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Bank BPH

BPH's net interest margin fell 79.9% yoy to 0.486% in 2Q2016

By Helgi Library - February 21, 2018

Bank BPH's net interest margin amounted to 0.486% in the second quarter of 2016, down from 0.535% when compared to the previous ...

BPH's net interest margin fell 79.9% yoy to 0.486% in 2Q2016

By Helgi Library - February 21, 2018

Bank BPH's net interest margin amounted to 0.486% in the second quarter of 2016, down from 0.535% when compared to the previous ...

BPH's net interest income fell 80.5% yoy to PLN 38.7 mil in 2Q2016

By Helgi Library - February 21, 2018

Bank BPH generated total banking revenues of PLN 55.6 mil in the second quarter of 2016, down 80.5% when compared to the same per...

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Annual Quarterly LTM

Profit Statement		2013	2014	2015
Net Interest Income	PLN mil	980	933	833
Net Fee Income	PLN mil	491	348	274
Other Income	PLN mil	47.7	106	101
Total Revenues	PLN mil	1,519	1,387	1,208
Staff Cost	PLN mil	584	588	716
Operating Profit	PLN mil	404	229	-1,061
Provisions	PLN mil	2,315	1,871	1,252
Net Profit	PLN mil	192	112	-1,072

Balance Sheet		2013	2014	2015
Interbank Loans	PLN mil	327	347	463
Customer Loans	PLN mil	20,547	20,911	23,069
Total Assets	PLN mil	33,004	31,601	31,340
Shareholders' Equity	PLN mil	4,960	5,067	4,077
Interbank Borrowing	PLN mil	315	504	104
Customer Deposits	PLN mil	26,882	25,186	26,805
Issued Debt Securities	PLN mil	847	844	354

Ratios		2013	2014	2015
ROE	%	3.96	2.23	-23.5
ROA	%	0.571	0.346	-3.41
Costs (As % Of Assets)	%	3.31	3.58	7.21
Costs (As % Of Income)	%	73.4	83.5	188
Capital Adequacy Ratio	%	16.5	16.8	16.6
Net Interest Margin	%	2.91	2.89	2.65
Loans (As % Of Deposits)	%	76.4	83.0	86.1
NPLs (As % Of Loans)	%	11.7	9.40	5.90
Provisions (As % Of NPLs)	%	86.5	87.4	87.3

Valuation		2013	2014	2015
Price/Earnings (P/E)		21.7	33.6	...
Price/Book Value (P/BV)		0.842	0.741	0.579
Dividend Yield	%	0.292	0.344	0
Earnings Per Share (EPS)	PLN	2.51	1.46	-14.0
Book Value Per Share	PLN	64.7	66.1	53.2
Dividend Per Share	PLN	0.159	0.169	0

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summary
income statement
balance sheet
ratios
other data

