2023 Annual Report
2023 Annual Report of the Capital Group of Bank Handlowy w Warszawie S.A.
Letter from the CEO
I’d like to invite you to reading the 2023 Annual Report of the Bank Handlowy w Warszawie S.A. Capital Group
Creating value for shareholders
record high
net profit
2,255 bn
increase
in revenues
24% YoY
high cost effectiveness,
C/I ratio
32%
capitalization
PLN 13.2 B
+34% YoY
Net profit for distribution (PLN MM)
- Financial Statements
- Auditor’s Opinion
- Report on activities
- Download Report in PDF
- Non-Financial Statements
Financial Statements 2023
- Consolidated income statement
- Consolidated statement of comprehensive income
- Consolidated statement of financial position
- Consolidated statement of changes in equity
- Consolidated cash flow statement
- Additional information including the description of adopted accounting principles and other explanatory information
Auditor’s Opinion
Report on activities
- Poland’s economy in 2023
- Organizational structure of the Capital Group of Bank Handlowy w Warszawie S.A.
- Selected financial data of the Capital Group of Bank Handlowy w Warszawie S.A
- Significant risks related to the activities of the Capital Group of Bank Handlowy w Warszawie S.A.
- The Bank’s community initiatives and cultural sponsorship
- Investor information
- Statements of Bank Handlowy w Warszawie S.A. concerning the application of corporate governance standards in 2023
- Other information about the authorities of Bank Handlowy w Warszawie S.A. and corporate governance rules
- Agreements concluded with the registered audit company
- Statement of the Bank’s Management Board
Sustainability
- implementation of the strategic goal of acquiring PLN 1 billion of "green assets" - nearly PLN 400 MM acquired in 2022-2023,
- credit policy – incorporation of environmental and social factors in credit processes
- reduction of the carbon footprint from own activities, reduction of CO₂ emissions (Scope 1 and 2) by 75% in 2023 vs. 2019 – realization of 100% of the goal defined in the Strategy for 2022-2024
- announcing a new goal to achieve climate neutrality in own operations (scope 1 and 2) by 2030.
- continuation of the Support Ukraine program in order to integrate the Ukrainian community with Polish society, including support for women, entrepreneurs, education and support for children and teenagers
- promoting and supporting employee initiatives - Citi Women Network, Disability Network, Citi Pride Network, charity activities or joint sports activities – Live Well at Citi
- 1st place among listed companies in terms of diversity according to the report "Women in listed companies. Index of the Women Leadership in Business Foundation", the title of "The Best Employer According to Rzeczpospolita", presence in LinkedIn's 2023 Top Company ranking, Top 50 Best Employers ranking of the WPROST weekly, “Cashless for Equality” ranking
- maintaining position of the leader of diversity - 57% of women in the Bank's Management Bodies (Managements Board and Supervisory Board), 49% of women in the managerial team,
- the title of "Super Ethical Company" in the Puls Biznesu study, the title of "Climate Aware Company" in the Corporate Climate Awarenesss Study.
- presence in WIG-ESG index
Responsible business
.svg){kind=icon}
.svg){kind=icon}