BPCE SA

BPCE SA's net interest margin fell 49.9% to 0.197% in 2018

By Helgi Analytics - November 05, 2019

BPCE SA's net interest margin amounted to 0.197% in 2018, down from 0.392% compared to the previous year. Historically, th...

BPCE SA's capital adequacy ratio rose 2.08% to 19.6% in 2018

By Helgi Analytics - November 05, 2019

BPCE SA's capital adequacy ratio reached 19.6% at the end of 2018, up from 19.2% compared to the previous year. Historically,...

BPCE SA's net interest income fell 50.3% to EUR 1,486 mil in 2018

By Helgi Analytics - November 05, 2019

BPCE SA generated total banking revenues of EUR 13,178 mil in 2018, up 3.04% compared to the previous year. Historically,...

Profit Statement 2016 2017 2018
Net Interest Income EUR mil 3,180 2,992 1,486
Fee Income (As % Of Revenues) % 27.9 31.1 30.5
Other Income EUR mil 6,059 5,824 7,679
Total Revenues EUR mil 12,811 12,789 13,178
Operating Profit EUR mil 5,106 4,648 4,383
Provisions EUR mil 508 511 385
Net Profit EUR mil 1,664 845 685
Balance Sheet 2016 2017 2018
Interbank Loans EUR mil 209,696 121,585 129,262
Customer Loans EUR mil 203,774 241,331 196,311
Debt Securities EUR mil 193,863 235,414 280,532
Total Assets EUR mil 765,069 759,621 751,562
Shareholders' Equity EUR mil 27,775 25,900 26,652
Interbank Borrowing EUR mil 197,832 181,859 126,280
Customer Deposits EUR mil 55,708 56,213 56,750
Issued Debt Securities EUR mil 244,077 222,909 209,608
Ratios 2016 2017 2018
ROE % 6.02 3.15 2.61
ROA % 0.223 0.111 0.091
Costs (As % Of Assets) % 1.03 1.07 1.16
Costs (As % Of Income) % 60.1 63.7 66.7
Capital Adequacy Ratio % 18.5 19.2 19.6
Net Interest Margin % 0.427 0.392 0.197
Loans (As % Of Deposits) % 366 429 346
NPLs (As % Of Loans) % 4.44 3.69 4.47
Provisions (As % Of NPLs) % 42.0 39.1 ...
Growth Rates 2016 2017 2018
Total Revenue Growth % 7.10 -0.172 3.04
Operating Cost Growth % 7.09 5.66 8.03
Operating Profit Growth % 7.11 -8.97 -5.70
Net Profit Growth % 107 -49.2 -18.9
Customer Loan Growth % -7.34 18.4 -18.7
Total Asset Growth % 5.66 -0.712 -1.06
Customer Deposit Growth % -33.2 0.907 0.955
Shareholders' Equity Growth % 1.13 -6.75 2.90
Employees 41,942 42,145 46,661

