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Bank Ochrony Srodowiska

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Bank Ochrony Srodowiska

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Annual Quarterly

summary

Unit

2005

2006

2007

2008

2009

2010

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2017

income statement

Net Interest Income	PLN mil
Total Revenues	PLN mil
Operating Profit	PLN mil
Net Profit	PLN mil

		270	284	276	289	261
...	...	495	470	499	527	488
...	...	119	96.5	133	150	57.3
...	...	62.4	37.5	64.4	65.6	-51.1

balance sheet

Interbank Loans	PLN mil
Customer Loans	PLN mil
Debt Securities	PLN mil
Total Assets	PLN mil
Shareholders' Equity	PLN mil
Interbank Borrowing	PLN mil
Customer Deposits	PLN mil
Issued Debt Securities	PLN mil

...	...	94.6	119	152	347	380
...	...	11,353	11,123	12,055	12,489	14,344
...	...	6.59	3,963	4,872	5,709	5,108
		15,637	16,867	18,418	19,672	20,922
		1,149	1,438	1,452	1,548	1,525
...	...	710	466	443	354	0.000
...	...	11,412	11,816	13,196	14,228	15,968
...	...	2,188	2,912	3,060	3,161	2,918

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

...	...	5.61%	2.90%	4.45%	4.37%	-3.33%
...	...	0.405%	0.231%	0.365%	0.344%	-0.252%
...	...	2.44%	2.30%	2.07%	1.98%	2.12%
...	...	75.9%	79.5%	73.4%	71.6%	88.3%
		12.2%	15.2%	12.4%	14.0%	12.1%
		1.76%	1.75%	1.57%	1.52%	1.29%
...	...	54.6%	60.4%	55.4%	54.9%	53.5%
...	...	22.8%	22.6%	22.0%	19.5%	23.1%
...	...	48.7%	48.8%	48.6%	48.0%	40.9%
		7.35%	8.52%	7.89%	7.87%	7.29%
...	...	99.5%	94.1%	91.3%	87.8%	89.8%
...	...	72.6%	65.9%	65.5%	63.5%	68.6%
...	...	5.78%	7.76%	5.55%	7.15%	7.08%
...	...	37.1%	33.5%	44.5%	34.5%	36.7%

valuation

Market Capitalisation (End Of Period)	USD mil
Number Of Shares (Average)	mil
Share Price (End Of Period)	PLN
Earnings Per Share (EPS)
Book Value Per Share
Dividend Per Share
Price/Earnings (P/E)
Price/Book Value (P/BV)
Dividend Yield	%
Earnings Per Share Growth	%
Book Value Per Share Growth	%

...	...	...	...	...	...	...	...	351	218	110
						16.4	19.6	22.9	22.9	22.9
...	...	...	...	...	...	...	...	46.3	33.7	17.1
...	...					3.81	1.91	2.81	2.87	-2.23
						70.2	62.8	63.5	67.7	66.7
						0.000	0.000	0.000	0.000	0.000
...	...	...	...	...	...	...	...	16.4	11.8	...	...
...	...	...	...	...	...	...	...	0.728	0.499	0.256
...	...	...	...	...	...	...	...	0.000%	0.000%	0.000%
...	...	...				-5.19%	-49.9%	47.3%	1.88%	-178%
...						6.67%	-10.5%	1.03%	6.55%	-1.45%

Download Data

income statement

Unit

2005

2006

2007

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2011

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2017

income statement

Interest Income	PLN mil
Interest Cost	PLN mil
Net Interest Income	PLN mil
Net Fee Income	PLN mil
Other Income	PLN mil
Total Revenues	PLN mil
Staff Cost	PLN mil
Depreciation	PLN mil
Other Cost	PLN mil
Operating Cost	PLN mil
Operating Profit	PLN mil
Provisions	PLN mil
Extra and Other Cost	PLN mil
Pre-Tax Profit	PLN mil
Tax	PLN mil
Minorities	PLN mil
Net Profit	PLN mil
Dividends	PLN mil

