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Bank Ochrony Srodowiska

BOS's mortgage loans fell 28.6% yoy to PLN 1,856 mil in 2Q2023

By Helgi Library - August 24, 2023

Bank Ochrony Srodowiska's mortgage loans reached PLN 1,856 mil in 2Q2023, down 7.49% compared to the previous year. Polish bank...

BOS's net interest margin rose 9.24% yoy to 3.86% in 2Q2023

By Helgi Library - August 24, 2023

Bank Ochrony Srodowiska's net interest margin amounted to 3.86% in the second quarter of 2023, up from 3.55% when compared to th...

BOS's price/earnings (P/E) fell 6,248% yoy to -181 in 2Q2023

By Helgi Library - August 24, 2023

Bank Ochrony Srodowiska stock traded at per share at the end first quarter of 1970 implying a market capitalization of. Since the end ...

Profit Statement 2020 2021 2022
Net Interest Income PLN mil 371 376 758
Net Fee Income PLN mil 135 142 128
Other Income PLN mil 102 91.9 52.5
Total Revenues PLN mil 607 610 938
Staff Cost PLN mil 171 191 229
Operating Profit PLN mil 231 214 442
Provisions PLN mil 164 114 248
Net Profit PLN mil -307 47.5 128
Balance Sheet 2020 2021 2022
Interbank Loans PLN mil 156 401 243
Customer Loans PLN mil 11,887 11,856 11,126
Investments PLN mil 7,371 7,109 9,271
Total Assets PLN mil 20,506 20,586 22,006
Shareholders' Equity PLN mil 1,913 1,866 1,964
Interbank Borrowing PLN mil 733 420 141
Customer Deposits PLN mil 16,561 17,008 18,821
Issued Debt Securities PLN mil 369 369 345
Ratios 2020 2021 2022
ROE % -14.9 2.51 6.70
ROA % -1.57 0.231 0.602
Costs (As % Of Assets) % 1.93 1.93 2.33
Costs (As % Of Income) % 62.0 64.9 52.9
Capital Adequacy Ratio % 14.9 14.6 15.0
Net Interest Margin % 1.90 1.83 3.56
Loans (As % Of Deposits) % 71.8 69.7 59.1
NPLs (As % Of Loans) % 14.3 14.8 16.3
Provisions (As % Of NPLs) % 65.5 63.9 61.2
Valuation 2020 2021 2022
Market Capitalisation USD mil 153 200 168
Number Of Shares mil 92.9 92.9 92.9
Share Price PLN 6.20 8.72 8.93
Price/Earnings (P/E) -1.88 17.1 6.47
Price/Book Value (P/BV) 0.301 0.434 0.423
Dividend Yield % 0 0 0
Earnings Per Share (EPS) PLN -3.30 0.511 1.38
Book Value Per Share PLN 20.6 20.1 21.1
Dividend Per Share PLN 0 0 0

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summary Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                                        
Net Interest Income PLN mil                                           309 384 384 420 371    
Total Revenues PLN mil                                           511 590 580 597 607    
Operating Profit PLN mil                                           130 210 223 236 231    
Net Profit PLN mil                                           -60.1 46.1 63.7 72.0 -307    
balance sheet                                                        
Interbank Loans PLN mil                                           155 376 196 166 156    
Customer Loans PLN mil                                           13,965 12,344 11,810 12,004 11,887    
Investments PLN mil                                           5,479 5,559 5,488 5,367 7,371    
Total Assets PLN mil                                           20,829 19,677 18,251 18,487 20,506    
                                                           
