BANK HANDLOWY W WARSZAWIE S.A.
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1 BANK HANDLOWY W WARSZAWIE S.A. 3Q 2012 consolidated financial results November 6, 2012
2 Corporate Banking Retail Banking Summary of 3Q 2012 Efficiency Business development Quality ROE SME customer acquisition 15.6% 19.6% 21.0% 12.3% nd place of Citi Handlowy in the Quality for sure ["Jakość na Bank"] ranking (TNS Polska) ROE ROTE ROE at CAR=12% Bank 2.3% ROA 1.2% Sector 9M Target Number of Gold & Gold Select customers +23% +3% 3rd place of Citi Handlowy in the Newsweek s Friendly Bank ["Przyjazny Bank Newsweek a"] (2011 4th place, th place) NPS results and customer satisfaction level NPS Gold (after meeting with an advisor) 48% 48% 50% NPS Branches (after a visit to the branch) 44% 45% 43% Bank Sector 30% Cost / Income Market shares 49.9% 50.7% Credit cards FX volumes Custody Brokerage 23% 28% 45% 13% # 1 on the market NPS CitiService 73% 62% 66% 30% Satisfaction with cooperation with RM 75% 81% 83% Bank Sector 3Q 20112Q 20123Q 2012 Data for 3Q 2012; data for the sector based on NBP data 2 Market share in terms of: transaction volumes on credit cards as of 2Q 2012, share in FX volumes according to Euromoney magazine, assets under custody, equity turnover of DMBH on the WSE.
3 Another quarter of solid net profit 183 Net profit quarterly (PLN MM) +38% +9% Net profit annually (PLN MM) +41% Q Q Q Q Q M M 2012 ROE / ROTE 15.6% / 19.6% 0.8 p.p. / 0.9 p.p. QoQ ROA 2.3% 0.2 p.p. QoQ Cost/Income 50% 4.4 p.p. QoQ Loans/Deposits 81% 4.0 p.p. QoQ CAR 17.6% 0.7 p.p. QoQ 3
4 Improvement in all income statement lines Revenues (PLN MM) % % 674 1, % 2, % 1,774 1,865 Gains on sale of AFS debt securities The quarterly increase in the area of treasury, customer loans, and credit cards The increase in revenue on YTD basis due to gains on sale of AFS debt securities and higher net interest income 9M M 2012 Expenses (PLN MM) -6% (359) (363) -7% (337) (1,074) (1,115) +4% (42) (1,073) Restructuring provision A significant decrease in expenses in 3Q 2012 as a result of the branch network optimization and employment restructuring Constant level of expenses in YTD terms, excluding the impact of restructuring provision 9M M 2012 Net impairment losses (PLN MM) (16) +35% +11% (20) (22) (74) -23% (57) Risk costs maintained at a low level despite a slight increase in net impairment losses on a quarterly basis A significant decrease in net impairment losses in annual terms due to improvement in Retail Banking 9M M
5 /PLN MM/ Net profit 3Q 2012 vs. 2Q % Total revenue: +5.7 PLN MM/ +1% Q 2012 Net interest income Net fee & commission income Treasury result Other net revenues Expenses Net impairement losses Tax 3Q 2012 Net interest income 0.4% QoQ Net fee and commission income 0.4% QoQ Treasury result 8% QoQ Expenses and depreciation 7% QoQ Net impairment losses 11% QoQ 5
6 /PLN MM/ Net profit 3Q 2012 vs. 3Q % Total revenue: PLN MM/ +11% Q 2011 Net interest income Net fee & commission income Treasury result Other net revenues Expenses Net impairment losses Tax 3Q 2012 Net interest income 4% YoY Net fee and commission income 3% YoY Treasury result 60% YoY Expenses and depreciation 6% YoY Net impairment losses 35% YoY 6
7 Net interest income Net interest income (PLN MM) +4% +0.4% Citi Handlowy Net interest margin (NIM) Bank vs. sector 4.4% 4.5% 4.0% 3.7% 3.8% 3.2% Sector 2.8% 2.8% 2.8% +1% Corporate Banking 47% 3Q Q Q Q Q 2012 NIM on total assets NIM on interest-bearing assets The structure of net interest income 0% Retail Banking 53% Financial accounting approach (IFRS) Net interest income on debt securities 51% Interest rate risk management and net interest income on debt securities Management accounting approach 29% 5% QoQ 4% QoQ 49% Customer result 71% 7 Debt securities Customer result Net interest income excluding income from debt securities
