Powszechna Kasa Oszczednosci Bank Polski SA
WSE:PKO
Income Statement
Income Statement
Powszechna Kasa Oszczednosci Bank Polski SA
| 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 |
3 513
|
3 602
|
3 642
|
3 661
|
3 544
|
3 590
|
3 624
|
3 704
|
3 832
|
3 963
|
4 114
|
4 353
|
4 647
|
5 036
|
5 439
|
5 823
|
6 127
|
5 893
|
5 513
|
5 252
|
5 051
|
5 333
|
5 816
|
6 203
|
6 516
|
6 761
|
7 025
|
7 270
|
7 609
|
7 949
|
8 077
|
8 090
|
8 089
|
7 783
|
7 428
|
7 077
|
6 722
|
6 709
|
7 020
|
7 372
|
7 523
|
7 454
|
7 198
|
7 038
|
7 029
|
7 211
|
7 437
|
7 590
|
7 755
|
7 948
|
8 152
|
8 378
|
8 606
|
8 772
|
8 945
|
9 114
|
9 353
|
9 588
|
9 839
|
10 133
|
10 290
|
10 257
|
10 258
|
10 044
|
10 346
|
9 678
|
9 544
|
9 594
|
9 882
|
10 511
|
11 782
|
10 102
|
11 424
|
13 766
|
14 482
|
18 328
|
18 318
|
19 323
|
19 985
|
21 050
|
22 153
|
22 937
|
24 036
|
24 371
|
|
| Interest Income |
5 310
|
5 478
|
5 639
|
5 694
|
5 662
|
5 551
|
5 501
|
5 518
|
5 595
|
5 748
|
5 904
|
6 185
|
6 559
|
7 054
|
7 712
|
8 349
|
9 034
|
9 283
|
9 189
|
9 161
|
9 031
|
9 274
|
9 732
|
10 112
|
10 415
|
10 657
|
10 985
|
11 463
|
12 038
|
12 575
|
12 923
|
13 070
|
13 198
|
12 887
|
12 411
|
11 665
|
10 763
|
10 284
|
10 308
|
10 592
|
10 737
|
10 703
|
10 281
|
9 880
|
9 658
|
9 617
|
9 722
|
9 806
|
9 964
|
10 193
|
10 425
|
10 688
|
10 919
|
11 047
|
11 191
|
11 343
|
11 594
|
11 904
|
12 208
|
12 527
|
12 637
|
12 924
|
12 759
|
12 191
|
11 801
|
10 987
|
10 574
|
10 544
|
10 568
|
11 954
|
14 792
|
15 702
|
20 140
|
23 620
|
26 027
|
30 479
|
31 217
|
31 693
|
31 423
|
31 584
|
32 139
|
32 637
|
33 582
|
33 742
|
|
| Interest Expense |
1 798
|
1 877
|
1 997
|
2 032
|
2 118
|
1 961
|
1 877
|
1 814
|
1 763
|
1 786
|
1 790
|
1 833
|
1 913
|
2 018
|
2 274
|
2 526
|
2 906
|
3 390
|
3 676
|
3 908
|
3 980
|
3 942
|
3 916
|
3 909
|
3 899
|
3 895
|
3 960
|
4 193
|
4 429
|
4 626
|
4 846
|
4 980
|
5 109
|
5 105
|
4 983
|
4 587
|
4 042
|
3 575
|
3 288
|
3 220
|
3 215
|
3 249
|
3 083
|
2 843
|
2 629
|
2 406
|
2 285
|
2 216
|
2 210
|
2 245
|
2 273
|
2 310
|
2 313
|
2 275
|
2 246
|
2 229
|
2 241
|
2 316
|
2 369
|
2 394
|
2 347
|
2 667
|
2 501
|
2 147
|
1 455
|
1 309
