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Bank Zachodni WBK

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Bank Zachodni WBK

Bank Zachodni WBK (BZ WBK) is a Polish universal bank based in Wrocław, Poznań and Warsaw. It is the third largest bank in Poland in terms of assets and the number of outlets. It was formed in 2001 by the merger of Bank Zachodni and Wielkopolski Bank Kredytowy. Since 2011, the Bank has been owned by the Spanish Santander Group. At the beginning of 2013, Bank Zachodni WBK merged with Kredyt Bank, a troubled small bank formerly owned

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Bank Zachodni WBK (BZ WBK) is a Polish universal bank based in Wrocław, Poznań and Warsaw. It is the third largest bank in Poland in terms of assets and the number of outlets. It was formed in 2001 by the merger of Bank Zachodni and Wielkopolski Bank Kredytowy. Since 2011, the Bank has been owned by the Spanish Santander Group. At the beginning of 2013, Bank Zachodni WBK merged with Kredyt Bank, a troubled small bank formerly owned by Belgium's KBC. All these steps led to establishing the third largest bank in Poland by market share. Bank Zachodni WBK has a network of over 600 branches and provides services to more than 3.8 mil customers. Apart from the traditional retail and corporate banking, it also offers such services as securities intermediation, leasing, factoring, asset and fund management, insurance, and shares trading

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

income statement

...                     2,069 2,301 3,277 3,997 4,309    
...                     3,823 4,136 6,090 6,579 7,540    
...                     1,898 2,318 3,228 3,475 3,975    
...                     1,184 1,434 1,982 1,915 2,327    

balance sheet

...                     1,204 1,458 2,213 2,523 3,581    
...                     38,017 39,868 68,132 85,821 94,914    
...                     17,630 12,801 24,825 32,579 29,242    
...                     59,797 60,019 105,965 134,502 139,709    
...                     7,483 8,978 14,483 18,052 20,568    
...                     2,505 1,351 6,279 8,360 1,067    
...                     46,830 47,077 78,543 94,982 101,245    
...                     1,897 1,460 3,530 8,953 9,463    

ratios

...                     16.6% 17.4% 16.9% 11.8% 12.1%    
...                     2.10% 2.39% 2.39% 1.59% 1.70%    
...                     3.41% 3.04% 3.45% 2.58% 2.60%    
...                     50.3% 44.0% 47.0% 47.2% 47.3%    
                      15.1% 16.5% 13.9% 12.9% 14.6%    
...                     3.66% 3.84% 3.95% 3.32% 3.14%    
...                     54.1% 55.6% 53.8% 60.8% 57.1%    
...                     35.5% 33.5% 29.2% 28.1% 25.7%    
...                     50.8% 52.4% 48.1% 46.7% 43.3%    
...                     12.5% 15.0% 13.7% 13.4% 14.7%    
...                     81.2% 84.7% 86.7% 90.4% 93.7%    
...                     63.6% 66.4% 64.3% 63.8% 67.9%    
...                     5.57% 5.45% 7.90% 8.37% 7.30%    
...                     49.1% 68.4% 61.7% 67.3% 70.3%    

valuation

...                     4,797 5,836 12,032 10,511 7,224    
...                     73.1 74.6 93.5 99.2 99.2    
...                     226 242 388 375 284    
...                     16.2 19.2 21.2 19.3 23.5    
...                     102 120 155 182 207    
...                     8.01 9.53 10.7 9.60 13.0   ...
...                     13.9 12.6 18.3 19.4 12.1    
...                     2.21 2.01 2.50 2.06 1.37    
...                     3.54% 3.94% 2.76% 2.56% 4.58%   ...
... ...                   21.6% 18.5% 10.3% -8.95% 21.5%    
... ...                   10.5% 17.5% 28.7% 17.5% 13.9%    

Download Data
income statement Unit
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
...                     3,414 3,867 5,215 5,723 5,709    
...                     1,345 1,566 1,939 1,726 1,400    
...                     2,069 2,301 3,277 3,997 4,309    
...                     1,358 1,385 1,779 1,848 1,938    
...                     397 450 1,035 734 1,293    
...                     3,823 4,136 6,090 6,579 7,540    
...                     977 953 1,376 1,450 1,544    
...                     216 138 219 308 257    
...                     732 728 1,267 1,346 1,764    
...                     1,925 1,819 2,862 3,104 3,565    
...                     1,898 2,318 3,228 3,475 3,975    
...                     367 502 729 837 811    
...                     -11.1 -21.3 -16.3 -1.39 -13.8    
...                     1,542 1,837 2,515 2,640 3,178    
...                     316 374 500 593 644    
...                     42.5 28.8 32.3 133 207    
...                     1,184 1,434 1,982 1,915 2,327    
...                     585 711 1,001 953 1,290   ...