Shareholders' Equity PLN mil                                           1,782 1,860 2,138 2,200 1,913    
Interbank Borrowing PLN mil                                           116 480 572 600 733    
Customer Deposits PLN mil                                           17,124 15,464 14,799 14,915 16,561    
Issued Debt Securities PLN mil                                           1,431 1,426 417 450 369    
ratios                                                        
ROE % ...                                         -3.70 2.53 3.19 3.32 -14.9    
ROA % ...                                         -0.288 0.227 0.336 0.392 -1.57    
Costs (As % Of Assets) % ...                                         1.83 1.88 1.88 1.97 1.93    
Costs (As % Of Income) %                                           74.6 64.5 61.6 60.5 62.0    
Capital Adequacy Ratio % ... ...                                       14.3 15.1 18.0 16.4 14.9    
Net Interest Margin % ...                                         1.48 1.90 2.03 2.29 1.90    
Interest Income (As % Of Revenues) %                                           60.5 65.1 66.2 70.3 61.1    
Fee Income (As % Of Revenues) %                                           21.4 18.5 16.9 16.5 22.2    
Staff Cost (As % Of Total Cost) % ... ... ...           ...                         45.5 44.8 45.1 43.5 45.4    
Equity (As % Of Assets) %                                           8.55 9.45 11.7 11.9 9.33    
Loans (As % Of Deposits) %                                           81.6 79.8 79.8 80.5 71.8    
Loans (As % Assets) %                                           67.0 62.7 64.7 64.9 58.0    
NPLs (As % Of Loans) % ... ... ...                                     11.0 11.9 12.9 12.2 14.3    
Provisions (As % Of NPLs) % ... ... ...                         ... ...         35.1 40.6 63.0 73.1 65.5    
valuation                                                        
Market Capitalisation USD mil ... ...                                       161 150 182 175 153    
Number Of Shares mil ... ... ... ...                                   41.7 62.8 77.8 92.9 92.9    
Share Price PLN ... ...                                       10.7 8.27 7.35 7.12 6.20    
Earnings Per Share (EPS) PLN ... ... ... ...                                   -1.22 0.711 0.789 0.773 -3.30    
Book Value Per Share PLN ... ... ... ...                                   42.7 29.6 27.5 23.7 20.6    
Dividend Per Share PLN                 ...                         0 0 0 0 0    
Price/Earnings (P/E) ... ... ... ...                                   -8.76 11.6 9.31 9.21 -1.88    
Price/Book Value (P/BV) ... ... ... ...                                   0.250 0.279 0.268 0.301 0.301    
Dividend Yield % ... ...             ...                         0 0 0 0 0    
Earnings Per Share Growth % ... ... ... ... ...                                 -45.6 -158 10.9 -2.07 -527    
Book Value Per Share Growth % ...                                         -33.6 -30.6 -7.24 -13.8 -13.1    
income statement Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                                        
Interest Income PLN mil                                           695 664 628 628 519    
Interest Cost PLN mil                                           385 280 244 208 148    
Net Interest Income PLN mil                                           309 384 384 420 371    
Net Fee Income PLN mil                                           109 109 97.9 98.4 135    
Fee Income PLN mil                                           140 144 135 132 172    
Fee Expense PLN mil                                           31.0 35.4 37.1 33.7 37.3    
Other Income PLN mil                                           92.5 97.2 97.9 78.9 102    
Total Revenues PLN mil                                           511 590 580 597 607    
Staff Cost PLN mil ... ... ...           ...                         173 171 161 157 171    
