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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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2018

income statement

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

		284	276	289	261	309
...	...	470	499	527	488	511
...	...	96.5	133	150	57.3	130
...	...	37.5	64.4	65.6	-51.1	-60.1

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

...	...	119	152	347	380	155
...	...	11,123	12,055	12,489	14,344	13,965
...	...	3,963	4,872	5,709	5,108	5,611
		16,867	18,418	19,672	20,922	20,830
		1,438	1,452	1,548	1,525	1,782
...	...	466	443	354	0	116
...	...	11,816	13,196	14,228	15,968	17,124
...	...	2,912	3,060	3,161	2,918	1,581

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)	%

...	...	2.90%	4.45%	4.37%	-3.33%	-3.64%
...	...	0.231%	0.365%	0.344%	-0.252%	-0.288%
...	...	2.30%	2.07%	1.98%	2.12%	1.83%
...	...	79.5%	73.4%	71.6%	88.3%	74.6%
		15.2%	12.4%	14.0%	12.1%	14.3%
		1.75%	1.57%	1.52%	1.29%	1.48%
...	...	60.4%	55.4%	54.9%	53.5%	60.5%
...	...	22.6%	22.0%	19.5%	23.1%	21.4%
...	...	48.8%	48.6%	48.0%	40.9%	45.5%
		8.52%	7.89%	7.87%	7.29%	8.55%
...	...	94.1%	91.3%	87.8%	89.8%	81.6%
...	...	65.9%	65.5%	63.5%	68.6%	67.0%
...	...	7.76%	5.55%	7.15%	7.08%	11.0%
...	...	33.5%	44.5%	34.5%	36.7%	35.1%

valuation

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

...	...	...	...	...	...	...	...	351	218	110	117
							19.6	22.9	22.9	22.9	42.9
...	...	...	...	...	...	...	...	46.3	33.7	17.1	11.4
...	...						1.91	2.81	2.87	-2.23	-1.40
							62.8	63.5	67.7	66.7	28.3
							0	0	0	0	0
...	...	...	...	...	...	...	...	16.4	11.8	...	...
...	...	...	...	...	...	...	...	0.728	0.499	0.256	0.402
...	...	...	...	...	...	...	...	0%	0%	0%	0%
...	...	...					-49.9%	47.3%	1.88%	-178%	-37.2%
...							-10.5%	1.03%	6.55%	-1.45%	-57.5%

Download Data

income statement

Unit

2005

2006

2007

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2018

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

...	...	900	772	746	660	695
...	...	616	496	457	399	385
		284	276	289	261	309
		106	110	103	113	109
...	...	79.6	113	135	114	92.5
...	...	470	499	527	488	511
...	...	182	178	181	176	173
...	...	35.9	46.2	49.1	52.5	45.4
...	...	155	142	147	202	162
...	...	374	366	377	431	381
...	...	96.5	133	150	57.3	130
...	...	54.0	60.2	68.2	114	209
...	...	< 0.001	< -0.001	< -0.001	< 0.001	< -0.001
...	...	42.4	72.8	81.5	-56.9	-78.9
...	...	4.94	8.40	16.0	-5.73	-18.8
...	...	0	0	0	0	0
...	...	37.5	64.4	65.6	-51.1	-60.1
		0	0	0	0	0

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	%

...			5.08%	-2.82%	4.82%	-9.68%	18.3%
...			-6.05%	3.26%	-6.16%	9.43%	-3.16%
...	...	...	-5.13%	6.13%	5.62%	-7.32%	4.61%
...	...	...	-0.633%	-2.05%	3.08%	14.3%	-11.6%
...	...	...	-19.3%	37.8%	12.6%	-61.7%	127%
...	...	...	-44.8%	71.4%	12.1%	-170%	38.8%
...	...	...	-39.9%	71.7%	1.88%	-178%	17.7%

market share

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

...	...					0.800%	0.899%	0.913%	0.873%	0.861%	...
...	...					0.242%	0.424%	0.413%	...	...	...
...	...	...	...	...	...	1.09%	1.07%	1.05%	1.00%	0.969%	...
...	...	...	...			0.397%	0.338%	0.294%	0.294%	0.285%	...
...	...	...	...			0.637%	0.622%	0.632%	0.643%	0.588%	...

