt;text-indent:-18.15pt;line-height:normal;") - span (style="font-size:10.0pt;font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif") ocenę zasadności znaczących założeń przyjętych przez Bank - br w szacunku wpływu ryzyka prawnego związanego z kredytami CHF, takich jak prawdopodobieństwo przyjmowanych scenariuszy, w tym dotyczących przyszłych ugód z klientami, liczba spodziewanych pozwów ze strony klientów, wysokość - div (class="Footer Footer3") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; height:9.9pt") - p (class="MsoFooter", style="font-size:10pt;text-align:right") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - span: 3 - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - p (class="MsoFooter") - span (style="font-size:1.0pt;") - div (class="PrintArea PrintArea4") - div (class="Page Page4") - div (class="Header Header4") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; height:9.9pt") - p (class="MsoHeader") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") - img (alt="footer image", src="data:image/png;base64,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", style="position:relative; position:relative;margin-left:0;margin-top:0;width:56.7pt;height:22.7pt; ") - p (class="MsoHeader") - div (class="WordSection4") - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;", title="f92bdedc-da93-49c1-b2fb-0fcfba3cfeed_part1") - tbody - tr - td (style="vertical-align:top;width:227.05pt;border-top:1.0pt;border-left: 1.5pt;border-bottom:1.5pt;border-right:1.0pt;border-color:#00338D;border-style: solid;padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-bottom:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): ujawnień w tym zakresie w jednostkowym sprawozdaniu finansowym została uznana przez nas za kluczową sprawę badania. - span (style="color:red") - td (style="vertical-align:top;width:227.05pt;border-top:solid #00338D 1.0pt; border-left:none;border-bottom:solid #00338D 1.5pt;border-right:solid #00338D 1.5pt; padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:17.5pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif"): odsetek ustawowych, założenie dotyczące okresu przedawnienia roszczeń w związku z orzeczeniem Sądu Najwyższego, prawdopodobieństwo możliwych rozstrzygnięć przez sądy na podstawie zaobserwowanego dotychczas orzecznictwa w tym zakresie. Procedura ta obejmowała między innymi: - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:0cm;margin-left:38.75pt;text-indent:-18.0pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; ") - span (style="display:inline-block; text-indent:0pt; min-width:18.0pt;") - - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): ocenę zasadności założeń dotyczących liczby spodziewanych pozwów w przyszłości na podstawie historycznych obserwacji i analizy charakterystyki populacji kredytów CHF, biorąc również pod uwagę wpływ orzecznictwa, kolejnych wyroków Trybunału Sprawiedliwości Unii Europejskiej (TSUE) oraz orzeczeń Sądu Najwyższego (SN); - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:0cm;margin-left:38.75pt;text-indent:-18.0pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; ") - span (style="display:inline-block; text-indent:0pt; min-width:18.0pt;") - - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): analizę historycznych rozstrzygnięć sądów w kontekście przyjętego prawdopodobieństwa dla poszczególnych scenariuszy; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:0cm;margin-left:38.75pt;text-indent:-18.0pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; ") - span (style="display:inline-block; text-indent:0pt; min-width:18.0pt;") - - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): analizę zewnętrznych opinii prawnych - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black; background:white"): zawierających m.in. ocenę wpływu dostępnych orzeczeń TSUE i SN oraz oczekiwanego orzecznictwa sądów powszechnych; - span (style="font-size:10.0pt; font-family:"Arial",sans-serif") - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:0cm;margin-left:38.75pt;text-indent:-18.0pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; ") - span (style="display:inline-block; text-indent:0pt; min-width:18.0pt;") - - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): rekalkulację na wybranej próbie szacowanych skutków finansowych poszczególnych scenariuszy rozstrzygnięcia sprawy sądowej; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:0cm;margin-left:38.75pt;text-indent:-18.0pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; ") - span (style="display:inline-block; text-indent:0pt; min-width:18.0pt;") - - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family: "Arial",sans-serif;color:black;background:white"): analizę wrażliwości szacunku wpływu ryzyka prawnego dotyczącego kredytów CHF na zmiany w kluczowych założeniach i ocenę, czy przyjęty poziom tych założeń wskazuje na stronniczość Zarządu Banku; - span (style="font-size:10.0pt; font-family:"Arial",sans-serif") - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:0cm;margin-left:17.5pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): sprawdzenie arytmetycznej poprawności szacunku wpływu ryzyka prawnego dotyczącego kredytów CHF dla całej populacji umów kredytów hipotecznych CHF; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:0cm;margin-left:17.5pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): testowanie na próbie adekwatności rozliczenia wyroków; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:0cm;margin-left:17.5pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): ocenę kompletności i poprawności wymaganych przez odpowiednie standardy sprawozdawczości finansowej ujawnień dotyczących szacunku wpływu ryzyka prawnego dotyczącego kredytów CHF. - p (class="MsoNormal", style="margin-bottom:0cm;line-height:normal") - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") - div (class="Footer Footer4") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; 