...	...	824	900	772	746	660
...	...	554	616	496	457	399
		270	284	276	289	261
		113	106	110	103	113
...	...	112	79.6	113	134	114
...	...	495	470	499	527	488
...	...	183	182	178	181	176
...	...	31.1	35.9	46.2	49.1	52.5
...	...	162	155	142	147	202
...	...	376	374	366	377	431
...	...	119	96.5	133	150	57.3
...	...	42.6	54.0	60.2	68.2	114
...	...	< -0.001	< 0.001	-0.002	-0.006	-0.009
...	...	76.9	42.4	72.8	81.5	-56.9
...	...	14.5	4.94	8.40	16.0	-5.73
...	...	22.0	38.0	54.0	70.0	86.0
...	...	62.4	37.5	64.4	65.6	-51.1
		0.000	0.000	0.000	0.000	0.000

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...			10.9%	5.08%	-2.82%	4.82%	-9.68%
...			-3.60%	-6.05%	3.26%	-6.16%	9.43%
...	...	...	8.03%	-5.13%	6.13%	5.62%	-7.32%
...	...	...	7.95%	-0.633%	-2.05%	3.08%	14.3%
...	...	...	8.30%	-19.3%	37.8%	12.6%	-61.7%
...	...	...	4.80%	-44.8%	71.4%	12.1%	-170%
...	...	...	-1.21%	-39.9%	71.7%	1.88%	-178%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Bank Cards	%
Market Share in Branches	%

...	...					0.865%	0.800%	0.899%	0.913%	0.873%
...	...					0.402%	0.242%	0.424%	0.413%	...	...
...	...	...	...	...	...	1.06%	1.09%	1.07%	1.05%	1.00%
...	...	...	...			0.483%	0.397%	0.338%	0.294%	0.294%
...	...	...	...			0.720%	0.637%	0.622%	0.632%	0.643%

Download Data

balance sheet

Unit

2005

2006

2007

2008

2009

2010

2011

2012

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2017

balance sheet

Cash	PLN mil
Interbank Loans	PLN mil
Customer Loans	PLN mil
Retail Loans	PLN mil
Mortgage Loans	PLN mil
Consumer Loans	PLN mil
Corporate Loans	PLN mil
Debt Securities	PLN mil
Fixed Assets	PLN mil
Total Assets	PLN mil
Shareholders' Equity	PLN mil
Of Which Minority Interest	PLN mil
Liabilities	PLN mil
Interbank Borrowing	PLN mil
Customer Deposits	PLN mil
Retail Deposits	PLN mil
Corporate Deposits	PLN mil
Issued Debt Securities	PLN mil
Other Liabilities	PLN mil

...	...			469	1,050	893	394	615
...	...			94.6	119	152	347	380
...	...			11,353	11,123	12,055	12,489	14,344
...	...			4,721	4,592	4,788	4,684	4,788
...	...			4,000	3,791	3,855	3,844	3,821
...	...			721	800	933	839	967
...	...			3,197	3,459	4,334	5,221	7,377
...	...			6.59	3,963	4,872	5,709	5,108
...	...			248	286	43.8	297	237
				15,637	16,867	18,418	19,672	20,922
				1,149	1,438	1,452	1,548	1,525
				0.000	0.000	0.000	0.000	0.000
				14,488	15,429	16,965	18,124	19,397
...	...			710	466	443	354	0.000
...	...			11,412	11,816	13,196	14,228	15,968
...	...	...	...	4,584	4,617	5,215	7,022	8,397
...	...	...	...	3,941	4,292	4,700	4,501	5,209
...	...			2,188	2,912	3,060	3,161	2,918
...	...			178	235	266	381	510

asset quality

Non-Performing Loans	PLN mil
Gross Loans	PLN mil
Total Provisions	PLN mil

...	...	670	887	686	916	1,043
...	...	11,601	11,420	12,360	12,806	14,726
...	...	249	297	305	316	382

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Consumer Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...	...	...			3.61%	-2.03%	8.38%	3.61%	14.8%
...	...	...			8.91%	-2.74%	4.27%	-2.18%	2.23%
...	...	...			10.9%	-5.22%	1.67%	-0.267%	-0.605%
...	...	...			-0.811%	11.0%	16.6%	-10.1%	15.2%
...	...	...			11.3%	8.20%	25.3%	20.5%	41.3%
...					3.01%	7.86%	9.20%	6.81%	6.35%
...					6.67%	25.1%	1.03%	6.55%	-1.45%
...	...	...			-6.39%	3.54%	11.7%	7.82%	12.2%
...	...	...	...	...	12.6%	0.738%	12.9%	34.7%	19.6%
...	...	...	...	...	-27.9%	8.90%	9.50%	-4.23%	15.7%

