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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

Unit

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income statement

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

...	...	...	...	...	...	1,488	1,242	1,164	977	1,004
...	...	...	...	...	...	2,727	2,547	2,424	2,104	2,081
...	...	...	...	...	...	1,297	1,177	1,154	774	879
						970	973	947	626	602

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

...	...	...	...	...	...	1,462	3,540	2,066	757	587
...	...	...	...	...	...	16,221	15,231	16,771	18,976	17,170
...	...	...	...	...	...	21,842	23,404	27,175	25,414	24,556
						43,509	45,398	49,844	49,507	45,210
						7,391	7,307	7,527	6,851	6,790
...	...	...	...	...	...	2,356	6,378	5,123	6,964	2,311
...	...	...	...	...	...	26,852	26,569	29,633	31,586	33,937
...	...	...	...	...	...	5,846	4,222	6,771	3,360	1,346

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)	%

						14.0%	13.2%	12.8%	8.71%	8.82%
						2.26%	2.19%	1.99%	1.26%	1.27%
...	...	...	...	...	...	3.33%	3.08%	2.67%	2.68%	2.54%
...	...	...	...	...	...	52.4%	53.8%	52.4%	63.2%	57.8%
...	...	...	...	...		18.1%	16.7%	17.5%	17.1%	17.4%
...	...	...	...	...	...	3.47%	2.79%	2.44%	1.97%	2.12%
...	...	...	...	...	...	54.6%	48.8%	48.0%	46.4%	48.2%
...	...	...	...	...	...	22.0%	25.2%	25.5%	30.0%	27.0%
...	...	...	...	...	...	50.4%	50.4%	45.7%	42.5%	46.0%
						17.0%	16.1%	15.1%	13.8%	15.0%
...	...	...	...	...	...	60.4%	57.3%	56.6%	60.1%	50.6%
...	...	...	...	...	...	37.3%	33.6%	33.6%	38.3%	38.0%
...	...	...	...	...	...	8.59%	7.58%	5.77%	3.20%	3.10%
...	...	...	...	...	...	80.3%	80.0%	89.3%	93.6%	103%

valuation

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

...	...		4,151	4,552	4,189	2,654	2,388
...	...		131	131	131	131	131
...	...		98.3	105	114	71.9	76.4
...	...		7.42	7.44	7.25	4.79	4.60
...	...		56.6	55.9	57.6	52.4	52.0
...	...		5.79	7.15	7.43	4.68	4.53
...	...		13.2	14.1	15.7	15.0	16.6
...	...		1.74	1.88	1.97	1.37	1.47
...	...		5.89%	6.81%	6.55%	6.51%	5.93%
...	...	...	31.7%	0.266%	-2.61%	-33.9%	-3.97%
...	...	...	14.7%	-1.14%	3.01%	-8.99%	-0.879%

Download Data

income statement

Unit

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

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2009

2010

2011

2012

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2015

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2018

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

...	...	...	...	...	...	2,076	1,646	1,489	1,232	1,259
...	...	...	...	...	...	588	404	325	256	255
...	...	...	...	...	...	1,488	1,242	1,164	977	1,004
...	...	...	...	...	...	599	642	619	631	561
...	...	...	...	...	...	640	662	641	496	517
...	...	...	...	...	...	2,727	2,547	2,424	2,104	2,081
...	...	...	...	...	...	720	690	580	566	553
...	...	...	...	...	...	64.7	62.6	71.4	70.4	69.9
...	...	...	...	...	...	645	617	618	694	580
...	...	...	...	...	...	1,430	1,370	1,269	1,331	1,202
...	...	...	...	...	...	1,297	1,177	1,154	774	879
...	...	...	...	...	...	58.1	-36.2	-17.8	-17.2	45.8
...	...	...	...	...	...	-0.624	-4.91	4.53	-0.061	69.1
						1,240	1,218	1,168	791	764
...	...	...	...	...	...	269	245	220	164	163
...	...	...	...	...	...	0	0	0	0	0.085
						970	973	947	626	602
...	...					757	935	971	611	592

