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BNP Paribas Bank Polska

BNP Polska's net profit rose 78.4% yoy to PLN 460 mil in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska made a net profit of PLN 460 mil in the second quarter of 2023, up 78.4% when compared to the same period...

BNP Polska's net profit rose 78.4% yoy to PLN 460 mil in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska made a net profit of PLN 460 mil under revenues of PLN 1,823 mil in the second quarter of 2023, up 78.4% and ...

BNP Polska's npls (as % of loans) fell 0.448% yoy to 3.15% in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska's non-performing loans reached 3.15% of total loans at the end of 2023-06-30, down from 3.16% compared to...

Annual Quarterly
Profit Statement 2020 2021 2022
Net Interest Income PLN mil 3,070 3,141 3,493
Net Fee Income PLN mil 916 1,049 1,137
Other Income PLN mil 1,097 619 722
Total Revenues PLN mil 5,083 4,809 5,352
Staff Cost PLN mil 1,183 1,184 1,261
Operating Profit PLN mil 2,355 2,266 2,313
Provisions PLN mil 601 1,311 1,015
Net Profit PLN mil 820 176 441
Balance Sheet 2020 2021 2022
Interbank Loans PLN mil 775 2,615 11,800
Customer Loans PLN mil 75,637 85,080 89,090
Investments PLN mil 33,961 32,759 39,869
Total Assets PLN mil 119,577 131,777 151,517
Shareholders' Equity PLN mil 12,031 11,362 11,262
Interbank Borrowing PLN mil 6,910 8,012 7,158
Customer Deposits PLN mil 90,051 101,093 120,021
Issued Debt Securities PLN mil 6,594 5,057 4,782
Ratios 2020 2021 2022
ROE % 7.07 1.51 3.90
ROA % 0.715 0.140 0.312
Costs (As % Of Assets) % 2.38 2.02 2.15
Costs (As % Of Income) % 53.7 52.9 56.8
Capital Adequacy Ratio % 18.7 16.9 15.6
Net Interest Margin % 2.67 2.50 2.47
Loans (As % Of Deposits) % 84.0 84.2 74.2
NPLs (As % Of Loans) % 5.26 3.64 3.28
Provisions (As % Of NPLs) % 76.8 92.4 99.5
Valuation 2020 2021 2022
Market Capitalisation USD mil 2,509 3,323 1,672
Number Of Shares mil 148 148 148
Share Price PLN 63.6 91.2 56.0
Price/Earnings (P/E) 11.5 76.5 18.8
Price/Book Value (P/BV) 0.780 1.19 0.736
Dividend Yield % 0 0 0
Earnings Per Share (EPS) PLN 5.55 1.19 2.98
Book Value Per Share PLN 81.5 76.8 76.1
Dividend Per Share PLN 0 0 0

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summary Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                    
Net Interest Income PLN mil ... ...                   1,832 1,937 2,112 3,175 3,070    
Total Revenues PLN mil ... ...                   2,832 2,928 3,580 5,000 5,083    
Operating Profit PLN mil ... ...                   1,019 1,168 1,668 2,400 2,355    
Net Profit PLN mil ... ...                   192 310 580 1,071 820    
balance sheet                                    
Interbank Loans PLN mil ... ...                   1,234 2,604 961 679 775    
Customer Loans PLN mil ... ...                   55,076 52,968 73,414 73,811 75,637    
Investments PLN mil ... ...                   12,552 13,977 28,075 26,168 33,961    
Total Assets PLN mil ... ...                   72,305 72,655 109,023 109,954 119,577    
                                       