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position:relative;margin-left:0;margin-top:0;width:56.7pt;height:22.7pt; ") - p (class="MsoHeader") - div (class="WordSection5") - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;", title="d7f9f7bb-034a-48f9-8804-862264af4d17_part0") - tbody - tr - td (colspan="2", style="vertical-align:top;width:454.1pt;border:solid #00338D 1.5pt; background:#00338D;padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:0cm;line-height:normal;page-break-after:avoid") - b - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:white"): Odpisy na oczekiwane straty kredytowe dla kredytów i pożyczek udzielonych klientom oraz rezerwy na udzielone zobowiązania i gwarancje - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:white") - tr - td (colspan="2", style="vertical-align:top;width:454.1pt;border-top:none; border-left:solid #00338D 1.5pt;border-bottom:solid #00338D 1.0pt;border-right: solid #00338D 1.5pt;padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:2.85pt;line-height:normal;page-break-after:avoid") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): Wartość bilansowa kredytów i pożyczek udzielonych klientom wycenianych w zamortyzowanym koszcie oraz w wartości godziwej przez inne całkowite dochody na dzień 31 grudnia 2024 r. wyniosła 110 947,4 mln PLN (na dzień 31 grudnia 2023 r.: 103 291,5 mln PLN). - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:2.85pt;line-height:normal;page-break-after:avoid") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): W - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black; background:white") ynik z tytułu utraty wartości lub odwrócenia utraty wartości z tytułu kredytów - br i pożyczek udzielonych klientom niewycenianych w wartości godziwej przez wynik finansowy oraz udzielonych zobowiązań i gwarancji - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): za 2024 rok wyniósł -511,5 mln PLN (za 2023 rok: -941,6 mln PLN). - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom: 18.0pt;margin-left:0cm;line-height:normal;page-break-after:avoid") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif") Odniesienie do jednostkowego sprawozdania finansowego: nota 14 „Utrata wartości lub odwrócenie utraty wartości z tytułu aktywów finansowych niewycenianych w wartości godziwej przez wynik finansowy”, nota 21 „Aktywa finansowe wyceniane w wartości godziwej przez inne całkowite dochody” oraz nota 22 „Aktywa finansowe wyceniane w zamortyzowanym koszcie”. - span (style="color:red") - tr - td (style="vertical-align:top;width:227.05pt;border-top:none;border-left: solid #00338D 1.5pt;border-bottom:solid #00338D 1.0pt;border-right:solid #00338D 1.0pt; padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:0cm;line-height:normal;page-break-after:avoid") - b - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00338D"): Kluczowa sprawa badania - td (style="vertical-align:top;width:227.05pt;border-top:none;border-left: none;border-bottom:solid #00338D 1.0pt;border-right:solid #00338D 1.5pt;
padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:0cm;line-height:normal") - b - span (style="font-size:10.0pt;font-family: "Arial",sans-serif;color:#00338D"): Nasza reakcja - tr - td (style="vertical-align:top;width:227.05pt;border-top:none;border-left: solid #00338D 1.5pt;border-bottom:solid #00338D 1.5pt;border-right:solid #00338D 1.0pt; padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:2.85pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif"): W procesie szacowania oczekiwanych strat kredytowych dotyczących kredytów i pożyczek udzielonych klientom wycenianych według zamortyzowanego kosztu lub wartości godziwej odnoszonej w inne dochody całkowite wyróżnia się dwa zasadnicze etapy – identyfikację istotnego wzrostu ryzyka kredytowego lub przesłanek utraty wartości oraz pomiar oczekiwanych strat kredytowych. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:2.85pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif") Przesłanki utraty wartości oraz istotnego wzrostu ryzyka kredytowego identyfikowane są głównie na podstawie terminowości obsługi zadłużenia, sytuacji ekonomiczno-finansowej kredytobiorców oraz aktualnego prawdopodobieństwa niewykonania zobowiązania w porównaniu do wartości tego parametru na moment początkowego ujęcia ekspozycji, natomiast odpisy na oczekiwane straty kredytowe są szacowane indywidualnie oraz dla portfeli jednorodnych przy wykorzystaniu metod statystycznych na podstawie parametrów ryzyka. Parametry ryzyka, takie jak prawdopodobieństwo niewykonania zobowiązania (PD), strata - br w momencie niewykonania zobowiązania (LGD), czy wartość ekspozycji na moment niewykonania zobowiązania (EAD), a także kryteria i progi alokacji (SICR) do kategorii ryzyka (koszyków) są wyznaczane dla jednorodnych grup należności kredytowych w oparciu o dane historyczne, przy uwzględnieniu oczekiwanych warunków makroekonomicznych. - p (class="MsoNormal", style="margin-bottom:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): Odpisy na oczekiwane straty kredytowe stanowią szacunek strat kredytowych oczekiwanych w odniesieniu do należności - span (style="color:red") - td (style="vertical-align:top;width:227.05pt;border-top:none;border-left: none;border-bottom:solid #00338D 1.5pt;border-right:solid #00338D 1.5pt;
padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:2.85pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif") Nasze procedury badania, przeprowadzone przy wsparciu naszych własnych specjalistów - br z zakresu zarządzania ryzykiem finansowym oraz systemów informatycznych, obejmowały między innymi: - span (style="background:yellow;") - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:6.0pt;margin-left:36.0pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): ocenę stosowanej przez Bank metodyki szacowania odpisów na oczekiwane straty kredytowe pod kątem zgodności z wymogami odpowiednich standardów sprawozdawczości finansowej; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:6.0pt;margin-left:36.0pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): ocenę zaprojektowania i wdrożenia oraz testowanie efektywności kluczowych kontroli wewnętrznych, w tym kontroli w środowisku informatycznym, stosowanych w procesie identyfikacji zdarzeń powodujących utratę wartości bądź istotny wzrost ryzyka kredytowego oraz kalkulacji odpisów na oczekiwane straty kredytowe; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:6.0pt;margin-left:36.0pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif") procedury analityczne w zakresie struktury i dynamiki zmian salda należności kredytowych oraz parametrów odzwierciedlających jakość portfela kredytowego oraz poziom odpisów (np. udział kredytów przeterminowanych, wskaźnik pokrycia odpisami), mające na celu identyfikację grup należności kredytowych - br z niedoszacowanymi odpisami na oczekiwane straty kredytowe; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:6.0pt;margin-left:36.0pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif") analizę poprawności identyfikacji przez Bank przesłanek utraty wartości oraz istotnego wzrostu ryzyka kredytowego i alokacji kredytów i pożyczek udzielonych - span (style="color: red") - div (class="Footer Footer5") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; height:9.9pt") - p (class="MsoFooter", style="font-size:10pt;text-align:right") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - span: 5 - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - p (class="MsoFooter") - span (style="font-size:1.0pt;") - div (class="PrintArea PrintArea6") - div (class="Page Page6") - div (class="Header Header6") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; height:9.9pt") - p (class="MsoHeader") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") - img (alt="footer image", src="data:image/png;base64,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", style="position:relative; position:relative;margin-left:0;margin-top:0;width:56.7pt;height:22.7pt; ") - p (class="MsoHeader") - div (class="WordSection6") - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;", title="d7f9f7bb-034a-48f9-8804-862264af4d17_part1") - tbody - tr - td (style="vertical-align:top;width:227.05pt;border-top:1.0pt;border-left: 1.5pt;border-bottom:1.5pt;border-right:1.0pt;border-color:#00338D;border-style: solid;padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:2.85pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif"): kredytowych na dzień bilansowy w horyzoncie 12 miesięcy bądź całego okresu życia ekspozycji. - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black;background:white"): Zgodnie z wymogami odpowiedniego standardu rachunkowości pomiar oczekiwanych strat kredytowych uwzględnia prognozy dotyczące przyszłych warunków gospodarczych. - span (style="font-size: 10.0pt;font-family:"Arial",sans-serif") - p (class="MsoNormal", style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:2.85pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif") - p (class="MsoNormal", style="margin-top:0cm;margin-right:0cm;margin-bottom:0cm; margin-left:2.85pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif"): Głównym obszarem ryzyka jest brak identyfikacji istniejących przesłanek utraty wartości oraz istotnego wzrostu ryzyka kredytowego oraz dobór niewłaściwych danych do wyznaczenia parametrów modelu statystycznego, - span (style="font-size: 10.0pt;font-family:"Arial",sans-serif;color:black;background:white"): w tym wybór niewłaściwych założeń makroekonomicznych, - span (style="font-size: 10.0pt;font-family:"Arial",sans-serif") które mogą nie odzwierciedlać oczekiwanego poziomu strat kredytowych na dany dzień bilansowy. - br W odniesieniu do kredytów ocenianych indywidualnie występuje ryzyko przyjęcia niewłaściwych założeń w zakresie zastosowania scenariuszy odzysku, wyceny zabezpieczeń czy też przyjętych przez Bank terminów planowanych przepływów pieniężnych. Ponadto występuje ryzyko błędów w procesie kalkulacji odpisów. - span (style="font-size: 10.0pt;font-family:"Arial",sans-serif;color:black;background:white"): Stosunkowo niewielka zmiana znaczących założeń i parametrów modelu, takich jak dane oraz metody, może mieć istotny wpływ na szacunek oczekiwanych strat kredytowych. - span (style="font-size:10.0pt;font-family:"Arial",sans-serif") - p (class="MsoNormal", style="margin-bottom:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif") - p (class="MsoNormal", style="margin-bottom:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif") Obszar ten uznaliśmy za kluczową sprawę badania, ponieważ szacowanie odpisów na oczekiwane straty kredytowe wiąże się ze znaczącym nieodłącznym ryzykiem błędów, - br a także niepewnością i wymaga od Zarządu zastosowania istotnego osądu - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black; background:white"): oraz, biorąc pod uwagę wielkość portfela kredytowego, ma istotny wpływ na jednostkowe sprawozdanie finansowe. - span (style="color:red") - td (style="vertical-align:top;width:227.05pt;border-top:solid #00338D 1.0pt; border-left:none;border-bottom:solid #00338D 1.5pt;border-right:solid #00338D 1.5pt; padding:0cm 5.4pt 0cm 2.85pt") - p (class="MsoNormal", style="margin-top:0cm;margin-right:0cm;margin-bottom:6.0pt; margin-left:36.0pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif"): klientom do koszyków z uwzględnieniem kryteriów ilościowych i jakościowych; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:6.0pt;margin-left:36.0pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): krytyczną ocenę założeń oraz danych wejściowych przyjętych dla poszczególnych kluczowych parametrów ryzyka kredytowego, takich jak SICR, PD, LGD i EAD poprzez odniesienie się, między innymi, do analizy danych Banku dotyczących wcześniejszych przypadków niewykonania zobowiązań, zrealizowanych strat z tytułu tych przypadków niewykonania zobowiązań, przepływów pieniężnych wynikających z umowy i okresu obowiązywania umowy; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:6.0pt;margin-left:36.0pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif"): niezależną