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BNP Paribas

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

By Helgi Library - 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 npls (as % of loans) fell 21.9% yoy to 3.15% in 3Q2019

By Helgi Library - 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 Library - 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...

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Annual Quarterly LTM

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
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
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

Institutional Sign In

BNP Paribas

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

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

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

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

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

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

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

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

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

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

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

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

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

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