summary	Unit	2007	2008	2009	2010	2011	2012	2013	2014	2015
income statement
Net Interest Income	PLN mil	...		1,415	1,383	1,348	1,252	980
Total Revenues	PLN mil	...		2,263	2,225	1,982	1,802	1,519
Operating Profit	PLN mil	...		691	691	682	465	404
Net Profit	PLN mil	...		52.8	-135	218	261	192
balance sheet
Interbank Loans	PLN mil	...		514	906	407	648	327
Customer Loans	PLN mil	...		26,980	25,398	25,058	22,930	20,547
Debt Securities	PLN mil	...		2,753	2,563	2,773	1,218	6,941
Total Assets	PLN mil	...		35,215	37,291	37,031	34,416	33,004
Shareholders' Equity	PLN mil	...		4,489	4,366	4,598	4,767	4,960
Interbank Borrowing	PLN mil	...		779	486	264	377	315
Customer Deposits	PLN mil	...		28,696	31,355	31,177	28,364	26,882
Issued Debt Securities	PLN mil	...		1,251	1,085	991	909	847
ratios
ROE	%	...		1.18	-3.05	4.87	5.57	3.96
ROA	%	...		0.147	-0.373	0.587	0.731	0.571
Costs (As % Of Assets)	%	...		4.37	4.23	3.50	3.74	3.31
Costs (As % Of Income)	%	...		69.5	69.0	65.6	74.2	73.4
Capital Adequacy Ratio	%	...		12.7	13.2	14.0	13.9	16.5
Net Interest Margin	%	...		3.94	3.81	3.63	3.50	2.91
Interest Income (As % Of Revenues)	%	...		62.5	62.2	68.0	69.5	64.5
Fee Income (As % Of Revenues)	%	...		33.8	34.3	30.7	28.8	32.3
Staff Cost (As % Of Total Cost)	%	...		49.4	53.5	51.9	51.9	52.3
Equity (As % Of Assets)	%	...		12.7	11.7	12.4	13.9	15.0
Loans (As % Of Deposits)	%	...		94.0	81.0	80.4	80.8	76.4
Loans (As % Assets)	%	...		76.6	68.1	67.7	66.6	62.3
NPLs (As % Of Loans)	%	...		8.85	10.6	10.7	10.6	11.7
Provisions (As % Of NPLs)	%	...		82.1	91.0	93.7	91.0	86.5
valuation
Market Capitalisation (End Of Period)	USD mil	...		2,248	1,840	706	1,212	1,387
Number Of Shares (Average)	mil	...		76.7	76.7	76.7	76.7	76.7
Share Price (End Of Period)	PLN	...		84.0	71.0	31.7	48.9	54.5
Earnings Per Share (EPS)	PLN	...		0.689	-1.76	2.85	3.40	2.51
Book Value Per Share	PLN	...		58.6	56.9	60.0	62.2	64.7
Dividend Per Share	PLN	...		0	0	0	1.41	0.159
Price/Earnings (P/E)		...		122	...	11.1	14.4	21.7		...
Price/Book Value (P/BV)		...		1.43	1.25	0.529	0.786	0.842
Dividend Yield	%	...		0	0	0	2.88	0.292
Earnings Per Share Growth	%	...	...	-83.6	-356	-261	19.7	-26.3
Book Value Per Share Growth	%	...	...	0.887	-2.75	5.32	3.67	4.05

income statement	Unit	2007	2008	2009	2010	2011	2012	2013	2014	2015
income statement
Interest Income	PLN mil	...		2,455	2,279	2,130	1,931	1,538
Interest Cost	PLN mil	...		1,040	896	782	679	558
Net Interest Income	PLN mil	...		1,415	1,383	1,348	1,252	980
Net Fee Income	PLN mil	...		766	763	609	520	491
Other Income	PLN mil	...		82.6	79.6	24.5	30.6	47.7
Total Revenues	PLN mil	...		2,263	2,225	1,982	1,802	1,519
Staff Cost	PLN mil	...		776	821	674	694	584
Depreciation	PLN mil	...		151	125	94.9	85.4	91.1
Other Cost	PLN mil	...		646	589	531	558	440
Operating Cost	PLN mil	...		1,572	1,534	1,300	1,337	1,115
Operating Profit	PLN mil	...		691	691	682	465	404
Provisions	PLN mil	...		2,116	2,713	2,793	2,447	2,315
Extra and Other Cost	PLN mil	...		< 0.001	< 0.001	0	0	0
Pre-Tax Profit	PLN mil	...		0.376	-132	296	345	265
Tax	PLN mil	...		-60.7	-9.88	62.6	73.2	60.1
Minorities	PLN mil	...		8.28	13.1	15.6	11.1	12.4
Net Profit	PLN mil	...		52.8	-135	218	261	192
Dividends	PLN mil			0	0	0	108	12.2
growth rates
Net Interest Income Growth	%	...	...	27.9	-2.23	-2.50	-7.15	-21.7
Net Fee Income Growth	%	...	...	22.1	-0.421	-20.1	-14.7	-5.41
Total Revenue Growth	%	...	...	24.1	-1.67	-10.9	-9.09	-15.7
Operating Cost Growth	%	...	...	25.4	-2.42	-15.3	2.81	-16.6
Operating Profit Growth	%	...	...	21.4	0.050	-1.29	-31.8	-13.1
Pre-Tax Profit Growth	%	...	...	-99.9	-35,208	-325	16.5	-23.3
Net Profit Growth	%	...	...	-83.6	-356	-261	19.7	-26.3
market share
Market Share in Revenues	%	...		4.56	4.19	3.46	3.08	2.74
Market Share in Net Profit	%	...		0.638	-1.18	1.40	1.69	1.27
Market Share in Employees	%	...		3.86	3.88	3.49	3.20	3.13
Market Share in Branches	%	...	...	2.40	2.11	1.96	1.87	1.80

