Bank Handlowy w Warszawie Balance Sheet

Financials in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	8,192	5,794	1,242	671.19	5,491	4,245
Investment Securities	32,141	24,594	34,303	32,913	19,811	25,256
Trading Asset Securities	5,368	3,534	3,626	6,326	10,076	3,756
Total Investments	37,509	28,128	37,929	39,240	29,887	29,012
Gross Loans	18,895	22,160	20,807	22,491	22,228	22,926
Allowance for Loan Losses	-519.4	-545.71	-737.19	-856.18	-888.68	-997.67
Net Loans	18,376	21,615	20,070	21,635	21,339	21,928
Property, Plant & Equipment	448.78	521.13	508.4	455.42	451.67	476.91
Goodwill	-	851.21	1,031	1,031	1,031	1,031
Other Intangible Assets	874.83	12.12	199.45	126.34	185.96	180.71
Accrued Interest Receivable	-	60.72	58.33	52.43	62.45	64.6
Other Receivables	7,256	84.29	60.92	76.97	211.28	146.36
Restricted Cash	-	-	-	-	1,035	243.28
Other Current Assets	6,118	956.64	451.37	713.08	13.9	607.71
Long-Term Deferred Tax Assets	195.24	82.28	115.41	287.37	264.31	174.22
Other Long-Term Assets	554.23	14,373	10,908	5,513	1,889	2,832
Total Assets	79,524	72,478	72,573	69,801	61,863	60,942
Accrued Expenses	-	405.85	421.93	387.67	352.09	314.74
Interest Bearing Deposits	39,418	18,546	17,913	17,351	6,878	9,989
Non-Interest Bearing Deposits	-	37,970	38,709	37,895	39,509	38,524
Total Deposits	39,418	56,517	56,622	55,246	46,387	48,513
Short-Term Borrowings	2,536	2,672	3,482	4,730	6,576	3,711
Current Income Taxes Payable	79.19	99.6	457.87	245.94	5.97	3.67
Other Current Liabilities	22,862	357.68	358.5	697.87	577.66	176.08
Long-Term Debt	3,346	1,075	1.93	0.46	0.07	0.16
Long-Term Leases	-	121.17	113.1	121.82	125.68	138.38
Long-Term Unearned Revenue	-	38.32	16.81	13.11	15.25	17.65
Long-Term Deferred Tax Liabilities	0.02	0.01	0.09	0.17	-	-
Other Long-Term Liabilities	1,937	1,324	1,370	398.24	439.32	486.05
Total Liabilities	70,178	62,610	62,844	61,841	54,479	53,361
Common Stock	522.64	522.64	522.64	522.64	522.64	522.64
Additional Paid-In Capital	3,001	3,001	3,001	3,001	3,002	3,002
Retained Earnings	1,059	2,931	3,427	2,717	1,897	1,353
Treasury Stock	-27.31	-20.58	-	-	-	-
Comprehensive Income & Other	4,791	3,434	2,779	1,720	1,962	2,703
Shareholders' Equity	9,346	9,869	9,729	7,960	7,383	7,581
Total Liabilities & Equity	79,524	72,478	72,573	69,801	61,863	60,942
Total Debt	5,881	3,868	3,597	4,852	6,702	3,850
Net Cash (Debt)	7,679	13,683	16,167	2,447	9,652	4,456
Net Cash Growth	484.66%	-15.37%	560.78%	-74.65%	116.60%	-32.84%
Net Cash Per Share	58.84	104.78	123.74	18.73	73.87	34.10
Filing Date Shares Outstanding	130.51	130.44	130.66	130.66	130.66	130.66
Total Common Shares Outstanding	130.51	130.44	130.66	130.66	130.66	130.66
Book Value Per Share	71.61	75.66	74.46	60.92	56.51	58.02
Tangible Book Value	8,471	9,005	8,499	6,803	6,166	6,369
Tangible Book Value Per Share	64.91	69.04	65.05	52.06	47.19	48.74

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.