Letter of the President
I’d like to invite you to reading the 2016 Annual Report of the Bank Handlowy w Warszawie S.A. Capital Group
Sławomir S. Sikora
President of the Management Board
Bank Handlowy w Warszawie S.A.
Dividend
Dividend – consistent build-up of shareholders value due to strong capital position Tier 1 ratio = 17.4%

Volumes
Volumes – dynamic growth of credit volumes, growth of the institutional clients credit portfolio by +9% YoY and retail customers by +4% YoY
Smart Banking Ecosystem
Smart Banking Ecosystem – continued development of Smart Banking Ecosystem, which is based on light distribution network and maximum utilization of the remote channels for the customer service and acquisition.
Awards

Respect Index
Citi Handlowy is one of the few listed companies recognized in this way since the index's inception in 2009.

Top Employer
Citi Handlowy and Citi Service Center awarded for their high HR policy standards for the sixth consecutive year.

Euromoney
The Cash Management Survey is a prestigious ranking conducted by the British financial magazine Euromoney.

'Forbes' Five stars
Citi Handlowy once again received the highest score for its private banking offer in a prestigious rating prepared by “Forbes”.