By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska's mortgage loans reached PLN 27,215 mil in 2022-09-30, down 2.35% compared to the previous year. Polish...
By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska's non-performing loans reached 3.28% of total loans at the end of 2022-12-31, down from 3.64% compared to...
By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska's customer deposits reached PLN 114,680 mil in 2022-09-30, up 4.81% compared to the previous year. Poli...
Profit Statement | 2018 | 2019 | 2020 | |
Net Interest Income | PLN mil | 2,112 | 3,175 | 3,070 |
Net Fee Income | PLN mil | 567 | 820 | 916 |
Other Income | PLN mil | 901 | 1,006 | 1,097 |
Total Revenues | PLN mil | 3,580 | 5,000 | 5,083 |
Staff Cost | PLN mil | 1,057 | 1,369 | 1,183 |
Operating Profit | PLN mil | 1,668 | 2,400 | 2,355 |
Provisions | PLN mil | 558 | 442 | 601 |
Net Profit | PLN mil | 580 | 1,071 | 820 |
Balance Sheet | 2018 | 2019 | 2020 | |
Interbank Loans | PLN mil | 961 | 679 | 775 |
Customer Loans | PLN mil | 73,414 | 73,811 | 75,637 |
Investments | PLN mil | 28,075 | 26,168 | 33,962 |
Total Assets | PLN mil | 109,023 | 109,954 | 119,577 |
Shareholders' Equity | PLN mil | 10,560 | 11,159 | 12,031 |
Interbank Borrowing | PLN mil | 3,976 | 4,485 | 6,910 |
Customer Deposits | PLN mil | 87,192 | 86,135 | 90,051 |
Issued Debt Securities | PLN mil | 4,055 | 4,663 | 6,594 |
Ratios | 2018 | 2019 | 2020 | |
ROE | % | 6.77 | 9.86 | 7.07 |
ROA | % | 0.638 | 0.978 | 0.715 |
Costs (As % Of Assets) | % | 2.10 | 2.38 | 2.38 |
Costs (As % Of Income) | % | 53.4 | 52.0 | 53.7 |
Capital Adequacy Ratio | % | 14.6 | 15.1 | 18.7 |
Net Interest Margin | % | 2.32 | 2.90 | 2.67 |
Loans (As % Of Deposits) | % | 84.2 | 85.7 | 84.0 |
NPLs (As % Of Loans) | % | 5.44 | 5.56 | 5.26 |
Provisions (As % Of NPLs) | % | 73.5 | 75.4 | 76.8 |
Valuation | 2018 | 2019 | 2020 | |
Market Capitalisation | USD mil | 1,909 | 2,645 | 2,509 |
Number Of Shares | mil | 99.3 | 147 | 148 |
Share Price | PLN | 48.5 | 68.0 | 63.6 |
Price/Earnings (P/E) | 8.31 | 9.36 | 11.5 | |
Price/Book Value (P/BV) | 0.456 | 0.898 | 0.780 | |
Dividend Yield | % | 0 | 0 | 0 |
Earnings Per Share (EPS) | PLN | 5.84 | 7.27 | 5.55 |
Book Value Per Share | PLN | 106 | 75.7 | 81.5 |
Dividend Per Share | PLN | 0 | 0 | 0 |
Get all company financials in excel:
summary | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
income statement | |||||||||||||||
Net Interest Income | PLN mil | 1,122 | 1,427 | 1,832 | 1,937 | 2,112 | |||||||||
Total Revenues | PLN mil | 1,602 | 2,211 | 2,832 | 2,928 | 3,580 | |||||||||
Operating Profit | PLN mil | 564 | 783 | 1,019 | 1,168 | 1,668 | |||||||||
Net Profit | PLN mil | 164 | 308 | 192 | 310 | 580 | |||||||||
balance sheet | |||||||||||||||
Interbank Loans | PLN mil | 505 | 495 | 1,234 | 2,604 | 961 | |||||||||
Customer Loans | PLN mil | 29,632 | 52,270 | 55,076 | 52,968 | 73,414 | |||||||||
Investments | PLN mil | 7,338 | 7,900 | 12,552 | 13,977 | 28,075 | |||||||||
Total Assets | PLN mil | 40,497 | 65,372 | 72,305 | 72,656 | 109,023 | |||||||||
Shareholders' Equity | PLN mil | 4,156 | 6,268 | 6,147 | 6,559 | 10,560 | |||||||||
Interbank Borrowing | PLN mil | 1,592 | 9,877 | 7,309 | 3,891 | 3,976 | |||||||||
