WSE:PKO Income Statement

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

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Interest Income on Loans	32,017	33,275	32,139	31,217	19,751	10,568
Interest Income on Investments	56	14	26	14	51	12
Total Interest Income	32,073	33,289	32,165	31,231	19,802	10,580
Interest Paid on Deposits	7,492	9,052	9,986	12,899	8,327	686
Net Interest Income	24,581	24,237	22,179	18,332	11,475	9,894
Net Interest Income Growth	0.77%	9.28%	20.98%	59.76%	15.98%	-4.51%
Gain (Loss) on Sale of Assets	27	27	60	87	97	68
Gain (Loss) on Sale of Investments	-60	-64	-74	-11	-	-31
Other Non-Interest Income	4,954	6,127	6,475	5,689	5,615	5,088
Total Non-Interest Income	4,921	6,090	6,461	5,765	5,712	5,125
Non-Interest Income Growth	-22.82%	-5.74%	12.07%	0.93%	11.45%	-
Revenues Before Loan Losses	29,502	30,327	28,640	24,097	17,187	15,019
Provision for Loan Losses	1,152	1,178	1,292	1,265	1,501	1,309
Revenue	28,350	29,149	27,348	22,832	15,686	13,710
Revenue Growth	-3.77%	6.59%	19.78%	45.56%	14.41%	145.22%
Salaries and Employee Benefits	-	-	-	9.79	0.44	11.04
Selling, General & Administrative	9,672	9,340	8,401	7,546	7,614	5,981
Other Non-Interest Expense	1,469	1,448	1,356	1,310	1,421	1,185
Total Non-Interest Expense	11,033	10,663	9,634	8,767	8,964	7,146
EBT Excluding Unusual Items	17,317	18,486	17,714	14,065	6,722	6,564
Asset Writedown	-92	-173	-59	-45	-21	-15
Legal Settlements	-1,075	-4,450	-4,909	-5,444	-1,919	-7
Other Unusual Items	-15	-15	-18	-14	-15	-10
Pretax Income	16,135	13,848	12,728	8,562	4,767	6,513
Income Tax Expense	5,198	3,166	3,424	3,057	1,455	1,640
Earnings From Continuing Operations	10,937	10,682	9,304	5,505	3,312	4,873
Minority Interest in Earnings	1	-	-	-3	-	1
Net Income	10,938	10,682	9,304	5,502	3,312	4,874
Net Income to Common	10,938	10,682	9,304	5,502	3,312	4,874
Net Income Growth	5.04%	14.81%	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
Shares Change	-0.02%	-	-	-	-	-
EPS (Basic)	8.75	8.55	7.44	4.40	2.65	3.90
EPS (Diluted)	8.75	8.55	7.44	4.40	2.65	3.90
EPS Growth	5.10%	14.86%	69.09%	66.06%	-32.05%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	6.140	6.140	5.480	2.590	1.280	1.830
Dividend Growth	12.04%	12.04%	111.58%	102.34%	-30.05%	-
Effective Tax Rate	32.22%	22.86%	26.90%	35.70%	30.52%	25.18%