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Bank Handlowy

Banking > Poland > Bank Handlowy
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Bank Handlowy

Bank Handlowy is a Poland-based commercial bank. It offers its products and services under Citibank Handlowy brand such as checking, or savings accounts, loans, insurance, and credit cards specifically targeted to individuals, small companies, and large companies. At the end of 2012, the bank operated 88 branches and 115 own ATMs across Poland with concentrations in Warsaw and Kraków. The bank was created by the 2001 merger of Bank

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Bank Handlowy is a Poland-based commercial bank. It offers its products and services under Citibank Handlowy brand such as checking, or savings accounts, loans, insurance, and credit cards specifically targeted to individuals, small companies, and large companies. At the end of 2012, the bank operated 88 branches and 115 own ATMs across Poland with concentrations in Warsaw and Kraków. The bank was created by the 2001 merger of Bank Handlowy w Warszawie, Poland's oldest bank founded in 1870, and Citibank (Poland). The Bank's parent entity is Citibank Overseas Investment Corporation (COIC) holding 75% in the bank

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AnnualQuarterly
summary Unit
1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

... ... ... ... ... ...                 1,434 1,488 1,242 1,164 977    
... ... ... ... ... ...                 2,427 2,727 2,547 2,424 2,104    
... ... ... ... ... ...                 995 1,297 1,177 1,154 774    
                            736 970 973 947 626    

balance sheet

... ... ... ... ... ...                 548 1,462 3,540 2,066 757    
... ... ... ... ... ...                 14,720 16,221 15,231 16,771 18,976    
... ... ... ... ... ...                 23,430 21,842 23,404 27,175 25,414    
                            42,278 43,509 45,398 49,844 49,507    
                            6,444 7,391 7,307 7,527 6,851    
... ... ... ... ... ...                 6,011 2,356 6,378 5,123 6,964    
... ... ... ... ... ...                 24,096 26,852 26,569 29,633 31,586    
... ... ... ... ... ...                 4,866 5,846 4,222 6,771 3,360    

ratios

                            11.4% 14.0% 13.2% 12.8% 8.71%    
                            1.85% 2.26% 2.19% 1.99% 1.26%    
... ... ... ... ... ...                 3.59% 3.33% 3.08% 2.67% 2.68%    
... ... ... ... ... ...                 59.0% 52.4% 53.8% 52.4% 63.2%    
... ... ... ... ...                   16.4% 18.1% 16.7% 17.5% 17.1%    
... ... ... ... ... ...                 3.60% 3.47% 2.79% 2.44% 1.97%    
... ... ... ... ... ...                 59.1% 54.6% 48.8% 48.0% 46.4%    
... ... ... ... ... ...                 26.5% 22.0% 25.2% 25.5% 30.0%    
... ... ... ... ... ...                 47.6% 50.4% 50.4% 45.7% 42.5%    
                            15.2% 17.0% 16.1% 15.1% 13.8%    
... ... ... ... ... ...                 61.1% 60.4% 57.3% 56.6% 60.1%    
... ... ... ... ... ...                 34.8% 37.3% 33.6% 33.6% 38.3%    
... ... ... ... ... ...                 10.6% 8.59% 7.58% 5.77% 3.20%    
... ... ... ... ... ...                 77.8% 80.3% 80.0% 89.3% 93.6%    

valuation

... ...                         2,577 4,151 4,552 4,189 2,654    
... ...                         131 131 131 131 131    
... ...                         67.9 98.3 105 114 71.9    
... ...                         5.64 7.42 7.44 7.25 4.79    
... ...                         49.3 56.6 55.9 57.6 52.4    
... ...                         2.76 5.79 7.15 7.43 4.68   ...
... ...                         12.0 13.2 14.1 15.7 15.0    
... ...                         1.38 1.74 1.88 1.97 1.37    
... ...                         4.06% 5.89% 6.81% 6.55% 6.51%   ...
... ... ...                       -2.44% 31.7% 0.266% -2.61% -33.9%    
... ... ...                       -0.746% 14.7% -1.14% 3.01% -8.99%    

