Annual Report 2024
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2024 Annual Report

2024 Annual Report of the Capital Group of Bank Handlowy w Warszawie S.A.

Kredyt handlowy

cco

Letter from the CEO

I’d like to invite you to read the 2024 Annual Report of the Bank Handlowy w Warszawie S.A. Capital Group.

STRONG OPERATING RESULTS OF THE BANK

net
profit (PLN)

1,8 bn

increase in loan
volumes

6% YoY

high cost effectiveness,
C/I ratio

35%

TLAC TREA
ratio

24,4%

Loan volumes (PLN MM)

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Sustainability

  • achieving the strategic goal of acquiring PLN 1 billion of "green assets" - nearly PLN 1.3 billion acquired in 2022-2024
  • credit policy – incorporation of environmental and social factors in credit processes
  • achieving 100% of the goal for 2022-2024 in terms of reducing the carbon footprint from own activities and reducing energy consumption
  • taking further steps to achieve climate neutrality in own activities (scope 1 and 2) by 2030 - modernization of the bank's headquarters at Senatorska Street
  • social involvement - Citi volunteers in Poland reached out to over 20,000 people in need - social welfare homes, orphanages and refugees
  • promoting and supporting employee initiatives - Citi Women Network, Disability Network, Citi Pride Network, charity activities or joint sports activities – Live Well at Citi
  • diversity supporting - maximum result in the ranking of institutions with professional and social equality of LGBT+ people organized by Cashless.pl
  • maintaining position of the leader of diversity - women represents 43% of the Bank's Management Board and 37% of the Supervisory Board, which is confirmed by the distinction "ESG Eagles" of the Rzeczpospolita daily
  • the title of "Ethical Company" in the Puls Biznesu study.

2024 Sustainability Statement

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