Santander Bank Polska Income Statement

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

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	15,216	17,055	15,855	10,323	5,389
Interest Income on Investments	1,968	2,088	2,566	2,226	1,086
Total Interest Income	17,184	19,143	18,421	12,549	6,475
Interest Paid on Deposits	4,465	5,254	5,294	2,886	400.14
Net Interest Income	12,719	13,889	13,127	9,663	6,075
Net Interest Income Growth (YoY)	-8.43%	5.80%	35.85%	59.06%	2.77%
Income From Trading Activities	266.6	108.33	232.18	-	267.95
Gain (Loss) on Sale of Assets	-	-20.24	-8.84	-16.26	-15.77
Gain (Loss) on Sale of Investments	11.12	109.99	69.32	-23.05	141.75
Other Non-Interest Income	3,025	2,963	2,519	2,635	2,594
Total Non-Interest Income	3,303	3,161	2,812	2,595	2,988
Non-Interest Income Growth (YoY)	4.49%	12.42%	8.35%	-13.14%	11.57%
Revenues Before Loan Losses	16,022	17,050	15,939	12,258	9,063
Provision for Loan Losses	585.9	983.39	1,149	894.69	1,124
Revenue	15,436	16,067	14,790	11,363	7,939
Revenue Growth (YoY)	-3.93%	8.63%	30.15%	43.14%	16.30%
Occupancy Expenses	598.73	614.2	569.48	523.59	578.97
Selling, General & Administrative	4,127	4,152	3,868	3,946	3,069
Other Non-Interest Expense	968.5	986.77	991.98	952.93	803
Total Non-Interest Expense	5,579	5,650	5,333	5,339	4,377
EBT Excluding Unusual Items	9,857	10,416	9,457	6,025	3,562
Asset Writedown	-	-15.92	-5.43	-12.36	-60.94
Legal Settlements	-1,597	-3,144	-2,625	-1,746	-1,475
Other Unusual Items	-	3.33	9.17	9.2	21.28
Pretax Income	8,260	7,266	6,850	4,353	2,058
Income Tax Expense	1,727	2,021	1,902	1,344	805.42
Earnings From Continuing Operations	6,533	5,245	4,948	3,009	1,252
Earnings From Discontinued Operations	231.73	-	-	-	-
Minority Interest in Earnings	-286.03	-32.07	-116.72	-209.68	-140.72
Net Income	6,479	5,213	4,831	2,799	1,112
Net Income to Common	6,479	5,213	4,831	2,799	1,112
Net Income Growth	24.29%	7.90%	72.59%	151.79%	7.18%
Basic Shares Outstanding	102	102	102	102	102
Diluted Shares Outstanding	102	102	102	102	102
Shares Change (YoY)	-	-	-	-	-0.02%
EPS (Basic)	63.40	51.01	47.28	27.39	10.88
EPS (Diluted)	63.40	51.01	47.28	27.39	10.88
EPS Growth	24.29%	7.90%	72.60%	151.78%	7.18%
Dividend Per Share	-	46.370	67.880	-	2.680
Dividend Growth	-	-31.69%	-	-	-
Effective Tax Rate	20.91%	27.81%	27.77%	30.88%	39.14%

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