Download Data
income statement Unit
1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income PLN mil
Interest Cost PLN mil
Net Interest Income PLN mil
Net Fee Income PLN mil
Other Income PLN mil
Total Revenues PLN mil
Staff Cost PLN mil
Depreciation PLN mil
Other Cost PLN mil
Operating Cost PLN mil
Operating Profit PLN mil
Provisions PLN mil
Extra and Other Cost PLN mil
Pre-Tax Profit PLN mil
Tax PLN mil
Minorities PLN mil
Net Profit PLN mil
Dividends PLN mil
... ... ... ... ... ...                 1,927 2,076 1,646 1,489 1,232    
... ... ... ... ... ...                 493 588 404 325 256    
... ... ... ... ... ...                 1,434 1,488 1,242 1,164 977    
... ... ... ... ... ...                 643 599 642 619 631    
... ... ... ... ... ...                 349 640 662 641 496    
... ... ... ... ... ...                 2,427 2,727 2,547 2,424 2,104    
... ... ... ... ... ...                 681 720 690 580 566    
... ... ... ... ... ...                 60.0 64.7 62.6 71.4 70.4    
... ... ... ... ... ...                 691 645 617 618 694    
... ... ... ... ... ...                 1,432 1,430 1,370 1,269 1,331    
... ... ... ... ... ...                 995 1,297 1,177 1,154 774    
... ... ... ... ... ...                 76.8 58.1 -36.2 -17.8 -17.2    
... ... ... ... ... ...                 -3.75 -0.624 -4.91 4.53 -0.061    
                            921 1,240 1,218 1,168 791    
... ... ... ... ... ...                 185 269 245 220 164    
... ... ... ... ... ...                 0.000 0.000 0.000 0.000 0.000    
                            736 970 973 947 626    
... ...                         361 757 935 971 611   ...

growth rates

... ... ... ... ... ... ...               -4.21% 3.76% -16.5% -6.30% -16.1%    
... ... ... ... ... ... ...               -1.80% -6.89% 7.25% -3.64% 2.01%    
... ... ... ... ... ... ...               -5.17% 12.4% -6.60% -4.82% -13.2%    
... ... ... ... ... ... ...               4.11% -0.167% -4.20% -7.32% 4.83%    
... ... ... ... ... ... ...               -16.0% 30.4% -9.25% -1.92% -33.0%    
...                           -2.24% 34.5% -1.73% -4.14% -32.3%    
...                           -2.44% 31.7% 0.266% -2.61% -33.9%    

market share

... ... ... ... ... ...                 4.23% 4.64% 4.59% 4.20% 3.76%    
                            4.74% 6.27% 6.41% 5.97% 5.60%    
... ... ... ... ... ...                 3.12% 2.89% 2.60% 2.47% 2.37%    
... ... ... ... ... ... ... ... ... ... ... ... ...   6.59% 5.81% 5.26% 4.75% 4.69%    
... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.91% 1.57% 1.22% 1.03% 0.950%    
... ... ... ... ...                   23.2% 23.5% 23.9% 23.1% 22.9%    
... ... ... ... ... ... ...               1.06% 0.572% 0.426% 0.293% 0.311%    

Download Data
balance sheet Unit
1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

... ... ... ... ... ...                 980 1,357 778 1,523 2,170    
... ... ... ... ... ...                 548 1,462 3,540 2,066 757    
... ... ... ... ... ...                 14,720 16,221 15,231 16,771 18,976    
... ... ... ... ... ...                 5,862 5,921 5,283 5,885 6,173    
... ... ... ... ... ... ... ... ... ...         584 926 1,068 1,236 1,300    
... ... ... ... ... ...                 5,279 4,995 4,215 4,648 4,872    
... ... ... ... ... ...                 10,641 12,893 9,233 9,864 10,769    
... ... ... ... ... ...                 23,430 21,842 23,404 27,175 25,414    
... ... ... ... ... ...                 1,750 1,790 1,802 1,755 1,726    
                            42,278 43,509 45,398 49,844 49,507    
                            6,444 7,391 7,307 7,527 6,851    
... ... ... ... ... ...                 0.000 0.000 0.000 0.000 0.000 ... ...
                            35,834 36,117 38,091 42,317 42,656    
... ... ... ... ... ...                 6,011 2,356 6,378 5,123 6,964    
... ... ... ... ... ...                 24,096 26,852 26,569 29,633 31,586    
... ... ... ... ... ...                 5,982 5,887 6,907 7,662 8,742    
... ... ... ... ... ...                 12,318 12,101 15,918 18,723 16,427    
... ... ... ... ... ... ... ... ... ... ... ...     13,229 14,284 17,304 19,537 20,195    
... ... ... ... ... ... ... ... ... ... ... ...     10,673 9,345 8,781 9,963 7,700    
... ... ... ... ... ...                 4,866 5,846 4,222 6,771 3,360    
... ... ... ... ... ...                 861 1,062 922 791 746    

