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Bank BGZ BNP Paribas

Banking > Poland > Bank BGZ BNP Paribas
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Bank BGZ BNP Paribas

Bank BGŻ BNP Paribas is a Poland-based universal commercial bank. The Bank offers financial services to retail and institutional clients, including a sizeable group of businesses in the food and agricultural sector. It specializes in financing agriculture, the food economy and regional infrastructure. Bank's network consists of nearly 400 branches. Bank is strongly committed to the development of small communities, by supporting entities

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Bank BGŻ BNP Paribas is a Poland-based universal commercial bank. The Bank offers financial services to retail and institutional clients, including a sizeable group of businesses in the food and agricultural sector. It specializes in financing agriculture, the food economy and regional infrastructure. Bank's network consists of nearly 400 branches. Bank is strongly committed to the development of small communities, by supporting entities operating on the local market and offering long-term cooperation. BNP Paribas has acquired control of Bank BGŻ from Rabobank, valuing the Bank at PLN 4.5 billion in 2014.

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AnnualQuarterly
summary Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

        834 1,020 1,015 1,118 1,423    
        1,276 1,499 1,463 1,558 2,142    
        310 444 440 489 332    
        128 130 160 138 13.3    

balance sheet

        221 104 270 405 495    
        24,222 26,324 26,298 29,632 52,270    
        6,250 7,576 6,306 7,758 8,216    
        33,407 37,247 35,777 40,497 65,372    
        2,638 3,473 3,509 4,156 6,268    
        4,447 4,094 3,271 1,547 9,877    
        22,942 26,942 26,493 32,804 46,527    
        2,829 2,251 2,104 1,532 1,668    

ratios

        4.99% 4.26% 4.59% 3.60% 0.255%    
        0.413% 0.368% 0.439% 0.362% 0.025%    
        3.11% 2.99% 2.80% 2.80% 3.42%    
        75.7% 70.4% 69.9% 68.6% 84.5%    
        9.69% 11.8% 13.3% 13.8% 13.5%    
        2.69% 2.89% 2.78% 2.93% 2.69%    
        65.4% 68.0% 69.4% 71.8% 66.4%    
        21.1% 19.9% 18.9% 19.9% 19.7%    
        47.3% 47.5% 46.4% 48.9% 40.9%    
        7.90% 9.32% 9.81% 10.3% 9.59%    
        106% 97.7% 99.3% 90.3% 112%    
        72.5% 70.7% 73.5% 73.2% 80.0%    
        5.74% 7.07% 8.00% 7.90% 7.60%    
        61.3% 55.3% 55.3% 58.3% 71.5%    

valuation

... ... ... ... 586 797 1,299 1,216 734    
        43.1 45.5 51.1 53.8 53.8    
... ... ... ... 46.8 54.2 76.6 80.0 48.3    
        2.97 2.86 3.13 2.56 0.247    
        61.2 76.3 68.6 77.2 116    
        0 0 0 0 0    
... ... ... ... 15.8 19.0 24.4 31.2 196    
... ... ... ... 0.765 0.710 1.12 1.04 0.415    
... ... ... ... 0% 0% 0% 0% 0%    
...       13.7% -3.79% 9.61% -18.1% -90.4%    
...       5.39% 24.8% -10.0% 12.5% 50.8%    

Download Data
income statement Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income PLN mil
Interest Cost PLN mil
Net Interest Income PLN mil
Net Fee Income PLN mil
Other Income PLN mil
Total Revenues PLN mil
Staff Cost PLN mil
Depreciation PLN mil
Other Cost PLN mil
Operating Cost PLN mil
Operating Profit PLN mil
Provisions PLN mil
Extra and Other Cost PLN mil
Pre-Tax Profit PLN mil
Tax PLN mil
Minorities PLN mil
Net Profit PLN mil
Dividends PLN mil
        1,692 2,155 1,911 1,795 2,070    
        858 1,135 895 677 647    
        834 1,020 1,015 1,118 1,423    
        270 298 276 310 423    
        172 182 171 129 296    
        1,276 1,499 1,463 1,558 2,142    
        456 502 475 522 740    
        83.0 94.5 99.2 101 148    
        426 459 449 446 921    
        966 1,055 1,023 1,069 1,810    
        310 444 440 489 332    
        163 270 249 311 302    
        -2.47 -0.316 -11.1 < -0.001 < -0.001    
        150 174 202 178 29.7    
        21.5 43.9 42.1 40.1 16.4    
        0 0 0 0 0    
        128 130 160 138 13.3    
        0 0 0 0 0    

growth rates

...       38.0% 22.3% -0.429% 10.1% 27.2%    
...       -0.600% 10.3% -7.14% 12.3% 36.1%    
...       18.6% 17.5% -2.39% 6.48% 37.5%    
...       18.3% 9.22% -2.99% 4.44% 69.3%    
...       19.6% 43.1% -0.966% 11.2% -32.1%    
...       17.9% 16.3% 16.2% -11.9% -83.3%    
...       14.0% 1.52% 23.1% -13.8% -90.4%    

market share

        2.23% 2.55% 2.64% 2.70% 3.83%    
        0.824% 0.841% 1.06% 0.869% 0.119%    
        2.97% 3.07% 3.08% 2.96% 4.33%    
... ... ... ... ... ... ... 1.80% 2.63% ... ...
... ... ... ... ... ... ... 1.97% 2.69% ... ...
... ... ... ... ... ... ... 0.905% 1.80% ... ...
        2.84% 2.60% 2.60% 2.60% 3.51%    

