PRA:PKO 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	33,275	32,139	31,217	19,751	10,568
Interest Income on Investments	14	26	14	51	12
Total Interest Income	33,289	32,165	31,231	19,802	10,580
Interest Paid on Deposits	9,052	9,986	12,899	8,327	686
Net Interest Income	24,237	22,179	18,332	11,475	9,894
Net Interest Income Growth (YoY)	9.28%	20.98%	59.76%	15.98%	-4.51%
Gain (Loss) on Sale of Assets	-	60	87	97	68
Gain (Loss) on Sale of Investments	-	-74	-11	-	-31
Other Non-Interest Income	1,741	6,465	5,689	5,615	5,088
Total Non-Interest Income	1,741	6,451	5,765	5,712	5,125
Non-Interest Income Growth (YoY)	-73.01%	11.90%	0.93%	11.45%	-
Revenues Before Loan Losses	25,978	28,630	24,097	17,187	15,019
Provision for Loan Losses	894	1,292	1,265	1,501	1,309
Revenue	25,084	27,338	22,832	15,686	13,710
Revenue Growth (YoY)	-8.24%	19.73%	45.56%	14.41%	145.22%
Salaries and Employee Benefits	-	9.74	9.79	0.44	11.04
Selling, General & Administrative	9,439	8,391	7,546	7,614	5,981
Other Non-Interest Expense	1,349	1,356	1,310	1,421	1,185
Total Non-Interest Expense	10,663	9,634	8,767	8,964	7,146
EBT Excluding Unusual Items	14,421	17,704	14,065	6,722	6,564
Asset Writedown	-573	-59	-45	-21	-15
Legal Settlements	-	-4,899	-5,444	-1,919	-7
Other Unusual Items	-	-18	-14	-15	-10
Pretax Income	13,848	12,728	8,562	4,767	6,513
Income Tax Expense	3,166	3,424	3,057	1,455	1,640
Earnings From Continuing Operations	10,682	9,304	5,505	3,312	4,873
Minority Interest in Earnings	-	-	-3	-	1
Net Income	10,682	9,304	5,502	3,312	4,874
Net Income to Common	10,682	9,304	5,502	3,312	4,874
Net Income Growth	14.81%	69.10%	66.12%	-32.05%	-
Basic Shares Outstanding	1,250	1,250	1,250	1,250	1,250
Diluted Shares Outstanding	1,250	1,250	1,250	1,250	1,250
EPS (Basic)	8.55	7.44	4.40	2.65	3.90
EPS (Diluted)	8.55	7.44	4.40	2.65	3.90
EPS Growth	14.86%	69.09%	66.06%	-32.05%	-
Dividend Per Share	-	5.480	2.590	1.280	1.830
Dividend Growth	-	111.58%	102.34%	-30.05%	-
Effective Tax Rate	22.86%	26.90%	35.70%	30.52%	25.18%

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