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
Net Interest Income	764.67	789.36	-	810.98	758.34	374.5
Net Interest Income Growth	23.73%	-	-	6.94%	102.50%	0.95%
Non-Interest Income	291.4	293.43	-	275.89	196.71	244.07
Non-Interest Income Growth	99.90%	-	-	40.25%	-19.40%	-7.73%
Revenues Before Loan Losses	1,056	1,083	-	1,087	955.05	618.56
Provision for Credit Losses	34.41	-	-	50.47	106	114.09
Revenue	1,022	1,083	-	1,036	849.06	504.47
Revenue Growth	47.30%	-	-	22.06%	68.31%	6.94%
Selling, General & Admin	672.43	653.41	-	518.17	496.07	395.7
Other Non-Interest Expenses	177.6	105.31	68.6	361.2	200	64.58
Total Non-Interest Expense	850.03	758.72	68.6	879.36	696.07	460.28
Pretax Income	34.59	142.4	-68.6	157.03	194.14	79.27
Provision for Income Taxes	29.08	17.89	-	78.66	65.89	31.81
Net Income	5.52	124.51	-68.6	78.37	128.24	47.46
Net Income to Common	128.89	124.51	-68.6	78.37	128.24	47.46
Net Income Growth	1724.40%	-	-	-38.89%	170.24%	-
Shares Outstanding (Basic)	93	93	93	93	93	93
Shares Outstanding (Diluted)	93	93	93	93	93	93
Shares Change	-	-	-	-	-	-
EPS (Basic)	1.39	1.34	0.79	0.66	1.38	0.51
EPS (Diluted)	1.39	1.34	0.79	0.66	1.38	0.51
EPS Growth	1724.40%	69.62%	19.70%	-52.17%	170.59%	-

Additional Metrics

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
Free Cash Flow	-268.08	527.02	-241.68	-993.89	1,925	1,155
Free Cash Flow Growth	-	-	-	-	66.66%	24.40%
Free Cash Flow Per Share	-2.89	5.67	-2.60	-10.70	20.72	12.43
Profit Margin	0.54%	11.50%	-	7.56%	15.10%	9.41%
FCF Margin	-26.24%	48.67%	-	-95.90%	226.75%	229.00%
Effective Tax Rate	84.05%	12.56%	0.00%	50.09%	33.94%	40.13%