Download Data
balance sheet Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

        1,383 2,107 1,618 1,790 2,826    
        221 104 270 405 495    
        24,222 26,324 26,298 29,632 52,270    
        15,227 16,699 18,286 20,093 34,339    
... ... ...   7,118 7,600 8,038 8,341 14,723    
... ... ...   8,108 9,099 10,247 13,752 19,617    
        9,456 10,287 8,800 10,090 18,059    
        6,250 7,576 6,306 7,758 8,216    
        632 622 608 576 794    
        33,407 37,247 35,777 40,497 65,372    
        2,638 3,473 3,509 4,156 6,268    
        0 0 0 0 0    
        30,769 33,774 32,268 36,340 59,104    
        4,447 4,094 3,271 1,547 9,877    
        22,942 26,942 26,493 32,804 46,527    
        13,434 15,802 16,377 18,539 24,079    
        7,901 7,925 8,467 9,449 16,817    
        10,047 12,908 15,460 15,809 24,340    
        12,808 13,944 10,900 15,707 22,187    
        2,829 2,251 2,104 1,532 1,668    
        552 487 400 457 1,032    

asset quality

        1,440 1,936 2,200 2,453 4,202    
        25,105 27,394 27,514 31,062 55,276    
        883 1,070 1,216 1,430 3,006    

growth rates

...       21.9% 8.68% -0.098% 12.7% 76.4%    
...       14.5% 9.67% 9.50% 9.88% 70.9%    
... ... ... ... 8.53% 6.77% 5.76% 3.76% 76.5%    
... ... ... ... 20.3% 12.2% 12.6% 34.2% 42.6%    
...       36.4% 8.78% -14.5% 14.7% 79.0%    
...       16.7% 11.5% -3.95% 13.2% 61.4%    
...       5.73% 31.6% 1.05% 18.4% 50.8%    
...       8.98% 17.4% -1.67% 23.8% 41.8%    
...       18.2% 17.6% 3.64% 13.2% 29.9%    
...       15.0% 0.293% 6.84% 11.6% 78.0%    

market share

        2.64% 2.81% 2.71% 2.85% 4.73%    
        3.57% 3.78% 3.17% 3.35% 5.52%    
... ... ...   3.78% 4.30% 4.68% 5.90% 7.93%    
        2.86% 3.13% 3.30% 3.41% 5.46%    
... ... ...   2.23% 2.36% 2.39% 2.34% 3.86%    
        2.58% 2.76% 2.55% 2.64% 4.09%    
        2.54% 2.90% 2.71% 3.14% 4.17%    
        2.81% 3.06% 2.99% 3.06% 3.62%    
        3.84% 4.14% 4.04% 4.12% 6.64%    

Download Data
ratios Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

        4.99% 4.26% 4.59% 3.60% 0.255%    
        0.413% 0.368% 0.439% 0.362% 0.025%    
        3.11% 2.99% 2.80% 2.80% 3.42%    
        75.7% 70.4% 69.9% 68.6% 84.5%    
        9.69% 11.8% 13.3% 13.8% 13.5%    
... ... ... ... ... ... ... 12.7% 11.8%    
        2.69% 2.89% 2.78% 2.93% 2.69%    
...       2.44% 2.58% 2.52% 2.73% 2.55%    
        5.46% 6.10% 5.23% 4.71% 3.91%    
...       3.02% 3.52% 2.71% 1.97% 1.36%    
        0% 0% 0% 0% 0%    
        65.4% 68.0% 69.4% 71.8% 66.4%    
        21.1% 19.9% 18.9% 19.9% 19.7%    
        13.5% 12.1% 11.7% 8.30% 13.8%    
        2,320 2,299 2,268 2,550 2,481    
        6,879 7,481 7,167 8,355 8,130    
        47.3% 47.5% 46.4% 48.9% 40.9%    
        7.90% 9.32% 9.81% 10.3% 9.59%    
        106% 97.7% 99.3% 90.3% 112%    
        72.5% 70.7% 73.5% 73.2% 80.0%    
        5.74% 7.07% 8.00% 7.90% 7.60%    
        61.3% 55.3% 55.3% 58.3% 71.5%    
        3.65% 4.06% 4.62% 4.83% 5.75%    
        0.740% 1.07% 0.945% 1.11% 0.738%    