Customer Deposits | PLN mil | 32,804 | 46,527 | 55,155 | 56,329 | 87,192 | |||||||||
Issued Debt Securities | PLN mil | 1,083 | 1,317 | 2,167 | 4,117 | 4,055 | |||||||||
ratios | |||||||||||||||
ROE | % | ... | 4.29 | 5.91 | 3.09 | 4.88 | 6.77 | ||||||||
ROA | % | ... | 0.431 | 0.582 | 0.278 | 0.428 | 0.638 | ||||||||
Costs (As % Of Assets) | % | ... | 2.72 | 2.70 | 2.63 | 2.43 | 2.10 | ||||||||
Costs (As % Of Income) | % | 64.8 | 64.6 | 64.0 | 60.1 | 53.4 | |||||||||
Capital Adequacy Ratio | % | 13.8 | 13.5 | 14.4 | 13.8 | 14.6 | |||||||||
Net Interest Margin | % | ... | 2.94 | 2.70 | 2.66 | 2.67 | 2.32 | ||||||||
Interest Income (As % Of Revenues) | % | 70.0 | 64.5 | 64.7 | 66.2 | 59.0 | |||||||||
Fee Income (As % Of Revenues) | % | 19.4 | 19.1 | 17.4 | 16.6 | 15.8 | |||||||||
Staff Cost (As % Of Total Cost) | % | 50.5 | 48.2 | 49.7 | 47.3 | 55.3 | |||||||||
Equity (As % Of Assets) | % | 10.3 | 9.59 | 8.50 | 9.03 | 9.69 | |||||||||
Loans (As % Of Deposits) | % | 90.3 | 112 | 99.9 | 94.0 | 84.2 | |||||||||
Loans (As % Assets) | % | 73.2 | 80.0 | 76.2 | 72.9 | 67.3 | |||||||||
NPLs (As % Of Loans) | % | 7.90 | 7.60 | 7.72 | 7.40 | 5.44 | |||||||||
Provisions (As % Of NPLs) | % | ... | ... | 58.3 | 71.5 | 66.9 | 67.5 | 73.5 | |||||||
valuation | |||||||||||||||
Market Capitalisation | USD mil | ... | ... | ... | ... | 1,268 | 1,036 | 1,164 | 1,647 | 1,909 | |||||
Number Of Shares | mil | ... | ... | 53.8 | 75.1 | 84.2 | 84.2 | 99.3 | |||||||
Share Price | PLN | ... | ... | ... | ... | 80.0 | 48.3 | 57.7 | 67.9 | 48.5 | |||||
Earnings Per Share (EPS) | PLN | ... | ... | 3.05 | 4.10 | 2.27 | 3.68 | 5.84 | |||||||
Book Value Per Share | PLN | ... | ... | 77.2 | 83.5 | 73.0 | 77.9 | 106 | |||||||
Dividend Per Share | PLN | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
Price/Earnings (P/E) | ... | ... | ... | ... | 26.2 | 11.8 | 25.4 | 18.5 | 8.31 | ||||||
Price/Book Value (P/BV) | ... | ... | ... | ... | 1.04 | 0.578 | 0.791 | 0.872 | 0.456 | ||||||
Dividend Yield | % | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
Earnings Per Share Growth | % | ... | ... | ... | -3.44 | 34.4 | -44.5 | 61.7 | 58.7 | ||||||
Book Value Per Share Growth | % | ... | ... | ... | 12.5 | 8.15 | -12.6 | 6.71 | 36.5 |
income statement | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
income statement | |||||||||||||||
Interest Income | PLN mil | 1,798 | 2,074 | 2,590 | 2,676 | 2,989 | |||||||||
Interest Cost | PLN mil | 677 | 647 | 758 | 738 | 877 | |||||||||
Net Interest Income | PLN mil | 1,122 | 1,427 | 1,832 | 1,937 | 2,112 | |||||||||
Net Fee Income | PLN mil | 310 | 423 | 493 | 486 | 567 | |||||||||
Fee Income | PLN mil | 357 | 494 | 608 | 601 | 725 | |||||||||
Fee Expense | PLN mil | 46.7 | 71.1 | 115 | 116 | 157 | |||||||||
Other Income | PLN mil | 170 | 361 | 507 | 505 | 901 | |||||||||
Total Revenues | PLN mil | 1,602 | 2,211 | 2,832 | 2,928 | 3,580 | |||||||||
Staff Cost | PLN mil | 524 | 688 | 901 | 832 | 1,057 | |||||||||
Depreciation | PLN mil | ... | ... | 51.2 | 68.6 | 82.1 | 87.6 | 91.0 | |||||||
Other Cost | PLN mil | ... | ... | 462 | 671 | 829 | 841 | 764 | |||||||
Operating Cost | PLN mil | 1,037 | 1,428 | 1,813 | 1,760 | 1,912 | |||||||||
Operating Profit | PLN mil | 564 | 783 | 1,019 | 1,168 | 1,668 | |||||||||