growth rates

... ...                   13.5% 11.2% 42.4% 22.0% 7.81%    
... ...                   0.968% 2.01% 28.4% 3.89% 4.89%    
... ...                   8.00% 8.20% 47.2% 8.03% 14.6%    
... ...                   8.96% -5.50% 57.4% 8.45% 14.9%    
... ...                   7.04% 22.1% 39.3% 7.67% 14.4%    
... ...                   13.6% 19.1% 36.9% 4.98% 20.4%    
... ...                   21.6% 21.1% 38.3% -3.41% 21.5%    

market share

...                     6.67% 7.04% 11.0% 11.4% 13.5%    
...                     7.62% 9.27% 13.1% 12.1% 20.8%    
... ...                   5.04% 4.85% 7.03% 8.43% 8.12%    
... ... ... ... ... ... ... ... ...     9.08% 9.31% 12.4% 14.0% 15.5%    
... ... ... ... ... ... ... ... ...     10.2% 10.1% 13.1% 14.5% 14.1%    
... ... ... ... ... ... ... ... ...     5.14% 6.48% 9.29% 11.5% 20.7%    
... ...                   3.79% 3.38% 5.44% 6.40% 6.15%    

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

balance sheet

...                     1,426 4,157 5,150 6,807 6,230    
...                     1,204 1,458 2,213 2,523 3,581    
...                     38,017 39,868 68,132 85,821 94,914    
... ...                   12,553 13,697 34,041 47,784 51,950    
... ...                   7,605 8,081 25,295 30,861 33,721    
... ... ... ...               4,948 5,617 8,747 16,923 18,230    
... ... ...                 25,921 27,080 34,253 39,150 43,307    
...                     17,630 12,801 24,825 32,579 29,242    
...                     651 607 3,682 3,805 2,985    
...                     59,797 60,019 105,965 134,502 139,709    
...                     7,483 8,978 14,483 18,052 20,568    
...                     127 93.3 611 1,521 1,176    
...                     52,314 51,042 91,482 116,450 119,141    
...                     2,505 1,351 6,279 8,360 1,067    
...                     46,830 47,077 78,543 94,982 101,245    
... ... ...                 26,590 28,073 47,999 58,257 59,201    
... ... ...                 18,565 17,187 27,045 33,150 39,307    
... ... ... ... ... ... ... ... ... ... ... ... ... 36,842 48,475 48,713    
... ... ... ... ... ... ... ... ... ... ... ... ... 38,738 43,048 48,564    
...                     1,897 1,460 3,530 8,953 9,463    
...                     1,082 1,153 3,130 4,155 7,366    

asset quality

...                     2,179 2,257 5,658 7,612 7,303    
...                     39,087 41,412 71,622 90,947 100,045    
...                     1,069 1,544 3,490 5,127 5,131    

growth rates

... ...                   15.8% 4.87% 70.9% 26.0% 10.6%    
... ... ...                 9.76% 9.11% 149% 40.4% 8.72%    
... ... ...                 9.64% 6.25% 213% 22.0% 9.27%    
... ... ... ... ...             9.94% 13.5% 55.7% 93.5% 7.72%    
... ... ... ...               14.5% 4.47% 26.5% 14.3% 10.6%    
... ...                   12.5% 0.372% 76.6% 26.9% 3.87%    
... ...                   10.5% 20.0% 61.3% 24.6% 13.9%    
... ...                   11.6% 0.529% 66.8% 20.9% 6.59%    
... ... ... ...               5.39% 5.58% 71.0% 21.4% 1.62%    
... ... ... ...               27.1% -7.42% 57.4% 22.6% 18.6%    

market share

...                     4.14% 4.26% 7.01% 8.26% 8.59%    
... ... ...                 9.80% 9.95% 12.3% 13.0% 13.2%    
... ... ... ...               2.31% 2.66% 4.00% 7.26% 7.37%    
... ...                   2.36% 2.57% 6.14% 8.11% 8.27%    
... ...                   2.38% 2.51% 7.54% 8.67% 8.84%    
...                     4.62% 4.45% 7.54% 8.78% 8.73%    
...                     5.19% 5.07% 8.03% 9.08% 9.08%    
... ... ...                 5.57% 5.44% 8.76% 9.61% 8.89%    
... ... ...                 9.01% 8.99% 12.9% 14.5% 15.5%    