Download Data
other data Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

        394 400 397 390 508    
        5,530 5,588 5,527 5,209 7,588    
... ... ... ... ... 0.968 1.04 1.58 2.11    
... ... ... ... ... ... ... 642 900 ... ...
... ... ... ... ... ... ... 586 784 ... ...
... ... ... ... ... ... ... 54.7 105 ... ...
        43.8% 47.9% 58.4% 48.2% 52.3%    

Download Data
Comparison of 18 Banks in Poland

This Annual Statistical Dossier offers a comparison of 18 Polish banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 18 Polish banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Bank BGZ BNP Paribas in Numbers

This Annual statistical dossier offers a summary of Bank BGZ BNP Paribas's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

Read more »

This Annual statistical dossier offers a summary of Bank BGZ BNP Paribas's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track BGZ's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Bank BGZ BNP Paribas's Cost of Risk (loan loss provisions as % of total assets) amounted to 15.3% in the fourth quarter of 2017, down from 15.6% when compared to the previous quarter.

Historically, the bank’s cost of risk reached

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Bank BGZ BNP Paribas's Cost of Risk (loan loss provisions as % of total assets) amounted to 15.3% in the fourth quarter of 2017, down from 15.6% when compared to the previous quarter.

Historically, the bank’s cost of risk reached an all time high of 18.4% in 4Q2015 and an all time low of 9.22% in 1Q2010. The average cost of risk in the last six quarters amounted to 15.9%.

On the other hand, average asset yield was 3.62% in 4Q2017, down from 3.71% when compared to the same period last year. Cost of funding amounted to 1.09% in 4Q2017, down from 1.19%.

When compared to bank's main peers, PKO BP operated in the fourth quarter of 2017 with a cost of risk of 0.590% Pekao SA reached 0.360% and ING Bank Slaski some 0.357%.

You can see all the bank’s data at Bank BGZ BNP Paribas Profile, or you can download a report on the bank in the report section.

Based on a comparison of 11 banks in Poland, Pekao SA produced the highest net profit in the 4Q2017, followed by PKO BP and Santander Bank Polska.

Pekao SA made a net profit of PLN 1,054 mil, up 96.6% when compared to the previous

Read more »

Based on a comparison of 11 banks in Poland, Pekao SA produced the highest net profit in the 4Q2017, followed by PKO BP and Santander Bank Polska.

Pekao SA made a net profit of PLN 1,054 mil, up 96.6% when compared to the previous quarter and up 113% when compared to the same period of last year. Historically, the bank’s net profit reached an all time high of PLN 1,138 mil in 1Q2008 and an all time low of PLN 270 mil in 3Q2004. The average profit in the last five years amounted to PLN 627 mil.

The bank generated its shareholders an average return on equity of 10.9% in the last five years with maximum at 18.5% and minimum at 6.04%.

When compared to the nearest peers, PKO BP generated a net profit of PLN 820 mil with ROE of 9.16% in 4Q2017, Santander Bank Polska netted PLN 549 mil (ROE of 9.55%) and ING Bank Slaski announced a net profit of PLN 367 mil implying ROE of 12.6%.

Net profit of the Poland’s banking sector amounted to PLN 15,450 mil in 4Q2017, down 5.47% when compared to the last year. As a result, the top ranked company - Pekao SA accounted for 6.82% of the sector’s net profit in 4Q2017. The top 3 companies held a 15.7% share while the five largest firms some 20.1% in 4Q2017.

You can see all the banks net profit data at Net Profit indicator page or you can download a report on the Polish banks in the report section.

Based on a comparison of 11 banks in Poland in 4Q2017, PKO BP generated the largest revenues, followed by Pekao SA and Santander Bank Polska.

PKO BP reported total revenues of PLN 3,264 mil, up 2.29% when compared to the

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Based on a comparison of 11 banks in Poland in 4Q2017, PKO BP generated the largest revenues, followed by Pekao SA and Santander Bank Polska.

PKO BP reported total revenues of PLN 3,264 mil, up 2.29% when compared to the previous quarter and up 17.7% when compared to the same period of last year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of PLN 3,264 mil in 4Q2017 and an all time low of PLN 1,368 mil in 3Q2004. The average revenue in the last five years amounted to PLN 2,725 mil.

Bank's total revenues accounted for 4.40% of total assets in 4Q2017, up from 3.88% a year earlier.

When compared to the nearest peers, Pekao SA generated total revenues of PLN 2,022 mil, or 4.36% of assets in 4Q2017, Santander Bank Polska operated with PLN 2,010 mil total income, or 5.27% revenue margin and ING Bank Slaski produced total income worth PLN 1,227 mil, or 3.90% of assets.