rekalkulację wybranych parametrów ryzyka kredytowego dla wybranych portfeli kredytów; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:6.0pt;margin-left:36.0pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif") ocenę adekwatności odpisów na oczekiwane straty kredytowe poprzez odniesienie do strat kredytowych poniesionych na poszczególnych jednorodnych portfelach - br - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black;background:white"): w przeszłości; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:6.0pt;margin-left:36.0pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family: "Arial",sans-serif;color:black;background:white"): dla próby kredytów, krytyczna ocena, poprzez odniesienie do dokumentacji kredytowej (zaktualizowane wskaźniki finansowe, historia spłat, zdarzenia związane z niewykonaniem zobowiązania) oraz poprzez zapytanie skierowane do pracowników Departamentu Ryzyka Kredytowego, istnienie jakichkolwiek przesłanek do klasyfikacji do koszyka 2 lub koszyka 3 na dzień 31 grudnia 2024 r. oraz niezależne przeliczenie odpisów z tytułu utraty wartości dla koszyka 3; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm; margin-bottom:6.0pt;margin-left:36.0pt;text-indent:-18.15pt;line-height:normal; ") - span (style="font-size:10.0pt; font-family:Symbol; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:18.15pt;") · - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family: "Arial",sans-serif;color:black;background:white") ocenę kompletności i poprawności wymaganych przez odpowiednie standardy sprawozdawczości finansowej ujawnień w jednostkowym sprawozdaniu finansowym w zakresie istotnych osądów - br i szacunków dotyczących oczekiwanych strat kredytowych, w tym niepewności wynikającej z oczekiwanych scenariuszy makroekonomicznych, jak również analizy wrażliwości poziomu oczekiwanych strat kredytowych względem znaczących założeń zastosowanych w modelu. - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:red") - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") - div (class="Footer Footer6") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; 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position:relative;margin-left:0;margin-top:0;width:56.7pt;height:22.7pt; ") - p (class="MsoHeader") - div (class="WordSection7") - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;margin-left:-5.7pt;background:#00338D;border:none;", title="d8b3c8a0-f6e5-4493-a24f-76e746514e45") - tbody - tr (style=" height:8.5pt") - td (style="vertical-align:top;width:462.05pt;padding:0cm 5.4pt 0cm .05pt; height:8.5pt") - p (class="MsoNormal", style="margin-top:3.0pt;margin-right:5.7pt;margin-bottom: 3.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid") - b - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:white"): Odpowiedzialność Zarządu i Rady Nadzorczej Banku za jednostkowe sprawozdanie finansowe - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Zarząd Banku jest odpowiedzialny za sporządzenie, na podstawie prawidłowo prowadzonych ksiąg rachunkowych, jednostkowego sprawozdania finansowego przedstawiającego rzetelny i jasny obraz zgodnie z MSSF UE, przyjętymi zasadami (polityką) rachunkowości oraz z obowiązującymi Bank przepisami prawa i statutem, a także za kontrolę wewnętrzną, którą Zarząd Banku uznaje za niezbędną, aby zapewnić sporządzenie jednostkowego sprawozdania finansowego niezawierającego istotnego zniekształcenia spowodowanego oszustwem lub błędem. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Sporządzając jednostkowe sprawozdanie finansowe Zarząd Banku jest odpowiedzialny za ocenę zdolności Banku do kontynuowania działalności, ujawnienie, jeżeli ma to zastosowanie, kwestii związanych z kontynuacją działalności oraz za przyjęcie założenia kontynuacji działalności jako podstawy rachunkowości, z wyjątkiem sytuacji kiedy Zarząd Banku albo zamierza dokonać likwidacji Banku, zaniechać prowadzenia działalności, albo gdy nie ma żadnej realnej alternatywy dla likwidacji lub zaniechania prowadzenia działalności. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:24.0pt; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Zgodnie z ustawą o rachunkowości Zarząd oraz członkowie Rady Nadzorczej Banku są zobowiązani do zapewnienia, aby jednostkowe sprawozdanie finansowe spełniało wymagania przewidziane w tej ustawie. Członkowie Rady Nadzorczej Banku są odpowiedzialni za nadzór nad procesem sprawozdawczości finansowej Banku. - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;margin-left:-5.7pt;background:#00338D;border:none;", title="626975d7-a25f-42cd-a4d5-df03cb8310a7") - tbody - tr (style=" height:8.5pt") - td (style="vertical-align:top;width:462.05pt;padding:0cm 5.4pt 0cm .05pt; height:8.5pt") - p (class="MsoNormal", style="margin-top:3.0pt;margin-right:5.7pt;margin-bottom: 3.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid") - b - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:white"): Odpowiedzialność biegłego rewidenta za badanie jednostkowego sprawozdania finansowego - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Celem badania jest uzyskanie racjonalnej pewności, czy jednostkowe sprawozdanie finansowe jako całość nie zawiera istotnego zniekształcenia spowodowanego oszustwem lub błędem oraz wydanie sprawozdania z badania zawierającego naszą opinię. Racjonalna pewność jest wysokim poziomem pewności, ale nie gwarantuje, że badanie przeprowadzone zgodnie z KSB zawsze wykryje istniejące istotne zniekształcenie. Zniekształcenia mogą powstawać na skutek oszustwa lub błędu i są uważane za istotne, jeżeli można racjonalnie oczekiwać, że pojedynczo lub łącznie mogłyby wpłynąć na decyzje ekonomiczne użytkowników podejmowane na podstawie jednostkowego sprawozdania finansowego. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Zakres badania nie obejmuje zapewnienia co do przyszłej rentowności Banku ani efektywności lub skuteczności prowadzenia jego spraw przez Zarząd Banku, obecnie lub w przyszłości. