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) | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Net interest income | 1,107.6 | 1,153.7 | 1,001.7 | 788.1 | 2,740.9 | 3,278.7 |
| Net fee and commission
income |
549.9 | 564.9 | 560.0 | 649.9 | 579.7 | 561.5 |
| Treasury | 480.5 | 474.0 | 515.4 | 922.8 | 322.2 | 638.9 |
| Revenue | 2,160.0 | 2,216.8 | 2,068.3 | 2,354.1 | 3,647.5 | 4,508.6 |
| Expenses and amortization/depreciation |
(1,179.6) | (1,214.8) | (1,222.0) | (1,202.6) | (1,337.9) | (1,439.5) |
| Operating margin | 980.4 | 1,002.0 | 846.3 | 1,151.5 | 2,309.7 | 3,069.0 |
| Net impairment losses | (63.5) | (245.7) | (190.3) | (38.8) | (104.8) | (18.0) |
| Tax on some
financial institutions |
(87.4) | (97.7) | (123.6) | (161.2) | (213.0) | (190.3) |
| Profit before tax | 828.7 | 658.2 | 317.3 | 950.9 | 1,994.7 | 2,860.6 |
| Corporate income tax | (189.8) | (178.1) | (144.9) | (233.5) | (449.0) | (604.3) |
| Net profit | 638.9 | 480.1 | 172.4 | 717.5 | 1,545.7 | 2,256.3 |
| Balance sheet (PLN MM) | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Total assets | 49,304.7 | 51,978.5 | 60,941.5 | 61,862.8 | 69,801.4 | 73,392.5 |
| Loans to non-financial
customers |
19,802.2 | 20,581.3 | 18,178.5 | 17,887.5 | 17,810.0 | 15,879.1 |
| Deposits from non-financial
customers |
31,057.4 | 34,962.8 | 38,600.4 | 39,589.1 | 45,160.3 | 49,404.8 |
| Equity | 7,056.8 | 7,074.7 | 7,581.0 | 7,383.4 | 7,960.2 | 9,729.5 |
| Key financial indicators | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| ROE | 10.0% | 7.2% | 2.4% | 10.1% | 24.0% | 28.6% |
| ROA | 1.4% | 0.9% | 0.3% | 1.2% | 2.2% | 3.1% |
| Cost / Income | 54.6% | 55.0% | 59.0% | 51% | 37% | 32% |
| Loans / Deposits | 63.8% | 60.0% | 51.0% | 50% | 44% | 38% |
| Capital Adequacy Ratio | 16.8% | 17.2% | 22.6% | 20.1% | 19.0% | 23.6% |
| Book value per share | 54.0 | 54.0 | 58.0 | 57.0 | 61.0 | 74.0 |