Polish banking sector generated total revenues of PLN 46,018 mil in 4Q2017, up 13.1% when compared to the last year. As a result, the top ranked company - PKO BP accounted for 7.09% of the sector’s total income in 4Q2017. The top 3 companies held a 15.9% share while the five largest firms some 21.0% in 4Q2017.

You can see all the banks revenues data at Total Revenues indicator page or you can download a report on the Polish banks in the report section.

Based on a comparison of 11 banks in Poland in 4Q2017, Pekao SA was the most cost efficient bank, followed by ING Bank Slaski and Santander Bank Polska.

Pekao SA's cost to income ratio reached 42.3% in 4Q2017, down from 44.9%

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Based on a comparison of 11 banks in Poland in 4Q2017, Pekao SA was the most cost efficient bank, followed by ING Bank Slaski and Santander Bank Polska.

Pekao SA's cost to income ratio reached 42.3% in 4Q2017, down from 44.9% when compared to the previous quarter and down from 45.1% when compared to the same period of last year. Historically, the bank’s costs reached an all time high of 62.7% in 3Q2004 and an all time low of 40.3% in 2Q2016.

When compared to total assets, bank's cost amounted to 1.39% in 4Q2017, up from 1.88% a year earlier.

When compared to the nearest peers, ING Bank Slaski operated in 4Q2017 with a cost to income ratio of 43.1%, Santander Bank Polska reached 43.3% and mBank some 43.3%.

The average cost to income ratio reached 46.2% in the Polish banking sector in 4Q2017.

You can see all the banks cost efficiency data at Costs (As % Of Income) indicator page or you can download a report on the Polish banks in the report section.

See all charts of the company »
BGZ's mortgage loans fell 3.19% to PLN 13,628 mil in 4Q2017
BGZ's total revenues fell 5.88% to PLN 650 mil in 4Q2017
BGZ's employees fell 0.418% to 7,386 in 4Q2017
BGZ's customer loans fell 6.33% to PLN 52,968 mil in 4Q2017
BGZ's customer deposits rose 1.89% to PLN 56,329 mil in 4Q2017
BGZ's corporate deposits rose 7.02% to PLN 24,663 mil in 4Q2017
BGZ's retail deposits rose 1.77% to PLN 27,650 mil in 4Q2017
BGZ's consumer loans fell 1.29% to PLN 20,669 mil in 4Q2017
BGZ's npls (as % of loans) rose 4.27% to 7.40% in 4Q2017
BGZ's costs (as % of assets) rose 11.1% to 2.38% in 4Q2017
BGZ's corporate loans fell 15.5% to PLN 17,374 mil in 4Q2017
BGZ's net profit fell 55.2% to PLN 49.1 mil in 4Q2017
BGZ's net interest margin fell 6.28% to 2.63% in 4Q2017
BGZ's price/earnings (P/E) fell 17.0% to 20.2 in 4Q2017
BGZ's capital adequacy ratio rose 0.292% to 13.8% in 4Q2017
BGZ's net interest income fell 5.78% to PLN 475 mil in 4Q2017
BGZ's share price (end of period) rose 1.48% to PLN 67.9 in 4Q2017
BGZ's provisions (as % of loans) rose 5.69% to 5.26% in 4Q2017
BGZ's Cost of Risk fell 2.15% to 15.3% in 4Q2017
BGZ's customer loan growth fell 189% to -3.83% in 4Q2017
BGZ's net profit rose 264% to PLN 280 mil in 2017
BGZ's total revenues rose 2.11% to PLN 2,696 mil in 2017
BGZ's customer deposits rose 2.13% to PLN 56,329 mil in 2017
BGZ's mortgage loans fell 9.18% to PLN 13,628 mil in 2017
BGZ's retail deposits rose 0.446% to PLN 27,650 mil in 2017
BGZ's customer loans fell 3.83% to PLN 52,968 mil in 2017
BGZ's employees fell 7.42% to 7,386 in 2017
BGZ's corporate deposits rose 8.08% to PLN 24,663 mil in 2017
BGZ's costs (as % of assets) fell 15.2% to 2.32% in 2017
BGZ's consumer loans rose 1.38% to PLN 20,669 mil in 2017
BGZ's net interest income rose 5.51% to PLN 1,927 mil in 2017
BGZ's npls (as % of loans) fell 4.23% to 7.40% in 2017
BGZ's corporate loans fell 10.1% to PLN 17,374 mil in 2017
BGZ's price/earnings (P/E) fell 68.3% to 20.4 in 2017
BGZ's net interest margin rose 0.142% to 2.66% in 2017
BGZ's share price (end of period) rose 15.3% to PLN 67.9 in 2017
BGZ's customer loan growth fell 171% to -3.83% in 2017
BGZ's retail loan growth fell 201% to -3.10% in 2017