BNP Paribas

BNP Paribas's npls (as % of loans) fell 21.9% yoy to 3.15% in 3Q2019

By Helgi Analytics - December 20, 2019

BNP Paribas's non-performing loans reached 3.15% of total loans at the end of 2019-09-30, down from 4.03% compared to the previou...

BNP Paribas's capital adequacy ratio rose 3.36% yoy to 15.4% in 3Q2019

By Helgi Analytics - December 20, 2019

BNP Paribas's capital adequacy ratio reached 15.4% at the end of third quarter of 2019, up from 15.2% when compared to the previo...

BNP Paribas's net profit fell 8.76% yoy to EUR 1,938 mil in 3Q2019

By Helgi Analytics - December 20, 2019

BNP Paribas made a net profit of EUR 1,938 mil under revenues of EUR 10,896 mil in the third quarter of 2019, down 8.76% and ...

Profit Statement 2016 2017 2018
Net Interest Income EUR mil 22,376 22,577 21,164
Net Fee Income EUR mil 7,202 9,430 9,207
Other Income EUR mil 19,455 14,667 15,863
Total Revenues EUR mil 49,033 46,674 46,234
Operating Profit EUR mil 19,771 17,695 16,928
Provisions EUR mil 3,262 2,907 2,764
Net Profit EUR mil 7,702 7,759 7,526
Balance Sheet 2016 2017 2018
Interbank Loans EUR mil 163,712 151,255 188,600
Customer Loans EUR mil 748,174 741,995 776,429
Debt Securities EUR mil 486,893 487,818 490,153
Total Assets EUR mil 2,076,960 1,949,780 2,040,840
Shareholders' Equity EUR mil 105,220 104,552 105,726
Interbank Borrowing EUR mil 148,577 141,811 149,526
Customer Deposits EUR mil 763,595 759,475 795,995
Issued Debt Securities EUR mil 171,796 214,597 223,986
Ratios 2016 2017 2018
ROE % 7.50 7.40 7.16
ROA % 0.378 0.385 0.377
Costs (As % Of Assets) % 1.44 1.44 1.47
Costs (As % Of Income) % 59.7 62.1 63.4
Capital Adequacy Ratio % 14.5 14.8 15.0
Net Interest Margin % 1.10 1.12 1.06
Loans (As % Of Deposits) % 98.0 97.7 97.5
NPLs (As % Of Loans) % 5.39 4.86 4.24
Provisions (As % Of NPLs) % 64.7 73.3 70.9
Valuation 2016 2017 2018
Market Capitalisation (End Of Period) USD mil 79,670 93,144 56,387
Share Price (End Of Period) 60.6 62.3 39.5
Price/Earnings (P/E) 9.80 10.0 6.54
Price/Book Value (P/BV) 0.717 0.743 0.466
Dividend Yield % 4.46 4.85 7.65
Earnings Per Share (EPS) 6.19 6.22 6.03
Book Value Per Share 84.5 83.9 84.7
Dividend Per Share 2.71 3.02 3.02

