0.62%
10.11%
8.29%
5.38%
-7.72%
45.19%
75.00%
AI Spotlight on BHW
Company Description
Bank Handlowy w Warszawie S.A. provides a range of banking services for individual and corporate clients in Poland and internationally.The company operates through two segments, Institutional Bank and Consumer Bank.The Institutional Bank segment offers traditional banking services, including credit and deposit activities; cash management, trade financing, leasing, brokerage, and custody services in securities; treasury products on financial and commodity markets; investment banking services on the local and international capital markets, including advisory services, obtaining, and underwriting financing via public and non-public issues of financial instruments; and proprietary transactions in the equity, debt, and derivative instruments markets to business entities, local government units, and the public sector.
The Consumer Bank segment provides bank accounts, credit, deposits, cash loans, mortgage loans, credit cards, and asset management services, as well as acts as an agent in the sale of investment and insurance products to individuals, micro-enterprises, and individual entrepreneurs.The company was founded in 1870 and is headquartered in Warsaw, Poland.Bank Handlowy w Warszawie S.A. operates as a subsidiary of Overseas Investment Corporation.
Market Data
| Last Price | 98 |
| Change Percentage | 0.62% |
| Open | 97.6 |
| Previous Close | 97.4 |
| Market Cap ( Millions) | 12786 |
| Volume | 44069 |
| Year High | 119.6 |
| Year Low | 85 |
| M A 50 | 90.85 |
| M A 200 | 96.24 |
Financial Ratios
| FCF Yield | 18.74% |
| Dividend Yield | 11.38% |
| ROE | 18.86% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -2894.15% |
| Price To Book | 1.31 |
| Price Earnings Ratio | 6.94 |
| Price To FCF | 5.34 |
| Price To sales | 2.59 |
| EV / EBITDA | -7.67 |
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Institutional Banking
Expected Growth : 8.3 %
What the company do ?
Institutional Banking from Bank Handlowy w Warszawie S.A. provides customized financial solutions to corporate clients, governments, and financial institutions in Poland and globally.
Why we expect these perspectives ?
Institutional Banking at Bank Handlowy w Warszawie S.A. achieved 8.3% growth driven by increasing demand for cash management and trade finance services from large corporations, expansion into new markets, and strategic partnerships with key clients. Additionally, the bank's investment in digital platforms and process automation enhanced operational efficiency, further contributing to growth.
Segment n°2 -> Retail Banking
Expected Growth : 6.47 %
What the company do ?
Retail Banking from Bank Handlowy w Warszawie S.A. offers personal banking services, including accounts, credit cards, loans, and investment products to individual customers in Poland.
Why we expect these perspectives ?
The 6.47% growth in Retail Banking from Bank Handlowy w Warszawie S.A. is driven by increasing demand for digital banking services, expansion of branch network, and strategic partnerships. Additionally, the bank's focus on customer experience, competitive pricing, and innovative product offerings have contributed to the growth. Furthermore, the Polish economy's stable growth and low unemployment rate have also supported the segment's expansion.
Bank Handlowy W Warszawie S.A. Products
| Product Range | What is it ? |
|---|---|
| Corporate Banking | Bank Handlowy w Warszawie S.A. offers a range of corporate banking services, including cash management, trade finance, and risk management solutions, to support the financial needs of large corporations and institutions. |
| Transaction Banking | The bank provides transaction banking services, including payment processing, account services, and trade finance, to facilitate efficient and secure financial transactions for its clients. |
| Investment Banking | Bank Handlowy w Warszawie S.A. offers investment banking services, including mergers and acquisitions advisory, equity and debt capital markets, and leveraged finance, to support clients' strategic growth initiatives. |
| Private Banking | The bank provides private banking services, including wealth management, investment advice, and tailored financial solutions, to high net worth individuals and families. |
| Retail Banking | Bank Handlowy w Warszawie S.A. offers a range of retail banking services, including personal loans, credit cards, and deposit accounts, to individual customers. |
| Treasury Services | The bank provides treasury services, including foreign exchange, interest rate, and commodity risk management, to help clients manage their financial risks. |
Bank Handlowy w Warszawie S.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Bank Handlowy w Warszawie S.A. is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers is high due to the high level of competition in the banking industry, giving customers the power to choose from a range of financial institutions.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the bank's strong financial position and ability to negotiate with suppliers.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high due to the high level of competition in the banking industry, with many established players competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 25.76% |
| Debt Cost | 7.56% |
| Equity Weight | 74.24% |
| Equity Cost | 7.56% |
| WACC | 7.56% |
| Leverage | 34.70% |
Bank Handlowy w Warszawie S.A. : Quality Control
Bank Handlowy w Warszawie S.A. passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| PKO.WA | Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides banking services in Poland, Ukraine, Sweden, the Czech Republic, Ireland, and Germany. Its Retail segment offers current and savings accounts, term deposits, … |
| RBI.VI | Raiffeisen Bank International AG, together with its subsidiaries, engages in the provision of corporate, retail, and investment banking services. The company offers cross border accounts, cash management, electronic banking, payments … |
| SPL.WA | Santander Bank Polska S.A., together with its subsidiaries, provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. It offers personal account, … |
| SRBNK.OL | SpareBank 1 SR-Bank ASA, together with its subsidiaries, provides various financial products and services for personal and corporate customers in Southern and Western Norway. The company offers its products and … |
| BAMI.MI | Banco BPM S.p.A., together with its subsidiaries, provides banking and financial products and services to individual, business, and corporate customers in Italy. The company operates through Retail, Corporate, Institutional, Private, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SpareBank 1 SR-Bank
A-Score
1-Year Total Return ->
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Bank Handlowy
A-Score
1-Year Total Return ->
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Banco BPM
A-Score
1-Year Total Return ->
4
PKO Bank Polski
A-Score
1-Year Total Return ->
5
Santander Bank Polska
A-Score
1-Year Total Return ->
6