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	%

...	...	...	...	...	...	...	3.76%	-16.5%	-6.30%	-16.1%	2.76%
...	...	...	...	...	...	...	-6.89%	7.25%	-3.64%	2.01%	-11.1%
...	...	...	...	...	...	...	12.4%	-6.60%	-4.82%	-13.2%	-1.08%
...	...	...	...	...	...	...	-0.167%	-4.20%	-7.32%	4.83%	-9.65%
...	...	...	...	...	...	...	30.4%	-9.25%	-1.92%	-33.0%	13.7%
...							34.5%	-1.73%	-4.14%	-32.3%	-3.34%
...							31.7%	0.266%	-2.61%	-33.9%	-3.97%

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	%

...	...	...	...	...	...									4.64%	4.59%	4.20%	3.76%	3.51%	...
														6.27%	6.41%	5.97%	5.60%	4.32%	...
...	...	...	...	...	...									2.89%	2.60%	2.47%	2.37%	2.10%	...
...	...	...	...	...	...	...	...	...	...	...	...	...		5.81%	5.26%	4.75%	4.69%	2.66%	...
...	...	...	...	...	...	...	...	...	...	...	...	...	...	1.57%	1.22%	1.03%	0.950%	0.808%	...
...	...	...	...	...										23.5%	23.9%	23.1%	22.9%	11.9%	...
...	...	...	...	...	...	...								0.572%	0.426%	0.293%	0.311%	0.194%	...

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

2018

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

...	...	...	...	...	...							1,357	778	1,523	2,170	666
...	...	...	...	...	...							1,462	3,540	2,066	757	587
...	...	...	...	...	...							16,221	15,231	16,771	18,976	17,170
...	...	...	...	...	...							5,921	5,283	5,885	6,173	6,412
...	...	...	...	...	...	...	...	...	...			926	1,068	1,236	1,300	1,316
...	...	...	...	...	...							4,995	4,215	4,648	4,872	5,096
...	...	...	...	...	...							12,893	9,233	9,864	10,769	10,757
...	...	...	...	...	...							21,842	23,404	27,175	25,414	24,556
...	...	...	...	...	...							1,790	1,802	1,755	1,726	1,694
												43,509	45,398	49,844	49,507	45,210
												7,391	7,307	7,527	6,851	6,790
...	...	...	...	...	...							0	0	0	0	0
												36,117	38,091	42,317	42,656	38,420
...	...	...	...	...	...							2,356	6,378	5,123	6,964	2,311
...	...	...	...	...	...							26,852	26,569	29,633	31,586	33,937
...	...	...	...	...	...							5,887	6,907	7,662	8,742	9,949
...	...	...	...	...	...							12,101	15,918	18,723	16,427	19,174
...	...	...	...	...	...	...	...	...	...	...	...	14,284	17,304	19,537	20,195	22,973
...	...	...	...	...	...	...	...	...	...	...	...	9,345	8,781	9,963	7,700	10,963
...	...	...	...	...	...							5,846	4,222	6,771	3,360	1,346
...	...	...	...	...	...							1,062	922	791	746	827

asset quality

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

...	...	...	...	...	...	1,408	1,229	1,095	626	547
...	...	...	...	...	...	16,400	16,215	18,967	19,561	17,647
...	...	...	...	...	...	1,131	984	978	585	563

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	%

...	...	...	...	...	...	...					10.2%	-6.10%	10.1%	13.1%	-9.52%
...	...	...	...	...	...	...					1.00%	-10.8%	11.4%	4.89%	3.89%
...	...	...	...	...	...	...	...	...	...	...	58.6%	15.4%	15.7%	5.15%	1.24%
...	...	...	...	...	...	...					-5.37%	-15.6%	10.3%	4.82%	4.59%
...	...	...	...	...	...	...					21.2%	-28.4%	6.84%	9.17%	-0.110%
...											2.91%	4.34%	9.79%	-0.676%	-8.68%
...											14.7%	-1.14%	3.01%	-8.99%	-0.879%
...	...	...	...	...	...	...					11.4%	-1.06%	11.5%	6.59%	7.44%
...	...	...	...	...	...	...					-1.60%	17.3%	10.9%	14.1%	13.8%
...	...	...	...	...	...	...					-1.76%	31.5%	17.6%	-12.3%	16.7%

