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Investor Relations14 Oct 2025
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Bank Handlowy w Warszawie (BHW) investor relations material
Bank Handlowy w Warszawie Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Aug, 2025
Executive summary
Signed agreement to sell consumer/retail banking business, with transfer planned for mid-2026, and a strategic shift to focus on institutional banking as the core business.
Consumer/retail banking classified as discontinued operations under IFRS 5, with financials split between continued (institutional) and discontinued (consumer/retail) operations.
Net profit for Q2 2025 was PLN 166 million, down 58% year-over-year, but excluding the one-off loss from the consumer/retail banking sale, net profit was PLN 546 million, up 26% quarter on quarter.
Net profit for H1 2025 was 600.5 million PLN, down from 848.2 million PLN in H1 2024, mainly due to a 273.6 million PLN loss from discontinued operations related to the retail banking sale.
Announced and paid out one of the highest dividends in bank history from 2024 profits, with additional payout from 2019 profits approved.
Financial highlights
Net profit excluding transaction loss reached PLN 546 million, up 26% quarter on quarter; reported net profit after transaction loss was PLN 166 million.
Q2 2025 revenue reached PLN 1,108 million, with institutional banking revenue up 7% quarter on quarter.
Net interest income for H1 2025 was 1,077.6 million PLN, slightly down from 1,102.0 million PLN in H1 2024.
Lending grew 14% and deposits 19% year over year; institutional banking loan volumes up 7% quarter on quarter.
Operating expenses increased 11% year over year to PLN 393 million, mainly due to higher legal, advisory, and regulatory costs.
Outlook and guidance
On track to complete consumer/retail banking sale by mid-2026, pending regulatory approvals.
Continued focus on institutional banking growth and market leadership in custody services.
Economic forecasts anticipate Polish GDP growth of 3.7% in 2025, with gradual interest rate cuts expected.
Explain 380.8M PLN Q2 2025 retail sale loss
Key drivers of H1 2025 LCR decline
Impact of CRR3 on capital requirements
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Next Bank Handlowy w Warszawie earnings date
Q3 202513 Nov, 2025
Next Bank Handlowy w Warszawie earnings date
Q3 202513 Nov, 2025
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