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Podczas badania zgodnego z KSB stosujemy zawodowy osąd i zachowujemy zawodowy sceptycyzm, a także: - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): identyfikujemy i szacujemy ryzyka istotnego zniekształcenia jednostkowego sprawozdania finansowego spowodowanego oszustwem lub błędem, projektujemy i przeprowadzamy procedury badania odpowiadające tym ryzykom i uzyskujemy dowody badania, które są wystarczające i odpowiednie, aby stanowić podstawę dla naszej opinii. Ryzyko niewykrycia istotnego zniekształcenia wynikającego z oszustwa jest większe niż istotnego zniekształcenia wynikającego z błędu, ponieważ oszustwo może obejmować zmowę, fałszerstwo, celowe pominięcie, wprowadzenie w błąd lub obejście systemu kontroli wewnętrznej; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): uzyskujemy zrozumienie kontroli wewnętrznej stosownej dla badania w celu zaprojektowania procedur badania, które są odpowiednie w danych okolicznościach, ale nie w celu wyrażenia opinii na temat skuteczności działania kontroli wewnętrznej Banku; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): oceniamy odpowiedniość zastosowanych zasad (polityki) rachunkowości oraz zasadność szacunków księgowych oraz powiązanych z nimi ujawnień dokonanych przez Zarząd Banku; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): wyciągamy wniosek na temat odpowiedniości zastosowania przez Zarząd Banku zasady kontynuacji działalności jako podstawy rachunkowości oraz, na podstawie uzyskanych dowodów badania, oceniamy, czy istnieje istotna niepewność związana ze zdarzeniami lub okolicznościami, które mogą podawać w znaczącą wątpliwość zdolność Banku do kontynuacji działalności. Jeżeli dochodzimy do wniosku, że istnieje istotna niepewność, wymagane jest od nas zwrócenie uwagi - div (class="Footer Footer7") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; height:9.9pt") - p (class="MsoFooter", style="font-size:10pt;text-align:right") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - span: 7 - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - p (class="MsoFooter") - span (style="font-size:1.0pt;") - div (class="PrintArea PrintArea8") - div (class="Page Page8") - div (class="Header Header8") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; height:9.9pt") - p (class="MsoHeader") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") - img (alt="footer image", src="data:image/png;base64,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", style="position:relative; position:relative;margin-left:0;margin-top:0;width:56.7pt;height:22.7pt; ") - p (class="MsoHeader") - div (class="WordSection8") - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:17.85pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): w sprawozdaniu z badania jednostkowego sprawozdania finansowego na powiązane ujawnienia w jednostkowym sprawozdaniu finansowym lub, jeżeli takie ujawnienia są nieodpowiednie, modyfikujemy naszą opinię. Nasze wnioski są oparte na dowodach badania uzyskanych do dnia sporządzenia sprawozdania z badania jednostkowego sprawozdania finansowego. Przyszłe zdarzenia lub warunki mogą spowodować, że Bank zaprzestanie kontynuacji działalności; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): oceniamy ogólną prezentację, strukturę i treść jednostkowego sprawozdania finansowego, w tym ujawnienia, a także czy jednostkowe sprawozdanie finansowe odzwierciedla stanowiące ich podstawę transakcje i zdarzenia w sposób zapewniający rzetelną prezentację. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Przekazujemy Komisji ds. Audytu Banku informacje między innymi o planowanym zakresie i terminie przeprowadzenia badania oraz znaczących ustaleniach badania, w tym wszelkich znaczących słabościach kontroli wewnętrznej, które zidentyfikujemy podczas badania. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Przekazujemy Komisji ds. Audytu Banku oświadczenie, że przestrzegaliśmy stosownych wymogów etycznych dotyczących niezależności oraz informujemy o wszystkich powiązaniach i innych sprawach, które mogłyby być racjonalnie uznane za stanowiące zagrożenie dla naszej niezależności, a tam gdzie ma to zastosowanie, informujemy o działaniach podjętych w celu wyeliminowania zagrożeń lub zastosowanych zabezpieczeniach. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:24.0pt; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Spośród spraw przekazywanych Komisji ds. Audytu Banku wskazaliśmy te sprawy, które były najbardziej znaczące podczas badania jednostkowego sprawozdania finansowego za bieżący okres sprawozdawczy uznając je za kluczowe sprawy badania. Opisujemy te sprawy w naszym sprawozdaniu z badania jednostkowego sprawozdania finansowego, chyba że przepisy prawa lub regulacje zabraniają ich publicznego ujawnienia lub gdy, w wyjątkowych okolicznościach, ustalimy, że sprawa nie powinna być komunikowana w naszym sprawozdaniu, ponieważ można byłoby racjonalnie oczekiwać, że negatywne konsekwencje wynikające z jej ujawnienia przeważyłyby korzyści takiej informacji dla interesu publicznego. - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;margin-left:-5.7pt;background:#00338D;border:none;", title="01bd576f-8238-4a50-b071-0870f0a69fdc") - tbody - tr (style=" height:8.5pt") - td (style="vertical-align:top;width:462.05pt;padding:0cm 5.4pt 0cm .05pt; height:8.5pt") - p (class="MsoNormal", style="margin-top:3.0pt;margin-right:5.7pt;margin-bottom: 3.