Santander Bank Polska Income Statement

Financials in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	17,686	17,055	15,855	10,323	5,389	5,947
Interest Income on Investments	2,180	2,088	2,566	2,226	1,086	933.27
Total Interest Income	19,866	19,143	18,421	12,549	6,475	6,880
Interest Paid on Deposits	5,492	5,254	5,294	2,886	400.14	969.01
Net Interest Income	14,373	13,889	13,127	9,663	6,075	5,911
Net Interest Income Growth (YoY)	14.91%	5.80%	35.85%	59.06%	2.77%	-11.50%
Income From Trading Activities	-	-	-	-	267.95	-
Gain (Loss) on Sale of Assets	-12.1	-20.24	-8.84	-16.26	-15.77	8.29
Gain (Loss) on Sale of Investments	157.84	109.99	69.32	-23.05	141.75	257.71
Other Non-Interest Income	3,183	3,071	2,751	2,635	2,594	2,412
Total Non-Interest Income	3,329	3,161	2,812	2,595	2,988	2,678
Non-Interest Income Growth (YoY)	12.17%	12.42%	8.35%	-13.14%	11.57%	-2.51%
Revenues Before Loan Losses	17,702	17,050	15,939	12,258	9,063	8,589
Provision for Loan Losses	779.35	983.39	1,149	894.69	1,124	1,763
Revenue	16,923	16,067	14,790	11,363	7,939	6,826
Revenue Growth (YoY)	16.09%	8.63%	30.15%	43.14%	16.30%	-16.83%
Occupancy Expenses	650.89	614.2	569.48	523.59	578.97	593.6
Selling, General & Administrative	4,384	4,152	3,868	3,946	3,069	3,021
Other Non-Interest Expense	1,034	986.77	991.98	952.93	803	755.96
Total Non-Interest Expense	5,952	5,650	5,333	5,339	4,377	4,284
EBT Excluding Unusual Items	10,971	10,416	9,457	6,025	3,562	2,542
Asset Writedown	-13.53	-15.92	-5.43	-12.36	-60.94	-42.41
Legal Settlements	-3,044	-3,144	-2,625	-1,746	-1,475	-479.23
Other Unusual Items	3.49	3.33	9.17	9.2	21.28	14.22
Pretax Income	7,922	7,266	6,850	4,353	2,058	1,881
Income Tax Expense	2,112	2,021	1,902	1,344	805.42	643.72
Earnings From Continuing Operations	5,810	5,245	4,948	3,009	1,252	1,237
Minority Interest in Earnings	-173.58	-32.07	-116.72	-209.68	-140.72	-200.01
Net Income	5,554	5,213	4,831	2,799	1,112	1,037
Net Income to Common	5,554	5,213	4,831	2,799	1,112	1,037
Net Income Growth	5.20%	7.90%	72.59%	151.79%	7.18%	-51.50%
Basic Shares Outstanding	102	102	102	102	102	102
Diluted Shares Outstanding	102	102	102	102	102	102
Shares Change (YoY)	0.00%	-	-	-	-0.02%	0.01%
EPS (Basic)	54.35	51.01	47.28	27.39	10.88	10.16
EPS (Diluted)	54.35	51.01	47.28	27.39	10.88	10.15
EPS Growth	5.19%	7.90%	72.60%	151.78%	7.18%	-51.48%
Dividend Per Share	46.370	46.370	67.880	-	2.680	-
Dividend Growth	3.90%	-31.69%	-	-	-	-
Effective Tax Rate	26.66%	27.81%	27.77%	30.88%	39.14%	34.22%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.