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summary Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                              
Net Interest Income EUR mil ... ... ... ... ...       2,076 2,562 3,034 2,841 3,180    
Total Revenues EUR mil ... ... ... ... ...       9,568 9,350 10,360 11,962 12,811    
Operating Profit EUR mil ... ... ... ... ...       3,121 2,754 3,700 4,767 5,106    
Net Profit EUR mil ... ... ... ... ...       659 1,555 724 803 1,664    
balance sheet                              
Interbank Loans EUR mil ... ... ... ... ...       140,554 134,129 126,119 119,897 209,696    
Customer Loans EUR mil ... ... ... ... ...       228,759 210,126 232,458 219,927 203,774    
Debt Securities EUR mil ... ... ... ... ...       277,507 261,695 289,477 240,221 193,863    
Total Assets EUR mil ... ... ... ... ...       775,686 716,451 803,810 724,110 765,069    
Shareholders' Equity EUR mil ... ... ... ... ...       31,100 27,019 28,520 27,464 27,775    
Interbank Borrowing EUR mil ... ... ... ... ...       153,136 123,767 119,865 114,277 197,832    
Customer Deposits EUR mil ... ... ... ... ...       72,028 79,778 79,619 83,439 55,708    
Issued Debt Securities EUR mil ... ... ... ... ...       226,552 214,648 254,995 232,445 244,077    
ratios                              
ROE % ... ... ... ... ...       2.24 5.35 2.61 2.87 6.02    
ROA % ... ... ... ... ...       0.084 0.208 0.095 0.105 0.223    
Costs (As % Of Assets) % ... ... ... ... ...       0.821 0.884 0.876 0.942 1.03    
Costs (As % Of Income) % ... ... ... ... ...       67.4 70.5 64.3 60.1 60.1    
Capital Adequacy Ratio % ... ... ... ... ... ... ... ... 12.5 14.4 15.4 16.8 18.5    
Net Interest Margin % ... ... ... ... ...       0.264 0.343 0.399 0.372 0.427    
Interest Income (As % Of Revenues) % ... ... ... ... ...       21.7 27.4 29.3 23.8 24.8    
Fee Income (As % Of Revenues) % ... ... ... ... ...       28.5 31.3 31.5 32.7 27.9    
Equity (As % Of Assets) % ... ... ... ... ...       4.01 3.77 3.55 3.79 3.63    
Loans (As % Of Deposits) % ... ... ... ... ...       318 263 292 264 366    
Loans (As % Assets) % ... ... ... ... ...       29.5 29.3 28.9 30.4 26.6    
NPLs (As % Of Loans) % ... ... ... ... ...       4.28 4.93 4.09 4.13 4.44    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ... 42.0   ...
valuation                              
Number Of Shares (Average) mil ... ... ... ... ...       31.1 31.1 31.1 31.1 31.1    
Earnings Per Share (EPS) ... ... ... ... ...       21.2 49.9 23.2 25.8 53.4    
Book Value Per Share ... ... ... ... ...       998 867 916 882 892    
Dividend Per Share ... ... ... ... ...       0 0 0 0 0    
Earnings Per Share Growth % ... ... ... ... ... ...     63.9 136 -53.4 10.9 107    
Book Value Per Share Growth % ... ... ... ... ... ...     12.3 -13.1 5.56 -3.70 1.13    
income statement Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                              
Interest Income EUR mil ... ... ... ... ...       15,796 13,405 14,764 14,000 13,675    
Interest Cost EUR mil ... ... ... ... ...       13,720 10,843 11,730 11,159 10,495    
Net Interest Income EUR mil ... ... ... ... ...       2,076 2,562 3,034 2,841 3,180    
Net Fee Income EUR mil ... ... ... ... ...       2,725 2,923 3,265 3,915 3,572    
Other Income EUR mil ... ... ... ... ...       4,767 3,865 4,061 5,206 6,059    
Total Revenues EUR mil ... ... ... ... ...       9,568 9,350 10,360 11,962 12,811    
Operating Cost EUR mil ... ... ... ... ...       6,447 6,596 6,660 7,195 7,705    
Operating Profit EUR mil ... ... ... ... ...       3,121 2,754 3,700 4,767 5,106    
Provisions EUR mil ... ... ... ... ...       1,036 793 453 593 508    
Extra and Other Cost EUR mil ... ... ... ... ...       881 -736 1,502 1,861 1,775    
Pre-Tax Profit EUR mil ... ... ... ... ...       1,204 2,697 1,745 2,313 2,823    
Tax EUR mil ... ... ... ... ...       222 496 613 962 665    
Minorities EUR mil ... ... ... ... ...       323 646 408 548 494    
Net Profit EUR mil ... ... ... ... ...       659 1,555 724 803 1,664    
Dividends EUR mil ... ... ... ... ...       0 0 0 0 0    
growth rates                              
Net Interest Income Growth % ... ... ... ... ... ...     -45.7 23.4 18.4 -6.36 11.9    
Net Fee Income Growth % ... ... ... ... ... ...     1.95 7.27 11.7 19.9 -8.76    
Total Revenue Growth % ... ... ... ... ... ...     -9.90 -2.28 10.8 15.5 7.10    
Operating Cost Growth % ... ... ... ... ... ...     -2.23 2.31 0.970 8.03 7.09    
Operating Profit Growth % ... ... ... ... ... ...     -22.5 -11.8 34.4 28.8 7.11    
Pre-Tax Profit Growth % ... ... ... ... ... ...     2.12 124 -35.3 32.6 22.0    
Net Profit Growth % ... ... ... ... ... ...     63.9 136 -53.4 10.9 107    
balance sheet Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                              
