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Kredyt handlowy

Semi-Annual Report for H1 2026 

WE PRESENT PERIODICAL STAND-ALONE AND CONSOLIDATED REPORTS PUBLISHED BY THE BANK ALONG WITH THE ARCHIVE.

 

 

Year Period Name Reports - official version Reports - pdf format Presentations Data for download Press release
2026 1Q Consolidated quarterly report icon   icon icon icon

 

 

 

Year Period Name Reports - official version Reports - pdf format Presentations Data for download Press release
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Year Period Name Reports - official version Reports - pdf format Presentations Data for download Press release
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Year Period Name Reports - official version Reports - pdf format Presentations Data for download Press release
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Year Period Name Reports - official version Reports - pdf format Presentations Data for download Press release
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Year Period Name Reports - official version Reports - pdf format Presentations Data for download Press release
2021 annual Consolidated annual report icon (opens in new window) (opens in new window) (opens in new window) icon icon  
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Year Period Name Reports - official version Reports - pdf format Presentations Data for download Press release
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Year Period Name Reports - official version Reports - pdf format Presentations Data for download Press release
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Year Period Name Reports - official version Reports - pdf format Presentations Data for download Press release
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biznes

2025 Annual Report

We invite you to explore the 2025 Annual Report of Bank Handlowy w Warszawie S.A.

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BASIC FINANCIAL DATA OF CAPITAL GROUP OF BANK HANDLOWY W WARSZAWIE S.A.

Profit & Loss Account (PLN MM) 2021 2022 2023 2024 2025
Net interest income 788,1 2 740,9 3 278,7 2 205,8 2 104,8
Net fee and commission income 649,9 579,7 561,5 401,0 430,9
Treasury 922,8 322,3 638,9 623,7 540,4
Revenue 2 354,1 3 647,5 4 508,6 3 257,6 3 087,2
Expenses and amortization/depreciation (1 202,6) (1 337,9) (1 439,5) (791,4) (784,2)
Operating margin 1 151,5 2 309,7 3 069,0 2 466,2 2 303,0
Net impairment losses (38,8) (104,8) (18,0) (18,9) (25,9)
Tax on some financial institutions (161,2) (213,0) (190,3) (120,8) (123,8)
Profit before tax 950,9 1 994,7 2 860,6 2 327,5 2 153,8
Corporate income tax (233,5) (449,0) (604,3) (542,2) (395,7)
Net profit from discontinued operations       (24,8) (91,8)
Net profit 717,5 1 545,7 2 256,3 1 760,5 1 666,3

*In connection with the agreement for the sale of the Retail Business to VeloBank S.A., the Bank reclassified the Retail Business as held for sale in accordance with IFRS 5. As a result, the income statement and statement of financial position under review relate to continuing operations, primarily the Institutional Banking segment. The financial result of the Retail Business is presented as the result from discontinued operations.

Balance sheet (PLN MM) 2021 2022 2023 2024 2025
Total assets 61 862,8 69 801,4 73 392,5 72 478,1 78 849,0
Loans to non-financial customers 17 887,5 17 810,0 15 879,1 16 259,5 17 941,8
Deposits from non-financial customers 39 589,1 45 160,3 49 404,8 49 439,2 54 213,7
Equity 7 383,4 7 960,2 9 729,5 9 868,5 10 042,3

Key financial indicators 2021 2022 2023 2024 2025
ROE 10,1% 24,0% 28,6% 21,1% 19,7%
ROA 1,2% 2,2% 3,1% 2,4% 2,1%
Cost / Income 51% 37% 32% 35% 37%
Loans / Deposits 49% 44% 38% 40% 41%
Capital Adequacy Ratio 20,1% 19,0% 23,6% 22,5% 22,2%
Book value per share 57 61 74 76 77

Share price

Shares of Bank Handlowy w Warszawie S.A. have been listed on the Warsaw Stock Exchange Main Market in the continuous trading system since 30 June 1997. The shares are part of the following WSE indices: WIG,mWIG40 (comprising 40 medium-sized companies listed at WSE Main List), WIG Banks (sector index), and WIGdiv. Additionally, the Bank is included in the WIG-ESG index, which highlights companies recognized for their commitment to socially responsible practices, particularly in environmental, social, economic, and corporate governance areas. In 2019, the WIG-ESG Index replaced the RESPECT Index, which had also included Citi Handlowy throughout its existence.

Shares of Bank Handlowy w Warszawie S.A.:
Ticker (short): BHW
ISIN: PLBH00000012
Reuters: BAHA.WA
Bloomberg: BHW PW

Dividend
Shareholders

Below is presented the qualitative and quantitative information regarding capital adequacy of Bank Handlowy.

The information on the Bank's internal rule of selection an entity authorized to audit financial statements.

The entity authorized to audit financial statements is selected by the Supervisory Board after the consideration of the recommendation presented by Audit Committee.

The change of the entity authorized to audit financial statements is made no less frequently than every ten years.

On 12 March 2025 the Supervisory Board of the Bank accepting the recommendation of the Audit Committee, selected an entity authorized to audit financial statements, i.e. KPMG Audyt Spółka z ograniczoną odpowiedzialnością spółka komandytowa [KPMG Audyt limited liability partnership] with its registered office in Warsaw, operating at the following address: Inflancka 4A, 00-189 Warsaw, entered into the list of entities authorized to audit financial statements under No. 3546, which was entrusted with the audit of annual financial statements as well as mid-year abbreviated financial statements of: (1) Bank Handlowy w Warszawie S.A. and (2) Capital Group of Bank Handlowy w Warszawie S.A. for a period of 2 years, i.e. for 2025-2026.

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