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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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Annual Quarterly

summary

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income statement

Net Interest Income	PLN mil
Total Revenues	PLN mil
Operating Profit	PLN mil
Net Profit	PLN mil

...	...	...	...	...	...	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

Interbank Loans	PLN mil
Customer Loans	PLN mil
Debt Securities	PLN mil
Total Assets	PLN mil
Shareholders' Equity	PLN mil
Interbank Borrowing	PLN mil
Customer Deposits	PLN mil
Issued Debt Securities	PLN mil

...	...	...	...	...	...	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

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

						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

Market Capitalisation (End Of Period)	USD mil
Number Of Shares (Average)	mil
Share Price (End Of Period)	PLN
Earnings Per Share (EPS)
Book Value Per Share
Dividend Per Share
Price/Earnings (P/E)
Price/Book Value (P/BV)
Dividend Yield	%
Earnings Per Share Growth	%
Book Value Per Share Growth	%

...	...		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

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2001

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2003

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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	0	0	0	0
						736	970	973	947	626
...	...					361	757	935	971	611	...

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	...	...	...	...	...	...	-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

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Bank Cards	%
Market Share in Debit Cards	%
Market Share in Credit Cards	%
Market Share in Branches	%

...	...	...	...	...	...									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

Cash	PLN mil
Interbank Loans	PLN mil
Customer Loans	PLN mil
Retail Loans	PLN mil
Mortgage Loans	PLN mil
Consumer Loans	PLN mil
Corporate Loans	PLN mil
Debt Securities	PLN mil
Fixed Assets	PLN mil
Total Assets	PLN mil
Shareholders' Equity	PLN mil
Of Which Minority Interest	PLN mil
Liabilities	PLN mil
Interbank Borrowing	PLN mil
Customer Deposits	PLN mil
Retail Deposits	PLN mil
Corporate Deposits	PLN mil
Sight Deposits	PLN mil
Term Deposits	PLN mil
Issued Debt Securities	PLN mil
Other Liabilities	PLN mil

...	...	...	...	...	...							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	0	0	0	0	...	...
												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

Non-Performing Loans	PLN mil
Gross Loans	PLN mil
Total Provisions	PLN mil

...	...	...	...	...	...	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

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Consumer Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...	...	...	...	...	...	...					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

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

...	...	...	...	...	...					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

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Payout Ratio	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	PLN per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

						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%

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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

Branches
Employees
ATMs
Clients	mil
Payment Cards	'000
Debit Cards	'000
Credit Cards	'000
Sight (As % Of Customer Deposits)	%

...	...	...	...	...	...	...								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

October 24, 2018

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

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

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

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

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

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

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Bank Handlowy - Quarterly Cost of Risk

August 23, 2019

Bank Handlowy's Cost of Risk (loan loss provisions as % of total assets) amounted to 5.46% in the fourth quarter of 2017, up from 5.37% when compared to the previous quarter.

Historically, the bank’s cost of risk reached an

Bank Handlowy's Cost of Risk (loan loss provisions as % of total assets) amounted to 5.46% in the fourth quarter of 2017, up from 5.37% when compared to the previous quarter.

Historically, the bank’s cost of risk reached an all time high of 16.1% in 2Q2007 and an all time low of 4.47% in 1Q2016. The average cost of risk in the last six quarters amounted to 5.32%.

On the other hand, average asset yield was 3.27% in 4Q2017, up from 3.06% when compared to the same period last year. Cost of funding amounted to 0.718% in 4Q2017, down from 0.833%.

When compared to bank's main peers, PKO BP operated in the fourth quarter of 2017 with a cost of risk of 0.590% Pekao SA reached 0.360% and ING Bank Slaski some 0.357%.

You can see all the bank’s data at Bank Handlowy Profile, or you can download a report on the bank in the report section.

What Banks in Poland Were the Most Profitable in 4Q2017?

August 16, 2019

Based on a comparison of 11 banks in Poland, Pekao SA produced the highest net profit in the 4Q2017, followed by PKO BP and Santander Bank Polska.

Pekao SA made a net profit of PLN 1,054 mil, up 96.6% when compared to the previous

Based on a comparison of 11 banks in Poland, Pekao SA produced the highest net profit in the 4Q2017, followed by PKO BP and Santander Bank Polska.

Pekao SA made a net profit of PLN 1,054 mil, up 96.6% when compared to the previous quarter and up 113% when compared to the same period of last year. Historically, the bank’s net profit reached an all time high of PLN 1,138 mil in 1Q2008 and an all time low of PLN 270 mil in 3Q2004. The average profit in the last five years amounted to PLN 627 mil.

The bank generated its shareholders an average return on equity of 10.9% in the last five years with maximum at 18.5% and minimum at 6.04%.

When compared to the nearest peers, PKO BP generated a net profit of PLN 820 mil with ROE of 9.16% in 4Q2017, Santander Bank Polska netted PLN 549 mil (ROE of 9.55%) and ING Bank Slaski announced a net profit of PLN 367 mil implying ROE of 12.6%.

Net profit of the Poland’s banking sector amounted to PLN 15,450 mil in 4Q2017, down 5.47% when compared to the last year. As a result, the top ranked company - Pekao SA accounted for 6.82% of the sector’s net profit in 4Q2017. The top 3 companies held a 15.7% share while the five largest firms some 20.1% in 4Q2017.

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

What Banks in Poland Generated the Most Revenues in 4Q2017?

August 16, 2019

Based on a comparison of 11 banks in Poland in 4Q2017, PKO BP generated the largest revenues, followed by Pekao SA and Santander Bank Polska.

PKO BP reported total revenues of PLN 3,264 mil, up 2.29% when compared to the

Based on a comparison of 11 banks in Poland in 4Q2017, PKO BP generated the largest revenues, followed by Pekao SA and Santander Bank Polska.

PKO BP reported total revenues of PLN 3,264 mil, up 2.29% when compared to the previous quarter and up 17.7% when compared to the same period of last year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of PLN 3,264 mil in 4Q2017 and an all time low of PLN 1,368 mil in 3Q2004. The average revenue in the last five years amounted to PLN 2,725 mil.

Bank's total revenues accounted for 4.40% of total assets in 4Q2017, up from 3.88% a year earlier.

When compared to the nearest peers, Pekao SA generated total revenues of PLN 2,022 mil, or 4.36% of assets in 4Q2017, Santander Bank Polska operated with PLN 2,010 mil total income, or 5.27% revenue margin and ING Bank Slaski produced total income worth PLN 1,227 mil, or 3.90% of assets.

Polish banking sector generated total revenues of PLN 46,018 mil in 4Q2017, up 13.1% when compared to the last year. As a result, the top ranked company - PKO BP accounted for 7.09% of the sector’s total income in 4Q2017. The top 3 companies held a 15.9% share while the five largest firms some 21.0% in 4Q2017.

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

What Banks in Poland Were the Most Cost Efficient in 4Q2017?

August 16, 2019

Based on a comparison of 11 banks in Poland in 4Q2017, Pekao SA was the most cost efficient bank, followed by ING Bank Slaski and Santander Bank Polska.

Pekao SA's cost to income ratio reached 42.3% in 4Q2017, down from 44.9%

Based on a comparison of 11 banks in Poland in 4Q2017, Pekao SA was the most cost efficient bank, followed by ING Bank Slaski and Santander Bank Polska.

Pekao SA's cost to income ratio reached 42.3% in 4Q2017, down from 44.9% when compared to the previous quarter and down from 45.1% when compared to the same period of last year. Historically, the bank’s costs reached an all time high of 62.7% in 3Q2004 and an all time low of 40.3% in 2Q2016.

When compared to total assets, bank's cost amounted to 1.39% in 4Q2017, up from 1.88% a year earlier.

When compared to the nearest peers, ING Bank Slaski operated in 4Q2017 with a cost to income ratio of 43.1%, Santander Bank Polska reached 43.3% and mBank some 43.3%.

The average cost to income ratio reached 46.2% in the Polish banking sector in 4Q2017.

You can see all the banks cost efficiency data at Costs (As % Of Income) indicator page or you can download a report on the Polish banks in the report section.

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BH's npls (as % of loans) rose 12.2% to 3.50% in 4Q2017

BH's mortgage loans rose 4.37% to PLN 1,474 mil in 4Q2017

BH's retail deposits fell 0.655% to PLN 10,349 mil in 4Q2017

BH's employees fell 0.400% to 3,487 in 4Q2017

BH's customer loans fell 1.21% to PLN 17,854 mil in 4Q2017

BH's customer deposits fell 0.579% to PLN 32,137 mil in 4Q2017

BH's corporate deposits fell 3.31% to PLN 16,743 mil in 4Q2017

BH's consumer loans rose 0.770% to PLN 5,323 mil in 4Q2017

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