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BNP Paribas Bank Polska

BNP Polska's mortgage loans rose 6.33% yoy to PLN 27,215 mil in 3Q2022

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...

BNP Polska's npls (as % of loans) fell 9.91% yoy to 3.28% in 4Q2022

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...

BNP Polska's customer deposits rose 15.8% yoy to PLN 114,680 mil in 3Q2022

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...

Annual Quarterly
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

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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    

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BNP Polska's net profit rose 192% yoy to PLN 253 mil in 4Q2022

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...

BNP Polska's net profit rose 192% yoy to PLN 253 mil in 4Q2022

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 ...

BNP Polska's net interest margin rose 22.6% yoy to 3.27% in 4Q2022

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 ...

BNP Polska's customer loans rose 12.1% yoy to PLN 92,087 mil in 3Q2022

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 ...

BNP Polska's retail deposits rose 15.5% yoy to PLN 50,235 mil in 3Q2022

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 ...

BNP Polska's retail loans rose 5.12% yoy to PLN 39,615 mil in 3Q2022

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...

BNP Polska's corporate loans rose 8.18% yoy to PLN 53,252 mil in 4Q2022

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...

BNP Polska's net interest income rose 40.8% yoy to PLN 1,217 mil in 4Q2022

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...

BNP Polska's costs (as % of assets) fell 7.75% yoy to 2.51% in 4Q2022

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%...

BNP Polska's corporate deposits rose 11.7% yoy to PLN 58,646 mil in 3Q2022

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...

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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.

Finance

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.

Valuation

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.

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