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Bank Ochrony Srodowiska
Bank Ochrony Srodowiska (BOS) investor relations material
Bank Ochrony Srodowiska Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary18 Aug, 2026
Executive summary
Net profit for the group in H1 2026 was 15,114 thousand PLN, a significant decrease from 79,721 thousand PLN in H1 2025, mainly due to higher legal risk costs and administrative expenses.
The bank maintained capital adequacy and liquidity ratios above regulatory requirements, ensuring operational stability despite market challenges.
No dividend was paid for H1 2026; 2025 profit was allocated entirely to reserve capital.
Financial highlights
Net interest income for H1 2026 was 350,677 thousand PLN, down from 403,994 thousand PLN year-over-year.
Fee and commission income increased to 105,409 thousand PLN from 90,803 thousand PLN year-over-year.
Total assets rose to 27,312,438 thousand PLN as of June 30, 2026, compared to 25,719,989 thousand PLN at year-end 2025.
Cost of legal risk related to FX mortgage loans was 69,262 thousand PLN in H1 2026, similar to 72,007 thousand PLN in H1 2025.
Administrative expenses increased to 353,466 thousand PLN from 324,713 thousand PLN year-over-year.
Outlook and guidance
The bank continues to implement its recovery plan, with updated approval from the regulator in January 2026.
No significant threats to business continuity are identified for the next 12 months.
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Latest events from Bank Ochrony Srodowiska
- Net profit up 37% year-over-year, driven by green lending, deposit growth, and strong capital ratios.BOS
Q1 2026 - Net profit up 56%, assets up 13%, and green lending up 59% year-over-year.BOSQ4 2025
- Net profit dropped 47.8% year-over-year amid higher costs and legal risks, but capital ratios remain strong.BOSQ3 2024
- Net profit was PLN 50.2 million in H1 2024, with improved capital ratios and rising green loans.BOSQ2 2024
- 2024 net profit reached PLN 79.7 million, with robust capital and liquidity despite legal risks.BOSQ4 2024
- Net profit up 58.7% year-over-year, with strong capital, liquidity, and green lending growth.BOSQ2 2025
- Asset and green loan growth contrasted with a 74% profit drop and lower capital ratios year-over-year.BOSQ1 2025
- Net profit more than doubled year-over-year to PLN 85.7 million, with strong asset and green loan growth.BOSQ3 2025
Next Bank Ochrony Srodowiska earnings date
Q3 202619 Nov, 2026
Bank Ochrony Srodowiska
Next Bank Ochrony Srodowiska earnings date
Q3 202619 Nov, 2026
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