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

ratios

...                     16.6% 17.4% 16.9% 11.8% 12.1%    
...                     2.10% 2.39% 2.39% 1.59% 1.70%    
...                     3.41% 3.04% 3.45% 2.58% 2.60%    
...                     50.3% 44.0% 47.0% 47.2% 47.3%    
                      15.1% 16.5% 13.9% 12.9% 14.6%    
... ... ... ... ... ... ... ...       14.0% 14.3% 11.4% 12.5% 14.1%    
...                     3.66% 3.84% 3.95% 3.32% 3.14%    
... ...                   3.32% 3.42% 3.56% 3.10% 2.98%    
...                     6.04% 6.46% 6.28% 4.76% 4.16%    
... ...                   2.73% 3.03% 2.72% 1.66% 1.19%    
...                     49.4% 49.6% 50.5% 49.8% 55.4%   ...
...                     54.1% 55.6% 53.8% 60.8% 57.1%    
...                     35.5% 33.5% 29.2% 28.1% 25.7%    
...                     10.4% 10.9% 17.0% 11.2% 17.1%    
... ...                   2,926 2,762 2,876 2,485 2,432    
... ...                   8,675 8,989 9,089 8,143 9,050    
...                     50.8% 52.4% 48.1% 46.7% 43.3%    
...                     12.5% 15.0% 13.7% 13.4% 14.7%    
...                     81.2% 84.7% 86.7% 90.4% 93.7%    
...                     63.6% 66.4% 64.3% 63.8% 67.9%    
...                     5.57% 5.45% 7.90% 8.37% 7.30%    
...                     49.1% 68.4% 61.7% 67.3% 70.3%    
...                     2.81% 3.87% 5.12% 5.97% 5.41%    
...                     1.04% 1.29% 1.35% 1.09% 0.897%    

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

other data

... ...                   526 519 830 961 890    
... ...                   9,383 8,835 12,612 14,835 14,218    
... ... ...     ... ... ...       1,045 1,059 1,385 1,365 1,525    
... ... ... ... ... ... ... ... ...     0.000 0.000 ... ... ... ...  
... ... ... ... ... ... ... ... ...     2,873 3,100 4,263 4,994 5,300    
... ... ... ... ... ... ... ... ...     2,516 2,682 3,693 4,300 4,100    
... ... ... ... ... ... ... ... ...     357 418 570 694 1,200    
... ... ... ... ... ... ... ... ... ... ... ... ... 46.9% 51.0% 48.1%    

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 Zachodni WBK in Numbers

This Annual statistical dossier offers a summary of Bank Zachodni WBK's performance between 2000 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 Zachodni WBK's performance between 2000 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 BZ WBK'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 Zachodni WBK at a Glance

Bank Zachodni WBK (BZ WBK) is a Polish universal bank based in Wrocław, Poznań and Warsaw. It is the third largest bank in Poland in terms of assets and the number of outlets. It was formed in 2001 by the merger of Bank Zachodni and Wielkopolski Bank Kredytowy. Since 2011, the Bank has been owned by the Spanish Santander Group. At the beginning of 2013,

Read more »

Bank Zachodni WBK (BZ WBK) is a Polish universal bank based in Wrocław, Poznań and Warsaw. It is the third largest bank in Poland in terms of assets and the number of outlets. It was formed in 2001 by the merger of Bank Zachodni and Wielkopolski Bank Kredytowy. Since 2011, the Bank has been owned by the Spanish Santander Group. At the beginning of 2013, Bank Zachodni WBK merged with Kredyt Bank, a troubled small bank formerly owned by Belgium's KBC. All these steps led to establishing the third largest bank in Poland by market share. Bank Zachodni WBK has a network of over 600 branches and provides services to more than 3.8 mil customers. Apart from the traditional retail and corporate banking, it also offers such services as securities intermediation, leasing, factoring, asset and fund management, insurance, and shares trading.

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 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.