8 Balance sheet structure and dynamics Assets (PLN B) Liabilities (PLN B) Other 1 Cash and balances with NBP Due from banks Assets held for trading Other 2 Financial liabilities held-for-trading Due to banks AFS debt securities portfolio Customer term deposits Customer receivables % +7% 1 Customer demand deposits Equity % % Lending growth of 7% QoQ and 15% YoY mainly due to the corporate segment Decrease in the share of AFS debt securities portfolio in total assets to 24% (compared to 37% in 2Q 2012) 1 2 Increase in demand deposits Increase in equity further strengthening of capital base after retaining 50% of 2011 profit 1 Including capital investments, tangible fixed assets, intangible assets, income tax assets, fixed assets held-for-sale and other assets 2 Including liabilities due to debt securities issuance, interest on customer deposits, liabilities towards customers other than deposits, provisions, income tax liabilities and other liabilities 8
9 /PLN MM/ /PLN MM/ Another quarter of growth in loan volumes 7,909 Institutional customers loans in non-financial sector +19% Sector: +8% 8,814 +7% Sector: +1% 9,398 34% SMEs & MMEs (+2% QoQ; +12% YoY) A further increase of loan volumes in 3Q 2012 (+7% YoY vs. +1% in sector) 39% 21% Global Clients (+8% QoQ; +6% YoY) Corporate Clients (+28% QoQ; +55% YoY) A double-digit annual growth of total loans volume (+19% YoY vs. +8% in sector) +3% Sector: +0.2% +1% Sector: -1% 5,106 5,176 5,239 Retail customers loans 16% 41% Mortgage loans (+14% QoQ; +67% YoY) Cash loans (-1% QoQ; -5% YoY) The second consecutive quarter of growth in retail loans (+1% QoQ vs. 1% decrease in sector) 41% Credit cards (-0.4% QoQ; -4% YoY) Maintained double-digit growth of mortgage loans (+14% QoQ) 9
10 /PLN MM/ /PLN MM/ Deposits focus on operating accounts Institutional customers deposits in non-financial sector -3% Sector: -3% -1% Sector: -3% 12,352 12,119 12,040 6,533 5,819-18% 4,752 Term deposits (-27% YoY) Decline in term deposits with demand deposits growing in 3Q ,819 6, % 7,288 Demand deposits (+25%YoY) Total deposits volume nearly unchanged in annual terms 5,692 3,618 +7% Sector: +10% 6,113 6,080 3,721-1% 3,669 2,074 2,392 +1% 2,411 Retail customers deposits -1% Sector: +1% Term deposits (+1% YoY) Demand deposits (+16% YoY) Stable growth in retail deposits (+1% QoQ, +7% YoY) Another quarter of demand deposits increase the effect of consistent focus on operating accounts 10 Retail demand deposits do not include deposits held on saving accounts
11 /PLN MM/ Net fee and commission income maintained at a stable level -3% Corporate Banking -10% QoQ and -18% YoY % Payment orders & cash management -4% QoQ -9% YoY 52% Other -53% QoQ +58% YoY 3% Brokerage -23% QoQ 9% -60% YoY -10% Corporate Banking 39% 36% Custody -7% QoQ -13% YoY Retail Banking +8% QoQ and +11% YoY +8% Retail Banking 61% Investment & insurance products +0.4% QoQ -3% YoY 35% 57% Credit cards +14% QoQ +25% YoY 11 Other +1% QoQ +2% YoY 6% 2% Cash loans -4% QoQ -25% YoY
12 Treasury result Treasury result (PLN MM) +60% Result on customer operations +8% Result on proprietary management #1 in the contest of Ministry of Finance to act as Treasury Securities Dealer Note: The scales on the graphs are not comparable. 12
13 /PLM MM/ Expenses and depreciation -6% -7% % -2% Corporate Banking 44% Retail Banking Expenses of Retail Banking restructuring effects* (PLN MM) -7% % Staff and premises expenses impacted by savings on restructuring The QoQ decrease in marketing expenses (oneoff events in 2Q 2012) 56% Cost/Income Change QoQ Change YoY Corporate Banking 47% 45% 39% Retail Banking 73% 67% 65% Bank 59% 54% 50% 13 * Excluding holiday accrual.
