By Helgi Library - September 20, 2018
BNP Paribas Bulgaria generated total banking revenues of BGN 11.5 mil in 2017, down 7.84% compared to the previous year. B...
By Helgi Library - September 20, 2018
BNP Paribas Bulgaria generated total banking revenues of BGN 11.5 mil in 2017, down 7.84% compared to the previous year. B...
By Helgi Library - September 3, 2018
BNP Paribas Bulgaria's customer deposits reached BGN 727 mil in 2017, down 0.521% compared to the previous year. Bulgarian bank...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | BGN mil | 7.67 | 6.96 | 6.29 |
| Net Fee Income | BGN mil | 5.17 | 5.39 | 5.12 |
| Other Income | BGN mil | 0.211 | 0.098 | 0.063 |
| Total Revenues | BGN mil | 13.1 | 12.4 | 11.5 |
| Operating Profit | BGN mil | -8.19 | -6.74 | -3.12 |
| Provisions | BGN mil | 0.091 | 0.425 | 0.239 |
| Net Profit | BGN mil | -8.26 | -7.12 | -3.27 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Customer Loans | BGN mil | 658 | 442 | 517 |
| Total Assets | BGN mil | 791 | 750 | 736 |
| Shareholders' Equity | BGN mil | 4.16 | -2.96 | -6.23 |
| Interbank Borrowing | BGN mil | 4.06 | 4.02 | 4.20 |
| Customer Deposits | BGN mil | 770 | 730 | 727 |
| Issued Debt Securities | BGN mil | 4.06 | 4.02 | 4.20 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | -99.7 | -1,186 | 71.1 |
| ROA | % | -1.08 | -0.924 | -0.439 |
| Costs (As % Of Assets) | % | 2.77 | 2.49 | 1.96 |
| Costs (As % Of Income) | % | 163 | 154 | 127 |
| Net Interest Margin | % | 0.999 | 0.904 | 0.846 |
| Loans (As % Of Deposits) | % | 85.5 | 60.5 | 71.2 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -4.39 | -4.61 | -7.84 |
| Operating Cost Growth | % | 17.6 | -9.68 | -23.9 |
| Operating Profit Growth | % | 85.4 | -17.7 | -53.7 |
| Net Profit Growth | % | 127 | -13.8 | -54.2 |
| Customer Loan Growth | % | 5.65 | -32.9 | 17.2 |
| Total Asset Growth | % | 6.39 | -5.10 | -1.93 |
| Customer Deposit Growth | % | 7.56 | -5.11 | -0.521 |
| Shareholders' Equity Growth | % | -66.5 | -171 | 110 |
Get all company financials in excel:
| summary | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||
| Net Interest Income | BGN mil | 11.6 | 8.95 | 6.03 | 6.61 | 7.67 | ||||||
| Total Revenues | BGN mil | 19.0 | 16.0 | 13.3 | 13.6 | 13.1 | ||||||
| Operating Profit | BGN mil | 3.72 | 0.255 | -0.640 | -4.42 | -8.19 | ||||||
| Net Profit | BGN mil | 5.01 | 0.117 | 0.165 | -3.64 | -8.26 | ||||||
| balance sheet | ||||||||||||
| Customer Loans | BGN mil | 434 | 334 | 418 | 623 | 658 | ||||||
| Debt Securities | BGN mil | 7.32 | 10.4 | 5.23 | 6.20 | 6.59 | ||||||
| Total Assets | BGN mil | 485 | 403 | 453 | 743 | 791 | ||||||
| Shareholders' Equity | BGN mil | 23.1 | 15.9 | 16.0 | 12.4 | 4.16 | ||||||
| Interbank Borrowing | BGN mil | 0 | 0 | 0 | 0 | 4.06 | ||||||
| Customer Deposits | BGN mil | 446 | 372 | 421 | 716 | 770 | ||||||
| Issued Debt Securities | BGN mil | 0.640 | 1.50 | 0.870 | 3.70 | 4.06 | ||||||
| ratios | ||||||||||||
| ROE | % | 24.3 | 0.601 | 1.04 | -25.6 | -99.7 | ||||||
| ROA | % | 1.04 | 0.026 | 0.039 | -0.608 | -1.08 | ||||||
| Costs (As % Of Assets) | % | 3.16 | 3.55 | 3.25 | 3.02 | 2.77 | ||||||
| Costs (As % Of Income) | % | 80.4 | 98.4 | 105 | 132 | 163 | ||||||
| Net Interest Margin | % | 2.41 | 2.02 | 1.41 | 1.10 | 0.999 | ||||||
| Interest Income (As % Of Revenues) | % | 61.3 | 56.0 | 45.4 | 48.4 | 58.7 | ||||||
| Fee Income (As % Of Revenues) | % | 32.0 | 35.0 | 41.9 | 33.2 | 39.6 | ||||||
| Equity (As % Of Assets) | % | 4.77 | 3.94 | 3.53 | 1.67 | 0.526 | ||||||
| Loans (As % Of Deposits) | % | 97.3 | 89.8 | 99.1 | 87.0 | 85.5 | ||||||
| Loans (As % Assets) | % | 89.5 | 82.8 | 92.1 | 83.8 | 83.2 | ||||||
| valuation | ||||||||||||
| Book Value Per Share Growth | % | ... | 0.527 | -23.0 | -32.7 | 9.57 | 16.0 |
| income statement | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||
| Interest Income | BGN mil | 15.3 | 10.9 | 7.80 | 12.2 | 12.8 | ||||||
