Bank Polska Kasa Opieki S.A. (WSE:PEO)

Bank Polska Kasa Opieki Balance Sheet

Financials in millions PLN. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Jan 1, 2022	Dec 31, 2020
Cash & Equivalents	16,000	14,269	14,715	17,693	6,739	6,855
Investment Securities	123,869	133,922	110,037	81,098	67,834	70,484
Trading Asset Securities	7,260	5,742	11,584	16,250	8,508	6,454
Total Investments	131,129	139,664	121,621	97,348	76,341	76,938
Gross Loans	188,403	177,880	167,563	168,923	167,000	149,883
Allowance for Loan Losses	-6,405	-5,898	-6,280	-10,045	-7,814	-7,238
Other Adjustments to Gross Loans	-	-1,475	-1,400	-1,349	-637.38	-408.16
Net Loans	181,998	170,507	159,883	157,529	158,548	142,236
Property, Plant & Equipment	2,076	2,025	1,946	1,572	1,830	1,919
Goodwill	-	749	749	749	748.55	747.65
Other Intangible Assets	2,508	1,345	1,446	1,491	1,541	1,250
Accrued Interest Receivable	-	323	248	178	177.56	219.98
Other Receivables	1	708	524	821	475.51	267.38
Restricted Cash	-	-	-	-	996.87	150.2
Other Current Assets	14	369	32	173	113.04	561
Long-Term Deferred Tax Assets	1,282	1,343	1,102	1,579	1,649	1,249
Other Long-Term Assets	3,216	2,280	3,166	1,993	1,396	812.81
Total Assets	338,224	334,242	305,789	281,139	250,567	233,217
Accrued Expenses	59	967	784	591	509.63	786.78
Interest Bearing Deposits	66,975	73,116	62,734	54,471	15,221	22,557
Non-Interest Bearing Deposits	196,893	187,535	171,676	158,511	182,384	157,911
Total Deposits	263,868	260,651	234,410	212,982	197,604	180,468
Short-Term Borrowings	5,781	6,685	12,373	19,628	11,039	6,433
Current Portion of Leases	-	87	72	89	-	-
Current Income Taxes Payable	321	1,356	1,492	4	4.97	312.01
Other Current Liabilities	900	2,599	1,952	1,085	1,119	763.08
Long-Term Debt	25,955	24,331	18,004	18,283	12,694	15,210
Long-Term Leases	739	620	507	183	358.05	406.41
Long-Term Unearned Revenue	-	340	291	262	207.05	207.4
Pension & Post-Retirement Benefits	1,752	264	269	237	225.91	-
Long-Term Deferred Tax Liabilities	17	18	21	23	24.91	27.79
Other Long-Term Liabilities	5,616	4,410	5,186	4,997	2,916	3,108
Total Liabilities	305,008	302,328	275,361	258,364	226,703	207,722
Common Stock	262	262	262	262	262.47	262.47
Additional Paid-In Capital	9,137	9,453	9,448	9,447	9,463	9,475
Retained Earnings	23,260	22,886	21,555	16,305	15,701	14,347
Comprehensive Income & Other	544	-700	-849	-3,251	-1,575	1,399
Total Common Equity	33,203	31,901	30,416	22,763	23,851	25,484
Minority Interest	13	13	12	12	11.86	11.35
Shareholders' Equity	33,216	31,914	30,428	22,775	23,863	25,495
Total Liabilities & Equity	338,224	334,242	305,789	281,139	250,567	233,217
Total Debt	32,475	31,723	30,956	38,183	24,092	22,049
Net Cash (Debt)	-4,341	-7,022	-2,873	-2,626	-7,876	-8,460
Net Cash Per Share	-16.54	-26.75	-10.95	-10.00	-30.01	-32.23
Filing Date Shares Outstanding	262.47	262.47	262.47	262.47	262.47	262.47
Total Common Shares Outstanding	262.47	262.47	262.47	262.47	262.47	262.47
Book Value Per Share	126.50	121.54	115.88	86.73	90.87	97.09
Tangible Book Value	30,695	29,807	28,221	20,523	21,562	23,486
Tangible Book Value Per Share	116.95	113.56	107.52	78.19	82.15	89.48

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