Shareholders' Equity PLN mil ... ...                   6,147 6,559 10,560 11,159 12,031    
Interbank Borrowing PLN mil ... ...                   7,309 3,891 3,976 4,485 6,910    
Customer Deposits PLN mil ... ...                   55,155 56,329 87,192 86,135 90,051    
Issued Debt Securities PLN mil ... ...                   2,167 4,117 4,055 4,663 6,594    
ratios                                    
ROE % ... ... ...                 3.09 4.88 6.77 9.86 7.07    
ROA % ... ... ...                 0.278 0.428 0.638 0.978 0.715    
Costs (As % Of Assets) % ... ... ...                 2.63 2.43 2.10 2.38 2.38    
Costs (As % Of Income) % ... ...                   64.0 60.1 53.4 52.0 53.7    
Capital Adequacy Ratio % ... ...                   14.4 13.8 14.6 15.1 18.7    
Net Interest Margin % ... ... ...                 2.66 2.67 2.32 2.90 2.67    
Interest Income (As % Of Revenues) % ... ...                   64.7 66.2 59.0 63.5 60.4    
Fee Income (As % Of Revenues) % ... ...                   17.4 16.6 15.8 16.4 18.0    
Staff Cost (As % Of Total Cost) % ... ...                   49.7 47.3 55.3 52.6 43.4    
Equity (As % Of Assets) % ... ...                   8.50 9.03 9.69 10.1 10.1    
Loans (As % Of Deposits) % ... ...                   99.9 94.0 84.2 85.7 84.0    
Loans (As % Assets) % ... ...                   76.2 72.9 67.3 67.1 63.3    
NPLs (As % Of Loans) % ... ...                   7.72 7.40 5.44 5.56 5.26    
Provisions (As % Of NPLs) % ... ...                   66.9 67.5 73.5 75.4 76.8    
valuation                                    
Market Capitalisation USD mil ... ... ... ... ... ...           1,164 1,647 1,909 2,645 2,509    
Number Of Shares mil ... ...                   84.2 84.2 99.3 147 148    
Share Price PLN ... ... ... ... ... ...           57.7 67.9 48.5 68.0 63.6    
Earnings Per Share (EPS) PLN ... ...                   2.27 3.68 5.84 7.27 5.55    
Book Value Per Share PLN ... ...                   73.0 77.9 106 75.7 81.5    
Dividend Per Share PLN ... ...                   0 0 0 0 0    
Price/Earnings (P/E) ... ... ... ... ... ...           25.4 18.5 8.31 9.36 11.5    
Price/Book Value (P/BV) ... ... ... ... ... ...           0.791 0.872 0.456 0.898 0.780    
Dividend Yield % ... ... ... ... ... ...           0 0 0 0 0    
Earnings Per Share Growth % ... ... ...                 -44.5 61.7 58.7 24.5 -23.6    
Book Value Per Share Growth % ... ... ...                 -12.6 6.71 36.5 -28.8 7.71    
income statement Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                    
Interest Income PLN mil ... ...                   2,590 2,676 2,989 4,194 3,612    
Interest Cost PLN mil ... ...                   758 738 877 1,019 543    
Net Interest Income PLN mil ... ...                   1,832 1,937 2,112 3,175 3,070    
Net Fee Income PLN mil ... ...                   493 486 567 820 916    
Fee Income PLN mil ... ...                   608 601 725 1,060 1,132    
Fee Expense PLN mil ... ...                   115 116 157 240 216    
Other Income PLN mil ... ...                   507 505 901 1,006 1,097    
Insurance Premium Earned PLN mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Total Revenues PLN mil ... ...                   2,832 2,928 3,580 5,000 5,083    
Staff Cost PLN mil ... ...                   901 832 1,057 1,369 1,183    
