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2016 Annual Report of the Bank Handlowy w Warszawie S.A. Capital Group

Letter of the President

I’d like to invite you to reading the 2016 Annual Report of the Bank Handlowy w Warszawie S.A. Capital Group

Sławomir S. Sikora
President of the Management Board
Bank Handlowy w Warszawie S.A.

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Dividend

Dividend – consistent build-up of shareholders value due to strong capital position Tier 1 ratio = 17.4%

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98 %
Rosnące wolumeny kredytowe Citi Bank Handlowy - Raport finansowy 2016

Volumes

Volumes – dynamic growth of credit volumes, growth of the institutional clients credit portfolio by +9% YoY and retail customers by +4% YoY

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Smart Banking Ecosystem

Smart Banking Ecosystem – continued development of Smart Banking Ecosystem, which is based on light distribution network and maximum utilization of the remote channels for the customer service and acquisition.

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Awards

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Respect Index

Citi Handlowy is one of the few listed companies recognized in this way since the index's inception in 2009.

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Top Employer

Citi Handlowy and Citi Service Center awarded for their high HR policy standards for the sixth consecutive year.

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Euromoney

The Cash Management Survey is a prestigious ranking conducted by the British financial magazine Euromoney.

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'Forbes' Five stars

Citi Handlowy once again received the highest score for its private banking offer in a prestigious rating prepared by “Forbes”.

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