Download Data

balance sheet

Unit

2005

2006

2007

2008

2009

2010

2011

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2018

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

...	...			1,050	893	394	615	514
...	...			119	152	347	380	155
...	...			11,123	12,055	12,489	14,344	13,965
...	...			4,592	4,788	4,684	4,788	4,616
...	...			3,791	3,855	3,844	3,821	3,698
...	...			800	933	839	967	918
...	...			3,459	4,334	5,221	7,377	7,497
...	...			3,963	4,872	5,709	5,108	5,611
...	...			286	43.8	297	237	213
				16,867	18,418	19,672	20,922	20,830
				1,438	1,452	1,548	1,525	1,782
				0	0	0	0	0	...
				15,429	16,965	18,124	19,397	19,048
...	...			466	443	354	0	116
...	...			11,816	13,196	14,228	15,968	17,124
...	...	...	...	4,617	5,215	7,022	8,397	10,797
...	...	...	...	4,292	4,700	4,501	5,209	4,094
...	...			2,912	3,060	3,161	2,918	1,581
...	...			235	266	381	510	227

asset quality

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

...	...	887	686	916	1,043	1,603
...	...	11,420	12,360	12,806	14,726	14,528
...	...	297	305	316	382	563

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	%

...	...	...			-2.03%	8.38%	3.61%	14.8%	-2.64%
...	...	...			-2.74%	4.27%	-2.18%	2.23%	-3.61%
...	...	...			-5.22%	1.67%	-0.267%	-0.605%	-3.23%
...	...	...			11.0%	16.6%	-10.1%	15.2%	-5.12%
...	...	...			8.20%	25.3%	20.5%	41.3%	1.62%
...					7.86%	9.20%	6.81%	6.35%	-0.441%
...					25.1%	1.03%	6.55%	-1.45%	16.8%
...	...	...			3.54%	11.7%	7.82%	12.2%	7.24%
...	...	...	...	...	0.738%	12.9%	34.7%	19.6%	28.6%
...	...	...	...	...	8.90%	9.50%	-4.23%	15.7%	-21.4%

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	%

...	...			1.19%	1.24%	1.20%	1.30%	1.20%	...
...	...			1.27%	1.56%	1.73%	2.25%	2.17%	...
...	...			0.378%	0.426%	0.360%	0.391%	0.352%	...
...	...			0.861%	0.863%	0.795%	0.762%	0.699%	...
...	...			1.18%	1.15%	1.08%	1.00%	0.924%	...
				1.25%	1.31%	1.28%	1.31%	1.22%	...
...	...			1.27%	1.35%	1.36%	1.43%	1.41%	...
...	...	...	...	0.895%	0.951%	1.16%	1.26%	1.48%	...
...	...	...	...	2.24%	2.24%	1.96%	2.06%	1.49%	...

Download Data

ratios

Unit

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

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)	%

...	...						2.90%	4.45%	4.37%	-3.33%	-3.64%
...	...						0.231%	0.365%	0.344%	-0.252%	-0.288%
...	...						2.30%	2.07%	1.98%	2.12%	1.83%
...	...						79.5%	73.4%	71.6%	88.3%	74.6%
							15.2%	12.4%	14.0%	12.1%	14.3%
...	...	...	...	...	...	...	11.6%	10.0%	10.5%	9.13%	11.4%
							1.75%	1.57%	1.52%	1.29%	1.48%
...	...						1.42%	1.31%	1.31%	1.13%	1.32%
...	...						5.54%	4.38%	3.92%	3.25%	3.33%
...	...						4.12%	3.06%	2.60%	2.12%	2.01%
...	...						0%	0%	0%	0%	0%
...	...						60.4%	55.4%	54.9%	53.5%	60.5%
...	...						22.6%	22.0%	19.5%	23.1%	21.4%
...	...						16.9%	22.6%	25.5%	23.4%	18.1%
...	...	...	...	...	...		2,360	2,451	2,502	2,553	2,132
...	...	...	...	...	...		7,679	7,747	8,197	8,367	8,613
...	...						48.8%	48.6%	48.0%	40.9%	45.5%
							8.52%	7.89%	7.87%	7.29%	8.55%
...	...						94.1%	91.3%	87.8%	89.8%	81.6%
...	...						65.9%	65.5%	63.5%	68.6%	67.0%
...	...						7.76%	5.55%	7.15%	7.08%	11.0%
...	...						33.5%	44.5%	34.5%	36.7%	35.1%
...	...						2.67%	2.53%	2.53%	2.66%	4.03%
...	...						0.481%	0.519%	0.556%	0.851%	1.47%

Download Data

other data

Unit

2005

2006

2007

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2009

2010

2011

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2018

other data

Branches
Employees
Clients	mil
Payment Cards	'000

...	...	...	...			98.0	95.0	95.0	93.0	85.0
...	...	...	...	...	...	1,979	1,913	1,840	1,755	1,676
...	...	...	...			0.202	0.219	0.226	0.255	0.264
...	...	...	...			132	116	105	101	102

Download Data

Bank Ochrony Srodowiska in Quarterly Numbers

August 15, 2019

This Quarterly statistical dossier offers a summary of Bank Ochrony Srodowiska's performance between Mar 10 and Jun 19 on an quarterly 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

This Quarterly statistical dossier offers a summary of Bank Ochrony Srodowiska's performance between Mar 10 and Jun 19 on an quarterly 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.

