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	2,803	2,767	4,297	3,188	772.21
Interest Income on Investments	315.88	289.74	113.93	156.33	63
Total Interest Income	3,119	3,056	4,411	3,344	835.21
Interest Paid on Deposits	1,002	839.04	1,121	591.93	36.19
Net Interest Income	2,117	2,217	3,290	2,752	799.02
Net Interest Income Growth (YoY)	-4.51%	-32.61%	19.56%	244.42%	-21.16%
Income From Trading Activities	364.94	564.22	796.75	647.2	514.6
Gain (Loss) on Sale of Assets	0.55	0.89	-0.12	2.87	-0.66
Gain (Loss) on Sale of Investments	184.58	82.17	-112.41	-312.17	467.81
Other Non-Interest Income	434.57	415.58	552.58	579.04	640.39
Total Non-Interest Income	984.63	1,063	1,237	916.94	1,622
Non-Interest Income Growth (YoY)	-7.36%	-14.06%	34.88%	-43.47%	49.59%
Revenues Before Loan Losses	3,102	3,280	4,527	3,669	2,421
Provision for Loan Losses	25.93	18.9	18.01	104.84	38.78
Revenue	3,076	3,261	4,509	3,564	2,382
Revenue Growth (YoY)	-5.68%	-27.67%	26.51%	49.60%	24.89%
Occupancy Expenses	42.6	50.87	111.04	103.02	111.83
Selling, General & Administrative	741.56	740.55	1,329	1,235	1,091
Other Non-Interest Expense	123.81	120.76	190.26	213.02	161.16
Total Non-Interest Expense	907.97	912.17	1,630	1,551	1,364
EBT Excluding Unusual Items	2,168	2,349	2,879	2,013	1,019
Legal Settlements	-14.25	-21.61	-18.5	-18.49	-67.71
Pretax Income	2,154	2,327	2,861	1,995	950.94
Income Tax Expense	395.67	542.23	604.28	449.01	233.47
Earnings From Continuing Operations	1,758	1,785	2,256	1,546	717.47
Earnings From Discontinued Operations	-91.8	-24.77	-	-	-
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	-5.35%	-21.98%	45.98%	115.44%	316.18%
Basic Shares Outstanding	130	131	131	131	131
Diluted Shares Outstanding	130	131	131	131	131
Shares Change (YoY)	-0.24%	-0.06%	-	-	-
EPS (Basic)	12.79	13.48	17.27	11.83	5.49
EPS (Diluted)	12.79	13.48	17.27	11.83	5.49
EPS Growth	-5.12%	-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	18.37%	23.30%	21.12%	22.51%	24.55%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.