Bank Handlowy w Warszawie Monthly Outlook (December 2025)

Bank Handlowy w Wars...

WSE:BHW

zł 106,00

zł0,00 (0,00%)

106,00 zł

zł0,00 (0,00%)

End-of-day quote: 12/26/2025

Bank Handlowy w Warszawie Stock Value

Currently, analysts rate WSE:BHW as Hold.

Hold

Bank Handlowy w Warszawie Company Info

EPS Growth 5Y

29,72%

Market Cap

zł13,83 B

Long-Term Debt

zł1,08 B

Annual earnings

02/11/2026

Dividend

zł6,88

Dividend Yield

6,49%

Founded

1870

Industry

Financials

Country

Poland

Website

Bank Handlowy w Warszawie

ISIN Number

PLBH00000012

Website

http://www.citibank.pl

Analyst Price Target

zł110,00

3.77%

Last Update: 12/29/2025

Analysts: 6

Highest Price Target zł128,00

Average Price Target zł110,00

Lowest Price Target zł102,00

In the last five quarters, Bank Handlowy w Warszawie’s Price Target has fallen from zł110,61 to zł107,80 - a -2,54% decrease. Two analysts predict that Bank Handlowy w Warszawie’s share price will increase in the coming year, reaching zł110,00. This would represent an increase of 3,77%.

Top growth stocks in the financials sector (5Y.)

What does Bank Handlowy w Warszawie do?

Bank Handlowy w Warszawie S.A., a commercial bank, provides a range of banking services for individuals and corporate clients. Business Segments The company operates primarily in two main business segments: Institutional Bank and Consumer Bank. Institutional Bank Segment Within the Institutional Bank segment, the company offers a wide array of financial products and services to business entities, local government units, and the public sector. Traditional banking services, including credit an...

Bank Handlowy w Warszawie S.A., a commercial bank, provides a range of banking services for individuals and corporate clients.

Business Segments

The company operates primarily in two main business segments: Institutional Bank and Consumer Bank.

Institutional Bank Segment

Within the Institutional Bank segment, the company offers a wide array of financial products and services to business entities, local government units, and the public sector. Traditional banking services, including credit and deposit activities, form the core of this segment. Additionally, it encompasses more specialized services such as:

Cash Management Services: Providing businesses with solutions to efficiently manage their liquidity and cash flow processes.

Trade Financing: Supporting businesses in their international trade activities through various financing options.

Leasing and Brokerage Services: Facilitating businesses in accessing equipment and financing mechanisms through leasing arrangements, as well as managing securities.

Custody Services: Offering secure storage and management of financial assets for clients.

Treasury Products: Engaging in the financial and commodity markets to ensure firms can manage risks associated with currency and interest rates.

Investment Banking Services: Including advisory services and underwriting for public and private financial instruments.

Consumer Bank Segment

In the Consumer Bank segment, the company provides a suite of financial services designed for individual customers, micro-enterprises, and individual entrepreneurs. It includes:

Bank Accounts: Offering various account types for personal saving and everyday transactions.

Loans: Providing cash loans, mortgage loans, and credit card services tailored to individual financial needs.

Investment Products: Assisting customers in managing their assets and investments through various financial instruments.

Insurance Products: Acting as agents in selling investment-linked and standalone insurance products, leveraging their broad market presence.

Business Strategy

The company emphasizes strong customer relationships and responsive service delivery as key components of its business strategy. The primary aim revolves around enhancing customer satisfaction by providing innovative banking solutions that align with evolving market dynamics.

To achieve its objectives, the company focuses on:

Customer Segmentation: Identifying and targeting different customer categories, such as affluent clients, consumer banking customers, and cardholders. This enables the company to tailor its offerings to suit the specific financial needs and preferences of each segment.

Digital Transformation: Implementing advanced technology solutions to streamline operations, enhance user experiences, and expand the digital footprint of banking services.

Competitive Positioning: Striving to maintain a leading role in the affluent banking segment through specialized products and proactive client acquisition strategies.

Sustainable Growth: Pursuing organic growth through existing clientele while simultaneously exploring opportunities for strategic partnerships and collaborations that can amplify its market presence.

Regulatory Compliance: Adapting to changing regulatory environments to ensure ongoing compliance with banking laws and guidelines, thereby mitigating risks associated with financial operations.

Products and Services

The company offers a comprehensive suite of products and services designed to cater to a diverse clientele, ranging from individuals to large corporate entities.

Retail Banking Services

Bank Accounts: Various types of savings and current accounts tailored for individual customers.

Loans: Offering a variety of loans, including personal loans, home loans, and credit facilities.

Credit and Debit Cards: Providing a range of credit and debit card options that come with unique benefits and incentives.

Insurance Products: Facilitating access to insurance solutions that complement the financial products offered.

Corporate Banking Services

Commercial Lending: Providing tailored lending solutions for businesses to support their operational needs.

