Investorrelations

Comparable data - quarterly

mln PLN	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total income1	3,778	4,325	4,769	5,232	5,796	6,232	6,897	7,722	10,678	11,279
Total expenses incl. banking tax	-2,156	-2,379	-2,457	-2,701	-2,933	-3,245	-3,510	-4,289	-4,344	-4,698
Net income	1,127	1,253	1,403	1,524	1,659	1,338	2,308	1,714	4,441	4,369
Loans2	72,520	81,980	87,255	103,126	118,288	124,761	146,614	155,030	156,560	165,658
Deposits3	87,866	95,825	104,503	117,683	130,474	151,029	170,610	192,731	205,290	219,996
Loans / Deposits	82.5%	85.6%	83.5%	87.6%	90.7%	82.6%	85.9%	80.4%	76.3%	75.3%
Cost / Income	57.1%	55.0%	51.5%	51.6%	50.6%	52.1%	50.9%	55.5%	40.7%	41.7%
ROE (adjusted for MCFH)4	12.2%	12.8%	13.0%	12.8%	12.9%	9.4%	14.4%	10.2%	22.9%	20.4%
ROA5	1.07%	1.10%	1.16%	1.15%	1.10%	0.76%	1.18%	0.81%	1.93%	1.73%
Total capital ratio	13.74%	14.73%	16.71%	15.58%	16.87%	19.52%	16.05%	16.22%	17.41%	15.67%
Tier 1 ratio	13.74%	13.70%	15.77%	14.74%	14.41%	16.91%	14.41%	14.72%	16.02%	14.58%
Book value per share (PLN)	82.1	80.5	88.7	102.4	117.0	143.1	104.0	71.8	128.6	132.0
Earnings per share (PLN)	8.66	9.63	10.78	11.71	12.75	10.28	17.74	13.17	34.14	33.58

¹ Including net profit of affiliated entities recognised on an equity basis.

² Net Loans and receivables to customers at amortised cost including loans mandatorily measured at fair value through profit or loss.

³ Liabilities due to customers

⁴ ROE (adjusted for MCFH) = total net profit for 4 consecutive quarters / average equity for 5 subsequent quarters

⁵ ROA = total net profit for 4 consecutive quarters / average assets for 5 subsequent quarters

Comparable data - yearly

mln PLN		2Q 2023	3Q 2023	4Q 2023	1Q 2024	2Q 2024	3Q 2024	4Q 2024	1Q 2025	2Q 2025	3Q 2025
Total income1		2,637	2,667	2,916	2,760	2,702	2,917	2,900	2,919	2,920	2 958
Total expenses incl. banking tax		-1,016	-1,024	-1,143	-1,276	-1,157	-1,139	-1,126	-1,398	-1,253	-1 246
Net income		1,099	1,162	1,271	993	965	1,102	1,309	1,014	1,135	1 112
Loans2		156,255	158,127	156,560	158,453	161,411	163,316	165,658	168,145	172,232	172 632
Deposits3		188,846	201,951	205,290	214,126	211,543	212,068	219,996	223,239	225,631	230 214
Loans / Deposits		82.7%	78.3%	76.3%	74.0%	76.3%	77.0%	75.3%	75.3%	76.3%	75,3%
Cost / Income		38.5%	38.4%	39.2%	46.2%	42.8%	39.0%	38.8%	47.9%	42.9%	42,1%
ROE (adjusted for MCFH)4		13.5%	21.0%	22.9%	22.0%	21.1%	20.5%	20.4%	20.2%	21.4%	21,0%
ROA5		1.07%	1.71%	1.93%	1.91%	1.82%	1.75%	1.73%	1.71%	1.73%	1,69%
Total capital ratio		16.95%	16.56%	17.41%	16.95%	15.42%	14.98%	15.67%	16.14%	15.66%	14,85%
Tier 1 ratio		15.47%	15.05%	16.02%	15.65%	14.20%	13.81%	14.58%	15.10%	14.69%	13,97%
Book value per share (PLN)		99.6	116.7	128.6	134.1	108.9	124.7	132.0	144.6	135.4	147,2
Earnings per share (PLN)		33.79	35.73	39.08	30.53	29.67	33.88	40.25	31.18	34.90	34,19

¹ Including net profit of affiliated entities recognised on an equity basis.

² Net Loans and receivables to customers at amortised cost including loans mandatorily measured at fair value through profit or loss.

³ Depsoits and other liabilities due to customers

⁴ ROE (adjusted for MCFH) = total net profit for 4 consecutive quarters / average equity for 5 subsequent quarters

⁵ ROA = total net profit for 4 consecutive quarters / average assets for 5 subsequent quarters