Depreciation PLN mil ... ...                   82.1 87.6 91.0 226 235    
Other Cost PLN mil ... ...                   829 841 764 1,006 1,310    
Operating Cost PLN mil ... ...                   1,813 1,760 1,912 2,601 2,728    
Operating Profit PLN mil ... ...                   1,019 1,168 1,668 2,400 2,355    
Provisions PLN mil ... ...                   402 355 558 442 601    
Extra and Other Cost PLN mil ... ...                   301 321 370 521 535    
Pre-Tax Profit PLN mil ... ...                   316 491 740 1,436 1,218    
Tax PLN mil ... ...                   125 181 160 365 398    
Minorities PLN mil ... ...                   0 0 0 0 0    
Net Profit PLN mil ... ...                   192 310 580 1,071 820    
Net Profit Avail. to Common PLN mil ... ...                   192 310 580 1,071 820    
Dividends PLN mil ... ...                   0 0 0 0 0    
growth rates                                    
Net Interest Income Growth % ... ... ...                 28.4 5.74 9.01 50.3 -3.31    
Net Fee Income Growth % ... ... ...                 16.7 -1.47 16.8 44.5 11.7    
Total Revenue Growth % ... ... ...                 28.1 3.39 22.3 39.7 1.65    
Operating Cost Growth % ... ... ...                 27.0 -2.91 8.64 36.0 4.90    
Operating Profit Growth % ... ... ...                 30.1 14.6 42.8 43.9 -1.88    
Pre-Tax Profit Growth % ... ... ...                 -19.6 55.3 50.6 94.1 -15.2    
Net Profit Growth % ... ... ...                 -37.8 61.7 87.1 84.7 -23.4    
market share                                    
Market Share in Revenues % ... ...                   4.79 4.73 5.56 7.10 8.23   ...
Market Share in Net Profit % ... ...                   1.38 2.27 4.44 7.78 -243    
Market Share in Employees % ... ...                   4.88 4.64 6.93 6.65 6.05    
Market Share in Bank Cards % ... ... ... ... ...     ... ...     ... ... ... ... ... ... ...
Market Share in Debit Cards % ... ... ... ... ...     ... ...     ... ... ... ... ... ... ...
Market Share in Credit Cards % ... ... ... ... ...     ... ...     ... ... ... ... ... ... ...
Market Share in Branches % ... ...                   3.58 3.44 5.33 4.19 4.40 ... ...
balance sheet Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
balance sheet                                    
Cash & Cash Equivalents PLN mil ... ...                   1,303 998 2,897 4,658 3,422    
Interbank Loans PLN mil ... ...                   1,234 2,604 961 679 775    
Customer Loans PLN mil ... ...                   55,076 52,968 73,414 73,811 75,637    
Retail Loans PLN mil ... ...                   31,476 20,939 27,002 29,998 33,802    
Mortgage Loans PLN mil ... ... ... ...               15,006 13,628 16,055 18,527 22,560    
Consumer Loans PLN mil ... ... ... ...               16,471 7,311 10,947 11,471 11,242    
Corporate Loans PLN mil ... ...                   15,127 14,952 15,294 14,297 14,048    
Investments PLN mil ... ...                   12,552 13,977 28,075 26,168 33,961    
Property and Equipment PLN mil ... ...                   546 501 511 1,227 1,480    
Intangible Assets PLN mil ... ...                   247 288 521 520 652    
Goodwill PLN mil ... ... ... ...               0 0 0 0 0    
Total Assets PLN mil ... ...                   72,305 72,655 109,023 109,954 119,577    
                                       
