Basic financial information
Basic financial information
The table below presents the annual financial data of Capital Group of Bank Handlowy w Warszawie S.A. The quarterly financial and business data is available for download in an Excel file on the 'Financial results' page.
Basic financial data of Capital Group of Bank Handlowy w Warszawie S.A.
| Profit & Loss Account (PLN MM) | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Net interest income | 1,153.7 | 1,001.7 | 788.1 | 2,740.9 | 3,278.7 | 3,217.0 |
| Net fee and commission
income |
564.9 | 560.0 | 649.9 | 579.7 | 561.5 | 571,4 |
| Treasury | 474.0 | 515.4 | 922.8 | 322.2 | 638.9 | 657.4 |
| Revenue | 2,216.8 | 2,068.3 | 2,354.1 | 3,647.5 | 4,508.6 | 4,453.5 |
| Expenses and amortization/depreciation |
(1,214.8) | (1,222.0) | (1,202.6) | (1,337.9) | (1,439.5) | (1,547.4) |
| Operating margin | 1,002.0 | 846.3 | 1,151.5 | 2,309.7 | 3,069.0 | 2,906.1 |
| Net impairment losses | (245.7) | (190.3) | (38.8) | (104.8) | (18.0) | (16.6) |
| Tax on some
financial institutions |
(97.7) | (123.6) | (161.2) | (213.0) | (190.3) | (175.2) |
| Profit before tax | 658.2 | 317.3 | 950.9 | 1,994.7 | 2,860.6 | 2,315.5 |
| Corporate income tax | (178.1) | (144.9) | (233.5) | (449.0) | (604.3) | (555.0) |
| Net profit | 480.1 | 172.4 | 717.5 | 1,545.7 | 2,256.3 | 1,760.5 |
| Balance sheet (PLN MM) | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Total assets | 51,978.5 | 60,941.5 | 61,862.8 | 69,801.4 | 73,392.5 | 72,478.1 |
| Loans to non-financial
customers |
20,581.3 | 18,178.5 | 17,887.5 | 17,810.0 | 15,879.1 | 16,259.5 |
| Deposits from non-financial
customers |
34,962.8 | 38,600.4 | 39,589.1 | 45,160.3 | 49,404.8 | 49,439.2 |
| Equity | 7,074.7 | 7,581.0 | 7,383.4 | 7,960.2 | 9,729.5 | 9,868.5 |
| Key financial indicators | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| ROE | 7.2% | 2.4% | 10.1% | 24.0% | 28.6% | 21.1% |
| ROA | 0.9% | 0.3% | 1.2% | 2.2% | 3.1% | 2.4% |
| Cost / Income | 55.0% | 59.0% | 51% | 37% | 32% | 35% |
| Loans / Deposits | 60.0% | 51.0% | 50% | 44% | 38% | 40% |
| Capital Adequacy Ratio | 17.2% | 22.6% | 20.1% | 19.0% | 23.6% | 21.2% |
| Book value per share | 54.0 | 58.0 | 57.0 | 61.0 | 74.0 | 76.0 |
