Powszechny Zaklad Ubezpieczen SA

WSE-PZU

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Income Statement	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	LTM
Premiums and Annuity Revenues						22,350	23,090	23,024	23,232	24,297	25,601
Total Interest And Dividend Income						11,495	12,514	10,793	10,440	18,482	26,703
Gain (Loss) on Sale of Investments, Total						319	831	903	786	-485	495
Other Revenues, Total						5,374	3,132	1,665	4,294	3,912	4,821
Total Revenues						39,538	39,567	36,385	38,752	46,206	57,620
Total Revenues % Chg.						21.6%	0.1%	-8%	6.5%	19.2%	38.7%
Policy Benefits						14,563	15,695	15,580	15,731	15,542	16,772
Policy Acquisition / Underwriting Costs, Total						3,048	3,342	3,485	3,744	4,230	5,073
Depreciation & Amortization - (Collected)						25	27	28	40	38	38
Amortization of Goodwill and Intangible Assets						39	36	25	33	36	36
Selling General & Admin Expenses, Total						6,720	6,707	6,666	6,934	7,732	8,327
Salaries And Other Employee Benefits						573	631	635	727	786	786
Other Operating Expenses						4,892	3,646	3,397	3,537	5,210	3,421
Total Operating Expenses						29,860	30,084	29,816	30,746	33,574	34,453
Operating Income						9,678	9,483	6,569	8,006	12,632	23,167
Interest Expense, Total						-2,113	-2,151	-1,139	-423	-4,782	-9,097
Income (Loss) on Equity Invest.						-1	-4	—	-15	-25	3
Currency Exchange Gains (Loss)						-551	-123	55	-240	-240	564
Other Non Operating Income (Expenses)		—	—	—	—	—	—	—	—	—	-86
EBT, Excl. Unusual Items						7,013	7,205	5,485	7,328	7,585	14,551
Restructuring Charges			—			7	-85	-144	-72	-1	-1
Total Merger & Related Restructuring Charges		—	—	—	—	—	—	—	—	—	—
Impairment of Goodwill	—	—	—		—	—	—	-1,301	—	-2	-2
Gain (Loss) on Sale of Assets		—	—	—	—	51	11	-6	37	57	57
Asset Writedown						12	-15	47	184	-3	-109
Legal Settlements			—			3	-36	-23	-23	-31	-31
Other Unusual Items		—	—			—	—	—	—	—	—
EBT, Incl. Unusual Items						7,086	7,080	4,058	7,454	7,605	14,465
Income Tax Expense						1,718	1,895	1,528	2,020	2,346	3,551
Earnings From Continuing Operations						5,368	5,185	2,530	5,434	5,259	10,914
Minority Interest			—			-2,155	-1,890	-618	-2,098	-1,885	-5,954
Net Income						3,213	3,295	1,912	3,336	3,374	4,960
Net Income to Common Incl Extra Items						3,213	3,295	1,912	3,336	3,374	4,960
Net Income to Common Excl. Extra Items						3,213	3,295	1,912	3,336	3,374	4,960
Total Shares Outstanding						863.2	863.3	863.3	863.4	863.4	863.4
Weighted Avg. Shares Outstanding						863.3	863.3	863.3	863.3	863.4	863.4
Weighted Avg. Shares Outstanding Dil						863.3	863.3	863.3	863.3	863.4	863.4
EPS						3.7	3.8	2.2	3.9	3.9	5.7
EPS Diluted						3.7	3.8	2.2	3.9	3.9	5.7
EBITDA						10,433	10,096	7,153	8,563	13,153	23,696
Effective Tax Rate						24.2%	26.8%	37.7%	27.1%	30.8%	24.5%