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summary Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                                              
Net Interest Income EUR mil                                                 21,745 19,451 20,319 22,553 22,376    
Total Revenues EUR mil                                                 45,758 42,183 44,765 48,344 49,033    
Operating Profit EUR mil                                                 19,621 17,538 19,013 19,959 19,771    
Net Profit EUR mil                                                 6,564 4,818 157 6,694 7,702    
balance sheet                                                              
Interbank Loans EUR mil                                                 160,082 161,381 177,946 148,878 163,712    
Customer Loans EUR mil                                                 656,593 660,210 688,581 708,829 748,174    
Debt Securities EUR mil                                                 411,132 437,074 498,244 484,905 486,893    
Total Assets EUR mil                                                 1,907,200 1,810,520 2,077,760 1,994,190 2,076,960    
Shareholders' Equity EUR mil                                                 94,017 90,955 93,689 100,077 105,220    
Interbank Borrowing EUR mil                                                 376,066 362,964 175,614 174,268 148,577    
Customer Deposits EUR mil                                                 532,209 548,243 636,879 695,116 763,595    
Issued Debt Securities EUR mil                                                 188,421 198,510 201,010 175,991 171,796    
ratios                                                              
ROE %                                                 7.31 5.21 0.170 6.91 7.50    
ROA %                                                 0.339 0.259 0.008 0.329 0.378    
Costs (As % Of Assets) %                                                 1.35 1.33 1.32 1.39 1.44    
Costs (As % Of Income) %                                                 57.1 58.4 57.5 58.7 59.7    
Capital Adequacy Ratio % ...                                               15.5 12.5 12.6 13.6 14.5    
Net Interest Margin %                                                 1.12 1.05 1.05 1.11 1.10    
Interest Income (As % Of Revenues) %                                                 47.5 46.1 45.4 46.7 45.6    
Fee Income (As % Of Revenues) %                                                 16.5 16.2 16.5 15.8 14.7    
Equity (As % Of Assets) %                                                 4.93 5.02 4.51 5.02 5.07    
Loans (As % Of Deposits) %                                                 123 120 108 102 98.0    
Loans (As % Assets) %                                                 34.4 36.5 33.1 35.5 36.0    
NPLs (As % Of Loans) %         ... ... ... ...                                 6.21 6.36 6.00 5.61 5.39    
Provisions (As % Of NPLs) %         ... ... ... ...                                 62.5 58.1 61.6 63.5 64.7    
valuation                                                              
Market Capitalisation (End Of Period) USD mil ... ... ... ... ...                                       69,690 96,986 74,157 70,830 79,670    
Number Of Shares (Average) mil                                                 1,217 1,244 1,244 1,244 1,245    
Share Price (End Of Period) ... ... ... ... ...                                       43.4 56.5 49.2 52.3 60.6    
Earnings Per Share (EPS)                                                 5.40 3.87 0.126 5.38 6.19    
Book Value Per Share                                                 77.3 73.1 75.3 80.4 84.5    
Dividend Per Share                                                 1.53 1.50 1.50 2.31 2.71    
Price/Earnings (P/E) ... ... ... ... ...                                       8.05 14.6 390 9.72 9.80    
Price/Book Value (P/BV) ... ... ... ... ...                                       0.562 0.773 0.654 0.650 0.717    
Dividend Yield % ... ... ... ... ...                                       3.53 2.65 3.05 4.43 4.46    
Earnings Per Share Growth % ...                                               6.96 -28.2 -96.7 4,164 15.0    
Book Value Per Share Growth % ...                                               8.25 -5.40 2.99 6.84 5.10    
income statement Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                                              
Interest Income EUR mil                                                 44,476 36,967 38,707 41,381 40,894    
Interest Cost EUR mil                                                 22,731 17,516 18,388 18,828 18,518    
Net Interest Income EUR mil                                                 21,745 19,451 20,319 22,553 22,376    
Net Fee Income EUR mil                                                 7,532 6,845 7,388 7,615 7,202    
Other Income EUR mil                                                 16,481 15,887 17,058 18,176 19,455    
Total Revenues EUR mil                                                 45,758 42,183 44,765 48,344 49,033    
Operating Cost EUR mil                                                 26,137 24,645 25,752 28,385 29,262    
Operating Profit EUR mil                                                 19,621 17,538 19,013 19,959 19,771    
Provisions EUR mil                                                 3,941 3,643 3,705 3,797 3,262    
Extra and Other Cost EUR mil                                                 5,301 5,794 12,158 5,783 5,299    
Pre-Tax Profit EUR mil                                                 10,379 8,101 3,150 10,379 11,210    
Tax EUR mil                                                 3,061 2,680 2,643 3,335 3,095    
Minorities EUR mil                                                 754 603 350 350 413    
Net Profit EUR mil                                                 6,564 4,818 157 6,694 7,702    
Dividends EUR mil                                                 1,863 1,863 1,869 2,879 3,367    
growth rates                                                              
Net Interest Income Growth % ...                                               -9.32 -10.5 4.46 11.0 -0.785    
Net Fee Income Growth % ...                                               -10.5 -9.12 7.93 3.07 -5.42    
Total Revenue Growth % ...                                               -1.53 -7.81 6.12 8.00 1.43    
