WSE:PKO 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	33,742	32,139	31,217	19,751	10,568	11,801
Interest Income on Investments	17	26	14	51	12	15
Total Interest Income	33,759	32,165	31,231	19,802	10,580	11,816
Interest Paid on Deposits	9,365	9,986	12,899	8,327	686	1,455
Net Interest Income	24,394	22,179	18,332	11,475	9,894	10,361
Net Interest Income Growth (YoY)	15.76%	20.98%	59.76%	15.98%	-4.51%	0.55%
Gain (Loss) on Sale of Assets	60	60	87	97	68	4
Gain (Loss) on Sale of Investments	-66	-74	-11	-	-31	-205
Other Non-Interest Income	6,310	6,465	5,689	5,615	5,088	-2,395
Total Non-Interest Income	6,304	6,451	5,765	5,712	5,125	-2,596
Non-Interest Income Growth (YoY)	-1.11%	11.90%	0.93%	11.45%	-	-
Revenues Before Loan Losses	30,698	28,630	24,097	17,187	15,019	7,765
Provision for Loan Losses	1,309	1,292	1,265	1,501	1,309	2,174
Revenue	29,389	27,338	22,832	15,686	13,710	5,591
Revenue Growth (YoY)	11.79%	19.73%	45.56%	14.41%	145.22%	-56.31%
Salaries and Employee Benefits	6.73	9.74	9.79	0.44	11.04	-
Selling, General & Administrative	9,115	8,391	7,546	7,614	5,981	5,900
Other Non-Interest Expense	1,426	1,356	1,310	1,421	1,185	1,122
Total Non-Interest Expense	10,419	9,634	8,767	8,964	7,146	7,006
EBT Excluding Unusual Items	18,970	17,704	14,065	6,722	6,564	-1,415
Asset Writedown	-53	-59	-45	-21	-15	-64
Legal Settlements	-4,960	-4,899	-5,444	-1,919	-7	-54
Other Unusual Items	-18	-18	-14	-15	-10	-
Pretax Income	13,939	12,728	8,562	4,767	6,513	-1,696
Income Tax Expense	3,526	3,424	3,057	1,455	1,640	865
Earnings From Continuing Operations	10,413	9,304	5,505	3,312	4,873	-2,561
Minority Interest in Earnings	-	-	-3	-	1	4
Net Income	10,413	9,304	5,502	3,312	4,874	-2,557
Net Income to Common	10,413	9,304	5,502	3,312	4,874	-2,557
Net Income Growth	38.14%	69.10%	66.12%	-32.05%	-	-
Basic Shares Outstanding	1,250	1,250	1,250	1,250	1,250	1,250
Diluted Shares Outstanding	1,250	1,250	1,250	1,250	1,250	1,250
EPS (Basic)	8.33	7.44	4.40	2.65	3.90	-2.05
EPS (Diluted)	8.33	7.44	4.40	2.65	3.90	-2.05
EPS Growth	38.18%	69.09%	66.06%	-32.05%	-	-
Dividend Per Share	5.480	5.480	2.590	1.280	1.830	-
Dividend Growth	111.58%	111.58%	102.34%	-30.05%	-	-
Effective Tax Rate	25.30%	26.90%	35.70%	30.52%	25.18%	-

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