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid") - b - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:white"): Inne informacje - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Na inne informacje składają się: - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): List Prezesa Zarządu mBanku S.A. do Akcjonariuszy; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): List Przewodniczącej Rady Nadzorczej mBanku S.A. do Akcjonariuszy; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") sprawozdanie Zarządu z działalności Grupy mBanku S.A. w 2024 roku (obejmujące Sprawozdanie Zarządu z działalności mBanku S.A.) („sprawozdanie z działalności”) wraz z oświadczeniem - br o stosowaniu ładu korporacyjnego oraz sprawozdawczością zrównoważonego rozwoju, które są wyodrębnionymi częściami tego sprawozdania z działalności - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black;background: white") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): oraz oświadczeniem Zarządu Banku odnośnie sporządzenia skonsolidowanego sprawozdania finansowego, jednostkowego sprawozdania finansowego oraz sprawozdania z działalności; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): informacja Zarządu o dokonaniu wyboru firmy audytorskiej przeprowadzającej badanie rocznego jednostkowego i skonsolidowanego sprawozdania finansowego zgodnie z przepisami, w tym dotyczącymi wyboru i procedury wyboru firmy audytorskiej; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): informacja Zarządu Jednostki o dokonaniu wyboru firmy audytorskiej przeprowadzającej atestację sprawozdawczości zrównoważonego rozwoju, - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): oświadczenie Rady Nadzorczej odnośnie Komitetu Audytu, - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") ocena dokonana przez Radę Nadzorczą wraz z uzasadnieniem dotycząca sprawozdania - br z działalności i sprawozdania finansowego w zakresie ich zgodności z księgami, dokumentami oraz ze stanem faktycznym; - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") ocena Rady Nadzorczej mBanku S.A. na temat sytuacji spółki w ujęciu skonsolidowanym - br z uwzględnieniem adekwatności i skuteczności stosowanych w spółce systemów kontroli - div (class="Footer Footer8") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; height:9.9pt") - p (class="MsoFooter", style="font-size:10pt;text-align:right") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - span: 8 - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - p (class="MsoFooter") - span (style="font-size:1.0pt;") - div (class="PrintArea PrintArea9") - div (class="Page Page9") - div (class="Header Header9") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; height:9.9pt") - p (class="MsoHeader") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") - img (alt="footer image", src="data:image/png;base64,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", style="position:relative; position:relative;margin-left:0;margin-top:0;width:56.7pt;height:22.7pt; ") - p (class="MsoHeader") - div (class="WordSection9") - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:17.85pt;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): wewnętrznej, zarządzania ryzykiem, zapewniania zgodności działalności z normami lub mającymi zastosowanie praktykami oraz audytu wewnętrznego, oraz - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): sprawozdanie z atestacji sprawozdawczości zrównoważonego rozwoju Banku, - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): (razem „inne informacje”). - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Zarząd Banku jest odpowiedzialny za inne informacje. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Zarząd oraz członkowie Rady Nadzorczej Banku są zobowiązani do zapewnienia, aby sprawozdanie z działalności wraz z wyodrębnionymi częściami spełniało wymagania przewidziane w ustawie o rachunkowości. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Nasza opinia z badania jednostkowego sprawozdania finansowego nie obejmuje innych informacji. W odniesieniu do sprawozdawczości zrównoważonego rozwoju, stanowiącej wyodrębnioną część sprawozdania z działalności, inny biegły rewident w imieniu naszej firmy audytorskiej przeprowadził atestację, której wyniki zostały przedstawione w odrębnym sprawozdaniu z atestacji zawierającym niezmodyfikowaną opinię, które stanowi część innych informacji. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:24.0pt; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): W związku z badaniem jednostkowego sprawozdania finansowego naszym obowiązkiem jest zapoznanie się z innymi informacjami, i czyniąc to, rozważenie, czy nie są one istotnie niespójne z jednostkowym sprawozdaniem finansowym, z naszą wiedzą uzyskaną w trakcie badania, lub w inny sposób wydają się być istotnie zniekształcone. Jeżeli na podstawie wykonanej pracy stwierdzimy istotne zniekształcenie w innych informacjach, to jesteśmy zobowiązani poinformować o tym w naszym sprawozdaniu z badania. Nie mamy żadnych spraw do zakomunikowania w tym zakresie. - p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:0cm;line-height:normal;page-break-after:avoid") - i - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00338D"): Dodatkowe obowiązki wynikające z ustawy o biegłych rewidentach - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Naszym obowiązkiem zgodnie z wymogami ustawy o biegłych rewidentach jest również wydanie opinii, czy sprawozdanie z działalności, w zakresie niedotyczącym sprawozdawczości zrównoważonego rozwoju, zostało sporządzone zgodnie z mającymi zastosowanie przepisami prawa oraz czy jest zgodne z informacjami zawartymi w rocznym jednostkowym sprawozdaniu finansowym. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:24.0pt; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Ponadto zgodnie z wymogami ustawy o biegłych rewidentach jesteśmy zobowiązani do wydania opinii, czy Bank w oświadczeniu o stosowaniu ładu korporacyjnego zawarł informacje wymagane przepisami prawa lub regulaminami, a w odniesieniu do określonych informacji wskazanych w tych przepisach lub regulaminach stwierdzenie, czy są one zgodne z mającymi zastosowanie przepisami prawa i informacjami zawartymi w jednostkowym sprawozdaniu finansowym. - p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:0cm;line-height:normal;page-break-after:avoid") - i - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00338D"): Opinia o sprawozdaniu z działalności - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Na podstawie pracy wykonanej w trakcie badania jednostkowego sprawozdania finansowego, naszym zdaniem, sprawozdanie z działalności, w zakresie niedotyczącym sprawozdawczości zrównoważonego rozwoju, we wszystkich istotnych aspektach: - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;page-break-after:avoid;") - span (style="font-family: "Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): zostało sporządzone zgodnie z mającymi zastosowanie przepisami prawa; oraz - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:24.0pt;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif; color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black"): jest zgodne z informacjami zawartymi w jednostkowym sprawozdaniu finansowym. - p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:0cm;line-height:normal;page-break-after:avoid") - i - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00338D"): Opinia o oświadczeniu o stosowaniu ładu korporacyjnego - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Naszym zdaniem, w oświadczeniu o stosowaniu ładu korporacyjnego, które jest wyodrębnioną częścią sprawozdania z działalności, Bank zawarł informacje określone w paragrafie 70 ust. 6 punkt 5 rozporządzenia Ministra Finansów z dnia 29 marca 2018 r. w sprawie informacji bieżących i okresowych przekazywanych przez emitentów papierów wartościowych oraz warunków uznawania za równoważne informacji wymaganych przepisami prawa państwa niebędącego państwem członkowskim („rozporządzenie”). - div (class="Footer Footer9") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; height:9.9pt") - p (class="MsoFooter", style="font-size:10pt;text-align:right") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - span: 9 - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - p (class="MsoFooter") - span (style="font-size:1.0pt;") - div (class="PrintArea PrintArea10") - div (class="Page Page10") - div (class="Header Header10") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; height:9.9pt") - p (class="MsoHeader") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") - img (alt="footer image", src="data:image/png;base64,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", style="position:relative; position:relative;margin-left:0;margin-top:0;width:56.7pt;height:22.7pt; ") - p (class="MsoHeader") - div (class="WordSection10") - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Ponadto naszym zdaniem informacje określone w paragrafie 70 ust. 6 punkt 5 lit. c-f, h oraz lit. i rozporządzenia zawarte w oświadczeniu o stosowaniu ładu korporacyjnego, we wszystkich istotnych aspektach: - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;page-break-after:avoid;") - span (style="font-family: "Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): zostały sporządzone zgodnie z mającymi zastosowanie przepisami prawa, oraz - p (class="MsoListParagraph", style="font-size:10pt;margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:17.85pt;text-indent:-17.85pt;line-height:normal;") - span (style="font-family:"Arial",sans-serif;color:black") - span (style="display:inline-block; text-indent:0pt; min-width:17.85pt;") • - span (style="font:7.0pt "Times New Roman"") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): są zgodne z informacjami zawartymi w jednostkowym sprawozdaniu finansowym. - p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:0cm;line-height:normal;page-break-after:avoid") - i - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00338D"): Oświadczenie na temat sprawozdania z działalności - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:24.0pt; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Ponadto oświadczamy, że w świetle wiedzy o Banku i jego otoczeniu uzyskanej podczas naszego badania jednostkowego sprawozdania finansowego nie stwierdziliśmy w sprawozdaniu z działalności istotnych zniekształceń. Niniejsze oświadczenie nie obejmuje sprawozdawczości zrównoważonego rozwoju. - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;margin-left:-5.7pt;background:#1E49E2;border:none;", title="3f5a1386-94bd-4920-8dd3-dd354ae4c8df") - tbody - tr (style=" height:8.5pt") - td (style="vertical-align:top;width:462.05pt;padding:0cm 5.4pt 0cm .05pt; height:8.5pt") - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:5.7pt;margin-bottom: 6.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid") - b - span (style="font-size:11.0pt;font-family:"Arial",sans-serif;color:white"): Sprawozdanie na temat innych wymogów prawa i regulacji - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt; margin-left:0cm;line-height:normal;page-break-after:avoid") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;margin-left:-5.7pt;background:#00338D;border:none;", title="80d81cad-0cce-4ebe-a07e-0b373c2bfb85") - tbody - tr (style=" height:8.5pt") - td (style="vertical-align:top;width:462.05pt;padding:0cm 5.4pt 0cm .05pt; height:8.5pt") - p (class="MsoNormal", style="margin-top:3.0pt;margin-right:5.7pt;margin-bottom: 3.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid") - b - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:white"): Informacja o przestrzeganiu regulacji ostrożnościowych - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Zarząd Banku odpowiada za zapewnienie zgodności działania Banku z regulacjami ostrożnościowymi, w tym za prawidłowość ustalenia współczynników kapitałowych. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Naszym obowiązkiem jest poinformowanie w sprawozdaniu z badania, czy Bank przestrzega obowiązujących regulacji ostrożnościowych określonych w odrębnych przepisach, w szczególności czy Bank prawidłowo ustalił współczynniki kapitałowe przedstawione w nocie 47 „Adekwatność kapitałowa”. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Celem badania jednostkowego sprawozdania finansowego nie było wyrażenie opinii na temat przestrzegania przez Bank obowiązujących regulacji ostrożnościowych, a zatem nie wyrażamy opinii na ten temat. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:24.0pt; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): W oparciu o przeprowadzone badanie jednostkowego sprawozdania finansowego informujemy, że nie zidentyfikowaliśmy przypadków naruszenia przez Bank w okresie od dnia 1 stycznia do 31 grudnia 2024 r. obowiązujących regulacji ostrożnościowych, określonych w odrębnych przepisach, w szczególności w zakresie prawidłowości ustalenia przez Bank współczynników kapitałowych na dzień 31 grudnia 2024 r., które mogłyby mieć istotny wpływ na jednostkowe sprawozdanie finansowe. - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;margin-left:-5.7pt;background:#00338D;border:none;", title="4103b338-4f93-4002-9d38-bfcc652a6325") - tbody - tr (style=" height:8.5pt") - td (style="vertical-align:top;width:462.05pt;padding:0cm 5.4pt 0cm .05pt; height:8.5pt") - p (class="MsoNormal", style="margin-top:3.0pt;margin-right:5.7pt;margin-bottom: 3.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid") - b - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:white"): Oświadczenie na temat świadczenia usług niebędących badaniem sprawozdania finansowego - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 6.0pt;margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Zgodnie z naszą najlepszą wiedzą i przekonaniem oświadczamy, że nie świadczyliśmy zabronionych usług niebędących badaniem, o których mowa w art. 5 ust. 1 akapit drugi rozporządzenia UE oraz art. 136 ustawy o biegłych rewidentach. - p (class="MsoNormal", style="margin-top:6.0pt;margin-right:0cm;margin-bottom:24.0pt; margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"): Usługi niebędące badaniem sprawozdań finansowych, które świadczyliśmy na rzecz Banku w badanym okresie zostały ujawnione w punkcie 11.7 sprawozdania z działalności. - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;margin-left:-5.7pt;background:#00338D;border:none;", title="6b299b04-2a61-40da-afc3-1f9892623635") - tbody - tr (style=" height:8.5pt") - td (style="vertical-align:top;width:462.05pt;padding:0cm 5.4pt 0cm .05pt; height:8.5pt") - p (class="MsoNormal", style="margin-top:3.0pt;margin-right:5.7pt;margin-bottom: 3.0pt;margin-left:5.7pt;line-height:normal;page-break-after:avoid") - b - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:white"): Wybór firmy audytorskiej - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:0cm;line-height:normal;page-break-after:avoid") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black"): Zostaliśmy wybrani po raz pierwszy do badania rocznego jednostkowego sprawozdania finansowego Banku uchwałą Walnego Zgromadzenia z dnia 31 marca 2022 r. Całkowity nieprzerwany okres - div (class="Footer Footer10") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; height:9.9pt") - p (class="MsoFooter", style="font-size:10pt;text-align:right") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - span: 10 - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black") - p (class="MsoFooter") - span (style="font-size:1.0pt;") - div (class="PrintArea PrintArea11") - div (class="Page Page11") - div (class="Header Header11") - div - table (class="MsoTableGrid", style="border-collapse:collapse;border-spacing:0;;border:none;") - tbody - tr (style=" height:9.9pt") - td (style="vertical-align:top;width:453.1pt;padding:0cm 5.4pt 0cm .05pt; height:9.9pt") - p (class="MsoHeader") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") - img (alt="footer image", src="data:image/png;base64,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", style="position:relative; position:relative;margin-left:0;margin-top:0;width:56.7pt;height:22.7pt; ") - p (class="MsoHeader") - div (class="WordSection11") - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:0cm;line-height:normal;page-break-after:avoid") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black"): zlecenia badania wynosi 3 lata począwszy od roku obrotowego zakończonego 31 grudnia 2022 r. do 31 grudnia 2024 r. - p (class="MsoNormal", style="margin-top:36.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:0cm;line-height:normal;page-break-after:avoid") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black"): W imieniu firmy audytorskiej - p (class="MsoNormal", style="margin-bottom:0cm;line-height:normal;page-break-after: avoid") - b - span (style="font-family:"Arial",sans-serif; color:#00338D"): KPMG Audyt Spółka z ograniczoną odpowiedzialnością sp.k. - p (class="MsoNormal", style="margin-bottom:9.0pt;line-height:normal;page-break-after: avoid") - span (style="font-size:10.0pt;font-family: "Arial",sans-serif;color:black"): Nr na liście firm audytorskich: 3546 - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:0cm;line-height:normal;page-break-after:avoid") - i - span (style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black") Podpisano kwalifikowanym - br podpisem elektronicznym - p (class="MsoNormal", style="margin-top:18.0pt;margin-right:0cm;margin-bottom: 9.0pt;margin-left:0cm;line-height:normal;page-break-after:avoid") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black"): Marcin Podsiadły - p (class="MsoNormal", style="margin-bottom:0cm;line-height:normal;page-break-after: avoid") - span (style="font-size:10.0pt;font-family: "Arial",sans-serif;color:black"): Kluczowy biegły rewident - p (class="MsoNormal", style="margin-bottom:0cm;line-height:normal;page-break-after: avoid") - span (style="font-size:10.0pt;font-family: "Arial",sans-serif;color:black"): Nr w rejestrze 12774 - p (class="MsoNormal", style="margin-bottom:0cm;line-height:normal;page-break-after: avoid") - i - span (style="font-size:10.0pt; font-family:"Arial",sans-serif;color:black"): Pełnomocnik - p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:0cm;line-height:normal;page-break-after:avoid") - span (style="font-size:10.0pt;font-family:"Arial",sans-serif; color:black"): Warszawa, 26 lutego 2025 r. - p (class="MsoNormal", style="margin-top:12.0pt;margin-right:0cm;margin-bottom: 0cm;margin-left:0cm;line-height:normal") - span (style="font-size:10.0pt; 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- head