Bank Handlowy w Warszawie (WAR:BHW) Net Loan: zł17,950 Mil (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

WAR:BHW Bank Handlowy w Warszawie SA WAR:BHW
72 GF Score
Price zł115.20
GF Value zł96.77
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Bank Handlowy w Warszawie Net Loan?

Bank Handlowy w Warszawie WAR:BHW -2.04% 72 Net Loan is zł17,950 Mil as of Jun. 2026. GuruFocus rates WAR:BHW with a GF Score™ of 72/100 and a GF Value™ of zł96.77 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Bank Handlowy w Warszawie's quarterly net loan declined from Dec. 2025 (zł22,929 Mil) to Mar. 2026 (zł21,033 Mil) and declined from Mar. 2026 (zł21,033 Mil) to Jun. 2026 (zł17,950 Mil).

Bank Handlowy w Warszawie's annual net loan increased from Dec. 2023 (zł18,302 Mil) to Dec. 2024 (zł21,033 Mil) and increased from Dec. 2024 (zł21,033 Mil) to Dec. 2025 (zł17,950 Mil).

Bank Handlowy w Warszawie Net Loan Historical Data

* Premium members only.

The historical data trend for Bank Handlowy w Warszawie's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bank Handlowy w Warszawie Net Loan Chart

Bank Handlowy w Warszawie Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20,178.56 21,620.51 18,301.51 19,697.05 22,929.06

Bank Handlowy w Warszawie Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 21,811.61 17,833.42 22,929.06 21,032.81 17,950.15
WAR:BHW
72GF Score
Bank Handlowy w Warszawie SA WAR:BHW
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank Handlowy w Warszawie Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of zł17,950 Mil mean?
Bank Handlowy w Warszawie (WAR:BHW) has a Net Loan of zł17,950 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Bank Handlowy w Warszawie and its competitors.
Is Bank Handlowy w Warszawie's Net Loan too high?
Bank Handlowy w Warszawie's current Net Loan is zł17,950 Mil. Overall, Bank Handlowy w Warszawie has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Handlowy w Warszawie's Net Loan compare to USB?
Bank Handlowy w Warszawie's Net Loan of zł17,950 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Bank Handlowy w Warszawie and its competitors. Bank Handlowy w Warszawie's current Net Loan is zł17,950 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Handlowy w Warszawie stock overvalued right now?
Based on GuruFocus' analysis, Bank Handlowy w Warszawie (WAR:BHW) is currently considered Modestly Overvalued. The stock's GF Value™ is zł96.77, compared to a current price of zł115.20 — trading 19% above its estimated fair value. The current Net Loan is zł17,950 Mil. Bank Handlowy w Warszawie's overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Bank Handlowy w Warszawie (WAR:BHW), the current Net Loan is zł17,950 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bank Handlowy w Warszawie (WAR:BHW) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Handlowy w Warszawie stock appears to be overvalued. The current stock price of zł115.20 is trading 19% above its estimated GF Value™ of zł96.77. GuruFocus considers Bank Handlowy w Warszawie to be Modestly Overvalued.

Key valuation signals for WAR:BHW:

  • Net Loan: zł17,950 Mil
  • GF Value™: zł96.77 vs. price of zł115.20 (19% above fair value)
  • GF Score™: 72/100 with 5 warning signs

No single metric tells the full story. See the WAR:BHW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank Handlowy w Warszawie Business Description

Other Exchanges 6HW:Germany
Address Senatorska 16 Street, Warsaw, POL, 00-923
Bank Handlowy w Warszawie SA is a Poland-based bank and the parent company of the Bank Handlowy Group. It is a subsidiary of Citigroup, through Citibank Overseas Investment Corporation. The group provides retail, corporate, and investment banking services, as well as leasing and other financial services.
72GF Score

Get the complete analysis for WAR:BHW

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł115.20
Price
zł96.77
GF Value