| Interest Cost | BGN mil | 3.64 | 1.94 | 1.77 | 5.58 | 5.14 | ||||||
| Net Interest Income | BGN mil | 11.6 | 8.95 | 6.03 | 6.61 | 7.67 | ||||||
| Net Fee Income | BGN mil | 6.07 | 5.60 | 5.57 | 4.53 | 5.17 | ||||||
| Other Income | BGN mil | 1.27 | 1.44 | 1.68 | 2.52 | 0.211 | ||||||
| Total Revenues | BGN mil | 19.0 | 16.0 | 13.3 | 13.6 | 13.1 | ||||||
| Depreciation | BGN mil | 0.424 | 0.241 | 0.171 | 0.257 | 0.242 | ||||||
| Operating Cost | BGN mil | 15.3 | 15.7 | 13.9 | 18.1 | 21.2 | ||||||
| Operating Profit | BGN mil | 3.72 | 0.255 | -0.640 | -4.42 | -8.19 | ||||||
| Provisions | BGN mil | -1.84 | 0.153 | -0.811 | -0.804 | 0.091 | ||||||
| Extra and Other Cost | BGN mil | -0.019 | -0.020 | -0.022 | -0.022 | -0.014 | ||||||
| Pre-Tax Profit | BGN mil | 5.58 | 0.122 | 0.193 | -3.59 | -8.27 | ||||||
| Tax | BGN mil | 0.571 | 0.005 | 0.028 | 0.044 | -0.007 | ||||||
| Minorities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Net Profit | BGN mil | 5.01 | 0.117 | 0.165 | -3.64 | -8.26 | ||||||
| growth rates | ||||||||||||
| Net Interest Income Growth | % | ... | 0.527 | -23.0 | -32.7 | 9.57 | 16.0 | |||||
| Net Fee Income Growth | % | ... | -7.10 | -7.84 | -0.589 | -18.6 | 14.3 | |||||
| Total Revenue Growth | % | ... | -3.32 | -15.7 | -17.0 | 2.85 | -4.39 | |||||
| Operating Cost Growth | % | ... | 3.13 | 3.17 | -11.6 | 29.9 | 17.6 | |||||
| Operating Profit Growth | % | ... | -23.1 | -93.1 | -351 | 591 | 85.4 | |||||
| Pre-Tax Profit Growth | % | ... | 107 | -97.8 | 58.2 | -1,962 | 130 | |||||
| Net Profit Growth | % | ... | 108 | -97.7 | 41.0 | -2,305 | 127 | |||||
| market share | ||||||||||||
| Market Share in Revenues | % | 0.483 | 0.419 | 0.358 | 0.350 | 0.316 | ||||||
| Market Share in Net Profit | % | 1.06 | 0.022 | 0.033 | ... | ... | ... | ... |
| balance sheet | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||
| Cash | BGN mil | 42.7 | 56.3 | 28.5 | 113 | 125 | ||||||
| Customer Loans | BGN mil | 434 | 334 | 418 | 623 | 658 | ||||||
| Debt Securities | BGN mil | 7.32 | 10.4 | 5.23 | 6.20 | 6.59 | ||||||
| Fixed Assets | BGN mil | 0.531 | 0.427 | 0.665 | 0.548 | 0.455 | ||||||
| Total Assets | BGN mil | 485 | 403 | 453 | 743 | 791 | ||||||
| Shareholders' Equity | BGN mil | 23.1 | 15.9 | 16.0 | 12.4 | 4.16 | ||||||
| Of Which Minority Interest | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Liabilities | BGN mil | 462 | 387 | 437 | 731 | 787 | ||||||
| Interbank Borrowing | BGN mil | 0 | 0 | 0 | 0 | 4.06 | ||||||
| Customer Deposits | BGN mil | 446 | 372 | 421 | 716 | 770 | ||||||
| Issued Debt Securities | BGN mil | 0.640 | 1.50 | 0.870 | 3.70 | 4.06 | ||||||
| Other Liabilities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| growth rates | ||||||||||||
| Customer Loan Growth | % | ... | -2.80 | -23.0 | 25.2 | 49.1 | 5.65 | |||||
| Total Asset Growth | % | ... | 0.800 | -16.8 | 12.4 | 64.0 | 6.39 | |||||
| Shareholders' Equity Growth | % | ... | 27.7 | -31.3 | 0.706 | -22.3 | -66.5 | |||||
| Customer Deposit Growth | % | ... | -2.06 | -16.6 | 13.4 | 69.8 | 7.56 | |||||
| market share | ||||||||||||
| Market Share in Customer Loans | % | 0.800 | 0.599 | 0.748 | 1.21 | 1.30 | ||||||
| Market Share in Total Assets | % | 0.806 | 0.625 | 0.650 | 1.06 | 1.04 | ||||||
| Market Share in Customer Deposits | % | 0.834 | 0.642 | 0.670 | 1.11 | 1.15 |
| ratios | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||
| ROE | % | 24.3 | 0.601 | 1.04 | -25.6 | -99.7 | ||||||
| ROA | % | 1.04 | 0.026 | 0.039 | -0.608 | -1.08 | ||||||
| Costs (As % Of Assets) | % | 3.16 | 3.55 | 3.25 | 3.02 | 2.77 | ||||||
| Costs (As % Of Income) | % | 80.4 | 98.4 | 105 | 132 | 163 | ||||||
| Net Interest Margin | % | 2.41 | 2.02 | 1.41 | 1.10 | 0.999 | ||||||
| Interest Spread | % | ... | 2.38 | 2.00 | 1.39 | 1.08 | 0.992 | |||||
| Asset Yield | % | 3.16 | 2.45 | 1.82 | 2.04 | 1.67 | ||||||
