Bank Ochrony Srodowiska Balance Sheet

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
Cash & Equivalents	3,299	4,804	3,714	3,413	5,257	3,315
Investment Securities	10,962	8,693	7,352	6,188	4,543	4,210
Trading Asset Securities	140.44	109.84	156.6	189.61	306.37	201.76
Total Investments	11,103	8,803	7,508	6,378	4,849	4,412
Gross Loans	11,404	11,125	11,035	11,695	12,235	12,622
Allowance for Loan Losses	-891.69	-856.92	-930.59	-928.01	-1,109	-1,123
Net Loans	10,513	10,268	10,105	10,767	11,126	11,499
Property, Plant & Equipment	125.78	127.3	140.12	146.29	157.51	162.62
Goodwill	-	0.97	0.97	0.97	0.97	-
Other Intangible Assets	102.44	103.36	105.87	130.86	132.01	112.86
Accrued Interest Receivable	-	7.76	10.54	8.92	15.32	14.13
Other Receivables	244.85	508.86	139.14	159.24	256.51	242.33
Restricted Cash	747.47	706.91	588.01	611.25	-	295.2
Other Current Assets	-	0.06	-	1.01	4.64	1.05
Long-Term Deferred Tax Assets	162.86	149.97	148.23	158.33	173.46	151.07
Other Long-Term Assets	551.2	239.34	258.36	257.4	33.97	24.45
Total Assets	26,849	25,720	22,718	22,032	22,006	20,230
Accounts Payable	-	95.95	90.05	91.59	95.04	71.78
Accrued Expenses	-	96.42	82.97	62.7	97.59	66.61
Interest Bearing Deposits	13,701	11,738	9,823	8,858	8,312	5,476
Non-Interest Bearing Deposits	8,639	9,379	8,988	9,252	9,915	11,198
Total Deposits	22,340	21,116	18,811	18,110	18,227	16,675
Short-Term Borrowings	48.82	42.36	57.14	125.75	248.67	244.22
Current Portion of Leases	-	4.28	5.72	2.5	2.94	2.69
Current Income Taxes Payable	0.46	8.5	14.74	2.31	0.45	8.34
Other Current Liabilities	14.07	93.02	35.33	91.68	22.54	17.05
Long-Term Debt	1,080	1,080	808.29	886.47	934.71	880.06
Long-Term Leases	31.01	32.09	39.63	50.75	64.98	78.48
Long-Term Unearned Revenue	-	20.72	1.83	8.56	7.57	7.75
Pension & Post-Retirement Benefits	-	7.94	7.54	5.7	4.31	3.79
Long-Term Deferred Tax Liabilities	-	-	-	0.95	-	0.48
Other Long-Term Liabilities	963.23	682.12	534.33	444.65	335.75	307.86
Total Liabilities	24,478	23,280	20,489	19,884	20,042	18,364
Common Stock	929.48	929.48	929.48	929.48	929.48	929.48
Additional Paid-In Capital	532.85	532.85	532.85	532.85	532.85	532.85
Retained Earnings	858.73	842.51	718	638.34	559.97	431.72
Treasury Stock	-1.29	-1.29	-1.29	-1.29	-1.29	-1.29
Comprehensive Income & Other	51.19	136.47	50.56	49.25	-56.86	-26.96
Shareholders' Equity	2,371	2,440	2,230	2,149	1,964	1,866
Total Liabilities & Equity	26,849	25,720	22,718	22,032	22,006	20,230
Total Debt	1,160	1,159	910.79	1,065	1,251	1,205
Net Cash (Debt)	2,279	3,755	2,960	2,537	4,312	2,311
Net Cash Growth	-35.13%	26.86%	16.69%	-41.16%	86.57%	168.97%
Net Cash Per Share	30.50	40.42	31.86	27.31	46.41	24.87
Filing Date Shares Outstanding	92.91	92.91	92.91	92.91	92.91	92.91
Total Common Shares Outstanding	92.91	92.91	92.91	92.91	92.91	92.91
Book Value Per Share	25.52	26.26	24.00	23.13	21.14	20.08
Tangible Book Value	2,269	2,336	2,123	2,017	1,831	1,753
Tangible Book Value Per Share	24.42	25.14	22.85	21.71	19.71	18.87