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

Bank Handlowy w Warszawie Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	1,772	1,666	1,760	2,256	1,546	717.47
Depreciation & Amortization	33.66	38.24	47.34	45.83	42.73	43.64
Other Amortization	4.36	4.36	3.53	65.2	60.29	68.19
Gain (Loss) on Sale of Assets	436.96	467.06	-0.59	0.12	-2.87	0.66
Gain (Loss) on Sale of Investments	24	17.89	-46.39	-37.54	-6.46	-55.27
Total Asset Writedown	-561.72	-	432.51	-	-	-
Provision for Credit Losses	70.47	-	-	29.92	89.51	54.79
Change in Trading Asset Securities	-670.38	859.17	-93.57	10,696	-13,703	-144.48
Change in Other Net Operating Assets	-295.09	-2,908	4,450	-15,704	-237.76	1,109
Other Operating Activities	-539.75	-1,237	-1,298	-893.77	231.3	338.62
Net Cash from Discontinued Operations	5.48	5.48	68.47	-	-	-
Operating Cash Flow	280.21	-1,087	5,324	-3,542	-11,981	2,133
Operating Cash Flow Growth	-62.97%	-	-	-	-	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-31.02	-43.81	-76.26	-121.13	-59.11	-25.57
Sale of Property, Plant and Equipment	118.34	30.89	17.23	0.53	16.83	4.36
Investment in Securities	-	-	-	-	2.06	34.37
Purchase / Sale of Intangibles	-14.03	-20.96	-95.36	-88.45	-83.68	-60.21
Other Investing Activities	-12,154	12.56	11.57	11.42	10.74	10.64
Investing Cash Flow	-12,081	-21.32	-142.82	-197.63	-113.16	-36.42

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	-	1,067	-	-	-
Long-Term Debt Repaid	-	-51.42	-12.85	-11.86	-11.58	-11.66
Net Debt Issued (Repaid)	1,222	-51.42	1,054	-11.86	-11.58	-11.66
Repurchase of Common Stock	-16.67	-16.67	-33.33	-	-	-
Common Dividends Paid	-3,070	-1,791	-1,455	-1,176	-714.71	-156.79
Net Increase (Decrease) in Deposit Accounts	5,291	6,604	-196.18	4,967	6,943	114.96
Financing Cash Flow	3,426	4,744	-630.55	3,779	6,217	-53.5

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Foreign Exchange Rate Adjustments	3.31	-8.95	1.41	530.98	-18.71	3.98
Net Cash Flow	-8,372	3,628	4,552	570.54	-5,896	2,047

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	249.19	-1,130	5,248	-3,663	-12,040	2,107
Free Cash Flow Growth	-64.31%	-	-	-	-	-
Free Cash Flow Margin	8.11%	-36.75%	160.93%	-81.24%	-337.81%	88.45%
Free Cash Flow Per Share	1.92	-8.68	40.19	-28.04	-92.14	16.13

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	1,382	1,356	1,210	1,109	504.18	36.76
Cash Income Tax Paid	630.37	644.61	834.8	381.35	111.71	145.34

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 2, 2026

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