Bank Handlowy w Warszawie S.A. (WSE:BHW)

Bank Handlowy w Warszawie Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	4,150	4,142	4,297	3,188	772.21	1,020
Interest Income on Investments	271.9	289.82	113.93	156.33	63	110.99
Total Interest Income	4,422	4,431	4,411	3,344	835.21	1,131
Interest Paid on Deposits	1,201	1,203	1,121	591.93	36.19	117.21
Net Interest Income	3,220	3,228	3,290	2,752	799.02	1,013
Net Interest Income Growth (YoY)	-0.64%	-1.87%	19.56%	244.42%	-21.16%	-12.99%
Income From Trading Activities	553.03	597.88	796.75	647.2	514.6	311.41
Gain (Loss) on Sale of Assets	-0.19	0.59	-0.12	2.87	-0.66	-0.48
Gain (Loss) on Sale of Investments	128.36	82.17	-112.41	-312.17	467.81	219.24
Other Non-Interest Income	559.67	566.49	552.58	579.04	640.39	554.21
Total Non-Interest Income	1,241	1,247	1,237	916.94	1,622	1,084
Non-Interest Income Growth (YoY)	10.17%	0.83%	34.88%	-43.47%	49.59%	3.08%
Revenues Before Loan Losses	4,461	4,476	4,527	3,669	2,421	2,098
Provision for Loan Losses	-8.55	-16.56	18.01	104.84	38.78	190.27
Revenue	4,470	4,492	4,509	3,564	2,382	1,908
Revenue Growth (YoY)	2.25%	-0.37%	26.51%	49.60%	24.89%	-3.22%
Occupancy Expenses	102.9	119.34	111.04	103.02	111.83	106.65
Selling, General & Administrative	1,450	1,428	1,329	1,235	1,091	1,115
Other Non-Interest Expense	170.33	175.25	190.26	213.02	161.16	123.58
Total Non-Interest Expense	1,723	1,723	1,630	1,551	1,364	1,346
EBT Excluding Unusual Items	2,746	2,770	2,879	2,013	1,019	562.01
Asset Writedown	-432.51	-432.51	-	-	-	-
Legal Settlements	-21.5	-21.5	-18.5	-18.49	-67.71	-30.02
Pretax Income	2,292	2,316	2,861	1,995	950.94	317.28
Income Tax Expense	550.74	555.05	604.28	449.01	233.47	144.88
Net Income	1,741	1,760	2,256	1,546	717.47	172.4
Net Income to Common	1,741	1,760	2,256	1,546	717.47	172.4
Net Income Growth	-17.34%	-21.98%	45.98%	115.44%	316.18%	-64.09%
Basic Shares Outstanding	131	131	131	131	131	131
Diluted Shares Outstanding	131	131	131	131	131	131
Shares Change (YoY)	-0.04%	-0.06%	-	-	-	-
EPS (Basic)	13.34	13.48	17.27	11.83	5.49	1.32
EPS (Diluted)	13.34	13.48	17.27	11.83	5.49	1.32
EPS Growth	-17.31%	-21.94%	45.98%	115.48%	316.09%	-64.05%
Dividend Per Share	-	-	11.150	9.000	5.470	1.200
Dividend Growth	-	-	23.89%	64.53%	355.83%	-
Effective Tax Rate	24.03%	23.97%	21.12%	22.51%	24.55%	45.66%

Updated Mar 12, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.