Bank Ochrony Srodowiska S.A. (WSE:BOS)

Bank Ochrony Srodowiska Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,012	1,063	1,130	881	380.61	445.59
Interest Income on Investments	471.55	394.42	477.53	324.88	50.03	76.89
Total Interest Income	1,484	1,457	1,607	1,206	430.64	522.49
Interest Paid on Deposits	636.08	610.79	787.72	447.54	-	141.29
Interest Paid on Borrowings	-	-	-	-	56.15	7.7
Total Interest Expense	636.08	610.79	787.72	447.54	56.15	148.99
Net Interest Income	847.82	846.65	819.37	758.34	374.5	373.5
Net Interest Income Growth (YoY)	4.04%	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	21.43	0.03	-	-	0.2	4.24
Other Non-Interest Income	251.42	242.67	267.35	238.04	278.91	113.78
Total Non-Interest Income	272.93	242.79	267.41	237.89	279.15	118.04
Non-Interest Income Growth (YoY)	1.41%	-9.21%	12.41%	-14.78%	136.49%	-37.04%
Revenues Before Loan Losses	1,121	1,089	1,087	996.23	653.65	491.54
Provision for Loan Losses	45.05	13.76	50.47	106	114.09	165.71
Revenue	1,076	1,076	1,036	890.24	539.55	325.82
Revenue Growth (YoY)	4.33%	3.80%	16.41%	65.00%	65.60%	-36.04%
Selling, General & Administrative	623.46	589.77	509.6	486.89	388.45	284.1
Other Non-Interest Expense	267.49	319.6	369.67	209.21	71.14	370.2
Total Non-Interest Expense	890.94	909.36	879.27	696.1	459.59	624.83
EBT Excluding Unusual Items	184.76	166.32	157.03	194.14	79.96	-299.01
Asset Writedown	-17.67	-17.67	-	-	-0.69	-0.05
Pretax Income	167.09	148.66	157.03	194.14	79.27	-299.06
Income Tax Expense	57.95	69	78.66	65.89	31.81	11.24
Net Income	109.15	79.66	78.37	128.24	47.46	-310.3
Net Income to Common	109.15	79.66	78.37	128.24	47.46	-310.3
Net Income Growth	49.81%	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)	-0.23%	-	-	-	-	-
EPS (Basic)	1.18	0.86	0.84	1.38	0.51	-3.34
EPS (Diluted)	1.18	0.86	0.84	1.38	0.51	-3.34
EPS Growth	50.83%	2.07%	-39.13%	170.59%	-	-
Effective Tax Rate	34.68%	46.42%	50.09%	33.94%	40.13%	-

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