Provisions | PLN mil | 307 | 319 | 402 | 355 | 558 | |||||||||
Extra and Other Cost | PLN mil | 46.7 | 71.1 | 301 | 321 | 370 | |||||||||
Pre-Tax Profit | PLN mil | 211 | 393 | 316 | 491 | 740 | |||||||||
Tax | PLN mil | 46.3 | 85.5 | 125 | 181 | 160 | |||||||||
Minorities | PLN mil | 0 | 0 | 0 | 0 | 0 | |||||||||
Net Profit | PLN mil | 164 | 308 | 192 | 310 | 580 | |||||||||
Net Profit Avail. to Common | PLN mil | 164 | 308 | 192 | 310 | 580 | |||||||||
Dividends | PLN mil | 0 | 0 | 0 | 0 | 0 | |||||||||
growth rates | |||||||||||||||
Net Interest Income Growth | % | ... | 10.1 | 27.2 | 28.4 | 5.74 | 9.01 | ||||||||
Net Fee Income Growth | % | ... | 12.3 | 36.1 | 16.7 | -1.47 | 16.8 | ||||||||
Total Revenue Growth | % | ... | 5.36 | 38.0 | 28.1 | 3.39 | 22.3 | ||||||||
Operating Cost Growth | % | ... | 2.65 | 37.6 | 27.0 | -2.91 | 8.64 | ||||||||
Operating Profit Growth | % | ... | 10.7 | 38.8 | 30.1 | 14.6 | 42.8 | ||||||||
Pre-Tax Profit Growth | % | ... | 3.21 | 86.8 | -19.6 | 55.3 | 50.6 | ||||||||
Net Profit Growth | % | ... | 1.66 | 87.4 | -37.8 | 61.7 | 87.1 | ||||||||
market share | |||||||||||||||
Market Share in Revenues | % | 2.78 | 3.95 | 4.77 | 4.74 | 5.56 | |||||||||
Market Share in Net Profit | % | 1.04 | 2.75 | 1.38 | 2.28 | 4.44 | |||||||||
Market Share in Employees | % | ... | 3.23 | 4.98 | 4.88 | 4.64 | 6.93 | ||||||||
Market Share in Branches | % | 3.20 | 4.29 | 4.34 | 4.57 | 6.79 |
balance sheet | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
balance sheet | |||||||||||||||
Cash & Cash Equivalents | PLN mil | 1,790 | 2,826 | 1,303 | 998 | 2,897 | |||||||||
Interbank Loans | PLN mil | 505 | 495 | 1,234 | 2,604 | 961 | |||||||||
Customer Loans | PLN mil | 29,632 | 52,270 | 55,076 | 52,968 | 73,414 | |||||||||
Retail Loans | PLN mil | 17,534 | 30,372 | 31,476 | 20,939 | 27,002 | |||||||||
Mortgage Loans | PLN mil | ... | ... | 8,341 | 14,723 | 15,006 | 13,628 | 16,055 | |||||||
Consumer Loans | PLN mil | ... | ... | 9,193 | 15,649 | 16,471 | 7,311 | 10,947 | |||||||
Corporate Loans | PLN mil | 7,971 | 14,153 | 15,127 | 14,952 | 15,294 | |||||||||
Investments | PLN mil | 7,338 | 7,900 | 12,552 | 13,977 | 28,075 | |||||||||
Property and Equipment | PLN mil | 411 | 537 | 546 | 501 | 511 | |||||||||
Intangible Assets | PLN mil | 165 | 256 | 247 | 288 | 521 | |||||||||
Goodwill | PLN mil | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
Total Assets | PLN mil | 40,497 | 65,372 | 72,305 | 72,656 | 109,023 | |||||||||
Shareholders' Equity | PLN mil | 4,156 | 6,268 | 6,147 | 6,559 | 10,560 | |||||||||
Of Which Minority Interest | PLN mil | 0 | 0 | 0 | 0 | 0 | |||||||||
Liabilities | PLN mil | 36,340 | 59,104 | 66,158 | 66,096 | 98,463 | |||||||||
Interbank Borrowing | PLN mil | 1,592 | 9,877 | 7,309 | 3,891 | 3,976 | |||||||||
Customer Deposits | PLN mil | 32,804 | 46,527 | 55,155 | 56,329 | 87,192 | |||||||||
Sight Deposits | PLN mil | 14,927 | 24,413 | 27,614 | 30,335 | 55,491 | |||||||||
Term Deposits | PLN mil | 15,399 | 19,511 | 25,116 | 24,034 | 30,239 | |||||||||
Issued Debt Securities | PLN mil | 1,083 | 1,317 | 2,167 | 4,117 | 4,055 | |||||||||
Subordinated Debt | PLN mil | ... | ... | ... | ... | ... | 321 | 848 | 1,768 | 1,645 | 1,876 | ||||
Other Liabilities | PLN mil | 860 | 1,383 | 1,528 | 1,759 | 3,239 | |||||||||