asset quality

... ... ... ... ... ...                 1,589 1,408 1,229 1,095 626    
... ... ... ... ... ...                 14,927 16,400 16,215 18,967 19,561    
... ... ... ... ... ...                 1,236 1,131 984 978 585    

growth rates

... ... ... ... ... ... ...               27.0% 10.2% -6.10% 10.1% 13.1%    
... ... ... ... ... ... ...               -4.20% 1.00% -10.8% 11.4% 4.89%    
... ... ... ... ... ... ... ... ... ... ...       15.2% 58.6% 15.4% 15.7% 5.15%    
... ... ... ... ... ... ...               -5.95% -5.37% -15.6% 10.3% 4.82%    
... ... ... ... ... ... ...               59.0% 21.2% -28.4% 6.84% 9.17%    
...                           12.7% 2.91% 4.34% 9.79% -0.676%    
...                           -0.746% 14.7% -1.14% 3.01% -8.99%    
... ... ... ... ... ... ...               18.0% 11.4% -1.06% 11.5% 6.59%    
... ... ... ... ... ... ...               4.63% -1.60% 17.3% 10.9% 14.1%    
... ... ... ... ... ... ...               2.26% -1.76% 31.5% 17.6% -12.3%    

market share

... ... ... ... ... ...                 1.60% 1.73% 1.57% 1.61% 1.72%    
... ... ... ... ... ...                 4.02% 4.74% 3.32% 3.28% 3.29%    
... ... ... ... ... ...                 2.46% 2.36% 1.93% 2.00% 1.97%    
... ... ... ... ... ...                 1.10% 1.11% 0.953% 0.999% 0.982%    
... ... ... ... ... ... ... ... ... ...         0.183% 0.288% 0.318% 0.347% 0.341%    
                            3.27% 3.22% 3.23% 3.25% 3.09%    
... ... ... ... ... ...                 2.67% 2.89% 2.72% 2.83% 2.83%    
... ... ... ... ... ...                 1.25% 1.14% 1.26% 1.26% 1.31%    
... ... ... ... ... ...                 5.98% 6.33% 7.59% 8.16% 6.48%    

Download Data
ratios Unit
1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

                            11.4% 14.0% 13.2% 12.8% 8.71%    
                            1.85% 2.26% 2.19% 1.99% 1.26%    
... ... ... ... ... ...                 3.59% 3.33% 3.08% 2.67% 2.68%    
... ... ... ... ... ...                 59.0% 52.4% 53.8% 52.4% 63.2%    
... ... ... ... ...                   16.4% 18.1% 16.7% 17.5% 17.1%    
... ... ... ... ... ...                 3.60% 3.47% 2.79% 2.44% 1.97%    
... ... ... ... ... ...                 3.36% 3.21% 2.61% 2.32% 1.88%    
... ... ... ... ... ...                 4.83% 4.84% 3.70% 3.13% 2.48%    
... ... ... ... ... ...                 1.47% 1.63% 1.09% 0.809% 0.602%    
... ...                         49.0% 78.0% 96.1% 102% 97.6%   ...
... ... ... ... ... ...                 59.1% 54.6% 48.8% 48.0% 46.4%    
... ... ... ... ... ...                 26.5% 22.0% 25.2% 25.5% 30.0%    
... ... ... ... ... ...                 14.4% 23.5% 26.0% 26.4% 23.6%    
... ... ... ... ... ...                 3,296 3,504 3,898 3,387 3,470    
... ... ... ... ... ...                 9,772 11,401 12,319 11,098 11,372    
... ... ... ... ... ...                 47.6% 50.4% 50.4% 45.7% 42.5%    
                            15.2% 17.0% 16.1% 15.1% 13.8%    
... ... ... ... ... ...                 61.1% 60.4% 57.3% 56.6% 60.1%    
... ... ... ... ... ...                 34.8% 37.3% 33.6% 33.6% 38.3%    
... ... ... ... ... ...                 10.6% 8.59% 7.58% 5.77% 3.20%    
... ... ... ... ... ...                 77.8% 80.3% 80.0% 89.3% 93.6%    
... ... ... ... ... ...                 8.40% 6.97% 6.46% 5.83% 3.09%    
... ... ... ... ... ...                 0.584% 0.376% -0.230% -0.111% -0.096%    