Depreciation PLN mil ... ... ... ... ... ... ... ... ... ... ... ...                   45.4 42.0 39.8 55.7 52.9    
Other Cost PLN mil ... ... ... ... ... ... ... ... ... ... ... ...                   162 168 156 149 153    
Operating Cost PLN mil                                           381 381 357 361 376    
Operating Profit PLN mil                                           130 210 223 236 231    
Provisions PLN mil                                           209 138 134 105 164    
Extra and Other Cost PLN mil                                           0 0 0 21.2 353    
Pre-Tax Profit PLN mil                                           -78.9 71.7 88.5 110 -286    
Tax PLN mil                                           -18.8 25.6 24.8 38.2 21.2    
Minorities PLN mil                                           0 0 0 0 0    
Net Profit PLN mil                                           -60.1 46.1 63.7 72.0 -307    
Net Profit Avail. to Common PLN mil                                           -60.1 46.1 63.7 72.0 -307    
Dividends PLN mil                 ...                         0 0 0 0 0    
growth rates                                                        
Net Interest Income Growth % ...                                         18.3 24.2 0.025 9.34 -11.7    
Net Fee Income Growth % ...                                         -3.16 -0.104 -10.2 0.489 36.8    
Total Revenue Growth % ...                                         4.61 15.5 -1.76 3.01 1.69    
Operating Cost Growth % ...                                         -11.6 -0.091 -6.16 1.15 4.15    
Operating Profit Growth % ...                                         127 61.4 6.24 5.99 -2.07    
Pre-Tax Profit Growth % ...                                         38.8 -191 23.5 24.5 -359    
Net Profit Growth % ...                                         17.7 -177 38.4 13.0 -526    
market share                                                        
Market Share in Revenues %                                           0.864 0.954 0.901 0.849 0.984   ...
Market Share in Net Profit %                                           -0.432 0.337 0.488 0.523 90.5    
Market Share in Employees % ...   ...         ... ... ...                       1.04 0.952 0.903 0.834 0.915    
Market Share in Bank Cards % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         0.271 0.252 0.242 0.201 0.182    
Market Share in Branches % ... ... ... ... ... ... ... ... ...   ... ... ...                 0.718 0.563 0.554 0.521 0.489 ... ...
balance sheet Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
balance sheet                                                        
Cash & Cash Equivalents PLN mil                                           514 633 187 298 267    
Interbank Loans PLN mil                                           155 376 196 166 156    
Customer Loans PLN mil                                           13,965 12,344 11,810 12,004 11,887    
Retail Loans PLN mil   ... ... ... ... ... ... ... ... ... ...                     6,694 3,962 3,707 3,552 3,464    
Mortgage Loans PLN mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     3,698 3,232 3,071 2,889 2,846    
Consumer Loans PLN mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     2,997 730 636 664 618    
Corporate Loans PLN mil   ... ... ... ... ... ... ... ... ... ...                     7,832 8,375 7,993 8,409 8,364    
Investments PLN mil                                           5,479 5,559 5,488 5,367 7,371    
Property and Equipment PLN mil                                           81.7 72.7 68.4 157 84.7    
Intangible Assets PLN mil ... ... ...                                     131 121 120 117 111    
Goodwill PLN mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         0.983 0.973 0.973 0.973 ... ... ...
Total Assets PLN mil                                           20,829 19,677 18,251 18,487 20,506    
                                                           
