Bank Handlowy W Warszawie S.a. · GPW:BHW

Bank Handlowy W Warszawie — Q2 2026 Earnings Presentation

23 slides from Bank Handlowy W Warszawie's earnings presentation, Aug 27, 2026

  1. Slide 1: 2Q'26 earnings conference

    Bank Handlowy w Warszawie S.A. 2Q’26 earning conference August 27th, 2026

  2. Slide 2: 2Q'26 Financial results summary

    2Q’26 | Financial results summary 2Q’26 Financial results Balance sheet dynamics YoY Capital ratio (corporate banking , financial markets and discontinued operations) (corporate banking and financial markets Revenue Net profit ROE Loans Deposits TCR PLN 878 MM PLN 321 MM 21.0% +16% +12% 25.8% Full f

  3. Slide 3: Corporate Banking and Financial Markets | Operating segments

    Corporate Banking and Financial Markets | Operating segments New operating segments Competitive advantages Corporate Banking Financial Markets (Services and Banking) (Markets) Globality Transaction Services and Client activity: 24 41% Custody: liquidity FX, risk management, capital management, payme

  4. Slide 4: Corporate Banking and Financial Markets | Business volumes

    Corporate Banking and Financial Markets | Business volumes Loan volumes (PLN MM) excluding reverse-repo transactions and collateral deposits Products | Key 2Q’26 dynamics +2% Banking sector +3% +16% 16 110 Banking sector +10% 16 356 17 545 17 945 Financial ↑17% YoY – FX transaction volumes 15 460 Dy

  5. Slide 5: Corporate Banking and Financial Markets | Business activity

    Corporate Banking and Financial Markets | Business activity 2026 Adam Smith Award – Best Funding Solution Syndicated Loan Bond issue Accelerated offering Agreement arranging of shares Euromoney Awards Poland's Best PLN 2.2 B Excellence 2026 Investment PLN 1.25 B PLN 6.1 B Bank for M&A Mandated Lead

  6. Slide 6: Global Community Day 2026

    Global Community Day 2026 Support for Over 1,830 117 24,000 Citi volunteers organizations in Poland beneficiaries 6

  7. Slide 7: Consolidated financial results

    Consolidated financial results 7

  8. Slide 8: Total Revenue | Corporate Banking and Financial Markets

    Total Revenue | Corporate Banking and Financial Markets Total Revenue (PLN MM) Segment Revenues (%) management view Strong business volume dynamics in Corporate Banking segment, driven by utilization of Bank’s High 2Q’26 revenues in Corporate Banking segment, as a result of transactions competitive

  9. Slide 9: Net interest income | Corporate Banking and Financial Markets

    Net interest income | Corporate Banking and Financial Markets Net interest income (PLN MM) Net interest margin Net interest margin* – Bank vs. Banking Sector Growing loan volumes supporting clients’ interest income 4,41% Bank 4,15% 3,95% (13%) 3,64% 3,58% Banking sector (3%) 547 3,23% 3,21% 3,11% 53

  10. Slide 10: Net fee and commission income | Corporate Banking and Financial Markets

    Net fee and commission income | Corporate Banking and Financial Markets Net fee & commission income (PLN MM) +11% +10% Brokerage 119 +30% +58% Volume of capital 111 107 5 QoQ YoY +16% market transactions 107 4 3 4 14 YoY 9 Relationship Banking 20 13 +50% +12% 34 QoQ YoY 30 25 30 Custody +13% +12% Qo

  11. Slide 11: Financial Markets | Markets

    Financial Markets | Markets Treasury result (PLN MM) Balance sheet structure (%) (30%) +18% (53%) 851 722 577 100% 100% 100% 100% 100% Operations with Central Bank and Amounts due 179 1H 2025 1H 2026 23% 20% 22% 18% from banks 390 29% 332 Debt investment 273 68% 67% 67% 184 202 Net interest income 4

  12. Slide 12: Expenses | Corporate Banking and Financial Markets

    Expenses | Corporate Banking and Financial Markets Operating expenses (PLN MM) 1H’26 Expenses by type (PLN MM) Maintained high cost efficiency of the Bank Technological investments growth translated into growing business volumes (Citi FX Pulse –FX volumes growth by 12% YoY in 1H 2026) +24% (37%) 0 0

