BNP Paribas Bulgaria

BNP's total revenues fell 7.84% to BGN 11.5 mil in 2017

By Helgi Analytics - September 20, 2018

BNP Paribas Bulgaria generated total banking revenues of BGN 11.5 mil in 2017, down 7.84% compared to the previous year. B...

BNP's net interest margin fell 6.39% to 0.846% in 2017

By Helgi Analytics - September 3, 2018

BNP Paribas Bulgaria's net interest margin amounted to 0.846% in 2017, down from 0.904% compared to the previous year. His...

BNP's customer deposits fell 0.521% to BGN 727 mil in 2017

By Helgi Analytics - September 3, 2018

BNP Paribas Bulgaria's customer deposits reached BGN 727 mil in 2017, down 0.521% compared to the previous year. Bulgarian bank...

Profit Statement 2015 2016 2017
Net Interest Income BGN mil 7.67 6.96 6.29
Fee Income (As % Of Revenues) % 39.6 43.3 44.6
Other Income BGN mil 0.211 0.098 0.063
Total Revenues BGN mil 13.1 12.4 11.5
Operating Profit BGN mil -8.19 -6.74 -3.12
Provisions BGN mil 0.091 0.425 0.239
Net Profit BGN mil -8.26 -7.12 -3.27
Balance Sheet 2015 2016 2017
Customer Loans BGN mil 658 442 517
Debt Securities BGN mil 6.59 6.25 6.09
Total Assets BGN mil 791 750 736
Shareholders' Equity BGN mil 4.16 -2.96 -6.23
Interbank Borrowing BGN mil 4.06 4.02 4.20
Customer Deposits BGN mil 770 730 727
Issued Debt Securities BGN mil 4.06 4.02 4.20
Ratios 2015 2016 2017
ROE % -99.7 -1,186 71.1
ROA % -1.08 -0.924 -0.439
Costs (As % Of Assets) % 2.77 2.49 1.96
Costs (As % Of Income) % 163 154 127
Net Interest Margin % 0.999 0.904 0.846
Loans (As % Of Deposits) % 85.5 60.5 71.2
Growth Rates 2015 2016 2017
Total Revenue Growth % -4.39 -4.61 -7.84
Operating Cost Growth % 17.6 -9.68 -23.9
Operating Profit Growth % 85.4 -17.7 -53.7
Net Profit Growth % 127 -13.8 -54.2
Customer Loan Growth % 5.65 -32.9 17.2
Total Asset Growth % 6.39 -5.10 -1.93
Customer Deposit Growth % 7.56 -5.11 -0.521
Shareholders' Equity Growth % -66.5 -171 110