asset quality | |||||||||||||||
Non-Performing Loans | PLN mil | 2,453 | 4,202 | 4,484 | 4,123 | 4,158 | |||||||||
Gross Loans | PLN mil | 31,062 | 55,276 | 58,077 | 55,752 | 76,471 | |||||||||
Risk-Weighted Assets | PLN mil | ... | ... | ... | ... | 28,350 | 50,096 | 52,914 | 55,925 | 83,451 | |||||
Total Provisions | PLN mil | ... | ... | 1,430 | 3,006 | 3,001 | 2,785 | 3,057 | |||||||
growth rates | |||||||||||||||
Customer Loan Growth | % | ... | 12.7 | 76.4 | 5.37 | -3.83 | 38.6 | ||||||||
Retail Loan Growth | % | ... | 9.98 | 73.2 | 3.64 | -33.5 | 29.0 | ||||||||
Mortgage Loan Growth | % | ... | ... | ... | 3.76 | 76.5 | 1.92 | -9.18 | 17.8 | ||||||
Consumer Loan Growth | % | ... | ... | ... | 16.3 | 70.2 | 5.25 | -55.6 | 49.7 | ||||||
Corporate Loan Growth | % | ... | 15.6 | 77.6 | 6.89 | -1.16 | 2.29 | ||||||||
Total Asset Growth | % | ... | 13.2 | 61.4 | 10.6 | 0.485 | 50.1 | ||||||||
Shareholders' Equity Growth | % | ... | 18.4 | 50.8 | -1.94 | 6.71 | 61.0 | ||||||||
Customer Deposit Growth | % | ... | 23.8 | 41.8 | 18.5 | 2.13 | 54.8 | ||||||||
market share | |||||||||||||||
Market Share in Customer Loans | % | 2.85 | 4.73 | 4.74 | 4.39 | 5.96 | |||||||||
Market Share in Corporate Loans | % | 2.65 | 4.32 | 4.39 | 4.09 | 4.10 | |||||||||
Market Share in Retail Loans | % | ... | ... | 3.95 | 6.33 | 6.33 | 2.63 | 4.07 | |||||||
Market Share in Consumer Loans | % | 2.98 | 4.83 | 4.76 | 3.12 | 3.84 | |||||||||
Market Share in Mortgage Loans | % | ... | ... | 2.34 | 3.86 | 3.75 | 3.46 | 3.70 | |||||||
Market Share in Total Assets | % | 2.64 | 4.09 | 4.23 | 4.08 | 5.49 | |||||||||
Market Share in Customer Deposits | % | 3.14 | 4.17 | 4.55 | 4.43 | 7.06 |
ratios | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
ROE | % | ... | 4.29 | 5.91 | 3.09 | 4.88 | 6.77 | ||||||||
ROTE | % | ... | 4.48 | 6.16 | 3.22 | 5.09 | 7.11 | ||||||||
ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | 3.98 | 5.23 | 2.48 | 3.80 | 5.55 | ||||
ROA | % | ... | 0.431 | 0.582 | 0.278 | 0.428 | 0.638 | ||||||||
Return on Loans | % | ... | 0.588 | 0.752 | 0.357 | 0.574 | 0.918 | ||||||||
Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | 2.05 | 2.00 | 1.98 | 2.15 | 2.39 | ||||
Costs (As % Of Assets) | % | ... | 2.72 | 2.70 | 2.63 | 2.43 | 2.10 | ||||||||
Costs (As % Of Income) | % | 64.8 | 64.6 | 64.0 | 60.1 | 53.4 | |||||||||
Costs (As % Of Loans) | % | ... | 3.71 | 3.49 | 3.38 | 3.26 | 3.03 | ||||||||
Costs (As % Of Loans & Deposits) | % | ... | 1.80 | 1.77 | 1.73 | 1.60 | 1.42 | ||||||||
Capital Adequacy Ratio | % | 13.8 | 13.5 | 14.4 | 13.8 | 14.6 | |||||||||
Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | 11.8 | 11.1 | 10.8 | 12.4 | ||
Net Interest Margin | % | ... | 2.94 | 2.70 | 2.66 | 2.67 | 2.32 | ||||||||
Interest Spread | % | ... | 2.74 | 2.56 | 2.55 | 2.57 | 2.22 | ||||||||
Asset Yield | % | ... | 4.72 | 3.92 | 3.76 | 3.69 | 3.29 | ||||||||
Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | 5.82 | 5.64 | 5.50 | 5.38 | 5.14 | ||||
Cost Of Liabilities | % | ... | 1.97 | 1.36 | 1.21 | 1.12 | 1.07 | ||||||||
Payout Ratio | % | 0 | 0 | 0 | 0 | 0 | |||||||||
Interest Income (As % Of Revenues) | % | 70.0 | 64.5 | 64.7 | 66.2 | 59.0 | |||||||||
