Financials BNP Paribas Bank Polska S.A.

Equities

Delayed Warsaw S.E. Other stock markets 10:50:27 15/01/2026 GMT			5-day change	1st Jan Change
132.50 ^PLN	+1.15%		-1.49%	+1.53%

01-02	Bnp Paribas BP says Agnieszka Wolska resigns as deputy CEO	RE
12-30	Ailleron gets EUR 4.3 mln additional credit tranche from BNP Paribas BP for its unit	RE

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	4,743	4,869	5,354	7,344	7,005	8,100	8,033	8,292
Change	-	2.66%	9.97%	37.17%	-4.62%	15.63%	-0.83%	3.23%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	2,031	2,000	2,313	4,183	3,653	4,852	4,366	4,441
Change	-	-1.55%	15.7%	80.81%	-12.67%	32.82%	-10%	1.71%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	1,111	616.1	871.9	1,763	2,954	3,892	3,762	3,913
Change	-	-44.52%	41.52%	102.21%	67.54%	31.74%	-3.33%	4%
Net income ¹	733.1	176.3	441.5	1,013	2,358	2,884	2,346	2,555
Change	-	-75.95%	150.43%	129.34%	132.9%	22.29%	-18.65%	8.91%
Announcement Date	26/02/21	02/03/22	28/02/23	29/02/24	11/03/25	-	-	-

¹PLN in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4
Net sales ¹	-	1,139	1,017	1,046	1,955	1,447	1,641	665.3	1,719	1,725	1,872	2,013	1,870	1,945	1,719	1,891	1,870	1,822	2,124	1,745	2,050
Change	-	-	-10.71%	2.89%	86.81%	-25.96%	13.4%	-59.46%	158.41%	0.32%	8.55%	7.5%	-7.09%	4%	-11.62%	9.99%	-1.09%	-2.58%	16.57%	-17.83%	17.47%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	-	473.7	317.4	354.1	512.9	672.3	718	-60.9	965.9	939.6	1,091	1,143	1,009	1,024	915.5	1,103	1,030	845.6	1,337	958.7	1,191
Change	-	-	-32.99%	11.54%	44.86%	31.07%	6.8%	-108.48%	1,685.84%	-2.72%	16.09%	4.82%	-11.72%	1.43%	-10.58%	20.54%	-6.68%	-17.89%	58.16%	-28.31%	24.19%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	-	275.8	233.9	268.6	-162.2	434.9	490.3	-361	414.6	631.5	668.9	659.5	-196.7	800.5	609.7	935.3	708	948.1	981.3	992.6	886.7
Change	-	-	-15.21%	14.86%	-160.38%	368.14%	12.72%	-173.63%	214.85%	52.3%	5.93%	-1.41%	-129.83%	506.92%	-23.84%	53.4%	-24.3%	33.92%	3.5%	1.15%	-10.67%
Net income ¹	167.5	164	132	153.9	-273.5	277.7	257.7	-346.6	252.7	488	459.6	445.5	-380.6	590.6	623	635.5	509.2	741.4	733.8	695.5	748.3
Change	-	-2.07%	-19.54%	16.6%	-277.76%	201.55%	-7.23%	-234.51%	172.9%	93.12%	-5.81%	-3.08%	-185.43%	255.19%	5.49%	2.01%	-19.89%	45.62%	-1.03%	-5.23%	7.6%
Announcement Date	26/02/21	13/05/21	12/08/21	09/11/21	02/03/22	10/05/22	11/08/22	10/11/22	28/02/23	10/05/23	10/08/23	09/11/23	29/02/24	14/05/24	13/08/24	08/11/24	11/03/25	14/05/25	08/08/25	06/11/25	-

¹PLN in Million

Estimates

Fiscal Period: December	2022 S1	2023 S1	2024 S1	2025 S1
Net sales ¹	3,188	3,658	3,664	4,231
Change	-	14.74%	0.17%	15.47%
EBITDA	-	-	-	-
Change	-	-	-	-
EBIT ¹	1,411	2,030	1,939	2,468
Change	-	43.91%	-4.49%	27.26%
Charge d'intérêts	-	-	-	-
Earnings before Tax (EBT) ¹	1,021	1,300	1,410	1,929
Change	-	27.36%	8.44%	36.82%
Net income ¹	535.4	947.6	1,210	1,475
Change	-	76.99%	27.69%	21.93%
Announcement Date	11/08/22	10/08/23	13/08/24	08/08/25

¹PLN in Million

Estimates

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	26/02/21	02/03/22	28/02/23	29/02/24	11/03/25	-	-	-

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	504.8	371.2	342.4	338	445.7	464.8
Change	-	-26.47%	-7.75%	-1.27%	31.86%	4.27%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	03/03/20	26/02/21	03/03/22	28/02/23	29/02/24	12/03/25

¹PLN in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	42.82%	41.07%	43.21%	56.96%	52.15%	59.9%	54.36%	53.56%
EBT Margin (%)	-	23.42%	12.66%	16.29%	24.01%	42.17%	48.05%	46.83%	47.19%
Net margin (%)	-	15.46%	3.62%	8.25%	13.79%	33.67%	35.61%	29.21%	30.82%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.64%	0.14%	0.29%	0.65%	-	1.73%	1.38%	1.4%
ROE	-	6.32%	1.51%	3.9%	8.39%	16.69%	18.37%	13.84%	14.24%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	-	-	-	-	3.41	7.921	9.758	9.007
Change	-	-	-	-	-	-	132.29%	23.19%	-7.7%
Book Value Per Share ¹	-	81.61	89.33	76.31	87.09	104.2	109.8	115.7	122.8
Change	-	-	9.46%	-14.58%	14.13%	19.59%	5.42%	5.41%	6.05%
EPS ¹	-	4.97	1.2	2.99	6.85	15.96	19.56	15.76	16.15
Change	-	-	-75.86%	149.17%	129.1%	132.99%	22.56%	-19.44%	2.5%
Nbr of stocks (in thousands)	-	147,419	147,519	147,593	147,677	147,800	147,880	147,880	147,880
Announcement Date	-	26/02/21	02/03/22	28/02/23	29/02/24	11/03/25	-	-	-