Cash EUR mil ... ... ... ... ...       46,584 51,726 74,141 62,745 72,036    
Interbank Loans EUR mil ... ... ... ... ...       140,554 134,129 126,119 119,897 209,696    
Customer Loans EUR mil ... ... ... ... ...       228,759 210,126 232,458 219,927 203,774    
Debt Securities EUR mil ... ... ... ... ...       277,507 261,695 289,477 240,221 193,863    
Fixed Assets EUR mil ... ... ... ... ...       5,051 4,662 4,894 5,716 5,732    
Total Assets EUR mil ... ... ... ... ...       775,686 716,451 803,810 724,110 765,069    
Shareholders' Equity EUR mil ... ... ... ... ...       31,100 27,019 28,520 27,464 27,775    
Of Which Minority Interest EUR mil ... ... ... ... ...       6,419 5,770 7,299 7,467 7,565    
Liabilities EUR mil ... ... ... ... ...       744,586 689,432 775,290 696,646 737,294    
Interbank Borrowing EUR mil ... ... ... ... ...       153,136 123,767 119,865 114,277 197,832    
Customer Deposits EUR mil ... ... ... ... ...       72,028 79,778 79,619 83,439 55,708    
Sight Deposits EUR mil ... ... ... ... ...       19,028 22,504 23,765 31,055 23,508    
Term Deposits EUR mil ... ... ... ... ...       53,000 57,274 55,854 52,384 32,200    
Issued Debt Securities EUR mil ... ... ... ... ...       226,552 214,648 254,995 232,445 244,077    
Other Liabilities EUR mil ... ... ... ... ...       292,870 271,239 320,811 266,485 239,677    
asset quality                              
Non-Performing Loans EUR mil ... ... ... ... ...       9,796 10,369 9,512 9,092 9,220    
Gross Loans EUR mil ... ... ... ... ...       228,759 210,126 232,458 219,927 207,646    
Provisions EUR mil ... ... ... ... ...       1,036 793 453 593 508    
growth rates                              
Customer Loan Growth % ... ... ... ... ... ...     -6.72 -8.15 10.6 -5.39 -7.34    
Retail Loan Growth % ... ... ... ... ... ...     -6.72 -8.15 10.6 -5.39 -9.63    
Total Asset Growth % ... ... ... ... ... ...     -2.52 -7.64 12.2 -9.92 5.66    
Shareholders' Equity Growth % ... ... ... ... ... ...     12.3 -13.1 5.56 -3.70 1.13    
Customer Deposit Growth % ... ... ... ... ... ...     17.7 10.8 -0.199 4.80 -33.2    
ratios Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                              
ROE % ... ... ... ... ...       2.24 5.35 2.61 2.87 6.02    
ROA % ... ... ... ... ...       0.084 0.208 0.095 0.105 0.223    
Costs (As % Of Assets) % ... ... ... ... ...       0.821 0.884 0.876 0.942 1.03    
Costs (As % Of Income) % ... ... ... ... ...       67.4 70.5 64.3 60.1 60.1    
Capital Adequacy Ratio % ... ... ... ... ... ... ... ... 12.5 14.4 15.4 16.8 18.5    
Tier 1 Ratio % ... ... ... ... ... ... ... ... 12.2 12.8 12.7 13.3 14.5    
Net Interest Margin % ... ... ... ... ...       0.264 0.343 0.399 0.372 0.427    
Interest Spread % ... ... ... ... ... ...     0.196 0.284 0.341 0.316 0.373    
Asset Yield % ... ... ... ... ...       2.01 1.80 1.94 1.83 1.84    
Cost Of Liabilities % ... ... ... ... ... ...     1.81 1.51 1.60 1.52 1.46    
Payout Ratio % ... ... ... ... ...       76.3 86.6 76.6 75.7 75.4    
Interest Income (As % Of Revenues) % ... ... ... ... ...       21.7 27.4 29.3 23.8 24.8    
Fee Income (As % Of Revenues) % ... ... ... ... ...       28.5 31.3 31.5 32.7 27.9    
Other Income (As % Of Revenues) % ... ... ... ... ...       49.8 41.3 39.2 43.5 47.3    
Equity (As % Of Assets) % ... ... ... ... ...       4.01 3.77 3.55 3.79 3.63    
Loans (As % Of Deposits) % ... ... ... ... ...       318 263 292 264 366    
Loans (As % Assets) % ... ... ... ... ...       29.5 29.3 28.9 30.4 26.6    
NPLs (As % Of Loans) % ... ... ... ... ...       4.28 4.93 4.09 4.13 4.44    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ... 42.0   ...
Provisions (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ... 1.90   ...
Cost of Provisions (As % Of Loans) % ... ... ... ... ...       0.437 0.361 0.205 0.262 0.240    
other data Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                              
Employees                 40,258 42,152 42,366 42,825 41,942    
Sight (As % Of Customer Deposits) % ... ... ... ... ...       26.4 28.2 29.8 37.2 42.2    

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BPCE SA's net profit fell 18.9% to EUR 685 mil in 2018

By Helgi Analytics - November 05, 2019

BPCE SA made a net profit of EUR 685 mil under revenues of EUR 13,178 mil in 2018, up -18.9% and 3.04% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 1,664 mil in 2016 and an all time low of EUR -69.0 m...

BPCE SA's customer loan growth fell 201% to -18.7% in 2018

By Helgi Analytics - November 05, 2019

BPCE SA's customer loan growth reached -18.7% in 2018, down from 18.4% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 119% in 2010 and an all time low of -18.7% in 2018. In the last decade, the average ann...

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