Shareholders' Equity PLN mil ... ...                   6,147 6,559 10,560 11,159 12,031    
Of Which Minority Interest PLN mil ... ...                   0 0 0 0 0    
Liabilities PLN mil ... ...                   66,158 66,096 98,463 98,795 107,547    
Interbank Borrowing PLN mil ... ...                   7,309 3,891 3,976 4,485 6,910    
Customer Deposits PLN mil ... ...                   55,155 56,329 87,192 86,135 90,051    
Retail Deposits PLN mil ... ...                   27,527 27,650 44,753 42,350 43,579    
Corporate Deposits PLN mil ... ...                   26,810 27,773 41,391 42,783 45,206    
Sight Deposits PLN mil ... ...                   27,614 30,335 55,491 57,678 78,495    
Term Deposits PLN mil ... ...                   25,116 24,033 30,239 27,372 10,384    
Issued Debt Securities PLN mil ... ...                   2,167 4,117 4,055 4,663 6,594    
Subordinated Debt PLN mil ... ... ... ... ... ... ...         1,768 1,645 1,876 1,882 4,307    
Other Liabilities PLN mil ... ...                   1,528 1,759 3,239 3,511 3,993    
asset quality                                    
Non-Performing Loans PLN mil ... ...                   4,484 4,123 4,158 4,280 4,149    
Gross Loans PLN mil ... ...                   58,077 55,752 76,471 77,039 78,824    
Risk-Weighted Assets PLN mil ... ... ... ... ... ...           52,914 55,925 83,451 83,692 84,448    
Total Provisions PLN mil ... ...                   3,001 2,785 3,057 3,228 3,187    
growth rates                                    
Customer Loan Growth % ... ... ...                 5.37 -3.83 38.6 0.541 2.47    
Retail Loan Growth % ... ... ...                 3.64 -33.5 29.0 11.1 12.7    
Mortgage Loan Growth % ... ... ... ... ...             1.92 -9.18 17.8 15.4 21.8    
Consumer Loan Growth % ... ... ... ... ...             5.25 -55.6 49.7 4.78 -1.99    
Corporate Loan Growth % ... ... ...                 6.89 -1.16 2.29 -6.52 -1.74    
Total Asset Growth % ... ... ...                 10.6 0.485 50.1 0.855 8.75    
Shareholders' Equity Growth % ... ... ...                 -1.94 6.71 61.0 5.68 7.81    
Customer Deposit Growth % ... ... ...                 18.5 2.13 54.8 -1.21 4.55    
Retail Deposit Growth % ... ... ...                 14.3 0.446 61.9 -5.37 2.90    
Corporate Deposit Growth % ... ... ...                 23.2 3.59 49.0 3.36 5.66    
market share                                    
Market Share in Customer Loans % ... ...                   4.71 4.38 5.50 5.30 5.40    
Market Share in Corporate Loans % ... ...                   4.39 4.09 4.10 3.73 3.83    
Market Share in Retail Loans % ... ...                   4.80 3.14 3.84 4.05 4.45    
Market Share in Consumer Loans % ... ... ... ...               6.33 2.63 3.41 3.39 3.36    
Market Share in Mortgage Loans % ... ... ... ...               3.78 3.49 4.20 4.61 5.32    
Market Share in Total Assets % ... ...                   4.33 4.20 5.78 5.52 5.11    
Market Share in Customer Deposits % ... ...                   4.57 4.46 6.40 5.83 5.35    
Market Share in Retail Deposits % ... ...                   4.11 3.99 5.88 5.09 4.85    
Market Share in Corporate Deposits % ... ... ... ... ...             7.62 7.53 10.6 9.96 8.60    
ratios Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                     
ROE % ... ... ...                 3.09 4.88 6.77 9.86 7.07    
ROTE % ... ... ...                 3.22 5.09 7.11 10.4 7.45    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ...         2.48 3.80 5.55 8.54 6.50    
ROA % ... ... ...                 0.278 0.428 0.638 0.978 0.715    
Return on Loans % ... ... ...                 0.357 0.574 0.918 1.45 1.10    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ...         1.98 2.15 2.39 2.87 2.80    
Costs (As % Of Assets) % ... ... ...                 2.63 2.43 2.10 2.38 2.38    
Costs (As % Of Income) % ... ...                   64.0 60.1 53.4 52.0 53.7    
Costs (As % Of Loans) % ... ... ...                 3.38 3.26 3.03 3.53 3.65    
Costs (As % Of Loans & Deposits) % ... ... ...                 1.73 1.60 1.42 1.62 1.68    