Download Data
other data Unit
1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ... ... ... ... ...               147 88.0 65.0 44.0 45.0    
... ... ... ... ... ...                 5,807 5,263 4,665 4,355 4,146    
... ... ... ... ... ... ... ... ... ... ... ...     135 115 93.0 71.0 76.0 ... ...
... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.63 1.44 1.30 1.20 1.32    
... ... ... ... ... ... ... ... ... ... ... ... ...   2,084 1,934 1,809 1,700 1,606    
... ... ... ... ... ... ... ... ... ... ... ... ... ... 472 418 345 306 277    
... ... ... ... ...                   1,611 1,516 1,465 1,394 1,329    
... ... ... ... ... ... ... ... ... ... ... ...     54.9% 53.2% 65.1% 65.9% 63.9%    

Download Data
Comparison of 18 Banks in Poland

This Annual Statistical Dossier offers a comparison of 18 Polish banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 18 Polish banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Bank Handlowy in Numbers

September 22, 2018
Bank Handlowy in Numbers

This Annual statistical dossier offers a summary of Bank Handlowy's performance between 1997 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

Read more »

This Annual statistical dossier offers a summary of Bank Handlowy's performance between 1997 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track BH's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Bank Handlowy at a Glance

November 22, 2013
Bank Handlowy at a Glance

Bank Handlowy is a Poland-based commercial bank. It offers its products and services under Citibank Handlowy brand such as checking, or savings accounts, loans, insurance, and credit cards specifically targeted to individuals, small companies, and large companies. At the end of 2012, the bank operated 88 branches and 115 own ATMs across Poland with concentrations

Read more »

Bank Handlowy is a Poland-based commercial bank. It offers its products and services under Citibank Handlowy brand such as checking, or savings accounts, loans, insurance, and credit cards specifically targeted to individuals, small companies, and large companies. At the end of 2012, the bank operated 88 branches and 115 own ATMs across Poland with concentrations in Warsaw and Kraków. The bank was created by the 2001 merger of Bank Handlowy w Warszawie, Poland's oldest bank founded in 1870, and Citibank (Poland). The Bank's parent entity is Citibank Overseas Investment Corporation (COIC) holding 75% in the bank..

This report offers a summary of the company's performance in 2001-2012. You will find here all the key numbers from the bank's balance sheet, income statement and all the main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector in Poland

Bank Handlowy in Numbers

November 13, 2013
Bank Handlowy in Numbers

Bank Handlowy is a Poland-based commercial bank. It offers its products and services under Citibank Handlowy brand such as checking, or savings accounts, loans, insurance, and credit cards specifically targeted to individuals, small companies, and large companies. At the end of 2012, the bank operated 88 branches and 115 own ATMs across Poland with concentrations

Read more »

Bank Handlowy is a Poland-based commercial bank. It offers its products and services under Citibank Handlowy brand such as checking, or savings accounts, loans, insurance, and credit cards specifically targeted to individuals, small companies, and large companies. At the end of 2012, the bank operated 88 branches and 115 own ATMs across Poland with concentrations in Warsaw and Kraków. The bank was created by the 2001 merger of Bank Handlowy w Warszawie, Poland's oldest bank founded in 1870, and Citibank (Poland). The Bank's parent entity is Citibank Overseas Investment Corporation (COIC) holding 75% in the bank.

This excel file offers a summary of the company's performance on the annual basis in between 2003-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the file provides a detailed overview of the bank's market position in the comparison with the overall banking sector

Based on a comparison of 17 banks in Poland, PKO BP produced the highest net profit in 2016, followed by Pekao SA and Bank Zachodni WBK.

PKO BP made a net profit of PLN 2,874 mil, up 10.1% when compared to the last year.

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Based on a comparison of 17 banks in Poland, PKO BP produced the highest net profit in 2016, followed by Pekao SA and Bank Zachodni WBK.

PKO BP made a net profit of PLN 2,874 mil, up 10.1% when compared to the last year. Historically, the bank’s net profit reached an all time high of PLN 3,807 mil in 2011 and an all time low of PLN 887 mil in 2001. The average profit in the last five years amounted to PLN 3,139 mil.

The bank generated its shareholders an average return on equity of 11.9% in the last five years with maximum at 15.8% and minimum at 9.02%.

When compared to the nearest peers, Pekao SA generated a net profit of PLN 2,279 mil with ROE of 9.84% in 2016, Bank Zachodni WBK netted PLN 2,167 mil (ROE of 10.4%) and ING Bank Slaski announced a net profit of PLN 1,253 mil implying ROE of 11.8%.