| Cost Of Liabilities | % | ... | 0.788 | 0.457 | 0.430 | 0.956 | 0.677 | |||||
| Interest Income (As % Of Revenues) | % | 61.3 | 56.0 | 45.4 | 48.4 | 58.7 | ||||||
| Fee Income (As % Of Revenues) | % | 32.0 | 35.0 | 41.9 | 33.2 | 39.6 | ||||||
| Other Income (As % Of Revenues) | % | 6.69 | 9.01 | 12.6 | 18.4 | 1.62 | ||||||
| Equity (As % Of Assets) | % | 4.77 | 3.94 | 3.53 | 1.67 | 0.526 | ||||||
| Loans (As % Of Deposits) | % | 97.3 | 89.8 | 99.1 | 87.0 | 85.5 | ||||||
| Loans (As % Assets) | % | 89.5 | 82.8 | 92.1 | 83.8 | 83.2 | ||||||
| Cost of Provisions (As % Of Loans) | % | -0.419 | 0.040 | -0.216 | -0.155 | 0.014 |
Get all company financials in excel:
By Helgi Library - September 3, 2018
BNP Paribas Bulgaria's customer deposits reached BGN 727 mil in 2017, down 0.521% compared to the previous year. Bulgarian banking sector accepted customer deposits of BGN 76.5 bil in 2017, up 5.94% when compared to the last year. BNP Paribas Bulgaria acc...
By Helgi Library - September 3, 2018
BNP Paribas Bulgaria's net interest margin amounted to 0.846% in 2017, down from 0.904% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.55% in 2008 and an all time low of 0.846% in 2017. The aver...
By Helgi Library - September 3, 2018
BNP Paribas Bulgaria's net interest margin amounted to 0.846% in 2017, down from 0.904% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.55% in 2008 and an all time low of 0.846% in 2017. The aver...
By Helgi Library - September 3, 2018
BNP Paribas Bulgaria made a net profit of BGN -3.27 mil under revenues of BGN 11.5 mil in 2017, up 54.2% and -7.84% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of BGN 12.6 mil in 2008 and an all time low of ...
By Helgi Library - September 3, 2018
BNP Paribas Bulgaria made a net profit of BGN -3.27 mil under revenues of BGN 11.5 mil in 2017, up 54.2% and -7.84% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of BGN 12.6 mil in 2008 and an all time low of ...
By Helgi Library - September 3, 2018
BNP Paribas Bulgaria's customer loans reached BGN 517 mil in 2017, up 17.2% compared to the previous year. Bulgarian banking sector provided customer loans of BGN 59.7 bil in 2017, up 6.73% when compared to the last year. BNP Paribas Bulgaria accounted fo...
By Helgi Library - September 3, 2018
BNP Paribas Bulgaria's customer loans reached BGN 517 mil in 2017, up 17.2% compared to the previous year. Bulgarian banking sector provided customer loans of BGN 59.7 bil in 2017, up 6.73% when compared to the last year. BNP Paribas Bulgaria accounted fo...
By Helgi Library - September 3, 2018
BNP Paribas Bulgaria generated total banking revenues of BGN 11.5 mil in 2017, down 7.84% 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 BGN 24.6 mil in 2008...
By Helgi Library - September 3, 2018
BNP Paribas Bulgaria generated total banking revenues of BGN 11.5 mil in 2017, down 7.84% 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 BGN 24.6 mil in 2008...
By Helgi Library - September 3, 2018
BNP Paribas Bulgaria's customer loan growth reached 17.2% in 2017, up from -32.9% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 49.1% in 2014 and an all time low of -43.3% in 2009. In the last decade, the...
BNP Paribas Bulgaria has been growing its revenues and asset by -5.63% and -0.329% a year on average in the last 3 years. Its loans and deposits have grown by -5.99% and 0.507% a year during that time and loans to deposits ratio reached 71.2% at the end of 2017. The company achieved an average return on equity of -405% in the last three years with net profit growing -3.53% a year on average. In terms of operating efficiency, its cost to income ratio reached 127% in 2017, compared to 148% average in the last three years.
Equity represented -0.846% of total assets or -1.20% of loans at the end of 2017. BNP Paribas Bulgaria's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.
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