WSE:PKO Cash Flow 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
Net Income	10,413	9,304	5,502	3,312	4,874	-2,557
Depreciation & Amortization	766	761	699	667	669	763
Other Amortization	814	771	672	600	542	409
Gain (Loss) on Sale of Assets	-54	-60	-87	-97	-67	-4
Gain (Loss) on Sale of Investments	-	-	-	-1,919	-5,003	185
Total Asset Writedown	-	-	-	-11	-205	-122
Change in Other Net Operating Assets	-29,611	-30,826	-13,215	1,498	-6,059	10,179
Other Operating Activities	-6,790	-7,383	-1,915	-3,109	-1,897	-2,026
Operating Cash Flow	-24,462	-27,433	-8,344	941	-7,146	6,810
Capital Expenditures	-1,250	-1,252	-1,768	-1,038	-1,030	-1,382
Sale of Property, Plant and Equipment	119	137	142	255	195	162
Cash Acquisitions	-	-	-	-	-18	-
Investment in Securities	-15,343	-4,647	-52,579	2,055	-14,865	-38,597
Income (Loss) Equity Investments	-	-	-	-	-	-17
Other Investing Activities	8,223	7,601	6,627	3,766	2,419	15
Investing Cash Flow	-8,251	1,839	-47,578	5,038	-13,299	-39,802
Long-Term Debt Issued	-	25,392	13,117	9,041	11,734	6,838
Long-Term Debt Repaid	-	-18,370	-12,332	-18,533	-19,739	-8,410
Net Debt Issued (Repaid)	2,599	7,022	785	-9,492	-8,005	-1,572
Common Dividends Paid	-6,850	-4,837	-	-2,288	-	-
Net Increase (Decrease) in Deposit Accounts	36,362	21,535	59,540	17,602	39,941	26,186
Other Financing Activities	-1,487	-1,044	-751	-581	-417	-602
Financing Cash Flow	30,624	22,676	59,574	5,241	31,519	24,012
Net Cash Flow	-2,089	-2,918	3,652	11,220	11,074	-8,980
Free Cash Flow	-25,712	-28,685	-10,112	-97	-8,176	5,428
Free Cash Flow Margin	-87.49%	-104.93%	-44.29%	-0.62%	-59.64%	97.08%
Free Cash Flow Per Share	-20.57	-22.95	-8.09	-0.08	-6.54	4.34
Cash Interest Paid	10,559	11,658	12,266	581	417	602
Cash Income Tax Paid	2,952	2,854	1,793	1,429	1,744	1,552

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