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Bank Handlowy w Warszawie (BHW) investor relations material
Bank Handlowy w Warszawie Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Q3 2025 net profit was PLN 469 million, down 13.8% year-over-year but up 184% sequentially, with ROE at 17.1%.
Revenue exceeded PLN 1 billion, with a 9% sequential and 7% year-over-year decline.
Lending portfolio grew 14% year-over-year, deposits up 16% year-over-year, and record high loan volumes in Institutional Banking.
The Retail Business was reclassified as held for sale, incurring a net loss of PLN 215.7 million from discontinued operations.
Dividend payouts totaled PLN 1.75 billion in 2025, aligning with the stated dividend policy.
Financial highlights
Net interest income for Q3 2025 was PLN 733 million, down 4% sequentially and 11% year-over-year.
Net fee and commission income rose 3% sequentially and 7% year-over-year to PLN 152 million.
Cost/income ratio for Q3 2025 was 23%, with operating expenses and depreciation at PLN 359 million.
Total assets as of September 30, 2025, were PLN 79.5 billion, up 9.7% from year-end 2024.
Institutional banking lending volume up 4% quarter-on-quarter, fourth consecutive quarter of growth.
Outlook and guidance
Loan and deposit growth expected to continue, supported by digitalization and AI tool implementation.
The Retail Business transfer to VeloBank is expected to complete in mid-2026, with a focus on institutional banking post-transaction.
Strategic priorities include financing energy sector transformation and sustainability projects.
Polish GDP growth forecasted at 3.3–3.5% for 2025, with inflation at 2.9% YoY and further interest rate cuts anticipated.
A new corporate income tax rate for banks is proposed to rise to 30% in 2026.
IB revenue decline vs. client revenue growth drivers?
Clarify Consumer Banking's role in IB-only strategy.
Implications of IB Stage 1 to Stage 2 reclassifications?
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Next Bank Handlowy w Warszawie earnings date
Q4 202512 Mar, 2026
Next Bank Handlowy w Warszawie earnings date
Q4 202512 Mar, 2026
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