|
1 030
|
950
|
686
|
1 443
|
3 047
|
5 637
|
8 327
|
10 820
|
11 545
|
13 080
|
12 899
|
12 370
|
11 438
|
10 534
|
9 986
|
9 700
|
9 546
|
9 371
|
|
| Non Interest Income |
2 930
|
2 718
|
2 835
|
3 152
|
3 366
|
3 527
|
3 415
|
3 319
|
3 606
|
3 646
|
3 900
|
4 016
|
4 069
|
4 096
|
4 277
|
4 343
|
4 240
|
4 504
|
4 679
|
4 756
|
4 893
|
4 811
|
4 632
|
4 722
|
4 712
|
4 691
|
4 678
|
4 584
|
4 558
|
4 569
|
4 581
|
4 693
|
4 669
|
4 617
|
4 641
|
4 663
|
5 377
|
5 478
|
5 683
|
5 665
|
5 072
|
5 036
|
4 839
|
4 719
|
4 719
|
4 664
|
5 124
|
5 375
|
5 280
|
5 394
|
5 094
|
4 990
|
5 143
|
5 260
|
5 297
|
5 356
|
5 354
|
5 428
|
5 564
|
5 604
|
5 678
|
6 576
|
6 341
|
6 406
|
5 594
|
6 156
|
6 561
|
6 825
|
6 687
|
7 134
|
7 265
|
7 552
|
8 109
|
6 583
|
6 617
|
6 644
|
8 342
|
8 272
|
8 756
|
9 095
|
9 392
|
9 489
|
9 559
|
9 705
|
|
| Revenue |
6 443
N/A
|
6 320
-2%
|
6 477
+2%
|
6 813
+5%
|
6 910
+1%
|
7 117
+3%
|
7 039
-1%
|
7 023
0%
|
7 438
+6%
|
7 609
+2%
|
8 014
+5%
|
8 369
+4%
|
8 716
+4%
|
9 132
+5%
|
9 716
+6%
|
10 166
+5%
|
10 367
+2%
|
10 397
+0%
|
10 192
-2%
|
10 008
-2%
|
9 944
-1%
|
10 144
+2%
|
10 447
+3%
|
10 925
+5%
|
11 228
+3%
|
11 452
+2%
|
11 703
+2%
|
11 853
+1%
|
12 167
+3%
|
12 517
+3%
|
12 658
+1%
|
12 783
+1%
|
12 758
0%
|
12 400
-3%
|
12 069
-3%
|
11 740
-3%
|
12 099
+3%
|
12 187
+1%
|
12 703
+4%
|
13 037
+3%
|
12 595
-3%
|
12 490
-1%
|
12 038
-4%
|
11 756
-2%
|
11 748
0%
|
11 875
+1%
|
12 561
+6%
|
12 965
+3%
|
13 035
+1%
|
13 341
+2%
|
13 246
-1%
|
13 367
+1%
|
13 749
+3%
|
14 032
+2%
|
14 242
+1%
|
14 470
+2%
|
14 707
+2%
|
15 016
+2%
|
15 403
+3%
|
15 737
+2%
|
15 968
+1%
|
16 833
+5%
|
16 599
-1%
|
16 450
-1%
|
15 940
-3%
|
15 834
-1%
|
16 105
+2%
|
16 419
+2%
|
16 569
+1%
|
17 645
+6%
|
19 047
+8%
|
17 654
-7%
|
19 533
+11%
|
20 349
+4%
|
21 099
+4%
|
24 972
+18%
|
26 660
+7%
|
27 595
+4%
|
28 741
+4%
|
30 145
+5%
|
31 545
+5%
|
32 426
+3%
|
33 595
+4%
|
34 076
+1%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
0
|
0
|
0
|
0
|
(60)
|
(26)
|
(41)
|
(25)
|
0
|
26
|
(72)
|
(114)
|
(125)
|
(84)
|
(121)
|
(347)
|
(1 023)
|
(1 370)
|
(1 610)
|
(1 723)
|
(1 583)
|
(1 635)
|
(1 703)
|
(1 897)
|
(1 746)
|