14 Consistent credit risk policy Net impairment losses (PLN MM) Non-performing loans ratio (NPL) (45) (30) (15) 0 (16.5) 0.5% (20.0) 0.6% (28.1) (13.0) (7.0) (22.3) 0.6% (6.5) (15.8) 13.6% 13.5% 9.8% 8.7% 7.7% 6.1% 12.4% 7.8% 5.7% Q Q Q Q Q Corporate Banking Retail Banking Cost of risk (%) 90% Provision coverage ratio 91% 90% 1 NPL ratio went down to 7.8% due to improved quality of retail loans portfolio 77% 80% 80% 64% 65% 2 60% 2 Provision coverage ratio remained at a high level of 80% 3 Costs of risk maintained low at 0.6% in 3Q 2012 vs. 0.6% in 2Q 2012 and 0.5% in 3Q Q Q Q Q Q 2012 Bank Corporate Banking Retail Banking 14
15 Liquidity and capital adequacy stable and safe position Capital adequacy ratio Bank vs. banking sector Loans to deposits ratio Bank vs. banking sector Tier % 16.4% 18.0% 18.3% 17.6% 117% 116% 115% 115% 112% CAR Tier 1 Regulatory minimum 13.2% 13.1% 11.8% 11.7% 14.2% 12.7% 13.6% 12.3% 14.0% 12.7% 8% 72% 63% 68% 77% 81% 3Q11 4Q11 1Q12 2Q12 3Q12 3Q Q Q Q Q 2012 Citi Handlowy Sector Citi Handlowy Sector 15 Source: Data for the sector based on NBP and KNF data.
16 Share price (PLN) Change in Citi Handlowy s share price over Announcement of branch network optimalisation plan Announcement of an extension of employment restructuring process BHW for the fifth time ranked in An increase in the Bank s share price of 39% WIG Banks increase of 11% WIG20 increase of 1% 85 Management Board resolution on the proposed distribution of net profit for 2011 Dividend day Dividend declaration day Citi Handlowy WIG Banks WIG /2/2012 3/2/2012 5/2/2012 7/2/2012 9/2/ /2/ The latest listing as of November 5, 2012 (Citi Handlowy: PLN)
17 Appendix
18 Income statement Bank 3Q12 vs. 2Q12 3Q12 vs. 3Q11 3Q11 4Q11 1Q12 2Q12 3Q12 PLN MM PLN MM % PLN MM % Net interest income % 14 4% Interest income % 45 9% Interest expenses (130) (129) (137) (144) (161) (18) 12% (31) 24% Net fee and commission income % (4) (3%) Dividend income (4) (82%) % Gains on AFS debt securities % % FX and trading (40) (39%) (31) (33%) Treasury % 59 60% Net other operating income (4) 10 (1) (4) (8) (4) 104% (4) 101% Revenue % 66 11% Expenses (344) (343) (399) (345) (321) 24 (7%) 23 (7%) Depreciation (15) (16) (16) (18) (16) 2 (13%) (0) 2% Expenses and depreciation (359) (358) (415) (363) (337) 26 (7%) 22 (6%) Operating margin % 88 35% Income on fixed assets sale (0) (0) (0) (68%) 0 (104%) Net impairment losses (16) (3) (15) (20) (22) (2) 11% (6) 35% Share in subs' profits % 0 15% EBIT % 83 36% Corporate income tax (50) (53) (66) (55) (64) (9) 17% (14) 28% Net profit % 69 38% C/I ratio 59% 56% 56% 54% 50% 18
19 Balance sheet key items 19 End of period PLN B 3Q11 4Q11 1Q12 2Q12 3Q12 3Q12 vs. 2Q12 3Q12 vs. 3Q11 Cash and balances with the Central Bank % (0.6) (38%) Amounts due from banks % % Financial assets held-for-trading (1.0) (15%) % Debt securities available-for-sale (6.9) (44%) (5.1) (37%) Customer loans % % Financial sector entities % % Non-financial sector entities % % Corporate Banking % % Retail Banking % 0.1 3% Credit cards (0.0) (0%) (0.1) (4%) Cash loans (0.0) (1%) (0.1) (5%) Mortgage % % Other assets % (0.1) (4%) Total assets (5.4) (13%) (1.7) (4%) Liabilities due to banks (6.2) (71%) (2.7) (51%) Financial liabilities held-for-trading % % Financial liabilities due to customers (0.2) (1%) (0.2) (1%) Financial sector entities - deposits (0.1) (4%) (0.1) (5%) Non-financial sector entities - deposits (0.1) (1%) 0.1 0% Corporate Banking (0.1) (1%) (0.3) (3%) Retail Banking (0.0) (1%) 0.4 7% Other financial liabilities (0.0) (7%) (0.1) (43%) Other liabilities (0.3) (16%) 0.1 5% Total liabilities (5.7) (16%) (2.4) (8%) Equity % % Total liabilities & equity (5.4) (13%) (1.7) (4%) Loans / Deposits ratio 72% 63% 68% 77% 81% Capital Adequacy Ratio 16.5% 16.4% 18.0% 18.3% 17.6%
20 Corporate Banking income statement 3Q12 vs. 2Q12 3Q12 vs. 3Q11 PLN MM 3Q11 4Q11 1Q12 2Q12 3Q12 PLN MM % PLN MM % Net interest income % 13 8% Interest income % 43 16% Interest expenses (101) (100) (106) (113) (131) (18) 16% (30) 29% Net fee and commission income (6) (10%) (13) (18%) Dividend income (1) (43%) % Gains on AFS debt securities % % FX and trading (39) (43%) (31) (37%) Treasury % 59 65% Net other operating income (2) (74%) (3) (82%) Revenue % 57 17% Expenses (149) (153) (161) (163) (142) 20 (13%) 6 (4%) Depreciation (7) (7) (8) (8) (6) 2 (22%) 1 (11%) Expenses and depreciation (156) (160) (169) (171) (149) 22 (13%) 7 (4%) Operating margin % 64 37% Income on fixed assets sale (0) (0) (86%) 0 (109%) Net impairment losses 12 7 (2) (7) (16) (9) 124% (27) (236%) Share in subs' profits % 0 15% EBIT % 37 20% C/I ratio 47% 45% 37% 45% 39% 20
21 Retail Banking income statement 3Q12 vs. 2Q12 3Q12 vs. 3Q11 3Q11 4Q11 1Q12 2Q12 3Q12 PLN MM PLN MM % PLN MM % Net interest income % 1 0% Interest income % 2 1% Interest expenses (29) (30) (31) (30) (30) (0) 0% (1) 5% Net fee and commission income % 9 11% Dividend income (4) (100%) - - FX and trading (0) (2%) 0 3% Net other operating income (7) (7) (6) (6) (8) (2) 39% (1) 19% Revenue % 9 3% Expenses (195) (189) (238) (183) (179) 4 (2%) 16 (8%) Depreciation (8) (9) (8) (10) (9) 1 (5%) (1) 14% Expenses and depreciation (203) (198) (246) (192) (188) 4 (2%) 15 (8%) Operating margin % 24 31% Income on fixed assets sale (0) (0) (0) (20%) 0 (103%) Net impairment losses (28) (10) (13) (13) (7) 6 (50%) 22 (77%) EBIT % 46 95% C/I ratio 73% 71% 86% 67% 65% 21
22 Retail banking operational data and volumes Operational data (in thousand) 3Q11 2Q12 3Q12 3Q12 vs. 2Q12 3Q12 vs. 3Q11 thous. % thous. % Current accounts, including: (37) -6% (16) (-2%) Operating accounts (3) (2%) 3 (2%) Saving accounts % 11 5% Credit cards, including: (13) -2% (58) (-7%) Co-branded cards (3) (1%) (20) (4%) Debit cards, including: (37) -8% (49) (-10%) PayPass cards (15) -4% 60 20% Volumes (PLN million) 3Q11 2Q12 3Q12 3Q12 vs. 2Q12 3Q12 vs. 3Q11 PLN MM % PLN MM % Deposits (33) (1%) 388 7% Demand deposits % % Other deposits, including: (52) (1%) 51 1% Saving accounts (75) (3%) (32) (1%) Loans % 134 3% Credit cards (9) (0%) (90) (4%) Cash loans (30) (1%) (115) (5%) Mortgage loans % % 22
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