B

Watchlist Manager

Watchlist

Price: 10.08 PLN -0.79% Market Closed

Market Cap: zł936.9m

Income Statement

Net Interest Income

Non Interest Income

Currency: PLN

		Dec-2003	Mar-2004	Jun-2004	Sep-2004	Dec-2004	Mar-2005	Jun-2005	Sep-2005	Dec-2005	Mar-2006	Jun-2006	Sep-2006	Dec-2006	Mar-2007	Jun-2007	Sep-2007	Dec-2007	Mar-2008	Jun-2008	Sep-2008	Dec-2008	Mar-2009	Jun-2009	Sep-2009	Dec-2009	Mar-2010	Jun-2010	Sep-2010	Dec-2010	Mar-2011	Jun-2011	Sep-2011	Dec-2011	Mar-2012	Jun-2012	Sep-2012	Dec-2012	Mar-2013	Jun-2013	Sep-2013	Dec-2013	Mar-2014	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Mar-2020	Jun-2020	Sep-2020	Dec-2020	Mar-2021	Jun-2021	Sep-2021	Dec-2021	Mar-2022	Jun-2022	Sep-2022	Dec-2022	Mar-2023	Jun-2023	Sep-2023	Dec-2023	Mar-2024	Jun-2024	Sep-2024	Dec-2024	Mar-2025	Jun-2025	Sep-2025
Revenue
Net Interest Income		147	148	153	159	163	168	177	180	180	177	176	178	177	181	189	195	209	220	221	229	233	238	239	239	228	229	233	242	244	264	270	269	273	274	276	283	287	285	280	275	276	284	296	298	289	275	258	254	261	272	279	299	314	345	377	387	394	383	380	385	394	408	422	426	429	429	420	398	379	363	354	358	383	433	536	613	758	815	835	870	811	817	802	816	834	834	836	812
Interest Income		301	296	308	331	357	385	403	407	400	385	373	369	365	371	392	414	448	484	517	561	603	630	628	610	585	592	605	634	654	687	733	776	827	862	880	901	903	897	870	817	773	742	740	751	746	728	697	667	660	670	682	695	695	689	687	676	664	648	639	635	628	628	628	626	628	627	607	566	519	468	431	415	432	500	669	900	1 206	1 433	1 574	1 651	1 599	1 565	1 502	1 455	1 445	1 452	1 472	1 478
Interest Expense		155	148	154	171	194	216	226	227	220	207	197	192	188	190	203	219	238	264	296	332	370	392	389	370	358	363	372	392	410	423	463	507	554	589	604	618	616	612	590	542	496	457	444	453	457	260	438	413	399	398	304	396	381	344	310	289	270	265	259	250	235	220	206	200	199	202	187	168	148	112	84	63	56	71	134	288	448	618	739	782	788	748	699	638	611	619	636	666
Non Interest Income		109	111	117	112	143	139	137	148	153	164	166	167	177	178	194	197	185	183	168	169	166	182	199	200	216	199	222	231	255	257	243	273	264	255	259	226	212	231	235	242	279	274	271	291	283	307	315	299	271	271	257	254	257	268	271	274	273	258	276	273	267	254	225	223	233	244	268	283	318	316	310	319	321	311	322	323	282	294	281	280	320	347	335	327	300	280	333	346
Revenue		256 N/A	259 +1%	270 +4%	271 +0%	306 +13%	307 +0%	315 +2%	327 +4%	333 +2%	341 +2%	342 +0%	344 +1%	354 +3%	358 +1%	383 +7%	392 +2%	394 +0%	403 +2%	388 -4%	398 +2%	398 +0%	420 +5%	438 +4%	439 +0%	444 +1%	428 -4%	455 +6%	473 +4%	499 +6%	521 +4%	513 -1%	541 +6%	537 -1%	529 -1%	535 +1%	509 -5%	498 -2%	515 +3%	516 +0%	517 +0%	555 +7%	558 +1%	567 +2%	588 +4%	572 -3%	582 +2%	573 -1%	552 -4%	532 -4%	543 +2%	536 -1%	553 +3%	570 +3%	613 +7%	648 +6%	661 +2%	667 +1%	641 -4%	656 +2%	658 +0%	660 +0%	662 +0%	647 -2%	649 +0%	662 +2%	672 +2%	687 +2%	681 -1%	697 +2%	678 -3%	664 -2%	678 +2%	704 +4%	744 +6%	858 +15%	936 +9%	1 041 +11%	1 108 +6%	1 116 +1%	1 149 +3%	1 131 -2%	1 164 +3%	1 138 -2%	1 144 +1%	1 134 -1%	1 114 -2%	1 169 +5%	1 158 -1%
Pre-Tax Income
Loan Loss Provision		0	(2)	(3)	(6)	(14)	(11)	(24)	(17)	(13)	(13)	4	10	(4)	4	(0)	(6)	9	9	13	7	(71)	(98)	(120)	(113)	(34)	(12)	(15)	(25)	(37)	(46)	(34)	(44)	(43)	(37)	(46)	(44)	(52)	(55)	(41)	(56)	(60)	(63)	(72)	(58)	(68)	(72)	(79)	(95)	(114)	(121)	(136)	(131)	(209)	(198)	(190)	(197)	(138)	(136)	(165)	(154)	(134)	(133)	(107)	(126)	(105)	(119)	(129)	(126)	(164)	(180)	(164)	(169)	(114)	(100)	(143)	(128)	(106)	(62)	(8)	(4)	(50)	(55)	(53)	(71)	(14)	(45)	(45)	(16)
Non Interest Expense		(223)	(222)	(217)	(214)	(244)	(249)	(249)	(258)	(263)	(275)	(278)	(280)	(274)	(275)	(290)	(297)	(343)	(350)	(346)	(351)	(325)	(336)	(357)	(374)	(375)	(375)	(372)	(372)	(389)	(400)	(406)	(419)	(417)	(417)	(420)	(416)	(408)	(416)	(412)	(408)	(422)	(431)	(431)	(438)	(422)	(440)	(451)	(450)	(475)	(491)	(473)	(474)	(441)	(449)	(461)	(460)	(458)	(440)	(438)	(435)	(438)	(437)	(433)	(427)	(448)	(437)	(453)	(463)	(819)	(811)	(827)	(818)	(510)	(537)	(542)	(626)	(741)	(801)	(927)	(965)	(924)	(961)	(938)	(955)	(971)	(978)	(956)	(964)
Pre-Tax Income		32 N/A	35 +9%	50 +43%	51 +1%	48 -5%	48 +0%	41 -15%	52 +27%	57 +11%	53 -7%	68 +28%	74 +8%	76 +3%	87 +14%	92 +6%	89 -3%	60 -33%	62 +4%	55 -11%	54 -2%	2 -96%	(14) N/A	(39) -171%	(48) -24%	34 N/A	41 +20%	68 +65%	76 +12%	73 -4%	75 +3%	73 -4%	78 +8%	77 -2%	75 -3%	68 -8%	49 -28%	38 -23%	44 +16%	62 +41%	52 -15%	73 +39%	63 -13%	64 +0%	92 +45%	82 -12%	70 -14%	43 -38%	7 -84%	(57) N/A	(70) -22%	(74) -5%	(52) +30%	(79) -53%	(34) +56%	(3) +92%	4 N/A	72 +1 838%	65 -9%	53 -19%	69 +30%	89 +29%	92 +4%	108 +17%	96 -11%	110 +15%	117 +6%	106 -9%	92 -13%	(286) N/A	(313) -9%	(327) -5%	(309) +5%	79 N/A	107 +35%	173 +61%	182 +6%	194 +7%	246 +26%	182 -26%	180 -1%	157 -13%	147 -6%	147 0%	117 -20%	149 +27%	90 -39%	167 +85%	178 +7%
Net Income
Tax Provision		(10)	(10)	(19)	(19)	(11)	(12)	(11)	(15)	(16)	(14)	(17)	(16)	(16)	(17)	(11)	(12)	(13)	(14)	(18)	(17)	(2)	1	6	8	(8)	(2)	(7)	(13)	(10)	(17)	(17)	(14)	(15)	(15)	(11)	(8)	(4)	(6)	(12)	(9)	(8)	(7)	(5)	(12)	(16)	(14)	(9)	(3)	6	6	8	6	19	7	(2)	(8)	(26)	(23)	(16)	(21)	(25)	(27)	(34)	(23)	(38)	(38)	(38)	(37)	(21)	(16)	(13)	(18)	(32)	(39)	(48)	(50)	(66)	(84)	(82)	(89)	(79)	(80)	(74)	(77)	(69)	(45)	(58)	(54)
Income from Continuing Operations		23	25	31	32	37	36	30	37	42	39	52	58	60	70	81	77	47	48	37	36	0	(13)	(33)	(40)	27	40	62	63	63	59	55	65	62	60	58	41	34	38	49	43	64	56	59	81	66	56	34	4	(51)	(63)	(66)	(45)	(60)	(27)	(5)	(4)	46	42	37	48	64	65	74	73	72	79	68	55	(307)	(329)	(340)	(327)	48	69	124	133	128	162	100	91	78	67	73	41	80	46	109	124
