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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	-	4,142	4,297	3,188	772.21
Interest Income on Investments	-	289.82	113.93	156.33	63
Total Interest Income	-	4,431	4,411	3,344	835.21
Interest Paid on Deposits	-	1,203	1,121	591.93	36.19
Net Interest Income	2,118	3,228	3,290	2,752	799.02
Net Interest Income Growth (YoY)	-34.40%	-1.87%	19.56%	244.42%	-21.16%
Income From Trading Activities	365	597.88	796.75	647.2	514.6
Gain (Loss) on Sale of Assets	0.5	0.59	-0.12	2.87	-0.66
Gain (Loss) on Sale of Investments	185	82.17	-112.41	-312.17	467.81
Other Non-Interest Income	421	566.49	552.58	579.04	640.39
Total Non-Interest Income	971.5	1,247	1,237	916.94	1,622
Non-Interest Income Growth (YoY)	-22.10%	0.83%	34.88%	-43.47%	49.59%
Revenues Before Loan Losses	3,090	4,476	4,527	3,669	2,421
Provision for Loan Losses	26	-16.56	18.01	104.84	38.78
Revenue	3,064	4,492	4,509	3,564	2,382
Revenue Growth (YoY)	-31.80%	-0.37%	26.51%	49.60%	24.89%
Occupancy Expenses	43	119.34	111.04	103.02	111.83
Selling, General & Administrative	742	1,428	1,329	1,235	1,091
Other Non-Interest Expense	124.5	175.25	190.26	213.02	161.16
Total Non-Interest Expense	909.5	1,723	1,630	1,551	1,364
EBT Excluding Unusual Items	2,154	2,770	2,879	2,013	1,019
Asset Writedown	-	-432.51	-	-	-
Legal Settlements	-	-21.5	-18.5	-18.49	-67.71
Pretax Income	2,154	2,316	2,861	1,995	950.94
Income Tax Expense	396	555.05	604.28	449.01	233.47
Earnings From Continuing Operations	1,758	1,760	2,256	1,546	717.47
Earnings From Discontinued Operations	-92	-	-	-	-
Net Income	1,666	1,760	2,256	1,546	717.47
Net Income to Common	1,666	1,760	2,256	1,546	717.47
Net Income Growth	-5.37%	-21.98%	45.98%	115.44%	316.18%
Basic Shares Outstanding	131	131	131	131	131
Diluted Shares Outstanding	131	131	131	131	131
Shares Change (YoY)	-0.06%	-0.06%	-	-	-
EPS (Basic)	12.77	13.48	17.27	11.83	5.49
EPS (Diluted)	12.77	13.48	17.27	11.83	5.49
EPS Growth	-5.30%	-21.94%	45.98%	115.48%	316.09%
Dividend Per Share	-	10.290	11.150	9.000	5.470
Dividend Growth	-	-7.71%	23.89%	64.53%	355.83%
Effective Tax Rate	18.38%	23.97%	21.12%	22.51%	24.55%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.