Capital Adequacy Ratio % ... ...                   14.4 13.8 14.6 15.1 18.7    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ... ...   11.1 10.8 12.4 12.8 13.6    
Net Interest Margin % ... ... ...                 2.66 2.67 2.32 2.90 2.67    
Interest Spread % ... ... ...                 2.55 2.57 2.22 2.80 2.62    
Asset Yield % ... ... ...                 3.76 3.69 3.29 3.83 3.15    
Revenues (As % of RWA) % ... ... ... ... ... ... ...         5.50 5.38 5.14 5.98 6.05    
Cost Of Liabilities % ... ... ...                 1.21 1.12 1.07 1.03 0.526    
Payout Ratio % ... ...                   0 0 0 0 0    
Interest Income (As % Of Revenues) % ... ...                   64.7 66.2 59.0 63.5 60.4    
Fee Income (As % Of Revenues) % ... ...                   17.4 16.6 15.8 16.4 18.0    
Other Income (As % Of Revenues) % ... ...                   17.9 17.2 25.2 20.1 21.6    
Staff Cost (As % Of Total Cost) % ... ...                   49.7 47.3 55.3 52.6 43.4    
Equity (As % Of Assets) % ... ...                   8.50 9.03 9.69 10.1 10.1    
Equity (As % Of Loans) % ... ...                   11.2 12.4 14.4 15.1 15.9    
Loans (As % Of Deposits) % ... ...                   99.9 94.0 84.2 85.7 84.0    
Loans (As % Assets) % ... ...                   76.2 72.9 67.3 67.1 63.3    
NPLs (As % Of Loans) % ... ...                   7.72 7.40 5.44 5.56 5.26    
Provisions (As % Of NPLs) % ... ...                   66.9 67.5 73.5 75.4 76.8    
Provisions (As % Of Loans) % ... ...                   5.45 5.26 4.16 4.37 4.21    
Cost of Provisions (As % Of Loans) % ... ... ...                 0.749 0.658 0.883 0.600 0.805    
other data Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                     
Branches ... ...                   488 476 674 514 459    
ATMs ... ... ... ... ... ... ... ... ... ... ... 510 412 407 416 602 ... ...
ATMs (As % of Bank Branches) % ... ... ... ... ... ... ... ... ... ... ... 105 86.6 60.4 80.9 131 ... ...
Employees ... ...                   8,238 7,634 11,265 10,437 9,019    
Employees Per Bank Branch ... ...                   16.9 16.0 16.7 20.3 19.6    
Cost Per Employee USD per month ... ...                   2,257 2,371 2,160 2,892 2,803    
Cost Per Employee (Local Currency) PLN per month ... ...                   9,119 9,082 7,821 10,929 10,931    
Revenues From Abroad PLN mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Profit From Abroad PLN mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Revenues From Abroad (As % Of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Profit From Abroad (As % Of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Insurance Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Insurance Fee Income (As % of Loans) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
customer breakdown Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                     
Customers mil                       2.56 2.72 3.80 3.89 3.94    
Number of Accounts mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Payment Cards mil ... ... ... ... ...     ... ...     ... ... ... ... ... ... ...
Debit Cards mil ... ... ... ... ...     ... ...     ... ... ... ... ... ... ...
Credit Cards mil ... ... ... ... ...     ... ...     ... ... ... ... ... ... ...
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Number of Consumer Loans mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Average Size of Deposit PLN ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Average Size of Mortgage Loan PLN ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Average Size of Consumer Loan PLN ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Accounts (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Consumer Loans (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Payments Cards (As % of Total Clients) % ... ... ... ... ...     ... ...     ... ... ... ... ... ... ...
Debit Cards (As % of Total Clients) % ... ... ... ... ...     ... ...     ... ... ... ... ... ... ...
Credit Cards (As % of Total Clients) % ... ... ... ... ...     ... ...     ... ... ... ... ... ... ...
                                       