Income to Minority Interest		0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Equity Earnings Affiliates		0	(4)	(4)	(4)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income (Common)		23 N/A	22 -5%	27 +25%	28 +3%	37 +31%	39 +8%	34 -14%	41 +20%	42 +2%	39 -6%	52 +32%	58 +13%	60 +3%	70 +16%	81 +16%	77 -4%	47 -40%	48 +4%	37 -24%	36 -1%	0 -99%	(13) N/A	(33) -155%	(40) -23%	27 N/A	40 +47%	62 +56%	63 +3%	63 N/A	59 -7%	55 -6%	65 +18%	62 -4%	60 -4%	58 -4%	41 -29%	34 -17%	38 +13%	49 +29%	43 -13%	64 +49%	56 -13%	59 +5%	81 +37%	66 -19%	56 -14%	34 -39%	4 -89%	(51) N/A	(63) -24%	(66) -3%	(45) +31%	(60) -32%	(27) +55%	(5) +82%	(4) +18%	46 N/A	42 -8%	37 -13%	48 +30%	64 +34%	65 +1%	74 +14%	73 -1%	72 -1%	79 +9%	68 -14%	55 -19%	(307) N/A	(329) -7%	(340) -3%	(327) +4%	48 N/A	69 +45%	124 +81%	133 +7%	128 -3%	162 +26%	100 -38%	91 -9%	78 -14%	67 -14%	73 +8%	41 -44%	80 +95%	46 -43%	109 +139%	124 +14%
EPS (Diluted)		1.73 N/A	1.66 -4%	2.07 +25%	2.11 +2%	2.77 +31%	2.98 +8%	2.55 -14%	3.08 +21%	3.15 +2%	2.96 -6%	3.92 +32%	4.43 +13%	4.55 +3%	5.29 +16%	5.84 +10%	5.05 -14%	3.26 -35%	3.26 N/A	2.41 -26%	2.41 N/A	0.02 -99%	-0.86 N/A	-2.16 -151%	-2.66 -23%	1.79 N/A	2.62 +46%	3.75 +43%	3.85 +3%	3.99 +4%	3.57 -11%	3.35 -6%	3.95 +18%	3.81 -4%	3.65 -4%	3.29 -10%	2.42 -26%	1.7 -30%	1.66 -2%	2.13 +28%	1.89 -11%	2.82 +49%	2.47 -12%	2.53 +2%	3.54 +40%	2.87 -19%	2.46 -14%	1.48 -40%	0.17 -89%	-2.24 N/A	-2.77 -24%	-2.87 -4%	-0.72 +75%	-1.44 -100%	-0.43 +70%	-0.07 +84%	-0.06 +14%	0.73 N/A	0.68 -7%	0.59 -13%	0.68 +15%	0.82 +21%	0.69 -16%	0.79 +14%	0.78 -1%	0.77 -1%	0.84 +9%	0.72 -14%	0.59 -18%	-3.3 N/A	-3.54 -7%	-3.66 -3%	-3.52 +4%	0.51 N/A	0.74 +45%	1.34 +81%	1.43 +7%	1.38 -3%	1.74 +26%	1.08 -38%	0.98 -9%	0.84 -14%	0.72 -14%	0.78 +8%	0.44 -44%	0.86 +95%	0.49 -43%	1.17 +139%	1.34 +15%

Income Statement Balance Sheet Cash Flow Statement

Income Statement Balance Sheet Cash Flow Statement

See Also

Relative Valuation

Wall Street Estimates

Profitability Analysis

Solvency Analysis

Join more than 322,300+ value investors using Alpha Spread

Create Free Account

or see our plans & pricing

About Us Careers Pricing Affiliate Program Terms of Service Privacy Policy

What is Intrinsic Value? Help Center Contact Us

Stock Screener Intrinsic Value Calculator DCF Value Calculator Discount Rate Calculator

Most Undervalued Stocks Wide Economic Moat Stocks High Profitability Stocks High Solvency Stocks Most Popular Stocks

© 2026 Alpha Spread Limited. All Rights Reserved.

www.alphaspread.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on www.alphaspread.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. In no event shall Alpha Spread Limited be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on www.alphaspread.com, or relating to the use of, or inability to use, www.alphaspread.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance.

Get AI-powered insights for any company or topic.

Open AI Assistant

Stock Screener

Discover stocks

Stock Comparison

Smarter decisions through side-by-side analysis

Intrinsic Value Calculator

Discover the true worth of your stocks

DCF Value Calculator

Harness the power of DCF

Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.