Shareholders' Equity PLN mil                                           1,782 1,860 2,138 2,200 1,913    
Of Which Minority Interest PLN mil                                           0 0 0 0 0    
Liabilities PLN mil                                           19,048 17,816 16,113 16,287 18,593    
Interbank Borrowing PLN mil                                           116 480 572 600 733    
Customer Deposits PLN mil                                           17,124 15,464 14,799 14,915 16,561    
Retail Deposits PLN mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     10,797 9,344 8,826 8,891 9,381    
Corporate Deposits PLN mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     3,652 5,013 4,942 5,117 6,306    
Sight Deposits PLN mil                 ... ... ...                     5,641 7,088 7,065 7,068 10,333    
Term Deposits PLN mil                 ... ... ...                     10,081 7,270 7,734 7,847 6,227    
Issued Debt Securities PLN mil                                           1,431 1,426 417 450 369    
Subordinated Debt PLN mil ... ... ... ... ... ... ...     ... ... ... ... ...               601 596 371 371 369    
Other Liabilities PLN mil                                           377 447 325 322 930    
asset quality                                                        
Non-Performing Loans PLN mil ... ... ...                                     1,603 1,539 1,656 1,601 1,880    
Gross Loans PLN mil                                           14,528 12,970 12,853 13,175 13,118    
Risk-Weighted Assets PLN mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         14,637 14,459 13,672 14,915 14,439    
Total Provisions PLN mil                               ... ...         563 626 1,043 1,171 1,231    
growth rates                                                        
Customer Loan Growth % ...                                         -2.64 -11.6 -4.33 1.65 -0.971    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ...                   -6.46 -40.8 -6.43 -4.18 -2.49    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   -3.23 -12.6 -4.99 -5.93 -1.48    
Consumer Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   -10.2 -75.6 -12.8 4.26 -6.89    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ...                   3.47 6.94 -4.56 5.21 -0.537    
Total Asset Growth % ...                                         -0.441 -5.53 -7.25 1.29 10.9    
Shareholders' Equity Growth % ...                                         21.3 4.41 14.9 2.92 -13.0    
Customer Deposit Growth % ...                                         7.24 -9.69 -4.30 0.783 11.0    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   34.8 -13.5 -5.55 0.745 5.51    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   -34.8 37.3 -1.42 3.53 23.2    
market share                                                        
Market Share in Customer Loans %                                           1.20 1.02 0.885 0.861 0.849    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ... ... ...                     2.27 2.29 2.15 2.19 2.28    
Market Share in Retail Loans % ... ... ... ... ... ... ... ... ... ... ...                     1.02 0.594 0.527 0.480 0.456    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1.15 0.263 0.198 0.196 0.185    
Market Share in Mortgage Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     0.932 0.827 0.803 0.719 0.671    
Market Share in Total Assets %                                           1.25 1.14 0.967 0.928 0.877    
Market Share in Customer Deposits %                                           1.42 1.23 1.09 1.01 0.984    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1.61 1.35 1.16 1.07 1.04    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1.04 1.36 1.27 1.19 1.20    
ratios Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                         
ROE % ...                                         -3.70 2.53 3.19 3.32 -14.9    
ROTE % ... ... ... ...                                   -4.05 2.72 3.39 3.51 -15.8    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       -5.08 2.11 3.02 3.36 -13.9    
ROA % ...                                         -0.288 0.227 0.336 0.392 -1.57    
Return on Loans %                                           -0.425 0.350 0.528 0.605 -2.57    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1.64 1.44 1.58 1.65 1.57    
Costs (As % Of Assets) % ...                                         1.83 1.88 1.88 1.97 1.93    
Costs (As % Of Income) %                                           74.6 64.5 61.6 60.5 62.0    
Costs (As % Of Loans) % ...                                         2.69 2.89 2.96 3.03 3.15    
Costs (As % Of Loans & Deposits) % ...                                         1.24 1.29 1.31 1.35 1.36    
Capital Adequacy Ratio % ... ...                                       14.3 15.1 18.0 16.4 14.9    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         11.4 11.7 15.3 14.2 13.1    
Net Interest Margin % ...                                         1.48 1.90 2.03 2.29 1.90    
Interest Spread % ...                                         1.33 1.76 1.87 2.14 1.81    
Asset Yield % ...                                         3.33 3.28 3.31 3.42 2.66    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       6.47 4.06 4.12 4.18 4.14    
Cost Of Liabilities % ...                                         2.00 1.52 1.44 1.28 0.846    
Payout Ratio %                 ...                         0 0 0 0 0    
Interest Income (As % Of Revenues) %                                           60.5 65.1 66.2 70.3 61.1    
Fee Income (As % Of Revenues) %                                           21.4 18.5 16.9 16.5 22.2    
Other Income (As % Of Revenues) %                                           18.1 16.5 16.9 13.2 16.8    
Staff Cost (As % Of Total Cost) % ... ... ...           ...                         45.5 44.8 45.1 43.5 45.4    
Equity (As % Of Assets) %                                           8.55 9.45 11.7 11.9 9.33    
Equity (As % Of Loans) %                                           12.8 15.1 18.1 18.3 16.1    
Loans (As % Of Deposits) %                                           81.6 79.8 79.8 80.5 71.8    
Loans (As % Assets) %                                           67.0 62.7 64.7 64.9 58.0    
NPLs (As % Of Loans) % ... ... ...                                     11.0 11.9 12.9 12.2 14.3    
Provisions (As % Of NPLs) % ... ... ...                         ... ...         35.1 40.6 63.0 73.1 65.5    
Provisions (As % Of Loans) %                               ... ...         4.03 5.07 8.84 9.76 10.4    
Cost of Provisions (As % Of Loans) % ...                                         1.47 1.05 1.11 0.878 1.37    
other data Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                         
Branches ... ... ... ... ... ... ... ... ...   ... ... ...                 98.0 78.0 70.0 64.0 51.0    
Employees ...   ...         ... ... ...                       1,758 1,565 1,468 1,309 1,364    
Employees Per Bank Branch ... ... ... ... ... ... ... ... ... ... ... ... ...                 17.9 20.1 21.0 20.5 26.7    
Cost Per Employee USD per month ... ... ...         ... ... ...                       2,032 2,371 2,529 2,646 2,736    
Cost Per Employee (Local Currency) PLN per month ... ... ...         ... ... ...                       8,211 9,083 9,155 9,998 10,430    
customer breakdown Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                         
Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             0.264 0.253 0.247 0.242 0.217    
Number of Accounts mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.601 0.597 0.600 ... ...
Payment Cards mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         0.100 0.099 0.100 0.086 0.080    
Average Size of Deposit PLN ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 24,608 24,971 27,601 ... ...
Accounts (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 243 247 277 ... ...
Payments Cards (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         37.8 39.0 40.4 35.6 36.8    
                                                           