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 2018 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 2018 on an annual basis. The report can be downloaded as an excel file.

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 Capitalization Peers Comparison

October 23, 2019

Bank Ochrony Srodowiska stock traded at HKD 5.28 per share at the end of second quarter of 2019 implying a market capitalization of USD 49,570 mil.

Over the last five years, the stock has appreciated by 23.4 implying an annual

Bank Ochrony Srodowiska stock traded at HKD 5.28 per share at the end of second quarter of 2019 implying a market capitalization of USD 49,570 mil.

Over the last five years, the stock has appreciated by 23.4 implying an annual average growth of 4.29% In absolute terms, the value of the company grew by USD 8,535 mil.

At the end of the second quarter of 2019, the bank traded at price to earnings of 5.82x and price to book value of 0.608x. The bank generated its shareholders an average return on equity of 11.8% in the last five years and average dividend yield of 0%

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

Bank Ochrony Srodowiska - Capital To Assets

October 7, 2019

Bank Ochrony Srodowiska's Equity reached of total assets in the 2Q2019, up from % for the previous year. As a share of net customer loans, the ratio amounted to at the end of the second quarter of 2019.

Bank Ochrony Srodowiska - Market Share in Retail Loans

August 27, 2019

Bank Ochrony Srodowiska's retail loans reached PLN 3,917 mil in the fourth quarter of 2017, down 7.72% compared to the previous year.

Polish banking sector provided retail loans of PLN 668 bil in 4Q2017, down 0.192% when compared

Bank Ochrony Srodowiska's retail loans reached PLN 3,917 mil in the fourth quarter of 2017, down 7.72% compared to the previous year.

Polish banking sector provided retail loans of PLN 668 bil in 4Q2017, down 0.192% when compared to the last year.

Bank Ochrony Srodowiska accounted for 0.587% of all retail loans issued in Poland at the end of 4Q2017. Historically, the bank’s market share in retail loans reached an all time high of 0.890% in 4Q2011 and an all time low of 0.587% in 4Q2017.

That's compared to a 1.06% market share the bank held in terms of total assets at the end of fourth quarter of 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.

Bank Ochrony Srodowiska - Quarterly Cost of Risk

August 23, 2019

Bank Ochrony Srodowiska's Cost of Risk (loan loss provisions as % of total assets) amounted to 0.674% in the second quarter of 2019, up from 0.172% when compared to the previous quarter.

Historically, the bank’s cost of risk

Bank Ochrony Srodowiska's Cost of Risk (loan loss provisions as % of total assets) amounted to 0.674% in the second quarter of 2019, up from 0.172% when compared to the previous quarter.

Historically, the bank’s cost of risk reached an all time high of 2.41% in 4Q2016 and an all time low of 0.115% in 1Q2012. The average cost of risk in the last six quarters amounted to 0.614%.

On the other hand, average asset yield was 3.47% in 2Q2019, up from 3.30% when compared to the same period last year. Cost of funding amounted to 1.31% in 2Q2019, down from 1.51%.

When compared to bank's main peers, mBank operated in the second quarter of 2019 with a cost of risk of 0.588%.

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

See all charts of the company »

BOS's net interest margin rose 3.14% to 2.31% in 2Q2019

BOS's employees fell 3.40% to 1,364 in 2Q2019

BOS's net profit rose 58.2% to PLN 27.0 mil in 2Q2019

BOS's capital adequacy ratio rose 3.71% to 17.3% in 2Q2019

BOS's npls (as % of loans) fell 3.78% to 12.5% in 2Q2019

BOS's costs (as % of assets) fell 21.4% to 1.82% in 2Q2019

BOS's net interest income rose 3.78% to PLN 107 mil in 2Q2019

BOS's corporate loans fell 0.436% to PLN 7,969 mil in 2Q2019

BOS's price/earnings (P/E) fell 16.2% to 9.82 in 2Q2019