Bank Ochrony Srodowiska S.a. · GPW:BOS
Bank Ochrony Srodowiska — H1 2025 Earnings Presentation
25 slides from Bank Ochrony Srodowiska's earnings presentation, Aug 14, 2025
Slide 1: Financial results and operations of the Bank Ochrony Środowiska Group in H1 2025
Financial results and operations of the Bank Ochrony Środowiska Group in H1 2025 14 August 2025
Slide 2: Key information; Business and financial performance; Macroeconomic environment; Appendices
1 Key information 2 Business and financial performance 3 Macroeconomic environment 4 Appendices 2
Slide 3: H1 2025 financial highlights of the BOŚ Group
H1 2025 financial highlights of the BOŚ Group Net profit/(loss) Net interest income Net fee and • Net profit came in at PLN commission income 79.7 million vs PLN 50.2 million in H1 2024. PLN 79.7 million PLN 404 million PLN 65.1 million • In H1 2025, the Bank’s net interest income improved up 58.7%
Slide 4: Green loan portfolio based on sustainable construction, energy and industry
Green loan portfolio based on sustainable construction, energy and industry Green loan balance by strategic investment sectors [%] Our track record in numbers (1991–2025) PLN 32 billion Value closed of green transactions 6% Value of completed green 5% PLN 62 billion projects financed by BOŚ S.A. 4%
Slide 5: Key business initiatives
Key business initiatives BOŚ has joined KUKE’s green guarantee programme, broadening access to support for Poland’s green transition The new instruments help businesses finance their energy transition expenditures on the path to achieving climate neutrality. Green guarantees can secure up to 80% of
Slide 6: Changes in the product portfolio and marketing strategy
Changes in the product portfolio and marketing strategy New loan product – Pożyczka JST The new product provides local governments with an additional and flexible financing option. It can be used for a wide range of current needs, such as covering temporary budget shortfalls during the year, financi
Slide 7: Financial highlights
Financial highlights hts at end of period (PLN thousand) Interest and similar income Interest expense and similar charges Net interest income Fee and commission income Fee and commission expense Net fee and commission income Profit before tax Net profit attributable to owners of the Bank Assets Amou
Slide 8: Selected financial metrics
Selected financial metrics Impact of CRR3 on capital adequacy Since 1 January 2025, the Bank has complied with Regulation (EU) 2024/1623 of the European Parliament and of the Council of 31 May 2024, amending the Capital Requirements Regulation (CRR). The decline in its capital ratios is primarily dr
Slide 9: BOŚ S.A. at a glance
BOŚ S.A. at a glance Mission: Providing comprehensive Vision: BOŚ as the premier specialist bank for clients. We are a valued partner in banking support for the green transition. services. Stable ownership structure Head Office and branches • Head Office in Warsaw • 16 business centres Other shareho
Slide 10: BOŚ Bank priorities
BOŚ Bank priorities Focus on acquiring clients and increasing client satisfaction, building lasting relationships Accelerating client acquisition and activation of the existing client base combined with increasing the products-per-client ratio A leader in driving Poland’s green transition Growth in
Slide 11: Business and financial performance
1 Key information 2 Business and financial performance 3 Macroeconomic environment 4 Appendices 11
Slide 12: Expanding total assets
Expanding total assets Asset structure (PLN million) New volumes of the Group’s credit assets (PLN million)1 -0.3% +3.4% 10,105 10,075 23,481 22,718 Term loans/facilities advanced to Loans and 5,403 5,386 10,075 corporate clients advances 10,105 to clients Working capital 762 856 facilities 1,472 1,
Slide 13: Growing balance of deposits from SME, micro-enterprise and retail clients
Growing balance of deposits from SME, micro-enterprise and retail clients Deposits and other amounts due to clients (PLN million)1 Deposits from SME, micro-enterprise and retail clients (PLN million)1 +11.2% 3.5% 12,197 10,350 10,964 19,774 19,101 current/ 5 058 4 800 4 947 17,363 checking accounts
Slide 14: Improved performance in legal risk of FX mortgage loans, fair value and investment securities
Improved performance in terms of effect of legal risk of foreign currency mortgage loans, gain/(loss) on financial instruments measured at fair value, and gain/(loss) on investment securities Gain (loss) on financial instruments Legal risk of foreign currency Gain (loss) on investment securities mea
Slide 15: Expansion of business volumes in brokerage and lease receivables segments
Expansion of business volumes in the brokerage (Dom Maklerski BOŚ) and lease receivables segments Dom Maklerski BOŚ Lease receivables (PLN million) number of investment accounts (thousand) 1.2% 3.8% 250,2 247,3 216,6 208,6 +3 Q4 2024 Q2 2025 Q4 2024 Q2 2025 15
Slide 16: Net interest income
Net interest income Net interest income (PLN million) Interest margin (net interest income / assets) -0.41 pp 0.4% 3.85% 3.80% 4.16% 4.10% 402 404 3.71% 3.77% 3.86% 3.77% 3.95% 4.00% 4.00% 3.51% 3.65% 3.60% 3.62% 3.51% 3.45% 3.45% Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 20
Slide 17: Higher fee and commission income leading to yoy increase in net fee and commission income
Higher fee and commission income leading to yoy increase in net fee and commission income Net fee and commission income Fee and commission income and expense (PLN million) (PLN million) +7.7% +2.2% 64 65 Fee and commission income 91 84 Q1-Q2 2024 Q1-Q2 2025 Fee and commission expense -21 -26 +24.3%
Slide 18: Change in employee benefit expense
Change in employee benefit expense General and administrative General and administrative expenses expenses yoy (PLN million) qoq (PLN million) +12% 156.3 -10.0% 139.0 173.6 168.5 156.3 59% 139.0 137.8 Employee 57% 98,9 85,3 benefits 92,4 Employee benefits 78,9 78,0 Administrative 28% 29% Administrat
Slide 19: Net profit/(loss)
Net profit/(loss) Net profit/(loss) (PLN million) Drivers of net profit evolution yoy (PLN million) +59% Net profit Q1–Q2 2024 50,2 79,7 Net interest income 1.6 Net fee and commission income 1.4 1) Net other income 32,4 50,2 Cost-of-risk 31,3 +58.7% Effect of legal risk – ‘large CJEU’ 48,0 Administr
Slide 20: Macroeconomic environment
1 Key information 2 Business and financial performance 3 Macroeconomic environment 4 Appendices 20
Slide 21: Macroeconomic situation
Macroeconomic situation Poland’s economy gained modest momentum in H1 2025... … with steady increase in consumer lending and a faster pace of corporate loan growth Inflation eased slightly after a temporary uptick in H2 2024 Improved inflation prospects prompted the NBP to lower interest rates by 75
Slide 22: Appendices
1 Key information 2 Business and financial performance 3 Macroeconomic environment 4 Appendices 22
Slide 23: BOŚ conducts its business responsibly
BOŚ conducts its business responsibly Active participant in the green transition Funding green projects Monitoring the green impact of investments Environment Minimising own carbon footprint Pro-environmental and social responsibility initiatives Raising financial and environmental awareness Promoti
Slide 24: Disclaimer
Disclaimer This Presentation has been produced by Bank Ochrony Środowiska S.A. (the “Bank”) solely for information purposes. It does not constitute or form part of any offer to sell or a solicitation of offers to purchase the Bank’s securities, and should not be construed as such. It does not purpor
Slide 25: Thank you!
Thank you! Press Office: biuroprasowe@bosbank.pl Analyst enquiries: relacje.inwestorskie@bosbank.pl
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