Market Value per Customer (Local Currency) PLN ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             2,540 2,058 2,773 2,740 2,658    
Revenue per Customer (Local Currency) PLN ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             1,933 2,331 2,345 2,468 2,802    
Net Profit per Customer (Local Currency) PLN ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             -228 182 258 297 -1,416    
Loan per Customer (Local Currency) PLN ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             52,839 48,751 47,754 49,602 54,831    
Deposit per Customer (Local Currency) PLN ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             64,788 61,074 59,843 61,632 76,387    
Market Value per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             608 591 738 721 707    
Revenue per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             478 609 648 653 735    
Net Profit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             -56.3 47.5 71.2 78.7 -371    
Loan per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             12,643 14,004 12,702 13,061 14,589    
Deposit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             15,502 17,543 15,917 16,229 20,324    

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BOS's total revenues rose 2.19% yoy to PLN 264 mil in 2Q2023

By Helgi Library - August 24, 2023

Bank Ochrony Srodowiska generated total banking revenues of PLN 264 mil in 2023-06-30, up 7.71% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 26,662 mil in 2023-06-30, down 4.41% when compared to t...

BOS's npls (as % of loans) rose 1.50% yoy to 16.8% in 2Q2023

By Helgi Library - August 24, 2023

Bank Ochrony Srodowiska's non-performing loans reached 16.8% of total loans at the end of 2023-06-30, up from 16.5% compared to the previous year. Historically, the NPL ratio hit an all time high of 17.7% in 2022-09-30 and an all time low of 5.55% in 2013-12-31. ...

BOS's retail loans fell 26.4% yoy to PLN 2,303 mil in 2Q2023

By Helgi Library - August 24, 2023

Bank Ochrony Srodowiska's retail loans reached PLN 2,303 mil in the second quarter of 2023, down 6.15% compared to the previous year. Polish banking sector provided retail loans of PLN 722 bil in 2Q2023, down 0.570% when compared to the last year. Bank Oc...