balance sheet	Unit	2007	2008	2009	2010	2011	2012	2013	2014	2015
balance sheet
Cash	PLN mil	...		1,243	3,688	4,081	5,377	1,073
Interbank Loans	PLN mil	...		514	906	407	648	327
Customer Loans	PLN mil	...		26,980	25,398	25,058	22,930	20,547
Mortgage Loans	PLN mil	...		15,702	16,013	17,249	15,322	14,348
Consumer Loans	PLN mil	...		9,393	8,926	7,680	6,748	6,045
Corporate Loans	PLN mil	...		5,192	4,878	5,148	5,178	4,300
Debt Securities	PLN mil	...		2,753	2,563	2,773	1,218	6,941
Fixed Assets	PLN mil	...		1,635	1,474	1,418	1,369	1,388
Total Assets	PLN mil	...		35,215	37,291	37,031	34,416	33,004
Shareholders' Equity	PLN mil	...		4,489	4,366	4,598	4,767	4,960
Of Which Minority Interest	PLN mil	...		99.8	113	128	31.2	31.1
Liabilities	PLN mil	...		30,726	32,925	32,433	29,650	28,044
Interbank Borrowing	PLN mil	...		779	486	264	377	315
Customer Deposits	PLN mil	...		28,696	31,355	31,177	28,364	26,882
Issued Debt Securities	PLN mil	...		1,251	1,085	991	909	847
Other Liabilities	PLN mil	...		< -0.001	< 0.001	< -0.001	< -0.001	< -0.001
asset quality
Non-Performing Loans	PLN mil	...		2,576	2,980	2,980	2,690	2,675
Gross Loans	PLN mil	...		29,096	28,111	27,852	25,376	22,862
Provisions	PLN mil	...		2,116	2,713	2,793	2,447	2,315
growth rates
Customer Loan Growth	%	...	...	-4.55	-5.86	-1.34	-8.49	-10.4
Retail Loan Growth	%	...	...	-1.07	-1.21	-0.550	-11.7	-7.69
Mortgage Loan Growth	%	...	...	-2.68	1.98	7.72	-11.2	-6.36
Consumer Loan Growth	%	...	...	4.17	-4.97	-14.0	-12.1	-10.4
Corporate Loan Growth	%	...	...	13.5	-6.04	5.53	0.588	-17.0
Total Asset Growth	%	...	...	-3.99	5.90	-0.697	-7.06	-4.10
Shareholders' Equity Growth	%	...	...	0.887	-2.75	5.32	3.67	4.05
Customer Deposit Growth	%	...	...	-1.29	9.26	-0.567	-9.02	-5.22
market share
Market Share in Customer Loans	%	...	...	...	3.23	2.76	2.46	2.12
Market Share in Corporate Loans	%	...		2.40	2.22	1.95	1.90	1.55
Market Share in Consumer Loans	%	...		4.42	4.05	3.37	2.97	2.52
Market Share in Mortgage Loans	%	...		7.26	6.01	5.43	4.78	4.30
Market Share in Total Assets	%	...		3.51	3.30	2.93	2.61	2.40
Market Share in Customer Deposits	%	...	...	...	3.84	3.46	3.07	2.76