market share

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

...	...			1.24%	1.19%	1.24%	1.20%	1.30%
...	...			1.21%	1.27%	1.56%	1.73%	2.25%
...	...			0.337%	0.378%	0.426%	0.360%	0.391%
...	...			0.887%	0.861%	0.863%	0.795%	0.762%
...	...			1.25%	1.18%	1.15%	1.08%	1.00%
				1.21%	1.25%	1.31%	1.28%	1.31%
...	...			1.26%	1.27%	1.35%	1.36%	1.43%
...	...	...	...	0.960%	0.895%	0.951%	1.16%	1.26%
...	...	...	...	1.91%	2.24%	2.24%	1.96%	2.06%

Download Data

ratios

Unit

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Payout Ratio	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	PLN per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

...	...					5.61%	2.90%	4.45%	4.37%	-3.33%
...	...					0.405%	0.231%	0.365%	0.344%	-0.252%
...	...					2.44%	2.30%	2.07%	1.98%	2.12%
...	...					75.9%	79.5%	73.4%	71.6%	88.3%
						12.2%	15.2%	12.4%	14.0%	12.1%
...	...	...	...	...	...	...	11.6%	10.0%	10.5%	9.13%
						1.76%	1.75%	1.57%	1.52%	1.29%
...	...					1.48%	1.42%	1.31%	1.31%	1.13%
...	...					5.35%	5.54%	4.38%	3.92%	3.25%
...	...					3.87%	4.12%	3.06%	2.60%	2.12%
...	...					0.000%	0.000%	0.000%	0.000%	0.000%
...	...					54.6%	60.4%	55.4%	54.9%	53.5%
...	...					22.8%	22.6%	22.0%	19.5%	23.1%
...	...					22.6%	16.9%	22.6%	25.5%	23.4%
...	...	...	...	...	...	2,598	2,360	2,451	2,502	2,553
...	...	...	...	...	...	7,703	7,679	7,747	8,197	8,367
...	...					48.7%	48.8%	48.6%	48.0%	40.9%
						7.35%	8.52%	7.89%	7.87%	7.29%
...	...					99.5%	94.1%	91.3%	87.8%	89.8%
...	...					72.6%	65.9%	65.5%	63.5%	68.6%
...	...					5.78%	7.76%	5.55%	7.15%	7.08%
...	...					37.1%	33.5%	44.5%	34.5%	36.7%
...	...					2.19%	2.67%	2.53%	2.53%	2.66%
...	...					0.382%	0.481%	0.519%	0.556%	0.851%

Download Data

other data

Unit

2005

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2009

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2017

other data

Branches
Employees
Clients	mil
Payment Cards	'000

...	...	...	...			100	98.0	95.0	95.0	93.0
...	...	...	...	...	...	1,981	1,979	1,913	1,840	1,755
...	...	...	...			0.209	0.202	0.219	0.226	0.255
...	...	...	...			153	132	116	105	101

Download Data

Comparison of 18 Banks in Poland

October 24, 2018

This Annual Statistical Dossier offers a comparison of 18 Polish banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 18 Polish banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Bank Ochrony Srodowiska in Numbers

September 22, 2018

This Annual statistical dossier offers a summary of Bank Ochrony Srodowiska's performance between 2005 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

This Annual statistical dossier offers a summary of Bank Ochrony Srodowiska's performance between 2005 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track BOS's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

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Bank Ochrony Srodowiska - Market Share in Mortgage Loans

November 29, 2018

Bank Ochrony Srodowiska's mortgage loans reached PLN 3,134 mil in 2017, down 15.3% compared to the previous year.

Polish banking sector provided mortgage loans of PLN 391 bil in 2017, down 1.49% when compared to the last year.

Bank Ochrony Srodowiska's mortgage loans reached PLN 3,134 mil in 2017, down 15.3% compared to the previous year.

Polish banking sector provided mortgage loans of PLN 391 bil in 2017, down 1.49% when compared to the last year.

Bank Ochrony Srodowiska accounted for 0.795% of all mortgage loans issued in Poland at the end of 2017. Historically, the bank’s market share in mortgage loans reached an all time high of 1.35% in 2010 and an all time low of 0.795% in 2017.

You can see all the company’s data at Bank Ochrony Srodowiska Profile, or you can download a report on the firm in the report section.

