BNP Paribas 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	8,323	8,471	8,667	5,861	3,012	3,180
Interest Income on Investments	1,798	1,787	1,171	631.87	417.29	402.93
Total Interest Income	10,121	10,258	9,838	6,493	3,429	3,583
Interest Paid on Deposits	4,145	4,504	4,602	2,989	279.87	513.27
Net Interest Income	5,976	5,754	5,236	3,504	3,149	3,070
Net Interest Income Growth (YoY)	6.09%	9.89%	49.45%	11.25%	2.60%	-3.31%
Income From Trading Activities	1,027	840.88	950.78	754.7	633.49	748.39
Gain (Loss) on Sale of Assets	29.73	5.06	4.39	-3.95	-0.68	73.63
Gain (Loss) on Sale of Investments	-14.58	-0.98	4.44	2.97	-	-
Other Non-Interest Income	1,274	1,269	1,157	1,174	1,094	934.1
Total Non-Interest Income	2,316	2,114	2,116	1,928	1,727	1,756
Non-Interest Income Growth (YoY)	14.43%	-0.09%	9.77%	11.64%	-1.66%	19.77%
Revenues Before Loan Losses	8,292	7,869	7,353	5,432	4,877	4,826
Provision for Loan Losses	165.06	246.19	34.37	275.01	266.19	601.5
Revenue	8,127	7,622	7,318	5,157	4,610	4,224
Revenue Growth (YoY)	9.88%	4.15%	41.91%	11.85%	9.14%	0.60%
Occupancy Expenses	519.75	514.45	456.74	411.75	399.55	367.96
Selling, General & Administrative	2,971	2,880	2,635	2,659	2,166	2,136
Other Non-Interest Expense	465.97	427.07	439.88	471.93	361.95	369.31
Total Non-Interest Expense	3,957	3,821	3,532	3,542	2,928	2,873
EBT Excluding Unusual Items	4,171	3,801	3,786	1,614	1,682	1,351
Legal Settlements	-635.44	-846.25	-1,992	-741.77	-1,065	-218.39
Pretax Income	3,535	2,954	1,763	871.93	616.13	1,111
Income Tax Expense	854.6	595.75	750.61	430.43	439.83	377.47
Net Income	2,680	2,358	1,013	441.5	176.3	733.1
Net Income to Common	2,680	2,358	1,013	441.5	176.3	733.1
Net Income Growth	82.49%	132.91%	129.34%	150.43%	-75.95%	19.26%
Basic Shares Outstanding	148	148	148	148	147	147
Diluted Shares Outstanding	148	148	148	148	148	148
Shares Change (YoY)	0.36%	0.08%	0.07%	0.05%	0.05%	0.09%
EPS (Basic)	18.07	15.96	6.86	2.99	1.20	4.97
EPS (Diluted)	18.05	15.94	6.85	2.99	1.19	4.96
EPS Growth	81.94%	132.70%	129.10%	151.26%	-76.01%	18.95%
Dividend Per Share	7.860	7.860	3.410	-	-	-
Dividend Growth	130.50%	130.50%	-	-	-	-
Effective Tax Rate	24.18%	20.17%	42.57%	49.36%	71.39%	33.99%

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