Bank Polska Kasa Opieki 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	Jan '22 Jan 1, 2022	Dec '20 Dec 31, 2020
Interest Income on Loans	18,760	17,918	17,242	10,404	5,109	4,983
Interest Income on Investments	918	922	843	735	787.84	892.54
Total Interest Income	19,678	18,840	18,085	11,139	5,897	5,876
Interest Paid on Deposits	5,894	6,081	6,162	2,868	209.6	647.35
Net Interest Income	13,784	12,759	11,923	8,271	5,687	5,228
Net Interest Income Growth (YoY)	10.94%	7.01%	44.15%	45.43%	8.78%	-4.78%
Gain (Loss) on Sale of Assets	135	127	17	52	32.29	-9.28
Gain (Loss) on Sale of Investments	486	444	507	184	159.71	231.67
Other Non-Interest Income	3,136	2,941	2,887	2,797	2,776	2,500
Total Non-Interest Income	3,757	3,512	3,411	3,033	2,968	2,722
Non-Interest Income Growth (YoY)	12.18%	2.96%	12.46%	2.19%	9.03%	-5.00%
Revenues Before Loan Losses	17,541	16,271	15,334	11,304	8,656	7,951
Provision for Loan Losses	1,642	1,552	941	2,016	778.2	1,578
Revenue	15,899	14,719	14,393	9,288	7,877	6,372
Revenue Growth (YoY)	9.71%	2.27%	54.96%	17.91%	23.62%	-16.81%
Salaries and Employee Benefits	55	61	35	21	13.56	2,027
Occupancy Expenses	-	-	-	-	-	538.95
Selling, General & Administrative	5,798	5,422	4,786	4,884	4,015	1,266
Other Non-Interest Expense	973	991	971	931	771.97	708.06
Total Non-Interest Expense	6,830	6,467	5,786	5,831	4,795	4,540
EBT Excluding Unusual Items	9,069	8,252	8,607	3,457	3,082	1,832
Legal Settlements	-242	-104	-20	-527	-62.01	-101.44
Other Unusual Items	-38	-25	-22	-48	-18.3	-5.86
Pretax Income	8,789	8,123	8,565	2,882	3,002	1,725
Income Tax Expense	1,983	1,744	1,904	1,163	825.06	622.11
Earnings From Continuing Operations	6,806	6,379	6,661	1,719	2,177	1,103
Minority Interest in Earnings	-3	-3	-2	-2	-1.66	-1.19
Net Income	6,803	6,376	6,659	1,717	2,175	1,102
Net Income to Common	6,803	6,376	6,659	1,717	2,175	1,102
Net Income Growth	6.21%	-4.25%	287.83%	-21.05%	97.41%	-49.11%
Basic Shares Outstanding	262	262	262	262	262	262
Diluted Shares Outstanding	262	262	262	262	262	262
EPS (Basic)	25.92	24.29	25.37	6.54	8.29	4.20
EPS (Diluted)	25.92	24.29	25.37	6.54	8.29	4.20
EPS Growth	6.23%	-4.26%	287.92%	-21.07%	97.41%	-49.11%
Dividend Per Share	12.600	12.600	19.200	5.420	4.300	3.210
Dividend Growth	-34.38%	-34.38%	254.24%	26.05%	33.96%	-
Effective Tax Rate	22.56%	21.47%	22.23%	40.35%	27.49%	36.06%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.