Fee Income (As % Of Revenues) | % | 19.4 | 19.1 | 17.4 | 16.6 | 15.8 | |||||||||
Other Income (As % Of Revenues) | % | 10.6 | 16.3 | 17.9 | 17.2 | 25.2 | |||||||||
Staff Cost (As % Of Total Cost) | % | 50.5 | 48.2 | 49.7 | 47.3 | 55.3 | |||||||||
Equity (As % Of Assets) | % | 10.3 | 9.59 | 8.50 | 9.03 | 9.69 | |||||||||
Equity (As % Of Loans) | % | 14.0 | 12.0 | 11.2 | 12.4 | 14.4 | |||||||||
Loans (As % Of Deposits) | % | 90.3 | 112 | 99.9 | 94.0 | 84.2 | |||||||||
Loans (As % Assets) | % | 73.2 | 80.0 | 76.2 | 72.9 | 67.3 | |||||||||
NPLs (As % Of Loans) | % | 7.90 | 7.60 | 7.72 | 7.40 | 5.44 | |||||||||
Provisions (As % Of NPLs) | % | ... | ... | 58.3 | 71.5 | 66.9 | 67.5 | 73.5 | |||||||
Provisions (As % Of Loans) | % | ... | ... | 4.83 | 5.75 | 5.45 | 5.26 | 4.16 | |||||||
Cost of Provisions (As % Of Loans) | % | ... | 1.10 | 0.779 | 0.749 | 0.658 | 0.883 |
other data | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
Branches | 390 | 508 | 488 | 476 | 674 | ||||||||||
ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | 510 | 412 | 407 | |||
ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 105 | 86.6 | 60.4 | ||
Employees | ... | 5,582 | 8,512 | 8,238 | 7,634 | 11,265 | |||||||||
Employees Per Bank Branch | ... | 14.3 | 16.8 | 16.9 | 16.0 | 16.7 | |||||||||
Cost Per Employee | USD per month | ... | 2,388 | 1,811 | 2,257 | 2,371 | 2,160 | ||||||||
Cost Per Employee (Local Currency) | PLN per month | ... | 7,825 | 6,739 | 9,119 | 9,082 | 7,821 |
customer breakdown | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
Customers | mil | ... | ... | ... | ... | ... | 1.58 | 2.11 | 2.56 | 2.72 | 3.80 | ||||
Market Value per Customer (Local Currency) | PLN | ... | ... | ... | ... | ... | 2,850 | 1,915 | 1,897 | 2,108 | 1,889 | ||||
Revenue per Customer (Local Currency) | PLN | ... | ... | ... | ... | ... | 1,017 | 1,048 | 1,104 | 1,076 | 942 | ||||
Net Profit per Customer (Local Currency) | PLN | ... | ... | ... | ... | ... | 104 | 146 | 74.7 | 114 | 153 | ||||
Loan per Customer (Local Currency) | PLN | ... | ... | ... | ... | ... | 18,814 | 24,772 | 21,480 | 19,473 | 19,320 | ||||
Deposit per Customer (Local Currency) | PLN | ... | ... | ... | ... | ... | 20,828 | 22,051 | 21,511 | 20,709 | 22,945 | ||||
Market Value per Customer | USD | ... | ... | ... | ... | ... | 805 | 491 | 454 | 605 | 502 | ||||
Revenue per Customer | USD | ... | ... | ... | ... | ... | 310 | 282 | 273 | 281 | 260 | ||||
Net Profit per Customer | USD | ... | ... | ... | ... | ... | 31.8 | 39.2 | 18.5 | 29.7 | 42.2 | ||||
Loan per Customer | USD | ... | ... | ... | ... | ... | 5,314 | 6,350 | 5,140 | 5,594 | 5,139 | ||||
Deposit per Customer | USD | ... | ... | ... | ... | ... | 5,883 | 5,652 | 5,147 | 5,949 | 6,103 |
Get all company financials in excel:
By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska made a net profit of PLN 253 mil in the fourth quarter of 2022, up 192% when compared to the same period of last year. This implies a return on equity of 9.14%. Historically, the bank’s net profit reached an all time high of PLN 278 mil in...
By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska made a net profit of PLN 253 mil under revenues of PLN 1,789 mil in the fourth quarter of 2022, up 192% and 29.7% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of ...