(1 882)
|
(1 867)
|
(1 796)
|
(1 839)
|
(2 020)
|
(2 150)
|
(2 320)
|
(2 325)
|
(2 275)
|
(2 157)
|
(2 001)
|
(2 028)
|
(1 961)
|
(2 024)
|
(1 865)
|
(1 709)
|
(1 649)
|
(1 513)
|
(1 479)
|
(1 395)
|
(1 392)
|
(1 384)
|
(1 446)
|
(1 497)
|
(1 526)
|
(1 524)
|
(1 547)
|
(1 501)
|
(1 450)
|
(1 440)
|
(1 382)
|
(1 373)
|
(1 373)
|
(1 330)
|
(1 267)
|
(1 148)
|
(1 314)
|
(1 380)
|
(1 477)
|
(2 174)
|
(1 907)
|
(1 783)
|
(1 775)
|
(1 309)
|
(1 639)
|
(1 596)
|
(1 683)
|
(1 501)
|
(1 330)
|
(1 327)
|
(1 116)
|
(1 265)
|
(2 477)
|
(3 495)
|
(3 479)
|
(966)
|
(1 946)
|
(994)
|
(983)
|
|
| Non Interest Expense |
(4 573)
|
(4 442)
|
(4 574)
|
(4 712)
|
(4 684)
|
(4 855)
|
(4 715)
|
(4 566)
|
(4 736)
|
(4 673)
|
(4 847)
|
(5 010)
|
(4 981)
|
(5 121)
|
(5 248)
|
(5 284)
|
(5 367)
|
(5 545)
|
(5 460)
|
(5 466)
|
(5 418)
|
(5 358)
|
(5 365)
|
(5 388)
|
(5 403)
|
(5 309)
|
(5 381)
|
(5 415)
|
(5 548)
|
(5 551)
|
(5 585)
|
(5 658)
|
(5 800)
|
(5 785)
|
(5 829)
|
(5 869)
|
(6 026)
|
(6 136)
|
(6 468)
|
(6 798)
|
(6 852)
|
(6 999)
|
(6 891)
|
(6 730)
|
(7 162)
|
(7 305)
|
(7 717)
|
(8 035)
|
(7 755)
|
(8 040)
|
(7 946)
|
(7 876)
|
(7 999)
|
(8 047)
|
(8 165)
|
(8 260)
|
(8 256)
|
(8 407)
|
(8 347)
|
(8 468)
|
(9 001)
|
(10 137)
|
(10 346)
|
(10 685)
|
(15 462)
|
(14 943)
|
(14 798)
|
(14 507)
|
(8 747)
|
(9 104)
|
(11 421)
|
(11 981)
|
(13 265)
|
(14 171)
|
(14 778)
|
(14 682)
|
(16 833)
|
(15 785)
|
(13 894)
|
(15 507)
|
(17 851)
|
(17 105)
|
(18 723)
|
(19 154)
|
|
| Pre-Tax Income |
1 870
N/A
|
1 878
+0%
|
1 904
+1%
|
2 102
+10%
|
2 167
+3%
|
2 236
+3%
|
2 284
+2%
|
2 433
+7%
|
2 701
+11%
|
2 962
+10%
|
3 095
+4%
|
3 246
+5%
|
3 609
+11%
|
3 927
+9%
|
4 346
+11%
|
4 535
+4%
|
3 977
-12%
|
3 483
-12%
|
3 122
-10%
|
2 819
-10%
|
2 943
+4%
|
3 151
+7%
|
3 380
+7%
|
3 640
+8%
|
4 079
+12%
|
4 262
+4%
|
4 455
+5%
|
4 642
+4%
|
4 781
+3%
|
4 947
+3%
|
4 923
0%
|
4 805
-2%
|
4 633
-4%
|
4 339
-6%
|
4 083
-6%
|
3 871
-5%
|
4 044
+4%
|
4 090
+1%
|
4 212
+3%
|
4 374
+4%
|
4 035
-8%
|
3 842
-5%
|
3 634
-5%
|
3 548
-2%
|
3 191
-10%
|
3 178
0%
|
3 460
+9%
|
3 485
+1%
|
3 783
+9%
|
3 776
0%
|
3 776
N/A
|
3 944
+4%
|
4 249
+8%
|
4 535
+7%
|
4 637
+2%
|
4 828
+4%
|
5 078
