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1. Company Snapshot

1.a. Company Description

Bank Ochrony Srodowiska S.A. provides various banking products and services in Poland.It operates through Institutional Clients, Retail Clients, Treasury and Investments, and Brokerage Business segments.The company offers mortgage, cash, and mortgage-backed cash loans; current, term, and interbank deposits; deposits from ALM clients; and financial instruments, debt and equity securities, and derivatives.


It also purchases and sells securities for the banking and trading books; maintains securities accounts; manages securities portfolios; and provides brokerage, cash settlement, financial leasing, and financial consulting and advisory services, as well as operates wind farm.The company serves corporate and public finance customers, as well as individuals, micro-enterprises, and housing communities.Bank Ochrony Srodowiska S.A. was incorporated in 1990 and is based in Warsaw, Poland.

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1.b. Last Insights on BOS

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1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (7.53%)

6. Segments

Institutional Client Vertical

Expected Growth: 6.9%

The 6.9% growth in Institutional Client Vertical at Bank Ochrony Srodowiska S.A. is driven by increasing demand for sustainable investment products, expansion of ESG-focused portfolios, and strategic partnerships with environmentally conscious organizations, coupled with the bank's strong brand reputation and expertise in the Polish market.

Retail Customer Pawn

Expected Growth: 4.83%

The 4.83% growth in Retail Customer Pawn from Bank Ochrony Srodowiska S.A. is driven by increasing demand for short-term loans, rising gold prices, and a growing middle class in Poland. Additionally, the bank's expansion into new regions and improved online platforms have increased accessibility, contributing to the segment's growth.

Fiscal and Investment

Expected Growth: 8.9%

Bank Ochrony Srodowiska S.A.'s 8.9% growth is driven by increasing demand for eco-friendly financing, strategic expansion into renewable energy projects, and effective cost management. Additionally, the bank's focus on digitalization and innovative products has improved operational efficiency, contributing to its growth momentum.

Brokerage

Expected Growth: 10.8%

The 10.8% growth in brokerage from Bank Ochrony Srodowiska S.A. is driven by increasing demand for online trading platforms, rising investor confidence, and strategic partnerships with fintech companies. Additionally, the bank's expansion into new markets, improved customer service, and competitive pricing strategies have contributed to the growth.

Other

Expected Growth: 4.83%

Bank Ochrony Srodowiska S.A.'s 4.83% growth is driven by increasing demand for eco-friendly financing, expansion into renewable energy projects, and strategic partnerships with environmentally conscious organizations. Additionally, the bank's focus on digitalization and cost optimization has improved operational efficiency, contributing to its growth.

7. Detailed Products

Corporate Banking

Bank Ochrony Srodowiska S.A. offers a range of corporate banking services, including cash management, trade finance, and lending solutions, tailored to meet the specific needs of corporate clients.

Retail Banking

The bank provides a variety of retail banking services, including personal loans, credit cards, savings accounts, and mortgages, designed to meet the financial needs of individual customers.

Investment Banking

Bank Ochrony Srodowiska S.A. offers investment banking services, including mergers and acquisitions advisory, equity and debt capital markets, and restructuring services, to help clients achieve their strategic objectives.

Private Banking

The bank provides private banking services, including wealth management, investment advice, and estate planning, tailored to meet the unique financial needs of high net worth individuals.

Transaction Banking

Bank Ochrony Srodowiska S.A. offers transaction banking services, including cash management, trade finance, and supply chain finance, to help clients optimize their working capital and improve their financial efficiency.

Sustainable Finance

The bank provides sustainable finance solutions, including green bonds, social bonds, and environmental loans, to support clients' environmentally and socially responsible projects.

8. Bank Ochrony Srodowiska S.A.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Bank Ochrony Srodowiska S.A. is medium due to the presence of alternative financial institutions and digital payment systems.

Bargaining Power Of Customers

The bargaining power of customers is high due to the high level of competition in the banking industry, giving customers the power to choose from a variety of financial institutions.

Bargaining Power Of Suppliers

The bargaining power of suppliers is low due to the bank's strong financial position and ability to negotiate favorable terms with its suppliers.

Threat Of New Entrants

The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory requirements and capital requirements.

Intensity Of Rivalry

The intensity of rivalry is high due to the high level of competition in the banking industry, with many financial institutions competing for market share.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 31.41%
Debt Cost 9.04%
Equity Weight 68.59%
Equity Cost 9.04%
WACC 9.04%
Leverage 45.79%

11. Quality Control: Bank Ochrony Srodowiska S.A. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Ålandsbanken

A-Score: 6.4/10

Value: 3.1

Growth: 6.1

Quality: 4.9

Yield: 5.6

Momentum: 9.0

Volatility: 9.7

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BCJ

A-Score: 6.4/10

Value: 5.9

Growth: 6.3

Quality: 5.1

Yield: 5.0

Momentum: 8.5

Volatility: 7.3

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Walliser

A-Score: 6.3/10

Value: 4.1

Growth: 4.9

Quality: 4.9

Yield: 5.6

Momentum: 8.5

Volatility: 10.0

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OmaSp

A-Score: 4.9/10

Value: 7.0

Growth: 6.9

Quality: 4.8

Yield: 4.4

Momentum: 1.5

Volatility: 4.7

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BOS

A-Score: 4.7/10

Value: 9.3

Growth: 4.3

Quality: 6.2

Yield: 0.0

Momentum: 4.0

Volatility: 4.3

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A-Score: 4.4/10

Value: 9.0

Growth: 2.4

Quality: 3.0

Yield: 1.9

Momentum: 3.0

Volatility: 7.0

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

9.94$

Current Price

9.94$

Potential

-0.00%

Expected Cash-Flows