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...
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...
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...
| 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 |
Get all company financials in excel:
| 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 | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.989 | 0.574 | 0.527 | 0.480 | 0.456 | ||||||||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.07 | 0.244 | 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 |
Get all company financials in excel:
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 the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.64% in 4Q2022 and an all time low o...
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 of 1Q1965, the stock has A PHP Error was encountered Severity: Warning Message: A non-numeric value encountered Filename: src/Environment.php...
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 of 1Q1965, the stock has A PHP Error was encountered Severity: Warning Message: A non-numeric value encountered Filename: src/Environment.php...
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...
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...
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. ...
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. ...
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...
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...
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...
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 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.
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.
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