BNP Paribas Personal Finance

BNP Paribas Personal Finance's net interest margin rose 7.97% to 4.10% in 2018

By Helgi Analytics - November 05, 2019

BNP Paribas Personal Finance's net interest margin amounted to 4.10% in 2018, up from 3.80% compared to the previous year. ...

BNP Paribas Personal Finance's net profit fell 0.432% to EUR 691 mil in 2018

By Helgi Analytics - November 05, 2019

BNP Paribas Personal Finance made a net profit of EUR 691 mil under revenues of EUR 4,615 mil in 2018, up -0.432% and 7.68% respectiv...

BNP Paribas Personal Finance's npls (as % of loans) fell 5.22% to 7.02% in 2018

By Helgi Analytics - November 05, 2019

BNP Paribas Personal Finance's non-performing loans reached 7.02% of total loans at the end of 2018, down from 7.41% compared to ...

Profit Statement 2016 2017 2018
Net Interest Income EUR mil 3,442 3,530 3,892
Fee Income (As % Of Revenues) % 18.3 17.1 15.0
Other Income EUR mil 53.0 25.0 33.0
Total Revenues EUR mil 4,277 4,286 4,615
Staff Cost EUR mil 983 1,027 1,162
Operating Profit EUR mil 2,068 1,964 2,111
Provisions EUR mil 980 955 1,027
Net Profit EUR mil 618 694 691
Balance Sheet 2016 2017 2018
Interbank Loans EUR mil 11,689 11,210 6,997
Customer Loans EUR mil 73,042 75,385 81,043
Debt Securities EUR mil 1,928 1,225 1,181
Total Assets EUR mil 91,583 94,117 95,519
Shareholders' Equity EUR mil 8,229 8,214 8,739
Interbank Borrowing EUR mil 76,976 71,220 76,372
Customer Deposits EUR mil 1,342 3,500 2,965
Issued Debt Securities EUR mil 4,062 8,195 4,420
Ratios 2016 2017 2018
ROE % 7.78 8.44 8.15
ROA % 0.679 0.747 0.729
Costs (As % Of Assets) % 2.43 2.50 2.64
Costs (As % Of Income) % 51.6 54.2 54.3
Net Interest Margin % 3.78 3.80 4.10
Loans (As % Of Deposits) % 5,443 2,154 2,733
NPLs (As % Of Loans) % 7.58 7.41 7.02
Provisions (As % Of NPLs) % 80.9 70.0 67.6
Growth Rates 2016 2017 2018
Total Revenue Growth % -4.57 0.210 7.68
Operating Cost Growth % -3.96 5.12 7.84
Operating Profit Growth % -5.22 -5.03 7.48
Net Profit Growth % 9.57 12.3 -0.432
Customer Loan Growth % 3.88 3.21 7.51
Total Asset Growth % 1.24 2.77 1.49
Customer Deposit Growth % -3.38 161 -15.3
Shareholders' Equity Growth % 7.57 -0.182 6.39
Employees ... ... ...