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	%

...	...	...	...	...	...					1.73%	1.57%	1.61%	1.72%	1.48%	...
...	...	...	...	...	...					4.74%	3.32%	3.28%	3.29%	3.12%	...
...	...	...	...	...	...					2.36%	1.93%	2.00%	1.97%	1.96%	...
...	...	...	...	...	...					1.11%	0.953%	0.999%	0.982%	0.971%	...
...	...	...	...	...	...	...	...	...	...	0.288%	0.318%	0.347%	0.341%	0.329%	...
										3.22%	3.23%	3.25%	3.09%	2.64%	...
...	...	...	...	...	...					2.89%	2.72%	2.83%	2.83%	2.80%	...
...	...	...	...	...	...					1.14%	1.26%	1.26%	1.31%	1.36%	...
...	...	...	...	...	...					6.33%	7.59%	8.16%	6.48%	6.97%	...

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

2018

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)	%

						14.0%	13.2%	12.8%	8.71%	8.82%
						2.26%	2.19%	1.99%	1.26%	1.27%
...	...	...	...	...	...	3.33%	3.08%	2.67%	2.68%	2.54%
...	...	...	...	...	...	52.4%	53.8%	52.4%	63.2%	57.8%
...	...	...	...	...		18.1%	16.7%	17.5%	17.1%	17.4%
...	...	...	...	...	...	3.47%	2.79%	2.44%	1.97%	2.12%
...	...	...	...	...	...	3.21%	2.61%	2.32%	1.88%	2.03%
...	...	...	...	...	...	4.84%	3.70%	3.13%	2.48%	2.66%
...	...	...	...	...	...	1.63%	1.09%	0.809%	0.602%	0.629%
...	...					78.0%	96.1%	102%	97.6%	98.4%
...	...	...	...	...	...	54.6%	48.8%	48.0%	46.4%	48.2%
...	...	...	...	...	...	22.0%	25.2%	25.5%	30.0%	27.0%
...	...	...	...	...	...	23.5%	26.0%	26.4%	23.6%	24.8%
...	...	...	...	...	...	3,504	3,898	3,387	3,470	3,150
...	...	...	...	...	...	11,401	12,319	11,098	11,372	12,654
...	...	...	...	...	...	50.4%	50.4%	45.7%	42.5%	46.0%
						17.0%	16.1%	15.1%	13.8%	15.0%
...	...	...	...	...	...	60.4%	57.3%	56.6%	60.1%	50.6%
...	...	...	...	...	...	37.3%	33.6%	33.6%	38.3%	38.0%
...	...	...	...	...	...	8.59%	7.58%	5.77%	3.20%	3.10%
...	...	...	...	...	...	80.3%	80.0%	89.3%	93.6%	103%
...	...	...	...	...	...	6.97%	6.46%	5.83%	3.09%	3.28%
...	...	...	...	...	...	0.376%	-0.230%	-0.111%	-0.096%	0.253%

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

2018

other data

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

...	...	...	...	...	...	...								88.0	65.0	44.0	45.0	28.0		...
...	...	...	...	...	...									5,263	4,665	4,355	4,146	3,640
...	...	...	...	...	...	...	...	...	...	...	...			115	93.0	71.0	76.0	...	...	...
...	...	...	...	...	...	...	...	...	...	...	...	...	...	1.44	1.30	1.20	1.32	0.681
...	...	...	...	...	...	...	...	...	...	...	...	...		1,934	1,809	1,700	1,606	947
...	...	...	...	...	...	...	...	...	...	...	...	...	...	418	345	306	277	248
...	...	...	...	...										1,516	1,465	1,394	1,329	699
...	...	...	...	...	...	...	...	...	...	...	...			53.2%	65.1%	65.9%	63.9%	67.7%

Download Data

Bank Handlowy in Numbers

October 4, 2019

This Annual statistical dossier offers a summary of Bank Handlowy's performance between 1997 and 2018 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 2018 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 in Quarterly Numbers

October 4, 2019

This Quarterly statistical dossier offers a summary of Bank Handlowy's performance between Dec 06 and Jun 19 on an quarterly 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,

This Quarterly statistical dossier offers a summary of Bank Handlowy's performance between Dec 06 and Jun 19 on an quarterly basis. The report can be downloaded as an excel file.

