| Movement in intangible assets (by type groups) in the year ended 31 December 2022 | Software, licenses and similar assets | Trademarks | Client relations | Intangible assets under development | Other intangible assets | Total intangible assets |
| Gross value at the beginning of the period |
3 873 | 622 | 1 999 | 703 | 101 | 7 298 |
| Changes: | 101 | 1 | 14 | 149 | 9 | 274 |
| purchases and in-house production | 19 | – | – | 682 | – | 701 |
| change in composition of the group | – | – | 9 | – | – | 9 |
| transfers | 523 | – | – | (531) | 8 | – |
| sale and liquidation | (129) | – | – | (1) | – | (130) |
| foreign exchange differences and other | (312) | 1 | 5 | (1) | 1 | (306) |
| Gross value at the end of the period | 3 974 | 623 | 2 013 | 852 | 110 | 7 572 |
| Accumulated amortization at the beginning of the period | (2 120) | – | (1 501) | – | (81) | (3 702) |
| Changes: | (242) | – | (104) | – | (5) | (351) |
| amortization for the period | (496) | – | (99) | – | (6) | (601) |
| sale and liquidation | 121 | – | – | – | – | 121 |
| foreign exchange differences and other | 133 | – | (5) | – | 1 | 129 |
| Accumulated amortization at the end of the period | (2 362) | – | (1 605) | – | (86) | (4 053) |
| Impairment losses at the beginning of the period | (15) | (100) | (61) | (17) | – | (193) |
| Changes charged to other operating expenses | (47) | – | – | (5) | – | (52) |
| Other changes | 6 | – | – | 2 | – | 8 |
| Impairment losses – at the end of the period | (56) | (100) | (61) | (20) | – | (237) |
| Net value of intangible assets at the end of the period | 1 556 | 523 | 347 | 832 | 24 | 3 282 |
| Movement in intangible assets (by type groups) in the year ended 31 December 2021 | Software, licenses and similar assets | Trademarks | Client relations | Intangible assets under development | Other intangible assets | Total intangible assets |
| Gross value at the beginning of the period |
3 442 | 622 | 1 999 | 565 | 99 | 6 727 |
| Changes: | 431 | – | – | 138 | 2 | 571 |
| purchases and in-house production | 23 | – | – | 782 | 2 | 807 |
| transfers | 6251) | – | – | (632) | 3 | (4) |
| sale and liquidation | (262) | – | – | (6) | (3) | (271) |
| foreign exchange differences and other | 45 | – | – | (6) | – | 39 |
| Gross value at the end of the period | 3 873 | 622 | 1 999 | 703 | 101 | 7 298 |
| Accumulated amortization at the beginning of the period | (1 871) | – | (1 373) | – | (76) | (3 320) |
| Changes: | (249) | – | (128) | – | (5) | (382) |
| amortization for the period | (498) | – | (128) | – | (8) | (634) |
| sale and liquidation | 246 | – | – | – | 3 | 249 |
| transfers | 3 | – | – | – | – | 3 |
| Accumulated amortization at the end of the period | (2 120) | – | (1 501) | – | (81) | (3 702) |
| Impairment losses at the beginning of the period | (23) | (100) | (61) | (17) | – | (201) |
| Changes charged to other operating expenses | (7) | – | – | (2) | – | (9) |
| Claims handling | 15 | – | – | 2 | – | 17 |
| Impairment losses – at the end of the period | (15) | (100) | (61) | (17) | – | (193) |
| Net value of intangible assets at the end of the period | 1 738 | 522 | 437 | 686 | 20 | 3 403 |
1) Including PLN (4) million on account of transfers to the held-for-sale category under IFRS 5. przeznaczonych do sprzedaży zgodnie z MSSF 5.
| Amortization of intangible assets, by their presentation in consolidated profit and loss account | 1 January – 31 December 2022 | 1 January – 31 December 2021 |
| Claims, benefits and movement in technical provisions | 27 | 25 |
| Acquisition expenses | 36 | 33 |
| Administrative expenses | 427 | 436 |
| Other operating expenses 1) | 111 | 140 |
| Total amortization | 601 | 634 |
1)1) Including the amortization of intangible assets purchased in company acquisition transactions in the amount of PLN 99 million (in 2021: PLN 128 million).