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summary Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                          
Net Interest Income EUR mil ...           3,443 2,856 3,106 3,561 3,442    
Total Revenues EUR mil ...           4,380 3,576 3,928 4,482 4,277    
Operating Profit EUR mil ...           2,357 1,803 1,961 2,182 2,068    
Net Profit EUR mil ...           519 321 484 564 618    
balance sheet                          
Interbank Loans EUR mil ...           13,380 13,703 17,216 13,516 11,689    
Customer Loans EUR mil ...           74,140 63,487 70,626 70,311 73,042    
Debt Securities EUR mil ...           2,974 2,878 2,797 1,918 1,928    
Total Assets EUR mil ...           93,559 82,827 94,007 90,458 91,583    
Shareholders' Equity EUR mil ...           5,840 5,594 6,424 7,650 8,229    
Interbank Borrowing EUR mil ...           76,713 69,078 77,615 74,730 76,976    
Customer Deposits EUR mil ...           660 847 1,498 1,389 1,342    
Issued Debt Securities EUR mil ...           9,678 6,944 7,572 5,836 4,062    
ratios                          
ROE % ...           8.57 5.61 8.05 8.01 7.78    
ROA % ...           0.541 0.364 0.547 0.611 0.679    
Costs (As % Of Assets) % ...           2.11 2.01 2.22 2.49 2.43    
Costs (As % Of Income) % ...           46.2 49.6 50.1 51.3 51.6    
Net Interest Margin % ...           3.59 3.24 3.51 3.86 3.78    
Interest Income (As % Of Revenues) % ...           78.6 79.9 79.1 79.5 80.5    
Fee Income (As % Of Revenues) % ...           20.6 20.3 20.1 19.1 18.3    
Staff Cost (As % Of Total Cost) % ...           29.7 43.0 42.7 43.6 44.5    
Equity (As % Of Assets) % ...           6.24 6.75 6.83 8.46 8.99    
Loans (As % Of Deposits) % ...           11,233 7,496 4,715 5,062 5,443    
Loans (As % Assets) % ...           79.2 76.7 75.1 77.7 79.8    
NPLs (As % Of Loans) % ...           6.37 8.13 7.47 7.66 7.58    
Provisions (As % Of NPLs) % ...           115 80.0 80.1 79.6 80.9    
valuation                          
Number Of Shares (Average) mil ... ... ... ... ... ... ... ... ... ... ...    
Earnings Per Share (EPS) ... ... ... ... ... ... ... ... ... ... ...    
Book Value Per Share ... ... ... ... ... ... ... ... ... ... ...    
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ...  
Book Value Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ...  
income statement Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                          
Interest Income EUR mil ...           5,896 4,715 4,999 5,432 5,270    
Interest Cost EUR mil ...           2,453 1,859 1,893 1,871 1,828    
Net Interest Income EUR mil ...           3,443 2,856 3,106 3,561 3,442    
Net Fee Income EUR mil ...           904 725 788 858 782    
Other Income EUR mil ...           33.0 -5.00 34.0 63.0 53.0    
Total Revenues EUR mil ...           4,380 3,576 3,928 4,482 4,277    
Staff Cost EUR mil             600 762 839 1,003 983    
Depreciation EUR mil ...           96.0 92.0 87.0 104 100    
Other Cost EUR mil ...           1,327 919 1,041 1,193 1,126    
Operating Cost EUR mil ...           2,023 1,773 1,967 2,300 2,209    
Operating Profit EUR mil ...           2,357 1,803 1,961 2,182 2,068    
Provisions EUR mil ...           1,421 1,114 1,088 1,164 980    
Extra and Other Cost EUR mil ...           62.0 24.0 -21.0 -61.0 -10.0    
Pre-Tax Profit EUR mil ...           874 665 894 1,079 1,098    
Tax EUR mil ...           307 299 370 459 425    
Minorities EUR mil ...           48.0 45.0 40.0 56.0 55.0    
Net Profit EUR mil ...           519 321 484 564 618    
growth rates                          
Net Interest Income Growth % ... ...         -3.58 -17.0 8.75 14.6 -3.34    
Net Fee Income Growth % ... ...         -5.93 -19.8 8.69 8.88 -8.86    
Total Revenue Growth % ... ...         -5.09 -18.4 9.84 14.1 -4.57    
Operating Cost Growth % ... ...         -3.21 -12.4 10.9 16.9 -3.96    
Operating Profit Growth % ... ...         -6.65 -23.5 8.76 11.3 -5.22    
Pre-Tax Profit Growth % ... ...         6.46 -23.9 34.4 20.7 1.76    
Net Profit Growth % ... ...         15.1 -38.2 50.8 16.5 9.57    
balance sheet Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                          
Cash EUR mil ...           73.0 40.0 165 677 794    
Interbank Loans EUR mil ...           13,380 13,703 17,216 13,516 11,689    
Customer Loans EUR mil ...           74,140 63,487 70,626 70,311 73,042    
Retail Loans EUR mil ... ... ... ... ...   74,140 63,487 70,626 70,311 73,042    
Mortgage Loans EUR mil ... ... ... ... ...   34,554 28,209 26,096 23,689 21,229    
Consumer Loans EUR mil ... ... ... ... ...   39,586 35,278 44,530 46,622 51,813    
Corporate Loans EUR mil ... ... ... ... ...   0 0 0 0 0    
Debt Securities EUR mil ...           2,974 2,878 2,797 1,918 1,928    
Fixed Assets EUR mil ...           395 312 418 505 527    
Total Assets EUR mil ...           93,559 82,827 94,007 90,458 91,583    
Shareholders' Equity EUR mil ...           5,840 5,594 6,424 7,650 8,229    
Of Which Minority Interest EUR mil ...           429 402 508 518 586    
Liabilities EUR mil ...           87,719 77,233 87,583 82,808 83,354    
Interbank Borrowing EUR mil ...           76,713 69,078 77,615 74,730 76,976    
Customer Deposits EUR mil ...           660 847 1,498 1,389 1,342    
Issued Debt Securities EUR mil ...           9,678 6,944 7,572 5,836 4,062    
Other Liabilities EUR mil ...           668 364 898 853 974    
asset quality                          
Non-Performing Loans EUR mil ...           5,099 5,518 5,610 5,733 5,897    
Gross Loans EUR mil ...           79,991 67,901 75,119 74,874 77,813    
Total Provisions EUR mil             5,851 4,414 4,493 4,563 4,771    
growth rates                          
Customer Loan Growth % ... ...         -2.45 -14.4 11.2 -0.446 3.88    
Retail Loan Growth % ... ... ... ... ... ... -2.45 -14.4 11.2 -0.446 3.88    
Mortgage Loan Growth % ... ... ... ... ... ... -3.36 -18.4 -7.49 -9.22 -10.4    
Consumer Loan Growth % ... ... ... ... ... ... -1.64 -10.9 26.2 4.70 11.1    
Total Asset Growth % ... ...         -4.72 -11.5 13.5 -3.78 1.24    
Shareholders' Equity Growth % ... ...         -6.93 -4.21 14.8 19.1 7.57    
Customer Deposit Growth % ... ...         -2.37 28.3 76.9 -7.28 -3.38    
ratios Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                          
ROE % ...           8.57 5.61 8.05 8.01 7.78    
ROA % ...           0.541 0.364 0.547 0.611 0.679    
Costs (As % Of Assets) % ...           2.11 2.01 2.22 2.49 2.43    
Costs (As % Of Income) % ...           46.2 49.6 50.1 51.3 51.6    
Net Interest Margin % ...           3.59 3.24 3.51 3.86 3.78    
Interest Spread % ... ...         3.42 3.09 3.36 3.69 3.59    
Asset Yield % ...           6.15 5.35 5.65 5.89 5.79    
Cost Of Liabilities % ... ...         2.73 2.25 2.30 2.20 2.20    
Interest Income (As % Of Revenues) % ...           78.6 79.9 79.1 79.5 80.5    
Fee Income (As % Of Revenues) % ...           20.6 20.3 20.1 19.1 18.3    
Other Income (As % Of Revenues) % ...           0.753 -0.140 0.866 1.41 1.24    
Cost Per Employee USD per month           ... ... ... ... ... ... ... ...
Cost Per Employee (Local Currency) EUR per month           ... ... ... ... ... ... ... ...
Staff Cost (As % Of Total Cost) % ...           29.7 43.0 42.7 43.6 44.5    
Equity (As % Of Assets) % ...           6.24 6.75 6.83 8.46 8.99    
Loans (As % Of Deposits) % ...           11,233 7,496 4,715 5,062 5,443    
Loans (As % Assets) % ...           79.2 76.7 75.1 77.7 79.8    
NPLs (As % Of Loans) % ...           6.37 8.13 7.47 7.66 7.58    
Provisions (As % Of NPLs) % ...           115 80.0 80.1 79.6 80.9    
Provisions (As % Of Loans) % ...           7.89 6.95 6.36 6.49 6.53    
Cost of Provisions (As % Of Loans) % ...           1.89 1.62 1.62 1.65 1.37    
other data Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                          
Employees           ... ... ... ... ... ... ... ...
Revenues From Abroad EUR mil ...           2,447 2,336 2,448 2,791 2,766    
Revenues From Abroad (As % Of Total) % ...           55.9 65.3 62.3 62.3 64.7    