Net profit of the Poland’s banking sector amounted to PLN 73,525 mil in 2016, up 10.8% when compared to the last year. As a result, the top ranked company - PKO BP accounted for 3.91% of the sector’s net profit in 2016. The top 3 companies held a 9.96% share while the five largest firms some 13.3% in 2016.

You can see all the banks net profit data at Net Profitindicator page or you can download a report on the Polish banks in the report section.

Based on a comparison of 14 banks in Poland in 2017, PKO BP had the most branches, followed by Alior Bank and Pekao SA.

PKO BP operated a network of 1,192 branches at the end of 2017. That's compared to 1,233

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Based on a comparison of 14 banks in Poland in 2017, PKO BP had the most branches, followed by Alior Bank and Pekao SA.

PKO BP operated a network of 1,192 branches at the end of 2017. That's compared to 1,233 branches some 10 years ago.

When compared to bank's main peers, Alior Bank operated a network of 905 branches in 2017, Pekao SA had 851 branches and Bank Zachodni WBK had a network of 735 branches in 2017.

Polish banks operated a network of 1,945 branches in 2017. Total of 41,880 people worked for the banks in 2017.

You can see all the banks branches data at Branches indicator page or you can download a report on the Polish banks in the report section.

Based on a comparison of 14 banks in Poland in 2017, PKO BP had the most employees, followed by Pekao SA and Bank Zachodni WBK.

PKO BP employed 28,443 persons in 2017, down 3.39% when compared to the previous year. Historically,

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Based on a comparison of 14 banks in Poland in 2017, PKO BP had the most employees, followed by Pekao SA and Bank Zachodni WBK.

PKO BP employed 28,443 persons in 2017, down 3.39% when compared to the previous year. Historically, the bank's workforce hit an all time high of 38,341 persons in 2001 and an all time low of 27,387 in 2013.

Average cost reached CZK 8,713 per month per employee, 8.55% more than a year ago. This figure was CZK 6,221 per month some 10 years ago.

When compared to the nearest peers, Pekao SA had 17,339 employees with average cost of CZK 9,373 per person a month, Bank Zachodni WBK operated with 14,383 people (and CZK 9,054 per employee) and Alior Bank had 8,110 employees in 2017 with CZK 8,110 cost per head.

Polish banking sector employed 41,880 people in 2017.

You can see all the banks employees data at Employees indicator page or you can download a report on the Polish banks in the report section.

Based on a comparison of 15 banks in Poland in 2017, Getin Noble Bank had the highest share of bad loans, followed by Bank Ochrony Srodowiska and Bank Pocztowy.

Getin Noble Bank's non-performing loans reached 15.8% of total loans at the

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Based on a comparison of 15 banks in Poland in 2017, Getin Noble Bank had the highest share of bad loans, followed by Bank Ochrony Srodowiska and Bank Pocztowy.

Getin Noble Bank's non-performing loans reached 15.8% of total loans at the end of 2017, up from 14.7% when compared to the previous year. Historically, the NPL ratio hit an all time high of 15.8% in 2017 and an all time low of 12.3% in 2011.

Provision coverage amounted to 11.9% at the end of 2017, up from 11.0% compared to a year earlier.

When compared to the nearest peers, Bank Ochrony Srodowiska operated at the end of 2017 with NPL ratio of 11.9% and provision coverage of 40.6%, Bank Pocztowy with 11.8% and 63.9% and Alior Bank had 10.8% of bad loans covered with 100% by provisions at the end of 2017.

Non-performing loans of the whole Poland’s banking sector amounted to 4.23% of total loans in 2017, down from 5.18% when compared to the last year.

You can see all the banks non-performing loans data at NPLs (As % Of Loans) indicator page or you can download a report on the Polish banks in the report section.

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BH's corporate loans fell 2.83% to PLN 11,057 mil in 4Q2017
BH's costs (as % of assets) rose 2.21% to 2.57% in 4Q2017
BH's net profit fell 4.78% to PLN 163 mil in 4Q2017
BH's net profit fell 4.78% to PLN 163 mil in 4Q2017
BH's price/earnings (P/E) rose 11.2% to 20.0 in 4Q2017
BH's net interest margin rose 8.07% to 2.66% in 4Q2017
BH's share price (end of period) rose 18.5% to PLN 81.9 in 4Q2017
BH's net interest income rose 6.17% to PLN 290 mil in 4Q2017
BH's employees fell 4.20% to 3,487 in 2017
BH's mortgage loans rose 12.0% to PLN 1,474 mil in 2017