ratios	Unit	2007	2008	2009	2010	2011	2012	2013	2014	2015
ratios
ROE	%	...		1.18	-3.05	4.87	5.57	3.96
ROA	%	...		0.147	-0.373	0.587	0.731	0.571
Costs (As % Of Assets)	%	...		4.37	4.23	3.50	3.74	3.31
Costs (As % Of Income)	%	...		69.5	69.0	65.6	74.2	73.4
Capital Adequacy Ratio	%	...		12.7	13.2	14.0	13.9	16.5
Tier 1 Ratio	%	...	...	...	10.9	11.6	11.7	13.9
Net Interest Margin	%	...		3.94	3.81	3.63	3.50	2.91
Interest Spread	%	...	...	3.52	3.47	3.34	3.22	2.63
Asset Yield	%	...		6.83	6.29	5.73	5.40	4.56
Cost Of Liabilities	%	...	...	3.31	2.82	2.39	2.19	1.93
Payout Ratio	%	...		0	0	0	41.3	6.33
Interest Income (As % Of Revenues)	%	...		62.5	62.2	68.0	69.5	64.5
Fee Income (As % Of Revenues)	%	...		33.8	34.3	30.7	28.8	32.3
Other Income (As % Of Revenues)	%	...		3.65	3.58	1.24	1.70	3.14
Cost Per Employee	USD per month	...		2,937	3,301	3,077	3,169	2,824
Cost Per Employee (Local Currency)	PLN per month	...		9,150	9,960	9,122	10,312	8,926
Staff Cost (As % Of Total Cost)	%	...		49.4	53.5	51.9	51.9	52.3
Equity (As % Of Assets)	%	...		12.7	11.7	12.4	13.9	15.0
Loans (As % Of Deposits)	%	...		94.0	81.0	80.4	80.8	76.4
Loans (As % Assets)	%	...		76.6	68.1	67.7	66.6	62.3
NPLs (As % Of Loans)	%	...		8.85	10.6	10.7	10.6	11.7
Provisions (As % Of NPLs)	%	...		82.1	91.0	93.7	91.0	86.5
Provisions (As % Of Loans)	%	...		7.84	10.7	11.1	10.7	11.3
Cost of Provisions (As % Of Loans)	%	...		2.50	3.14	1.53	0.500	0.640

other data	Unit	2007	2008	2009	2010	2011	2012	2013	2014	2015
other data
Branches		...	...	319	285	286	284	278
Employees		...		7,068	6,870	6,162	5,606	5,449

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BPH's net interest income fell 80.5% yoy to PLN 38.7 mil in 2Q2016

By Helgi Library - February 21, 2018

Bank BPH generated total banking revenues of PLN 55.6 mil in the second quarter of 2016, down 80.5% when compared to the same period of last year and up 14.6% when compared to the previous quarter. Historically, the bank’s revenues containing of i...

BPH's net profit rose 1,199% yoy to PLN 68.9 mil in 2Q2016

By Helgi Library - February 19, 2018

Bank BPH made a net profit of PLN 68.9 mil in the second quarter of 2016, up 1% when compared to the same period of last year. This implies a return on equity of 7.70%. Historically, the bank’s net profit reached an all time high of PLN 92.8 mil in 3Q2012 and an ...

BPH's net profit rose 1,199% yoy to PLN 68.9 mil in 2Q2016

By Helgi Library - February 19, 2018

BPH's Cost of Risk fell 99.3% yoy to 0.125% in 2Q2016

By Helgi Library - August 23, 2019

Bank BPH's Cost of Risk (loan loss provisions as % of total assets) amounted to 0.125% in the second quarter of 2016, down from 0.158% when compared to the previous quarter. Historically, the bank’s cost of risk reached an all time high of 30.2% in 4Q2011 an...

