Results Snapshot
YoYQoQ
Figures in Million
Standalone Quarterly Results
Dec'04
Sep'04
Jun'04
Mar'04
Sep'03
Jun'03
Mar'03
Interest Earned
442.16
449.44
401.50
359.05
331.84
346.19
367.71
Income On Investments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest On Balances With Rbi Other Inter Bank Funds
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest / Discount On Advances / Bills
442.16
449.44
401.50
359.05
331.84
346.19
367.71
Others
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Income
346.98
286.40
309.31
332.71
366.60
319.79
300.29
Total Income
789.14
735.84
710.81
691.76
698.43
665.98
668.00
Interest Expended
214.47
198.61
171.70
164.02
141.44
162.33
185.13
Net Interest Income
227.69
250.82
229.80
195.03
190.40
183.86
182.58
Total Expenditure (Excl Depreciation)
434.49
406.30
345.81
441.24
354.84
373.84
327.84
Employee Cost
337.10
323.47
265.96
359.65
266.97
291.98
258.04
Other Operating Expenses
97.39
82.83
79.85
81.59
87.87
81.86
69.80
Operating Profit Before Provisions and Contingencies
140.18
130.92
193.30
86.50
202.16
129.81
155.03
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
13.75
-3.67
1.60
-3.00
33.06
16.31
115.73
Profit Before Tax
126.44
134.59
191.70
89.51
169.10
113.49
39.30
Tax
32.14
37.57
32.28
24.11
40.54
33.48
22.84
Profit After Tax
94.30
97.02
159.42
65.40
128.56
80.01
16.46
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
94.30
97.02
159.42
65.40
128.56
80.01
16.46
Face Value
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Reserves
5,632.91
5,479.50
5,312.56
5,505.35
5,383.50
5,289.66
5,459.73
Earnings per share (EPS)
0.72
0.74
1.22
0.5
0.98
0.61
0.13
Diluted Earnings per share
0.72
0.74
1.22
0.5
0.98
0.61
0.13
Operating Profit Margin (Excl OI)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Gross Profit Margin
28.6%
29.95%
47.75%
24.93%
50.96%
32.78%
10.69%
PAT Margin
21.33%
21.59%
39.71%
18.21%
38.74%
23.11%
4.48%
Net Interest Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
19.56%
19.76%
0.0%
0.0%
17.62%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Amount of Net NPAs
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% of Net NPAs
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
% of Gross NPAs
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Number of Branches
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Quarterly Analysis Highlights - QoQ
Interest Earned
QoQ Growth in quarter ended Dec 2004 is -1.6% vs 11.93% in Sep 2004
Net Profit
QoQ Growth in quarter ended Dec 2004 is -2.78% vs -39.15% in Sep 2004
Operating Profit (PBDIT)
QoQ Growth in quarter ended Dec 2004 is 7.10% vs -32.28% in Sep 2004
% of Net NPAs
QoQ Growth in quarter ended Dec 2004 is 0.00% vs 0.00% in Sep 2004
% of Gross NPAs
QoQ Growth in quarter ended Dec 2004 is 0.00% vs 0.00% in Sep 2004
Compare Quarterly Results Of Bank Handlowy w Warszawie SA With
Figures in Million
Consolidate Quarterly Results
Change(PLN)
Change(%)
Interest Earned
0
0
0.00
Income On Investments
0
0
0.00
Interest On Balances With Rbi Other Inter Bank Funds
0
0
0.00
Interest / Discount On Advances / Bills
0
0
0.00
Others
0
0
0.00
Other Income
0
0
0.00
Total Income
0
0
0.00
Interest Expended
0
0
0.00
Net Interest Income
0
0
0.00
Total Expenditure (Excl Depreciation)
0
0
0.00
Employee Cost
0
0
0.00
Other Operating Expenses
0
0
0.00
Operating Profit Before Provisions and Contingencies
0
0
0.00
Exceptional Items
0
0
0.00
Provisions and contingencies
0
0
0.00
Profit Before Tax
0
0
0.00
Tax
0
0
0.00
Profit After Tax
0
0
0.00
Extraordinary Items
0
0
0.00
Prior Period Expenses
0
0
0.00
Other Adjustments
0
0
0.00
Net Profit
0
0
0.00
Face Value
0
0
0.00
Reserves
0
0
0.00
Earnings per share (EPS)
0
0
0.00
Diluted Earnings per share
0
0
0.00
Operating Profit Margin (Excl OI)
0%
0%
0.00
0.00%
Gross Profit Margin
0%
0%
0.00
0.00%
PAT Margin
0%
0%
0.00
0.00%
Net Interest Margin
0%
0%
0.00
0.00%
Return on Assets
0%
0%
0.00
0.00%
CASA (%)
0%
0%
0.00
0.00%
CASA Amount
0
0
0.00
Capital Adequacy Ratio (Total)
0%
0%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0%
0%
0.00
0.00%
Provision Coverage Ratio (%)
0%
0%
0.00
0.00%
Amount of Gross NPAs
0
0
0.00
Amount of Net NPAs
0
0
0.00
% of Net NPAs
0%
0%
0.00
0.00%
% of Gross NPAs
0%
0%
0.00
0.00%
Public Share Holdings (%)
0%
0%
0.00
0.00%
Pledged Promotor Holding (%)
0%
0%
0.00
0.00%
Pledged Capital (%)
0%
0%
0.00
0.00%
Number of ATMs
0
0
0.00
Number of Branches
0
0
0.00
Quarterly - Interest Earned
Interest Earned 44.22 Million
in Dec 2004Figures in Million
QoQ Growth in quarter ended Dec 2004 is -1.6% vs 11.93% in Sep 2004
Quarterly - Net Profit
Net Profit 9.43 Million
in Dec 2004Figures in Million
QoQ Growth in quarter ended Dec 2004 is -2.78% vs -39.15% in Sep 2004
Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 14.02 Million
in Dec 2004Figures in Million
QoQ Growth in quarter ended Dec 2004 is 7.10% vs -32.28% in Sep 2004
Quarterly - % of Net NPAs
No % of Net NPAs in the last few periods
Quarterly - % of Gross NPAs
No % of Gross NPAs in the last few periods