+5%
|
5 236
+3%
|
5 726
+9%
|
6 002
+5%
|
5 819
-3%
|
5 382
-8%
|
4 873
-9%
|
4 288
-12%
|
(1 696)
N/A
|
(1 016)
+40%
|
(476)
+53%
|
137
N/A
|
6 513
+4 654%
|
6 902
+6%
|
6 030
-13%
|
3 990
-34%
|
4 767
+19%
|
4 848
+2%
|
4 994
+3%
|
9 174
+84%
|
8 562
-7%
|
9 333
+9%
|
11 352
+22%
|
11 159
-2%
|
12 728
+14%
|
13 375
+5%
|
13 878
+4%
|
13 939
+0%
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(362)
|
(363)
|
(365)
|
(413)
|
(411)
|
(404)
|
(430)
|
(441)
|
(494)
|
(565)
|
(569)
|
(595)
|
(668)
|
(708)
|
(843)
|
(878)
|
(838)
|
(760)
|
(686)
|
(650)
|
(631)
|
(663)
|
(727)
|
(783)
|
(866)
|
(897)
|
(905)
|
(923)
|
(976)
|
(1 009)
|
(1 003)
|
(981)
|
(895)
|
(820)
|
(759)
|
(716)
|
(816)
|
(849)
|
(874)
|
(914)
|
(792)
|
(763)
|
(702)
|
(674)
|
(589)
|
(574)
|
(687)
|
(755)
|
(907)
|
(1 009)
|
(1 023)
|
(1 062)
|
(1 140)
|
(1 198)
|
(1 225)
|
(1 273)
|
(1 336)
|
(1 389)
|
(1 594)
|
(1 686)
|
(1 787)
|
(1 712)
|
(1 617)
|
(1 549)
|
(865)
|
(869)
|
(976)
|
(1 042)
|
(1 640)
|
(1 789)
|
(1 732)
|
(1 189)
|
(1 455)
|
(1 477)
|
(1 456)
|
(2 618)
|
(3 057)
|
(3 238)
|
(3 495)
|
(3 617)
|
(3 424)
|
(3 645)
|
(3 838)
|
(3 526)
|
|
| Income from Continuing Operations |
1 508
|
1 515
|
1 539
|
1 688
|
1 756
|
1 832
|
1 854
|
1 992
|
2 207
|
2 398
|
2 526
|
2 650
|
2 941
|
3 219
|
3 504
|
3 657
|
3 139
|
2 723
|
2 436
|
2 169
|
2 312
|
2 488
|
2 653
|
2 857
|
3 213
|
3 364
|
3 549
|
3 720
|
3 805
|
3 939
|
3 920
|
3 825
|
3 737
|
3 519
|
3 324
|
3 155
|
3 228
|
3 241
|
3 338
|
3 460
|
3 243
|
3 080
|
2 932
|
2 873
|
2 601
|
2 604
|
2 773
|
2 729
|
2 876
|
2 766
|
2 753
|
2 883
|
3 109
|
3 337
|
3 412
|
3 555
|
3 742
|
3 847
|
4 132
|
4 316
|
4 032
|
3 670
|
3 256
|
2 739
|
(2 561)
|
(1 885)
|
(1 452)
|
(905)
|
4 873
|
5 113
|
4 298
|
2 801
|
3 312
|
3 371
|
3 538
|
6 556
|
5 505
|
6 095
|
7 857
|
7 542
|
9 304
|
9 730
|
10 040
|
10 413
|
|
| Income to Minority Interest |
(2)
|
0
|
4
|
(4)
|
(21)
|
(31)
|
(54)
|
(64)
|
(58)
|
(58)
|
(46)
|
(39)
|
(38)
|
(37)
|
(35)
|
(29)
|
(19)
|
(12)
|
(13)
|
(12)
|
(6)
|
(3)
|
5
|
9
|
4
|
4
|
4
|
4
|
2
|
2
|
2
|
2
|
1
|
1
|
1
|
1
|
2
|
5
|
11
|
10
|
11
|
19
|
15
|
15
|
8
|
(3)
|
(2)
|
(4)
|
(2)
|
(6)
|
(9)
|
