Bank Polska Kasa Opieki 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	Jan '22 Jan 1, 2022
Interest Income on Loans	18,360	17,918	17,242	10,404	5,109
Interest Income on Investments	889	922	843	735	787.84
Total Interest Income	19,249	18,840	18,085	11,139	5,897
Interest Paid on Deposits	5,522	6,081	6,162	2,868	209.6
Net Interest Income	13,727	12,759	11,923	8,271	5,687
Net Interest Income Growth (YoY)	7.59%	7.01%	44.15%	45.43%	8.78%
Gain (Loss) on Sale of Assets	-	127	17	52	32.29
Gain (Loss) on Sale of Investments	448	444	507	184	159.71
Other Non-Interest Income	3,403	2,941	2,887	2,797	2,776
Total Non-Interest Income	3,851	3,512	3,411	3,033	2,968
Non-Interest Income Growth (YoY)	9.65%	2.96%	12.46%	2.19%	9.03%
Revenues Before Loan Losses	17,578	16,271	15,334	11,304	8,656
Provision for Loan Losses	1,424	1,552	941	2,016	778.2
Revenue	16,154	14,719	14,393	9,288	7,877
Revenue Growth (YoY)	9.75%	2.27%	54.96%	17.91%	23.62%
Salaries and Employee Benefits	-	61	35	21	13.56
Selling, General & Administrative	6,775	5,422	4,786	4,884	4,015
Other Non-Interest Expense	413	991	971	931	771.97
Total Non-Interest Expense	7,193	6,467	5,786	5,831	4,795
EBT Excluding Unusual Items	8,961	8,252	8,607	3,457	3,082
Legal Settlements	-	-104	-20	-527	-62.01
Other Unusual Items	-	-25	-22	-48	-18.3
Pretax Income	8,961	8,123	8,565	2,882	3,002
Income Tax Expense	1,942	1,744	1,904	1,163	825.06
Earnings From Continuing Operations	7,019	6,379	6,661	1,719	2,177
Minority Interest in Earnings	-4	-3	-2	-2	-1.66
Net Income	7,015	6,376	6,659	1,717	2,175
Net Income to Common	7,015	6,376	6,659	1,717	2,175
Net Income Growth	10.02%	-4.25%	287.83%	-21.05%	97.41%
Basic Shares Outstanding	262	262	262	262	262
Diluted Shares Outstanding	262	262	262	262	262
Shares Change (YoY)	-0.01%	-	-	-	-
EPS (Basic)	26.73	24.29	25.37	6.54	8.29
EPS (Diluted)	26.73	24.29	25.37	6.54	8.29
EPS Growth	10.04%	-4.26%	287.92%	-21.07%	97.41%
Dividend Per Share	-	12.600	19.200	5.420	4.300
Dividend Growth	-	-34.38%	254.24%	26.05%	33.96%
Effective Tax Rate	21.67%	21.47%	22.23%	40.35%	27.49%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.