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summary Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                      
Net Interest Income BGN mil         11.6 8.95 6.03 6.61 7.67    
Total Revenues BGN mil         19.0 16.0 13.3 13.6 13.1    
Operating Profit BGN mil         3.72 0.255 -0.640 -4.42 -8.19    
Net Profit BGN mil         5.01 0.117 0.165 -3.64 -8.26    
balance sheet                      
Customer Loans BGN mil         434 334 418 623 658    
Debt Securities BGN mil         7.32 10.4 5.23 6.20 6.59    
Total Assets BGN mil         485 403 453 743 791    
Shareholders' Equity BGN mil         23.1 15.9 16.0 12.4 4.16    
Interbank Borrowing BGN mil         0 0 0 0 4.06    
Customer Deposits BGN mil         446 372 421 716 770    
Issued Debt Securities BGN mil         0.640 1.50 0.870 3.70 4.06    
ratios                      
ROE %         24.3 0.601 1.04 -25.6 -99.7    
ROA %         1.04 0.026 0.039 -0.608 -1.08    
Costs (As % Of Assets) %         3.16 3.55 3.25 3.02 2.77    
Costs (As % Of Income) %         80.4 98.4 105 132 163    
Net Interest Margin %         2.41 2.02 1.41 1.10 0.999    
Interest Income (As % Of Revenues) %         61.3 56.0 45.4 48.4 58.7    
Fee Income (As % Of Revenues) %         32.0 35.0 41.9 33.2 39.6    
Equity (As % Of Assets) %         4.77 3.94 3.53 1.67 0.526    
Loans (As % Of Deposits) %         97.3 89.8 99.1 87.0 85.5    
Loans (As % Assets) %         89.5 82.8 92.1 83.8 83.2    
income statement Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                      
Interest Income BGN mil         15.3 10.9 7.80 12.2 12.8    
Interest Cost BGN mil         3.64 1.94 1.77 5.58 5.14    
Net Interest Income BGN mil         11.6 8.95 6.03 6.61 7.67    
Net Fee Income BGN mil         6.07 5.60 5.57 4.53 5.17    
Other Income BGN mil         1.27 1.44 1.68 2.52 0.211    
Total Revenues BGN mil         19.0 16.0 13.3 13.6 13.1    
Depreciation BGN mil         0.424 0.241 0.171 0.257 0.242    
Operating Cost BGN mil         15.3 15.7 13.9 18.1 21.2    
Operating Profit BGN mil         3.72 0.255 -0.640 -4.42 -8.19    
Provisions BGN mil         -1.84 0.153 -0.811 -0.804 0.091    
Extra and Other Cost BGN mil         -0.019 -0.020 -0.022 -0.022 -0.014    
Pre-Tax Profit BGN mil         5.58 0.122 0.193 -3.59 -8.27    
Tax BGN mil         0.571 0.005 0.028 0.044 -0.007    
Minorities BGN mil         0 0 0 0 0    
Net Profit BGN mil         5.01 0.117 0.165 -3.64 -8.26    
growth rates                      
Net Interest Income Growth % ...       0.527 -23.0 -32.7 9.57 16.0    
Net Fee Income Growth % ...       -7.10 -7.84 -0.589 -18.6 14.3    
Total Revenue Growth % ...       -3.32 -15.7 -17.0 2.85 -4.39    
Operating Cost Growth % ...       3.13 3.17 -11.6 29.9 17.6    
Operating Profit Growth % ...       -23.1 -93.1 -351 591 85.4    
Pre-Tax Profit Growth % ...       107 -97.8 58.2 -1,962 130    
Net Profit Growth % ...       108 -97.7 41.0 -2,305 127    
market share                      
Market Share in Revenues %         0.483 0.419 0.358 0.350 0.316    
Market Share in Net Profit %         1.06 0.022 0.033 ... ... ... ...
balance sheet Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                      
Cash BGN mil         42.7 56.3 28.5 113 125    
Customer Loans BGN mil         434 334 418 623 658    
Debt Securities BGN mil         7.32 10.4 5.23 6.20 6.59    
Fixed Assets BGN mil         0.531 0.427 0.665 0.548 0.455    
Total Assets BGN mil         485 403 453 743 791    
Shareholders' Equity BGN mil         23.1 15.9 16.0 12.4 4.16    
Of Which Minority Interest BGN mil         0 0 0 0 0    
Liabilities BGN mil         462 387 437 731 787    
Interbank Borrowing BGN mil         0 0 0 0 4.06    
Customer Deposits BGN mil         446 372 421 716 770    
Issued Debt Securities BGN mil         0.640 1.50 0.870 3.70 4.06    
Other Liabilities BGN mil         0 0 0 0 0    
growth rates                      
Customer Loan Growth % ...       -2.80 -23.0 25.2 49.1 5.65    
Total Asset Growth % ...       0.800 -16.8 12.4 64.0 6.39    
Shareholders' Equity Growth % ...       27.7 -31.3 0.706 -22.3 -66.5    
Customer Deposit Growth % ...       -2.06 -16.6 13.4 69.8 7.56    
market share                      
Market Share in Customer Loans %         0.800 0.599 0.748 1.21 1.30    
Market Share in Total Assets %         0.806 0.625 0.650 1.06 1.04    
Market Share in Customer Deposits %         0.834 0.642 0.670 1.11 1.15    
ratios Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                      
ROE %         24.3 0.601 1.04 -25.6 -99.7    
ROA %         1.04 0.026 0.039 -0.608 -1.08    
Costs (As % Of Assets) %         3.16 3.55 3.25 3.02 2.77    
Costs (As % Of Income) %         80.4 98.4 105 132 163    
Net Interest Margin %         2.41 2.02 1.41 1.10 0.999    
Interest Spread % ...       2.38 2.00 1.39 1.08 0.992    
Asset Yield %         3.16 2.45 1.82 2.04 1.67    
Cost Of Liabilities % ...       0.788 0.457 0.430 0.956 0.677    
Interest Income (As % Of Revenues) %         61.3 56.0 45.4 48.4 58.7    
Fee Income (As % Of Revenues) %         32.0 35.0 41.9 33.2 39.6    
Other Income (As % Of Revenues) %         6.69 9.01 12.6 18.4 1.62    
Equity (As % Of Assets) %         4.77 3.94 3.53 1.67 0.526    
Loans (As % Of Deposits) %         97.3 89.8 99.1 87.0 85.5    
Loans (As % Assets) %         89.5 82.8 92.1 83.8 83.2    
Cost of Provisions (As % Of Loans) %         -0.419 0.040 -0.216 -0.155 0.014    

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BNP's net profit rose 54.2% to BGN -3.27 mil in 2017

By Helgi Analytics - September 3, 2018

BNP Paribas Bulgaria made a net profit of BGN -3.27 mil under revenues of BGN 11.5 mil in 2017, up 54.2% and -7.84% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of BGN 12.6 mil in 2008 and an all time low of ...

BNP's customer loans rose 17.2% to BGN 517 mil in 2017

By Helgi Analytics - September 3, 2018

BNP Paribas Bulgaria's customer loans reached BGN 517 mil in 2017, up 17.2% compared to the previous year. Bulgarian banking sector provided customer loans of BGN 59.7 bil in 2017, up 6.73% when compared to the last year. BNP Paribas Bulgaria accounted fo...

BNP's net interest income fell 9.72% to BGN 6.29 mil in 2017

By Helgi Analytics - September 3, 2018

BNP Paribas Bulgaria generated total banking revenues of BGN 11.5 mil in 2017, down 7.84% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of BGN 24.6 mil in 2008...

BNP's customer loan growth rose 152% to 17.2% in 2017

By Helgi Analytics - September 3, 2018

BNP Paribas Bulgaria's customer loan growth reached 17.2% in 2017, up from -32.9% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 49.1% in 2014 and an all time low of -43.3% in 2009. In the last decade, the...

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Finance

BNP Paribas Bulgaria has been growing its revenues and asset by -5.63% and -0.329% a year on average in the last 3 years. Its loans and deposits have grown by -5.99% and 0.507% a year during that time and loans to deposits ratio reached 71.2% at the end of 2017. The company achieved an average return on equity of -405% in the last three years with net profit growing -3.53% a year on average. In terms of operating efficiency, its cost to income ratio reached 127% in 2017, compared to 148% average in the last three years.

Equity represented -0.846% of total assets or -1.20% of loans at the end of 2017. BNP Paribas Bulgaria's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.