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 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
Interest Income on Loans	2,722	2,803	2,767	4,297	3,188	772.21
Interest Income on Investments	297.53	315.88	289.74	113.93	156.33	63
Total Interest Income	3,019	3,119	3,056	4,411	3,344	835.21
Interest Paid on Deposits	1,046	1,002	839.04	1,121	591.93	36.19
Net Interest Income	1,973	2,117	2,217	3,290	2,752	799.02
Net Interest Income Growth	-10.06%	-4.51%	-32.61%	19.56%	244.42%	-21.16%
Income From Trading Activities	473.61	364.94	564.22	796.75	647.2	514.6
Gain (Loss) on Sale of Assets	29.89	0.55	0.89	-0.12	2.87	-0.66
Gain (Loss) on Sale of Investments	255.18	184.58	82.17	-112.41	-312.17	467.81
Other Non-Interest Income	433.38	434.57	415.58	552.58	579.04	640.39
Total Non-Interest Income	1,192	984.63	1,063	1,237	916.94	1,622
Non-Interest Income Growth	5.64%	-7.36%	-14.06%	34.88%	-43.47%	49.59%
Revenues Before Loan Losses	3,165	3,102	3,280	4,527	3,669	2,421
Provision for Loan Losses	93.18	25.93	18.9	18.01	104.84	38.78
Revenue	3,072	3,076	3,261	4,509	3,564	2,382
Revenue Growth	-7.15%	-5.68%	-27.67%	26.51%	49.60%	24.89%
Occupancy Expenses	42.69	42.6	50.87	111.04	103.02	111.83
Selling, General & Administrative	838.71	741.56	740.55	1,329	1,235	1,091
Other Non-Interest Expense	135.97	123.81	120.76	190.26	213.02	161.16
Total Non-Interest Expense	1,017	907.97	912.17	1,630	1,551	1,364
EBT Excluding Unusual Items	2,055	2,168	2,349	2,879	2,013	1,019
Legal Settlements	6.13	-14.25	-21.61	-18.5	-18.49	-67.71
Pretax Income	2,061	2,154	2,327	2,861	1,995	950.94
Income Tax Expense	508.77	395.67	542.23	604.28	449.01	233.47
Earnings From Continuing Operations	1,552	1,758	1,785	2,256	1,546	717.47
Earnings From Discontinued Operations	220.29	-91.8	-24.77	-	-	-
Net Income	1,772	1,666	1,760	2,256	1,546	717.47
Net Income to Common	1,772	1,666	1,760	2,256	1,546	717.47
Net Income Growth	17.14%	-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	-0.37%	-0.24%	-0.06%	-	-	-
EPS (Basic)	13.63	12.79	13.48	17.27	11.83	5.49
EPS (Diluted)	13.63	12.79	13.48	17.27	11.83	5.49
EPS Growth	17.61%	-5.12%	-21.94%	45.98%	115.48%	316.09%

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
Dividend Per Share	9.800	13.240	10.290	11.150	9.000	5.470
Dividend Growth	-28.62%	28.67%	-7.71%	23.89%	64.53%	355.83%
Effective Tax Rate	24.69%	18.37%	23.30%	21.12%	22.51%	24.55%

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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