BNP Paribas 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
Net Interest Income	5,892	5,741	5,225	3,493	3,141
Net Interest Income Growth	2.63%	9.87%	49.60%	11.21%	2.64%
Non-Interest Income	2,293	2,012	2,057	1,859	1,668
Non-Interest Income Growth	13.98%	-2.22%	10.67%	11.43%	1.44%
Revenues Before Loan Losses	8,185	7,753	7,283	5,352	4,809
Provision for Credit Losses	174.5	246.19	34.37	275.01	266.19
Revenue	8,010	7,507	7,248	5,077	4,543
Revenue Growth	6.71%	3.56%	42.77%	11.75%	10.72%
Selling, General & Admin	2,840	2,837	2,639	2,627	2,144
Other Non-Interest Expenses	1,421	1,715	2,846	1,578	1,783
Total Non-Interest Expense	4,261	4,553	5,485	4,205	3,927
Pretax Income	3,750	2,954	1,763	871.93	616.13
Provision for Income Taxes	691.94	595.75	750.61	430.43	439.83
Net Income	3,058	2,358	1,013	441.5	176.3
Net Income to Common	3,058	2,358	1,013	441.5	176.3
Net Income Growth	29.66%	132.91%	129.34%	150.43%	-75.95%
Shares Outstanding (Basic)	148	148	148	148	147
Shares Outstanding (Diluted)	149	148	148	148	148
Shares Change	0.45%	0.08%	0.07%	0.05%	0.05%
EPS (Basic)	20.60	15.96	6.86	2.51	1.20
EPS (Diluted)	20.58	15.94	6.85	2.51	1.19
EPS Growth	29.11%	132.70%	172.91%	110.92%	-75.96%

Additional Metrics

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
Free Cash Flow	10,314	14,637	5,876	15,397	1,816
Free Cash Flow Growth	-29.53%	149.12%	-61.84%	747.95%	-61.36%
Free Cash Flow Per Share	69.42	98.95	39.75	104.25	12.30
Dividends Per Share	10.200	7.860	3.410	-	-
Dividend Growth	29.77%	130.50%	-	-	-
Profit Margin	38.17%	31.42%	13.97%	8.70%	3.88%
FCF Margin	128.76%	194.99%	81.06%	303.27%	39.97%
Effective Tax Rate	18.45%	20.17%	42.57%	49.37%	71.39%