Operating Cost Growth % ...                                               2.46 -5.71 4.49 10.2 3.09    
Operating Profit Growth % ...                                               -6.39 -10.6 8.41 4.98 -0.942    
Pre-Tax Profit Growth % ...                                               7.54 -21.9 -61.1 229 8.01    
Net Profit Growth % ...                                               8.50 -26.6 -96.7 4,164 15.1    
market share                                                              
Market Share in Revenues %   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Net Profit %   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Employees %   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
balance sheet Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                                                              
Cash EUR mil                                                 103,190 100,787 117,473 134,547 160,400    
Interbank Loans EUR mil                                                 160,082 161,381 177,946 148,878 163,712    
Customer Loans EUR mil                                                 656,593 660,210 688,581 708,829 748,174    
Debt Securities EUR mil                                                 411,132 437,074 498,244 484,905 486,893    
Fixed Assets EUR mil                                                 30,495 29,312 31,560 35,013 35,978    
Total Assets EUR mil                                                 1,907,200 1,810,520 2,077,760 1,994,190 2,076,960    
Shareholders' Equity EUR mil                                                 94,017 90,955 93,689 100,077 105,220    
Of Which Minority Interest EUR mil                                                 8,573 3,522 4,231 3,808 4,555    
Liabilities EUR mil                                                 1,813,180 1,719,570 1,984,070 1,894,120 1,971,740    
Interbank Borrowing EUR mil                                                 376,066 362,964 175,614 174,268 148,577    
Customer Deposits EUR mil                                                 532,209 548,243 636,879 695,116 763,595    
Sight Deposits EUR mil                                                 259,770 303,900 350,502 399,364 443,379    
Term Deposits EUR mil                                                 272,439 244,343 286,377 295,752 320,216    
Issued Debt Securities EUR mil                                                 188,421 198,510 201,010 175,991 171,796    
Other Liabilities EUR mil                                                 716,487 609,850 970,566 848,741 887,771    
asset quality                                                              
Non-Performing Loans EUR mil         ... ... ... ...                                 42,453 43,585 42,896 41,251 41,779    
Gross Loans EUR mil                                                 683,118 685,546 714,999 735,023 775,219    
Provisions EUR mil                                                 3,941 3,643 3,705 3,797 3,262    
growth rates                                                              
Customer Loan Growth % ...                                               -6.14 0.551 4.30 2.94 5.55    
Total Asset Growth % ...                                               -2.96 -5.07 14.8 -4.02 4.15    
Shareholders' Equity Growth % ...                                               9.80 -3.26 3.01 6.82 5.14    
Customer Deposit Growth % ...                                               1.74 3.01 16.2 9.14 9.85    
market share                                                              
Market Share in Customer Loans %   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Total Assets %   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Customer Deposits %   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
ratios Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                                                              
ROE %                                                 7.31 5.21 0.170 6.91 7.50    
ROA %                                                 0.339 0.259 0.008 0.329 0.378    
Costs (As % Of Assets) %                                                 1.35 1.33 1.32 1.39 1.44    
Costs (As % Of Income) %                                                 57.1 58.4 57.5 58.7 59.7    
Capital Adequacy Ratio % ...                                               15.5 12.5 12.6 13.6 14.5    
Tier 1 Ratio % ...                                               13.6 11.7 11.5 12.2 12.9    
Net Interest Margin %                                                 1.12 1.05 1.05 1.11 1.10    
Interest Spread % ...                                               1.07 0.997 0.998 1.06 1.05    
Asset Yield %                                                 2.30 1.99 1.99 2.03 2.01    
Cost Of Liabilities % ...                                               1.23 0.992 0.993 0.971 0.958    
Payout Ratio %                                                 76.3 86.6 76.6 75.7 75.4    
Interest Income (As % Of Revenues) %                                                 47.5 46.1 45.4 46.7 45.6    
Fee Income (As % Of Revenues) %                                                 16.5 16.2 16.5 15.8 14.7    
Other Income (As % Of Revenues) %                                                 36.0 37.7 38.1 37.6 39.7    
Equity (As % Of Assets) %                                                 4.93 5.02 4.51 5.02 5.07    
Loans (As % Of Deposits) %                                                 123 120 108 102 98.0    
Loans (As % Assets) %                                                 34.4 36.5 33.1 35.5 36.0    
NPLs (As % Of Loans) %         ... ... ... ...                                 6.21 6.36 6.00 5.61 5.39    
Provisions (As % Of NPLs) %         ... ... ... ...                                 62.5 58.1 61.6 63.5 64.7    
Provisions (As % Of Loans) %                                                 4.04 3.84 3.84 3.70 3.61    
Cost of Provisions (As % Of Loans) %                                                 0.581 0.553 0.549 0.543 0.448    
other data Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                                                              
Employees                                                 188,551 184,545 187,903 189,077 192,418    
Sight (As % Of Customer Deposits) %                                                 48.8 55.4 55.0 57.5 58.1    

