Bank Handlowy w Warszawie Income Statement

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

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	2,734	2,803	2,767	4,297	3,188	772.21
Interest Income on Investments	341.59	315.88	289.74	113.93	156.33	63
Total Interest Income	3,076	3,119	3,056	4,411	3,344	835.21
Interest Paid on Deposits	1,035	1,002	839.04	1,121	591.93	36.19
Net Interest Income	2,041	2,117	2,217	3,290	2,752	799.02
Net Interest Income Growth (YoY)	-8.11%	-4.51%	-32.61%	19.56%	244.42%	-21.16%
Income From Trading Activities	485.05	364.94	564.22	796.75	647.2	514.6
Gain (Loss) on Sale of Assets	-0.72	0.55	0.89	-0.12	2.87	-0.66
Gain (Loss) on Sale of Investments	332.09	184.58	82.17	-112.41	-312.17	467.81
Other Non-Interest Income	434.21	434.57	415.58	552.58	579.04	640.39
Total Non-Interest Income	1,251	984.63	1,063	1,237	916.94	1,622
Non-Interest Income Growth (YoY)	17.92%	-7.36%	-14.06%	34.88%	-43.47%	49.59%
Revenues Before Loan Losses	3,292	3,102	3,280	4,527	3,669	2,421
Provision for Loan Losses	34.88	25.93	18.9	18.01	104.84	38.78
Revenue	3,257	3,076	3,261	4,509	3,564	2,382
Revenue Growth (YoY)	-0.04%	-5.68%	-27.67%	26.51%	49.60%	24.89%
Occupancy Expenses	42.59	42.6	50.87	111.04	103.02	111.83
Selling, General & Administrative	798.09	741.56	740.55	1,329	1,235	1,091
Other Non-Interest Expense	128.29	123.81	120.76	190.26	213.02	161.16
Total Non-Interest Expense	968.96	907.97	912.17	1,630	1,551	1,364
EBT Excluding Unusual Items	2,288	2,168	2,349	2,879	2,013	1,019
Legal Settlements	-14.25	-14.25	-21.61	-18.5	-18.49	-67.71
Pretax Income	2,274	2,154	2,327	2,861	1,995	950.94
Income Tax Expense	483.22	395.67	542.23	604.28	449.01	233.47
Earnings From Continuing Operations	1,790	1,758	1,785	2,256	1,546	717.47
Earnings From Discontinued Operations	-173.47	-91.8	-24.77	-	-	-
Net Income	1,617	1,666	1,760	2,256	1,546	717.47
Net Income to Common	1,617	1,666	1,760	2,256	1,546	717.47
Net Income Growth	-7.15%	-5.35%	-21.98%	45.98%	115.44%	316.18%
Basic Shares Outstanding	130	130	131	131	131	131
Diluted Shares Outstanding	130	130	131	131	131	131
Shares Change (YoY)	-0.27%	-0.24%	-0.06%	-	-	-
EPS (Basic)	12.42	12.79	13.48	17.27	11.83	5.49
EPS (Diluted)	12.42	12.79	13.48	17.27	11.83	5.49
EPS Growth	-6.88%	-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	21.25%	18.37%	23.30%	21.12%	22.51%	24.55%