What Banks in Poland Had the Most Branches in 2017?

September 25, 2018

Based on a comparison of 14 banks in Poland in 2017, PKO BP had the most branches, followed by Alior Bank and Pekao SA.

PKO BP operated a network of 1,192 branches at the end of 2017. That's compared to 1,233

Based on a comparison of 14 banks in Poland in 2017, PKO BP had the most branches, followed by Alior Bank and Pekao SA.

PKO BP operated a network of 1,192 branches at the end of 2017. That's compared to 1,233 branches some 10 years ago.

Comparing PKO BP with its closest peers, Alior Bank operated a network of 905 branches in 2017, Pekao SA had 851 branches and Bank Zachodni WBK had a network of 735 branches in 2017.

Polish banks operated a network of 1,945 branches in 2017. Total of 41,880 people worked for the banks in 2017.

You can see all the banks branches data on the Branches indicator page or you can download a report on the Polish banks in the report section.

What Banks in Poland Had the Most Employees in 2017?

September 25, 2018

Based on a comparison of 14 banks in Poland in 2017, PKO BP had the most employees, followed by Pekao SA and Bank Zachodni WBK.

PKO BP employed 28,443 persons in 2017, down 3.39% when compared to the previous year. Historically,

Based on a comparison of 14 banks in Poland in 2017, PKO BP had the most employees, followed by Pekao SA and Bank Zachodni WBK.

PKO BP employed 28,443 persons in 2017, down 3.39% when compared to the previous year. Historically, the bank's workforce hit an all time high of 38,341 persons in 2001 and an all time low of 27,387 in 2013.

Average cost reached CZK 8,713 per month per month per employee, 8.55% more than a year ago. This figure was CZK 6,221 per month some 10 years ago.

Comparing PKO BP with its closest peers, Pekao SA had 17,339 employees with average cost of CZK 9,373 per month per person, Bank Zachodni WBK operated with 14,383 people (and CZK 9,054 per month per employee) and Alior Bank had 8,110 employees in 2017 with cost CZK 8,110 per month per head.

Polish banking sector employed 41,880 people in 2017.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Polish banks in the report section.

What Banks in Poland Had the Most Bad Loans in 2017?

September 25, 2018

Based on a comparison of 15 banks in Poland in 2017, Getin Noble Bank had the highest share of bad loans, followed by Bank Ochrony Srodowiska and Bank Pocztowy.

Getin Noble Bank's non-performing loans reached 15.8 of total loans at the

Based on a comparison of 15 banks in Poland in 2017, Getin Noble Bank had the highest share of bad loans, followed by Bank Ochrony Srodowiska and Bank Pocztowy.

Getin Noble Bank's non-performing loans reached 15.8 of total loans at the end of 2017, up from 14.7 when compared to the previous year. Historically, the NPL ratio hit an all time high of 15.8 in 2017 and an all time low of 12.3 in 2011.

Provision coverage amounted to 11.9 at the end of 2017, up from 11.0 compared to a year earlier.

Comparing Getin Noble Bank with its closest peers, Bank Ochrony Srodowiska operated at the end of 2017 with NPL ratio of 11.9 and provision coverage of 40.6, Bank Pocztowy with 11.8 and 63.9 and Alior Bank had 10.8 of bad loans covered with 100 by provisions at the end of 2017.

Non-performing loans of the whole Poland’s banking sector amounted to 3.74 of total loans in 2017, down from 4.59 when compared to the last year.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Polish banks in the report section.

See all charts of the company »

BOS's net interest margin fell 1.63% to 1.89% in 4Q2017

BOS's capital adequacy ratio fell 0.397% to 15.1% in 4Q2017

BOS's net profit fell 180% to PLN -10.9 mil in 4Q2017

BOS's share price (end of period) fell 18.8% to PLN 8.27 in 4Q2017

BOS's net profit fell 180% to PLN -10.9 mil in 4Q2017

BOS's price/earnings (P/E) rose 107% to 11.3 in 4Q2017

BOS's net interest income fell 2.21% to PLN 92.8 mil in 4Q2017

BOS's corporate loans fell 7.75% to PLN 6,284 mil in 4Q2017

BOS's costs (as % of assets) rose 8.43% to 1.91% in 4Q2017

BOS's npls (as % of loans) rose 7.60% to 11.9% in 2017