Bank Ochrony Srodowiska Income Statement

Financials in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	970.78	1,063	1,130	881	380.61	445.59
Interest Income on Investments	518.79	394.42	477.53	324.88	50.03	76.89
Total Interest Income	1,490	1,457	1,607	1,206	430.64	522.49
Interest Paid on Deposits	665.91	610.79	787.72	447.54	-	141.29
Interest Paid on Borrowings	-	-	-	-	56.15	7.7
Total Interest Expense	665.91	610.79	787.72	447.54	56.15	148.99
Net Interest Income	823.65	846.65	819.37	758.34	374.5	373.5
Net Interest Income Growth (YoY)	-0.60%	3.33%	8.05%	102.50%	0.27%	-12.41%
Gain (Loss) on Sale of Assets	0.09	0.09	0.05	-0.15	0.05	0.02
Gain (Loss) on Sale of Investments	43.92	0.03	-	-	0.2	4.24
Other Non-Interest Income	244.08	242.67	267.35	238.04	278.91	113.78
Total Non-Interest Income	288.09	242.79	267.41	237.89	279.15	118.04
Non-Interest Income Growth (YoY)	10.61%	-9.21%	12.41%	-14.78%	136.49%	-37.04%
Revenues Before Loan Losses	1,112	1,089	1,087	996.23	653.65	491.54
Provision for Loan Losses	15.87	13.76	50.47	106	114.09	165.71
Revenue	1,096	1,076	1,036	890.24	539.55	325.82
Revenue Growth (YoY)	7.64%	3.80%	16.41%	65.00%	65.60%	-36.04%
Selling, General & Administrative	646.41	589.77	509.6	486.89	388.45	284.1
Other Non-Interest Expense	253.41	319.6	369.67	209.21	71.14	370.2
Total Non-Interest Expense	899.83	909.36	879.27	696.1	459.59	624.83
EBT Excluding Unusual Items	196.05	166.32	157.03	194.14	79.96	-299.01
Asset Writedown	-17.67	-17.67	-	-	-0.69	-0.05
Pretax Income	178.39	148.66	157.03	194.14	79.27	-299.06
Income Tax Expense	54.05	69	78.66	65.89	31.81	11.24
Net Income	124.34	79.66	78.37	128.24	47.46	-310.3
Net Income to Common	124.34	79.66	78.37	128.24	47.46	-310.3
Net Income Growth	204.94%	1.64%	-38.89%	170.24%	-	-
Basic Shares Outstanding	93	93	93	93	93	93
Diluted Shares Outstanding	93	93	93	93	93	93
Shares Change (YoY)	-0.71%	-	-	-	-	-
EPS (Basic)	1.34	0.86	0.84	1.38	0.51	-3.34
EPS (Diluted)	1.34	0.86	0.84	1.38	0.51	-3.34
EPS Growth	209.63%	2.07%	-39.13%	170.59%	-	-
Effective Tax Rate	30.30%	46.42%	50.09%	33.94%	40.13%	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.