  13. Slide 13: Cost of Risk | Corporate Banking and Financial Markets

    Cost of Risk | Corporate Banking and Financial Markets Cost of Risk Risk ratios Cost of risk impacted by one-off events. All regulatory requirements related to loan portfolio quality are fulfilled Cost of risk in bps.* 47 Normalized cost of risk Excluding impact 18 18 19 of one-off events 12 14 14 8

  14. Slide 14: Summary of the Capital Group financial results

    Summary of the Capital Group financial results 2Q26 1Q26 QoQ 2Q25 YoY I poł. 2026 I poł. 2025 YoY Institutional Bank: Net interest income 459 471 (2.5%) 530 (13.3%) 931 1,078 (13.6%) Net fee and commission income 119 107 10.4% 107 11.3% 226 217 4.0% Core revenues 578 579 (0.1%) 637 (9.2%) 1,157 1

  15. Slide 15: Appendix

    Appendix citi handlowy

  16. Slide 16: Citi Handlowy – change in share price

    Citi Handlowy – change in share price Change in Bank’s share price vs. WIG-Banks index BHW’s share valuation vs. other banks* Change in share price 180,00 performance (1 year perspective): 600 000 P/E 14 Citi Handlowy +22% 12 PL banks* 160,00 WIG-Banki +37% 10 11.8 WIG-Banks 500 000 Citi 8 140,00 PL

  17. Slide 17: Forecasts for Polish economy

    Forecasts for Polish economy GDP of Poland (%, YoY) • Inflation is likely to increase significantly in the coming months, perhaps reaching levels above 3.5% YoY by the end of the year. • An interest rate cut following the dovish tone of the July meeting is unlikely, given the renewed pressure from o

  18. Slide 18: Capital Group – profit and loss account

    Capital Group – profit and loss account 2Q26 vs.1Q26 2Q26 vs.2Q25 1H2026 vs. 1H2025 2Q25 3Q25 4Q25 1Q26 2Q26 1H2025 1H2026 PLN MM PLN MM % PLN MM % PLN MM CONTINUED OPERATIONS Net interest income 530 516 511 471 459 (12) (3%) (71) (13%) 1 078 931 (147) (14%) Net fee and commission income 107 106 108

  19. Slide 19: Corporate Banking - profit and loss account

    Corporate Banking - profit and loss account 1H2026 vs 2Q26 vs. 1Q26 2Q26 vs 2Q25 1H2025 1Q25 2Q25 1Q26 2Q26 1H2025 1H 2026 PLN PLN MM PLN MM % PLN MM % % MM Net interest income 338 346 293 297 5 2% (48) (14%) 683 590 (93) (14%) Net fee and commission income 107 105 104 115 11 11% 10 9% 213 219 6 3%

  20. Slide 20: Financial Markets - profit and loss account

    Financial Markets - profit and loss account 2Q26 vs.1Q26 2Q26 vs.2Q25 1H2026 vs. 1H2025 1Q25 2Q25 1Q26 2Q26 1H2025 1H2026 PLN MM PLN MM % PLN MM % PLN MM % Net interest income 210 184 178 162 (16) (9%) (22) (12%) 394 340 (54) (14%) Net fee and commission income 3 1 4 4 0 0% 2 145% 5 7 3 55% Dividend

  21. Slide 21: Balance sheet - assets

    Balance sheet - assets Jun.26 vs. Mar.26 Jun.26 vs. Jun.25 Jun. Sep. Dec. Mar. Jun. PLN B % PLN B % PLN B 2025 2025 2025 2026 2026 Cash and cash equivalents 11.0 8.2 9.2 13.7 2.8 (6.4) (69%) (8.2) (74%) Amounts due from banks 8.7 7.3 8.2 11.6 10.4 2.2 27% 1.8 20% Financial assets held-for-trading 5.

  22. Slide 22: Bilans – zobowiązania i kapitały własne

    Bilans – zobowiązania i kapitały własne Jun.26 vs. Mar.26 Jun.26 vs. Jun.25 Jun. Sep. Dec. Mar. Jun. PLN B % PLN B % PLN B 2025 2025 2025 2026 2026 Liabilities due to banks 4.5 3.3 3.9 5.2 9.5 5.6 142% 4.9 109% Financial liabilities held-for-trading 3.1 2.7 2.7 2.8 2.9 0.2 9% (0.2) (5%) Financial li

  23. Slide 23: Contact

    Contact: Investor Relations: relacjeinwestorskie@citi.com Adam Piotrak Head of Investor Relations Bureau adam.piotrak@citi.com Monika Paczuska Investors Relations Analysts monika.paczuska@citi.com

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