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

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 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 - Market Capitalization Peers Comparison

October 23, 2019

Bank Handlowy stock traded at PLN 202 per share at the end of second quarter of 2019 implying a market capitalization of USD 6,950 mil.

Over the last five years, the stock has appreciated by 52.3 implying an annual average growth

Bank Handlowy stock traded at PLN 202 per share at the end of second quarter of 2019 implying a market capitalization of USD 6,950 mil.

Over the last five years, the stock has appreciated by 52.3 implying an annual average growth of 8.78% In absolute terms, the value of the company grew by USD 1,289 mil.

At the end of the second quarter of 2019, the bank traded at price to earnings of 16.2x and price to book value of 1.85x. The bank generated its shareholders an average return on equity of 11.8% in the last five years and average dividend yield of 0.763%

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.

Bank Handlowy - Capital To Assets

October 7, 2019

Bank Handlowy's Equity reached 9.29% of total assets in the 2Q2019, down from 10.9% for the previous year. As a share of net customer loans, the ratio amounted to 12.8% at the end of the second quarter of 2019.

Bank Handlowy - Share Price & Market Capitalization

October 4, 2019

Bank Handlowy stock traded at PLN 69.1 per share at the end of 2018 implying a market capitalization of USD 2,414 mil.

Since the end of 2013, the stock has depreciated by -34.2 % implying an annual average growth of -8.03 %. In absolute

Bank Handlowy stock traded at PLN 69.1 per share at the end of 2018 implying a market capitalization of USD 2,414 mil.

Since the end of 2013, the stock has depreciated by -34.2 % implying an annual average growth of -8.03 %. In absolute terms, the value of the company fell by USD -2,138 mil.

Historically, the bank’s stock price reached an all time high of PLN 114 in 2014 and an all time low of PLN 48.0 in 2008.

At the end of 2018, the bank traded at price to earnings of 14.1x and price to book value of 1.28x. The bank generated its shareholders an average return on equity of 9.45% in the last five years and average dividend yield of 6.21%.

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.

Bank Handlowy - Price to Earnings & Book Value

October 4, 2019

Bank Handlowy stock traded at PLN 69.1 per share at the end 2018 implying a market capitalization of USD 2,414 mil.

Since the end of 2013, the stock has depreciated by -34.2 % implying an annual average growth of -8.03 %. In absolute

Bank Handlowy stock traded at PLN 69.1 per share at the end 2018 implying a market capitalization of USD 2,414 mil.

Since the end of 2013, the stock has depreciated by -34.2 % implying an annual average growth of -8.03 %. In absolute terms, the value of the company fell by USD -2,138 mil.

At the end of 2018, the bank traded at price to earnings of 14.1x. Within the last five years, the multiple reached an all time high of 20.0x in 2017 and an all time low of 14.1x in 2018 with an average of 16.3x.

In terms of price to book value, the stock reached 1.28x at the end of 2018. Since 2013, the multiple reached an all time high of 1.97x in 2014 and an all time low of 1.28x in 2018 with an average of 1.53x.

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.

See all charts of the company »

BH's market capitalisation (end of period) fell 18.1% to USD 1,881 mil in 2Q2019

BH's share price (end of period) fell 20.4% to PLN 53.7 in 2Q2019

BH's npls (as % of loans) rose 31.4% to 4.53% in 2Q2019

BH's net profit rose 124% to PLN 133 mil in 2Q2019

BH's corporate loans fell 3.98% to PLN 12,784 mil in 2Q2019

BH's price/earnings (P/E) fell 12.7% to 13.9 in 2Q2019

BH's net interest margin rose 1.73% to 2.28% in 2Q2019

BH's equity (as % of assets) fell 7.68% to 13.2% in 2Q2019

BH's Cost of Risk rose 262% to 0.827% in 2Q2019

BH's net interest income rose 3.97% to PLN 288 mil in 2Q2019