Trade and Cash Management: Offering specialized services that help businesses manage their cash flows and engage in international trade.

Investment Banking Services: Enabling businesses to access capital markets and providing advisory services for mergers, acquisitions, and capital projects.

Leasing and Brokerage Services: Assisting companies in acquiring assets and managing investments efficiently.

Wealth Management Services

Investment Advisory: Offering professional financial advice and portfolio management services tailored to meet the investment goals of affluent individuals.

Market Access: Facilitating investments in domestic and international markets, ensuring clients have access to diverse financial instruments.

Through its extensive range of products and services, the company is well-positioned to meet the varied financial needs of both individual and corporate clients.

Geographical Markets Served

The company focuses its operations exclusively within the territory of Poland, making it an integral part of the local banking landscape.

Seasonality

The company experiences certain seasonal trends in its financial operations primarily influenced by macroeconomic conditions and consumer behavior. Typically, demand for personal banking services tends to spike toward the end of the fiscal year, coinciding with bonuses and increased consumer spending during holiday seasons.

Customers

The company's customer base is diverse, encompassing individuals, micro-enterprises, and corporate entities. It serves hundreds of thousands of individual customers across various banking products, with a notable presence in the affluent customer segment through its specialized offerings for high-net-worth individuals.

Sales and Marketing

The company employs multiple marketing and distribution channels to reach its diverse clientele. Direct marketing, partnerships, and digital platforms are critical for promoting its products and services. Its approach also includes engaging in community-based initiatives and leveraging customer testimonials to enhance brand recognition and trust.

History

Bank Handlowy w Warszawie S.A. was founded in 1870.

Bank Handlowy w Warszawie Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Banking Sector Revenue Share: approx. 70% Investment Banking Revenue Share: approx. 20% Asset Management Revenue Share: approx. 10% TOP 3 Markets: Poland: approx. 85% Germany: approx. 7% Czech Republic: approx. 5% Bank Handlowy w Warszawie S.A. generates the majority of its revenue in the ba...

At which locations are the company’s products manufactured?

Bank Handlowy w Warszawie S.A. (WSE:BHW) is a bank and not a manufacturing company. Bank Handlowy w Warszawie S.A., also known as Citi Handlowy, is one of the leading banks in Poland and offers a variety of financial services including retail and corporate banking, investment banking, and asset mana...

What strategy does Bank Handlowy w Warszawie pursue for future growth?

Return on capital: 9.5% (2024) Return on equity: 12.3% (2024) Bank Handlowy w Warszawie S.A. pursues a strategy focused on digital transformation and customer centricity. The company heavily invests in digital technologies to enhance its services and optimize the customer experience. This includes t...

Which raw materials are imported and from which countries?

Imported raw materials/materials: No specific raw materials Countries of origin: Not applicable Bank Handlowy w Warszawie S.A. is a financial institution and not a manufacturing or processing industry. As such, the bank does not import raw materials or materials. Instead, the bank focuses on financi...

How strong is the company’s competitive advantage?

Return on Equity (ROE): 12.5% (2024) Market share in the Polish banking sector: approximately 4% (2024) Cost efficiency ratio: 48% (2024) Bank Handlowy w Warszawie S.A. has a solid competitive advantage in the Polish banking sector, which is manifested by several factors. The return on equity of 12....

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: Approx. 70% (estimate based on 2023 data) Insider Buys/Sells: No significant transactions in the last 12 months (estimate based on 2023 data) The institutional investor share at Bank Handlowy w Warszawie S.A. is traditionally high, indicating the trust of large investor...

What percentage market share does Bank Handlowy w Warszawie have?

Market share of Bank Handlowy w Warszawie S.A.: Estimate 3-4% (2025) Main competitors and their market shares: PKO Bank Polski S.A.: Estimate 20-25% Pekao S.A.: Estimate 15-20% Santander Bank Polska S.A.: Estimate 10-15% mBank S.A.: Estimate 8-10% ING Bank Śląski S.A.: Estimate 7-9% Bank Millennium...

Is Bank Handlowy w Warszawie stock currently a good investment?

Return on Equity (ROE): 12.5% (2024) Return on Assets (ROA): 1.8% (2024) Net Interest Margin: 3.2% (2024) Bank Handlowy w Warszawie S.A. demonstrates solid financial performance with a Return on Equity of 12.5%, indicating efficient use of equity capital. The Return on Assets of 1.8% suggests that t...

Does Bank Handlowy w Warszawie pay a dividend – and how reliable is the payout?

Dividend yield: 6.5% (2024) Payout ratio: 75% (2024) Bank Handlowy w Warszawie S.A. has a solid dividend history and is known for its reliable payouts. In 2024, the dividend yield was 6.5%, which is attractive compared to other banks in the Polish market. The 75% payout ratio indicates that a sign...

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Bank Handlowy w Warszawie Stock Value

Bank Handlowy w Warszawie Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Bank Handlowy w Warszawie do?

Bank Handlowy w Warszawie Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal