Bank Handlowy w Warszawie Ratios and Metrics

Market cap in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Oct '25 Oct 14, 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
Market Capitalization	3,204	2,237	2,646	1,872	1,412	901
Market Cap Growth	28.00%	-15.45%	41.30%	32.63%	56.76%	-33.24%
Last Close Price	20.26	14.77	12.97	7.15	5.86	6.27
PE Ratio	10.89	6.58	5.87	6.39	10.75	26.64
PS Ratio	3.50	2.58	2.94	2.77	3.24	2.41
PB Ratio	1.68	1.17	1.36	1.24	1.04	0.61
P/FCF Ratio	2.25	2.21	-	-	3.66	-
P/OCF Ratio	2.23	2.17	-	-	3.61	-
Debt / Equity Ratio	0.63	0.39	0.37	0.61	0.91	0.51
Debt / FCF Ratio	0.85	0.74	-	-	3.18	-
Net Debt / Equity Ratio	-0.82	-1.39	-1.66	-0.31	-1.31	-0.59
Net Debt / FCF Ratio	-1.10	-2.61	4.41	0.20	-4.58	1.60
Return on Equity (ROE)	18.86%	17.97%	25.51%	20.15%	9.59%	2.35%
Return on Assets (ROA)	2.37%	2.43%	3.17%	2.35%	1.17%	0.30%
Earnings Yield	9.18%	15.21%	17.03%	15.65%	9.31%	3.75%
FCF Yield	44.46%	45.34%	-27.65%	-121.89%	27.34%	-60.51%
Dividend Yield	2.73%	13.46%	17.17%	23.86%	17.10%	3.75%
Payout Ratio	-	82.64%	52.12%	46.24%	21.85%	-
Buyback Yield / Dilution	0.12%	0.06%	-	-	-	-
Total Shareholder Return	2.85%	13.52%	17.17%	23.86%	17.10%	3.75%

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