BOS's customer deposits fell 4.87% yoy to PLN 19,007 mil in 2Q2023

By Helgi Library - August 24, 2023

Bank Ochrony Srodowiska's customer deposits reached PLN 19,007 mil in 2023-06-30, down 0.168% compared to the previous year. Polish banking sector accepted customer deposits of PLN 2,045 bil in 2023-06-30, up 2.00% when compared to the last year. Bank Och...

BOS's customer loans fell 10.9% yoy to PLN 10,442 mil in 2Q2023

By Helgi Library - August 24, 2023

Bank Ochrony Srodowiska's customer loans reached PLN 10,442 mil in 2023-06-30, down 1.23% compared to the previous year. Polish banking sector provided customer loans of PLN 1,584 bil in 2023-06-30, down 0.064% when compared to the last year. Bank Ochrony...

BOS's payment cards fell 10.4% yoy to 0.064 mil in 3Q2022

By Helgi Library - September 15, 2023

Bank Ochrony Srodowiska has issued total of 0.064 mil payment cards at the end of 2022-09-30, down 3.03% compared to the previous year. Polish banking sector banking sector issued total of 44.1 mil of bank cards in 2022-09-30, up 0.271% when compared t...

BOS's capital adequacy ratio rose 12.4% yoy to 16.1% in 2Q2023

By Helgi Library - August 24, 2023

Bank Ochrony Srodowiska's capital adequacy ratio reached 16.1% at the end of second quarter of 2023, up from 14.9% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 17.4% in 3Q2018 and an all time low of 12.1% in ...

BOS's retail deposits fell 6.59% yoy to PLN 10,846 mil in 2Q2023

By Helgi Library - August 24, 2023

Bank Ochrony Srodowiska's retail deposits reached PLN 10,846 mil in 2023-06-30, up 4.45% compared to the previous year. Polish banking sector accepted retail deposits of PLN 1,068 bil in 2023-06-30, up 1.91% when compared to the last year. Bank Ochrony Sr...

BOS's net interest income rose 10.6% yoy to PLN 215 mil in 2Q2023

By Helgi Library - August 24, 2023

Bank Ochrony Srodowiska generated total banking revenues of PLN 264 mil in the second quarter of 2023, up 2.19% when compared to the same period of last year and 7.71% when compared to the previous quarter. Historically, the bank’s revenues containing of inte...

BOS's net profit fell 102% yoy to PLN -1.24 mil in 2Q2023

By Helgi Library - August 24, 2023

Bank Ochrony Srodowiska made a net profit of PLN -1.24 mil under revenues of PLN 264 mil in the second quarter of 2023, down 102% and up 2.19% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time...

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Bank Ochrony Środowisk (BOS) is a Poland's small-sized bank. The Bank specializes in supporting undertakings and activities contributing to environmental protection. The Bank divides its business activities into two divisions: Corporate and Public Finances division and Retail division. Its main products and services include deposit accounts, lending accounts, commercial loan facilities, investment banking services, trade finance services and foreign exchange and fiduciary services. As of December 31, 2011, the parent entity to BOS SA was Narodowy Fundusz Ochrony Srodowiska i Gospodarki Wodnej. Since 1997 its shares have been traded in the primary market of the Warsaw Stock Exchange.

Bank Ochrony Srodowiska Logo

Finance

Bank Ochrony Srodowiska has been growing its revenues and asset by 7.32% and 2.70% a year on average in the last 10 years. Its loans and deposits have grown by 0.003% and 4.76% a year during that time and loans to deposits ratio reached 59.1% at the end of 2022. The company achieved an average return on equity of 0.497% in the last decade with net profit growing 14.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 52.9% in 2022, compared to 67.4% average in the last decade.

Equity represented 8.93% of total assets or 17.7% of loans at the end of 2022. Bank Ochrony Srodowiska's non-performing loans were 16.3% of total loans while provisions covered some 61.2% of NPLs at the end of 2022.

Valuation

Bank Ochrony Srodowiska stock traded at per share at the end of 2022 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of -1.91% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 6.47x and price to book value (PBV) of 0.423x in 2022.