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BNP Paribas Personal Finance's net interest income rose 10.3% to EUR 3,892 mil in 2018

By Helgi Analytics - November 05, 2019

BNP Paribas Personal Finance generated total banking revenues of EUR 4,615 mil in 2018, up 7.68% 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 EUR 4,780 mil...

BNP Paribas Personal Finance's corporate loans remain unchanged at EUR 0 mil in 2018

By Helgi Analytics - November 05, 2019

BNP Paribas Personal Finance's loans reached EUR 85,078 mil in the 2018, up from EUR 79,506 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 85,078 mil in 2018 and an all time low of EUR 67,901 mil in 2013. ...

BNP Paribas Personal Finance's customer loan growth rose 134% to 7.51% in 2018

By Helgi Analytics - November 05, 2019

BNP Paribas Personal Finance's customer loan growth reached 7.51% in 2018, up from 3.21% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 12.6% in 2008 and an all time low of -14.4% in 2013. In the last deca...

BNP Paribas Personal Finance's retail loan growth rose 134% to 7.51% in 2018

By Helgi Analytics - November 05, 2019

BNP Paribas Personal Finance's retail loans reached EUR 81,043 mil at the end of 2018, up 7.51% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%. Overall, retail loans accounted for 100% of the bank's loan boo...

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Finance

BNP Paribas Personal Finance has been growing its revenues and asset by 2.06% and 0.727% a year on average in the last 10 years. Its loans and deposits have grown by 1.38% and 17.9% a year during that time and loans to deposits ratio reached 2,733% at the end of 2018. The company achieved an average return on equity of 7.19% in the last decade with net profit growing 2.36% a year on average. In terms of operating efficiency, its cost to income ratio reached 54.3% in 2018, compared to 49.4% average in the last decade.

Equity represented 9.15% of total assets or 10.8% of loans at the end of 2018. BNP Paribas Personal Finance's non-performing loans were 7.02% of total loans while provisions covered some 67.6% of NPLs at the end of 2018.