Bank Zachodni WBK in Numbers

Bank Zachodni WBK (BZ WBK) is a Polish universal bank based in Wrocław, Poznań and Warsaw. It is the third largest bank in Poland in terms of assets and the number of outlets. It was formed in 2001 by the merger of Bank Zachodni and Wielkopolski Bank Kredytowy. Since 2011, the Bank has been owned by the Spanish Santander Group. At the beginning of 2013,

Read more »

Bank Zachodni WBK (BZ WBK) is a Polish universal bank based in Wrocław, Poznań and Warsaw. It is the third largest bank in Poland in terms of assets and the number of outlets. It was formed in 2001 by the merger of Bank Zachodni and Wielkopolski Bank Kredytowy. Since 2011, the Bank has been owned by the Spanish Santander Group. At the beginning of 2013, Bank Zachodni WBK merged with Kredyt Bank, a troubled small bank formerly owned by Belgium's KBC. All these steps led to establishing the third largest bank in Poland by market share. Bank Zachodni WBK has a network of over 600 branches and provides services to more than 3.8 mil customers. Apart from the traditional retail and corporate banking, it also offers such services as securities intermediation, leasing, factoring, asset and fund management, insurance, and shares trading.

This excel file offers a summary of the company's performance on the annual basis in between 2001-2012. 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

Bank Zachodni WBK's mortgage loans reached PLN 38,556 mil in 2017, up 0.411% compared to the previous year.

Polish banking sector provided mortgage loans of PLN 391 bil in 2017, down 1.49% when compared to the last year.

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Bank Zachodni WBK's mortgage loans reached PLN 38,556 mil in 2017, up 0.411% compared to the previous year.

Polish banking sector provided mortgage loans of PLN 391 bil in 2017, down 1.49% when compared to the last year.

Bank Zachodni WBK accounted for 9.78% of all mortgage loans issued in Poland at the end of 2017. Historically, the bank’s market share in mortgage loans reached an all time high of 9.78% in 2017 and an all time low of 2.38% in 2011.

You can see all the company’s data at Bank Zachodni WBK Profile, or you can download a report on the firm in the report section.

Based on a comparison of 15 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 2,874, up 10.1% compared to the previous year. Historically,

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Based on a comparison of 15 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 2,874, up 10.1% compared to the previous year. Historically, the bank’s net profit reached an all time high of 3,807 in 2011 and an all time low of 887 in 2001. The average profit in the last five years amounted to 3,139.

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

Comparing PKO BP with its closest peers, Pekao SA generated a net profit of 2,279 with a ROE of 9.84% in 2016, Bank Zachodni WBK netted 2,167 (ROE of 10.4%) and ING Bank Slaski announced a net profit of 1,253 giving a ROE of 11.8%.

The net profit of the Poland’s banking sector amounted to 73,525 in 2016, up 10.8% compared to the previous year. Heading up the rankings, 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 on the Net Profit 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 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.

Comparing PKO BP with its closest 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 on the 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 month per employee, 8.55% more than a year ago. This figure was CZK 6,221 per month some 10 years ago.

Comparing PKO BP with its closest peers, Pekao SA had 17,339 employees with average cost of CZK 9,373 per month per person, Bank Zachodni WBK operated with 14,383 people (and CZK 9,054 per month per employee) and Alior Bank had 8,110 employees in 2017 with cost CZK 8,110 per month per head.

Polish banking sector employed 41,880 people in 2017.

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

See all charts of the company »
BZ WBK's net profit fell 1.95% to PLN 549 mil in 4Q2017
BZ WBK's net profit fell 1.95% to PLN 549 mil in 4Q2017
BZ WBK's capital adequacy ratio rose 4.95% to 15.3% in 4Q2017
BZ WBK's corporate loans rose 1.49% to PLN 54,664 mil in 4Q2017
BZ WBK's share price (end of period) rose 13.4% to PLN 396 in 4Q2017
BZ WBK's costs (as % of assets) fell 8.63% to 2.03% in 4Q2017
BZ WBK's net interest income rose 2.87% to PLN 1,379 mil in 4Q2017
BZ WBK's price/earnings (P/E) rose 8.96% to 17.8 in 4Q2017
BZ WBK's net interest margin rose 1.88% to 3.64% in 4Q2017
BZ WBK's mortgage loans rose 0.411% to PLN 38,556 mil in 2017