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	Jun '26 Jun 30, 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	861.64	934.01	1,063	1,130	881	380.61
Interest Income on Investments	530.57	545.01	394.42	477.53	324.88	50.03
Total Interest Income	1,392	1,479	1,457	1,607	1,206	430.64
Interest Paid on Deposits	643.71	677.66	610.79	787.72	447.54	-
Interest Paid on Borrowings	-	-	-	-	-	56.15
Total Interest Expense	643.71	677.66	610.79	787.72	447.54	56.15
Net Interest Income	748.5	801.36	846.65	819.37	758.34	374.5
Net Interest Income Growth	-11.71%	-5.35%	3.33%	8.05%	102.50%	0.27%
Gain (Loss) on Sale of Assets	-0	0.12	0.09	0.05	-0.15	0.05
Gain (Loss) on Sale of Investments	46.07	46.07	0.03	-	-	0.2
Other Non-Interest Income	288.01	235.23	242.67	267.35	238.04	278.91
Total Non-Interest Income	334.08	281.42	242.79	267.41	237.89	279.15
Non-Interest Income Growth	22.40%	15.91%	-9.21%	12.41%	-14.78%	136.49%
Revenues Before Loan Losses	1,083	1,083	1,089	1,087	996.23	653.65
Provision for Loan Losses	80.27	56.79	13.76	50.47	106	114.09
Revenue	1,002	1,026	1,076	1,036	890.24	539.55
Revenue Growth	-6.82%	-4.62%	3.80%	16.41%	65.00%	65.60%
Selling, General & Administrative	694.73	652.26	589.77	509.6	486.89	388.45
Other Non-Interest Expense	233.1	231.33	319.6	369.67	209.21	71.14
Total Non-Interest Expense	927.83	883.59	909.36	879.27	696.1	459.59
EBT Excluding Unusual Items	74.47	142.4	166.32	157.03	194.14	79.96
Asset Writedown	-	-	-17.67	-	-	-0.69
Pretax Income	74.47	142.4	148.66	157.03	194.14	79.27
Income Tax Expense	14.56	17.89	69	78.66	65.89	31.81
Net Income	59.91	124.51	79.66	78.37	128.24	47.46
Net Income to Common	59.91	124.51	79.66	78.37	128.24	47.46
Net Income Growth	-45.11%	56.32%	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	-	-	-	-	-	-
EPS (Basic)	0.64	1.34	0.86	0.84	1.38	0.51
EPS (Diluted)	0.64	1.34	0.86	0.84	1.38	0.51
EPS Growth	-45.52%	56.30%	2.07%	-39.13%	170.59%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Effective Tax Rate	19.55%	12.56%	46.42%	50.09%	33.94%	40.13%