By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska's net interest margin amounted to 3.27% in the fourth quarter of 2022, up from 0.343% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.28% in 2Q2022 and an all time low ...
By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska's customer loans reached PLN 92,087 mil in 2022-09-30, up 1.52% compared to the previous year. Polish banking sector provided customer loans of PLN 1,608 bil in 2022-09-30, up 2.03% when compared to the last year. BNP Paribas Bank ...
By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska's retail deposits reached PLN 50,235 mil in 2022-09-30, up 5.91% compared to the previous year. Polish banking sector accepted retail deposits of PLN 973 bil in 2022-09-30, up 2.72% when compared to the last year. BNP Paribas Bank ...
By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska's retail loans reached PLN 39,615 mil in the third quarter of 2022, down 1.47% compared to the previous year. Polish banking sector provided retail loans of PLN 766 bil in 3Q2022, down 1.71% when compared to the last year. BNP Pari...
By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska's loans reached PLN 92,096 mil in the fourth quarter of 2022, down from PLN 95,232 mil when compared to the previous quarter and up from PLN 88,043 mil when compared to the same period of last year. Historically, the bank’s l...
By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska generated total banking revenues of PLN 1,789 mil in the fourth quarter of 2022, up 29.7% when compared to the same period of last year and 169% when compared to the previous quarter. Historically, the bank’s revenues containing of int...
By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska's cost to income ratio reached 52.3% in the fourth quarter of 2022, down from 126% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 126% of income in 3Q2022 and an all time low of 52.3%...
By Helgi Analytics - March 14, 2023
BNP Paribas Bank Polska's corporate deposits reached in 2017-12-31, down 0% compared to the previous year. Polish banking sector accepted corporate deposits of PLN 369 bil in 2017-12-31, up 9.42% when compared to the last year. BNP Paribas Bank Polska ac...
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.
BNP Paribas Bank Polska has been growing its revenues and asset by 16.5% and 15.4% a year on average in the last 10 years. Its loans and deposits have grown by 14.3% and 15.6% a year during that time and loans to deposits ratio reached 84.0% at the end of 2020. The company achieved an average return on equity of 5.58% in the last decade with net profit growing 22.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 53.7% in 2020, compared to 62.1% average in the last decade.
Equity represented 10.1% of total assets or 15.9% of loans at the end of 2020. BNP Paribas Bank Polska's non-performing loans were 5.26% of total loans while provisions covered some 76.8% of NPLs at the end of 2020.
BNP Paribas Bank Polska stock traded at per share at the end of 2020 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 7.90% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 11.5x and price to book value (PBV) of 0.780x in 2020.