Market Value per Customer (Local Currency) PLN ... ... ... ... ... ...           1,897 2,108 1,889 2,584 2,395    
Revenue per Customer (Local Currency) PLN ... ...                   1,104 1,076 942 1,286 1,291    
Net Profit per Customer (Local Currency) PLN ... ...                   74.7 114 153 276 208    
Loan per Customer (Local Currency) PLN ... ...                   21,480 19,473 19,319 18,989 19,207    
Deposit per Customer (Local Currency) PLN ... ...                   21,511 20,709 22,945 22,160 22,867    
Market Value per Customer USD ... ... ... ... ... ...           454 605 502 680 637    
Revenue per Customer USD ... ...                   273 281 260 340 331    
Net Profit per Customer USD ... ...                   18.5 29.7 42.2 72.9 53.4    
Loan per Customer USD ... ...                   5,140 5,594 5,139 5,000 5,110    
Deposit per Customer USD ... ...                   5,147 5,949 6,103 5,835 6,084    

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BNP Polska's total revenues rose 16.4% yoy to PLN 1,823 mil in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska generated total banking revenues of PLN 1,823 mil in 2023-06-30, up 5.47% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 26,662 mil in 2023-06-30, down 4.41% when compared to...

BNP Polska's mortgage loans fell 9.32% yoy to PLN 25,271 mil in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska's mortgage loans reached PLN 25,271 mil in 2023-06-30, down 2.66% compared to the previous year. Polish banking sector provided mortgage loans of PLN 445 bil in 2023-06-30, down 1.64% when compared to the last year. BNP Paribas Ban...

BNP Polska's net interest margin rose 1.21% yoy to 3.32% in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska's net interest margin amounted to 3.32% in the second quarter of 2023, up from 3.20% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.32% in 2Q2023 and an all time low o...

BNP Polska's customer deposits rose 7.77% yoy to PLN 117,912 mil in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska's customer deposits reached PLN 117,912 mil in 2023-06-30, up 0.855% compared to the previous year. Polish banking sector accepted customer deposits of PLN 2,045 bil in 2023-06-30, up 2.00% when compared to the last year. BNP Parib...

BNP Polska's customer loans fell 3.22% yoy to PLN 87,788 mil in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska's customer loans reached PLN 87,788 mil in 2023-06-30, down 0.683% compared to the previous year. Polish banking sector provided customer loans of PLN 1,584 bil in 2023-06-30, down 0.064% when compared to the last year. BNP Paribas...

BNP Polska's corporate deposits rose 12.7% yoy to PLN 66,777 mil in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska's corporate deposits reached PLN 66,777 mil in 2023-06-30, up 0.883% compared to the previous year. Polish banking sector accepted corporate deposits of PLN 634 bil in 2023-06-30, up 0.855% when compared to the last year. BNP Parib...

BNP Polska's retail deposits rose 1.41% yoy to PLN 48,102 mil in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska's retail deposits reached PLN 48,102 mil in 2023-06-30, up 0.338% compared to the previous year. Polish banking sector accepted retail deposits of PLN 1,068 bil in 2023-06-30, up 1.91% when compared to the last year. BNP Paribas Ba...

BNP Polska's retail loans fell 6.70% yoy to PLN 37,513 mil in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska's retail loans reached PLN 37,513 mil in the second quarter of 2023, down 1.33% compared to the previous year. Polish banking sector provided retail loans of PLN 722 bil in 2Q2023, down 0.570% when compared to the last year. BNP Pa...

BNP Polska's corporate loans fell 0.781% yoy to PLN 53,056 mil in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska's loans reached PLN 90,632 mil in the second quarter of 2023, down from PLN 91,328 mil when compared to the previous quarter and down from PLN 93,744 mil when compared to the same period of last year. Historically, the bank’s...

BNP Polska's net interest income rose 7.85% yoy to PLN 1,240 mil in 2Q2023

By Helgi Library - September 14, 2023

BNP Paribas Bank Polska generated total banking revenues of PLN 1,823 mil in the second quarter of 2023, up 16.4% when compared to the same period of last year and 5.47% when compared to the previous quarter. Historically, the bank’s revenues containing of in...

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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.

BNP Paribas Bank Polska Logo

Finance

BNP Paribas Bank Polska has been growing its revenues and asset by 13.2% and 15.1% a year on average in the last 10 years. Its loans and deposits have grown by 13.0% and 16.1% a year during that time and loans to deposits ratio reached 74.2% at the end of 2022. The company achieved an average return on equity of 5.19% in the last decade with net profit growing 12.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 56.8% in 2022, compared to 58.9% average in the last decade.

Equity represented 7.43% of total assets or 12.6% of loans at the end of 2022. BNP Paribas Bank Polska's non-performing loans were 3.28% of total loans while provisions covered some 99.5% of NPLs at the end of 2022.

Valuation

BNP Paribas Bank Polska stock traded at per share at the end of 2022 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 4.16% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 18.8x and price to book value (PBV) of 0.736x in 2022.

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