BPH's Cost of Risk fell 99.3% yoy to 0.125% in 2Q2016

By Helgi Library - August 23, 2019

BPH's customer loan growth fell 345% yoy to -34.4% in 2Q2016

By Helgi Library - July 24, 2019

Bank BPH's customer loan growth reached -34.4% in 2016-06-30, down from 14.0% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 14.0% in 2015-06-30 and an all time low of -34.4% in 2016-06-30. In the last dec...

BPH's customer loan growth fell 345% yoy to -34.4% in 2Q2016

By Helgi Library - July 24, 2019

BPH's equity (as % of assets) fell 25.4% yoy to 11.4% in 2Q2016

By Helgi Library - October 7, 2019

Bank BPH's Equity reached 6.86% of total assets in the 2Q2016, down from 7.85% for the previous year. As a share of net customer loans, the ratio amounted to 10.2% at the end of the second quarter of 2016. ...

BPH's equity (as % of assets) fell 25.4% yoy to 11.4% in 2Q2016

By Helgi Library - October 7, 2019

BPH's npls (as % of loans) fell 37.3% yoy to 5.90% in 4Q2015

By Helgi Library - July 24, 2019

Bank BPH's non-performing loans reached 5.90% of total loans at the end of 2015-12-31, down from 9.40% compared to the previous year. Historically, the NPL ratio hit an all time high of 11.7% in 2013-12-31 and an all time low of 5.90% in 2015-12-31. Provisi...

More News

Bank BPH (Bank Przemysłowo-Handlowy) is a Poland-based medium-sized universal bank. The Bank offers a typical range of banking services and products for retail as well as corporate segment, but provides also investment banking and treasury services, asset management, private banking, or leasing, for example. At the end of 2014, BPH offered its products and services through a network of 262 branches. Since 2008, Bank BPH is a part of General Electric Capital Corporation. In 2009, BPH merged GE's Polish operations to create a bank with roughly 3% of the Polish retail banking market. The Bank is based in Warsaw, Poland.

Finance

Bank BPH has been growing its revenues and asset by -11.5% and -3.42% a year on average in the last 5 years. Its loans and deposits have grown by -1.91% and -3.09% a year during that time and loans to deposits ratio reached 86.1% at the end of 2015. The company achieved an average return on equity of -1.37% in the last five years with net profit growing 51.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 188% in 2015, compared to 96.9% average in the last five years.

Equity represented 13.0% of total assets or 17.7% of loans at the end of 2015. Bank BPH's non-performing loans were 5.90% of total loans while provisions covered some 87.3% of NPLs at the end of 2015.

Valuation

Bank BPH stock traded at PLN 30.8 per share at the end of 2015 resulting in a market capitalization of USD 667 mil. Over the previous five years, stock price fell by 56.6% or 15.4% a year on average. That’s compared to an average ROE of -1.37% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of 0.579x in 2015.

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Bank BPH

BPH's net interest margin fell 79.9% yoy to 0.486% in 2Q2016

BPH's net interest margin fell 79.9% yoy to 0.486% in 2Q2016

BPH's net interest income fell 80.5% yoy to PLN 38.7 mil in 2Q2016

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BPH's net interest income fell 80.5% yoy to PLN 38.7 mil in 2Q2016

BPH's net profit rose 1,199% yoy to PLN 68.9 mil in 2Q2016

BPH's net profit rose 1,199% yoy to PLN 68.9 mil in 2Q2016

BPH's Cost of Risk fell 99.3% yoy to 0.125% in 2Q2016

BPH's Cost of Risk fell 99.3% yoy to 0.125% in 2Q2016

BPH's customer loan growth fell 345% yoy to -34.4% in 2Q2016

BPH's customer loan growth fell 345% yoy to -34.4% in 2Q2016

BPH's equity (as % of assets) fell 25.4% yoy to 11.4% in 2Q2016

BPH's equity (as % of assets) fell 25.4% yoy to 11.4% in 2Q2016

BPH's npls (as % of loans) fell 37.3% yoy to 5.90% in 4Q2015

Finance

Valuation

More Companies in Polish Banking Sector