Bank Handlowy w Warszawie Balance Sheet Health
Financial Health criteria checks 4/6
Bank Handlowy w Warszawie has total assets of PLN72.4B and total equity of PLN9.8B. Total deposits are PLN53.9B, and total loans are PLN21.9B earning a Net Interest Margin of 5%. It has insufficient allowance for bad loans, which are currently at 2.6% of total loans. Cash and short-term investments are PLN8.0B.
Key information
7.4x
Asset to equity ratio
5.0%
Net interest margin
| Total deposits | zł53.93b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.6% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | zł7.98b |
Recent financial health updates
No updates
Recent updates
We Think Shareholders Will Probably Be Generous With Bank Handlowy w Warszawie S.A.'s (WSE:BHW) CEO Compensation
Jun 12
If EPS Growth Is Important To You, Bank Handlowy w Warszawie (WSE:BHW) Presents An Opportunity
Jan 18If EPS Growth Is Important To You, Bank Handlowy w Warszawie (WSE:BHW) Presents An Opportunity
Sep 01We Ran A Stock Scan For Earnings Growth And Bank Handlowy w Warszawie (WSE:BHW) Passed With Ease
May 14Is Now The Time To Put Bank Handlowy w Warszawie (WSE:BHW) On Your Watchlist?
Jan 26Analysts Just Shipped A Substantial Upgrade To Their Bank Handlowy w Warszawie S.A. (WSE:BHW) Estimates
Dec 03We Ran A Stock Scan For Earnings Growth And Bank Handlowy w Warszawie (WSE:BHW) Passed With Ease
Oct 18Bank Handlowy w Warszawie (WSE:BHW) Ticks All The Boxes When It Comes To Earnings Growth
Jun 25Broker Revenue Forecasts For Bank Handlowy w Warszawie S.A. (WSE:BHW) Are Surging Higher
Jun 02Industry Analysts Just Upgraded Their Bank Handlowy w Warszawie S.A. (WSE:BHW) Revenue Forecasts By 12%
Apr 20Bank Handlowy w Warszawie's (WSE:BHW) Shareholders Are Down 56% On Their Shares
Dec 21Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BHW's Assets to Equity ratio (7.4x) is low.
Allowance for Bad Loans: BHW has a low allowance for bad loans (92%).
Low Risk Liabilities: 86% of BHW's liabilities are made up of primarily low risk sources of funding.
Loan Level: BHW has an appropriate level of Loans to Assets ratio (30%).
Low Risk Deposits: BHW's Loans to Deposits ratio (41%) is appropriate.
Level of Bad Loans: BHW has a high level of bad loans (2.6%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/31 09:34 |
| End of Day Share Price | 2025/01/31 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Bank Handlowy w Warszawie S.A. is covered by 25 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Kamil Kliszcz | Biuro maklerskie mBanku |
| Maciej Szczesny | BofA Global Research |
| Maxence Patrick Le Gouvello du Timat | CA Cheuvreux |