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BNP Paribas's price/earnings (P/E) fell 7.19% yoy to 7.19 in 3Q2019

By Helgi Analytics - December 20, 2019

BNP Paribas stock traded at 44.7 per share at the end third quarter of 2019 implying a market capitalization of USD 60,701 mil. Since the end of 3Q2014, the stock has depreciated by -14.8 % implying an annual average growth of -3.15 %. In absolute terms, the value of ...

BNP Paribas's market capitalisation (end of period) rose 2.32% to USD 60,701 mil in 3Q2019

By Helgi Analytics - December 20, 2019

BNP Paribas stock traded at 44.7 per share at the end of third quarter of 2019 implying a market capitalization of USD 60,701 mil. Over the last five years, the stock has depreciated by 14.8 implying an annual average growth of -3.15% In absolute terms, th...

BNP Paribas's customer loan growth rose 52.5% yoy to 7.08% in 3Q2019

By Helgi Analytics - December 20, 2019

BNP Paribas's customer loan growth reached 7.08% in 2019-09-30, up from 4.64% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 12.6% in 2015-03-31 and an all time low of -7.03% in 2012-09-30. In the last dec...

BNP Paribas's equity (as % of assets) fell 4.62% yoy to 4.45% in 3Q2019

By Helgi Analytics - December 20, 2019

BNP Paribas's Equity reached 5.79% of total assets in the 3Q2019, up from 5.49% for the previous year. As a share of net customer loans, the ratio amounted to 16.7% at the end of the third quarter of 2019. ...

BNP Paribas's net profit fell 3.00% to EUR 7,526 mil in 2018

By Helgi Analytics - December 20, 2019

BNP Paribas made a net profit of EUR 7,526 mil under revenues of EUR 46,234 mil in 2018, up -3.00% and -0.943% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 7,843 mil in 2010 and an all time low of EUR...

BNP Paribas's npls (as % of loans) fell 12.8% to 4.24% in 2018

By Helgi Analytics - December 20, 2019

BNP Paribas's non-performing loans reached 4.24% of total loans at the end of 2018, down from 4.86% compared to the previous year. Historically, the NPL ratio hit an all time high of 7.89% in 1988 and an all time low of 3.10% in 2007. Provision coverage amo...

BNP Paribas's capital adequacy ratio rose 1.35% to 15.0% in 2018

By Helgi Analytics - December 20, 2019

BNP Paribas's capital adequacy ratio reached 15.0% at the end of 2018, up from 14.8% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 15.5% in 2012 and an all time low of 8.70% in 1992. The Tier 1 ratio amounted to...

BNP Paribas's net interest margin fell 5.41% to 1.06% in 2018

By Helgi Analytics - December 20, 2019

BNP Paribas's net interest margin amounted to 1.06% in 2018, down from 1.12% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.96% in 1992 and an all time low of 0.598% in 2001. The average margin ...

BNP Paribas's price/earnings (P/E) fell 34.7% to 6.54 in 2018

By Helgi Analytics - December 20, 2019

BNP Paribas stock traded at EUR 39.5 per share at the end 2018 implying a market capitalization of USD 56,387 mil. Since the end of 2013, the stock has depreciated by -30.2 % implying an annual average growth of -6.95 %. In absolute terms, the value of the company ...

BNP Paribas's net interest income fell 6.26% to EUR 21,164 mil in 2018

By Helgi Analytics - December 20, 2019

BNP Paribas generated total banking revenues of EUR 46,234 mil in 2018, down 0.943% 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 49,219 mil in 2010 and...

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