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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	889.3	934.01	1,063	1,130	881	380.61
Interest Income on Investments	560.65	545.01	394.42	477.53	324.88	50.03
Total Interest Income	1,450	1,479	1,457	1,607	1,206	430.64
Interest Paid on Deposits	661.25	677.66	610.79	787.72	447.54	-
Interest Paid on Borrowings	-	-	-	-	-	56.15
Total Interest Expense	661.25	677.66	610.79	787.72	447.54	56.15
Net Interest Income	788.7	801.36	846.65	819.37	758.34	374.5
Net Interest Income Growth (YoY)	-5.44%	-5.35%	3.33%	8.05%	102.50%	0.27%
Gain (Loss) on Sale of Assets	0.12	0.12	0.09	0.05	-0.15	0.05
Gain (Loss) on Sale of Investments	73.24	46.07	0.03	-	-	0.2
Other Non-Interest Income	248.69	235.23	242.67	267.35	238.04	278.91
Total Non-Interest Income	322.05	281.42	242.79	267.41	237.89	279.15
Non-Interest Income Growth (YoY)	37.87%	15.91%	-9.21%	12.41%	-14.78%	136.49%
Revenues Before Loan Losses	1,111	1,083	1,089	1,087	996.23	653.65
Provision for Loan Losses	50.12	56.79	13.76	50.47	106	114.09
Revenue	1,061	1,026	1,076	1,036	890.24	539.55
Revenue Growth (YoY)	3.71%	-4.62%	3.80%	16.41%	65.00%	65.60%
Selling, General & Administrative	671.12	652.26	589.77	509.6	486.89	388.45
Other Non-Interest Expense	231.54	231.33	319.6	369.67	209.21	71.14
Total Non-Interest Expense	902.66	883.59	909.36	879.27	696.1	459.59
EBT Excluding Unusual Items	157.97	142.4	166.32	157.03	194.14	79.96
Asset Writedown	-	-	-17.67	-	-	-0.69
Pretax Income	157.97	142.4	148.66	157.03	194.14	79.27
Income Tax Expense	29.08	17.89	69	78.66	65.89	31.81
Net Income	128.89	124.51	79.66	78.37	128.24	47.46
Net Income to Common	128.89	124.51	79.66	78.37	128.24	47.46
Net Income Growth	182.57%	56.32%	1.64%	-38.89%	170.24%	-
Basic Shares Outstanding	75	93	93	93	93	93
Diluted Shares Outstanding	75	93	93	93	93	93
Shares Change (YoY)	-19.00%	-	-	-	-	-
EPS (Basic)	1.72	1.34	0.86	0.84	1.38	0.51
EPS (Diluted)	1.72	1.34	0.86	0.84	1.38	0.51
EPS Growth	248.79%	56.30%	2.07%	-39.13%	170.59%	-
Effective Tax Rate	18.41%	12.56%	46.42%	50.09%	33.94%	40.13%