(6)
|
(5)
|
(1)
|
0
|
(3)
|
(1)
|
(1)
|
(2)
|
1
|
(1)
|
2
|
2
|
2
|
4
|
2
|
2
|
1
|
1
|
0
|
1
|
3
|
0
|
0
|
(2)
|
(2)
|
(3)
|
(3)
|
(1)
|
(4)
|
0
|
(1)
|
(1)
|
0
|
|
| Net Income (Common) |
1 507
N/A
|
1 516
+1%
|
1 542
+2%
|
1 685
+9%
|
1 735
+3%
|
1 801
+4%
|
1 800
0%
|
1 928
+7%
|
2 149
+11%
|
2 340
+9%
|
2 480
+6%
|
2 612
+5%
|
2 904
+11%
|
3 182
+10%
|
3 469
+9%
|
3 627
+5%
|
3 121
-14%
|
2 710
-13%
|
2 423
-11%
|
2 157
-11%
|
2 306
+7%
|
2 485
+8%
|
2 657
+7%
|
2 866
+8%
|
3 217
+12%
|
3 368
+5%
|
3 553
+5%
|
3 723
+5%
|
3 807
+2%
|
3 941
+4%
|
3 922
0%
|
3 826
-2%
|
3 739
-2%
|
3 520
-6%
|
3 325
-6%
|
3 156
-5%
|
3 230
+2%
|
3 246
+0%
|
3 349
+3%
|
3 470
+4%
|
3 254
-6%
|
3 099
-5%
|
2 946
-5%
|
2 888
-2%
|
2 610
-10%
|
2 601
0%
|
2 772
+7%
|
2 725
-2%
|
2 874
+5%
|
2 760
-4%
|
2 744
-1%
|
2 877
+5%
|
3 104
+8%
|
3 336
+7%
|
3 412
+2%
|
3 552
+4%
|
3 741
+5%
|
3 846
+3%
|
4 130
+7%
|
4 317
+5%
|
4 031
-7%
|
3 672
-9%
|
3 258
-11%
|
2 741
-16%
|
(2 557)
N/A
|
(1 883)
+26%
|
(1 450)
+23%
|
(904)
+38%
|
4 874
N/A
|
5 113
+5%
|
4 299
-16%
|
2 804
-35%
|
3 312
+18%
|
3 371
+2%
|
3 536
+5%
|
6 554
+85%
|
5 502
-16%
|
6 092
+11%
|
7 856
+29%
|
7 538
-4%
|
9 304
+23%
|
9 729
+5%
|
10 039
+3%
|
10 413
+4%
|
|
| EPS (Diluted) |
1.39
N/A
|
1.4
+1%
|
1.43
+2%
|
1.56
+9%
|
1.6
+3%
|
1.66
+4%
|
1.65
-1%
|
1.77
+7%
|
1.98
+12%
|
2.16
+9%
|
2.29
+6%
|
2.41
+5%
|
2.68
+11%
|
2.94
+10%
|
3.21
+9%
|
3.35
+4%
|
3.12
-7%
|
2.5
-20%
|
2.23
-11%
|
1.97
-12%
|
2.06
+5%
|
1.98
-4%
|
2.12
+7%
|
2.31
+9%
|
2.57
+11%
|
2.7
+5%
|
2.84
+5%
|
2.97
+5%
|
3.05
+3%
|
3.14
+3%
|
3.13
0%
|
3.06
-2%
|
2.99
-2%
|
2.82
-6%
|
2.63
-7%
|
2.52
-4%
|
2.58
+2%
|
2.59
+0%
|
2.67
+3%
|
2.77
+4%
|
2.6
-6%
|
2.48
-5%
|
2.36
-5%
|
2.31
-2%
|
2.09
-10%
|
2.08
0%
|
2.22
+7%
|
2.18
-2%
|
2.3
+6%
|
2.2
-4%
|
2.19
0%
|
2.3
+5%
|
2.48
+8%
|
2.68
+8%
|
2.74
+2%
|
2.85
+4%
|
2.99
+5%
|
3.08
+3%
|
3.3
+7%
|
3.45
+5%
|
3.22
-7%
|
2.93
-9%
|
2.6
-11%
|
2.19
-16%
|
-2.05
N/A
|
-1.51
+26%
|
-1.16
+23%
|
-0.72
+38%
|
3.9
N/A
|
4.09
+5%
|
3.44
-16%
|
2.24
-35%
|
2.65
+18%
|
2.7
+2%
|
2.83
+5%
|
5.24
+85%
|
4.4
-16%
|
4.87
+11%
|
6.28
+29%
|
6.03
-4%
|
7.44
+23%
|
7.78
+5%
|
8.03
+3%
|
8.33
+4%
|
|