By Helgi Library - June 30, 2019
BNP Paribas Personal Finance's net interest margin amounted to 4.10% in 2018, up from 3.80% compared to the previous year. ...
By Helgi Library - June 30, 2019
BNP Paribas Personal Finance's net interest margin amounted to 4.10% in 2018, up from 3.80% compared to the previous year. ...
By Helgi Library - June 30, 2019
BNP Paribas Personal Finance made a net profit of EUR 691 mil under revenues of EUR 4,615 mil in 2018, up -0.432% and 7.68% respectiv...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | EUR mil | 3,442 | 3,530 | 3,892 |
| Net Fee Income | EUR mil | 782 | 731 | 690 |
| Other Income | EUR mil | 53.0 | 25.0 | 33.0 |
| Total Revenues | EUR mil | 4,277 | 4,286 | 4,615 |
| Staff Cost | EUR mil | 983 | 1,027 | 1,162 |
| Operating Profit | EUR mil | 2,068 | 1,964 | 2,111 |
| Provisions | EUR mil | 980 | 955 | 1,027 |
| Net Profit | EUR mil | 618 | 694 | 691 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | EUR mil | 11,689 | 11,210 | 6,997 |
| Customer Loans | EUR mil | 73,042 | 75,385 | 81,043 |
| Total Assets | EUR mil | 91,583 | 94,117 | 95,519 |
| Shareholders' Equity | EUR mil | 8,229 | 8,214 | 8,739 |
| Interbank Borrowing | EUR mil | 76,976 | 71,220 | 76,372 |
| Customer Deposits | EUR mil | 1,342 | 3,500 | 2,965 |
| Issued Debt Securities | EUR mil | 4,062 | 8,195 | 4,420 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 7.78 | 8.44 | 8.15 |
| ROA | % | 0.679 | 0.747 | 0.729 |
| Costs (As % Of Assets) | % | 2.43 | 2.50 | 2.64 |
| Costs (As % Of Income) | % | 51.6 | 54.2 | 54.3 |
| Net Interest Margin | % | 3.78 | 3.80 | 4.10 |
| Loans (As % Of Deposits) | % | 5,443 | 2,154 | 2,733 |
| NPLs (As % Of Loans) | % | 7.58 | 7.41 | 7.02 |
| Provisions (As % Of NPLs) | % | 80.9 | 70.0 | 67.6 |
| Growth Rates | 2016 | 2017 | 2018 | |
| Total Revenue Growth | % | -4.57 | 0.210 | 7.68 |
| Operating Cost Growth | % | -3.96 | 5.12 | 7.84 |
| Operating Profit Growth | % | -5.22 | -5.03 | 7.48 |
| Net Profit Growth | % | 9.57 | 12.3 | -0.432 |
| Customer Loan Growth | % | 3.88 | 3.21 | 7.51 |
| Total Asset Growth | % | 1.24 | 2.77 | 1.49 |
| Customer Deposit Growth | % | -3.38 | 161 | -15.3 |
| Shareholders' Equity Growth | % | 7.57 | -0.182 | 6.39 |
| Employees | ... | ... | ... | |
Get all company financials in excel:
| summary | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||||
| Net Interest Income | EUR mil | ... | 3,443 | 2,856 | 3,106 | 3,561 | 3,442 | |||||||
| Total Revenues | EUR mil | ... | 4,380 | 3,576 | 3,928 | 4,482 | 4,277 | |||||||
| Operating Profit | EUR mil | ... | 2,357 | 1,803 | 1,961 | 2,182 | 2,068 | |||||||
| Net Profit | EUR mil | ... | 519 | 321 | 484 | 564 | 618 | |||||||
| balance sheet | ||||||||||||||
| Interbank Loans | EUR mil | ... | 13,380 | 13,703 | 17,216 | 13,516 | 11,689 | |||||||
| Customer Loans | EUR mil | ... | 74,140 | 63,487 | 70,626 | 70,311 | 73,042 | |||||||
| Debt Securities | EUR mil | ... | 2,974 | 2,878 | 2,797 | 1,918 | 1,928 | |||||||
| Total Assets | EUR mil | ... | 93,559 | 82,827 | 94,007 | 90,458 | 91,583 | |||||||
| Shareholders' Equity | EUR mil | ... | 5,840 | 5,594 | 6,424 | 7,650 | 8,229 | |||||||
| Interbank Borrowing | EUR mil | ... | 76,713 | 69,078 | 77,615 | 74,730 | 76,976 | |||||||
| Customer Deposits | EUR mil | ... | 660 | 847 | 1,498 | 1,389 | 1,342 | |||||||
| Issued Debt Securities | EUR mil | ... | 9,678 | 6,944 | 7,572 | 5,836 | 4,062 | |||||||
| ratios | ||||||||||||||
| ROE | % | ... | 8.57 | 5.61 | 8.05 | 8.01 | 7.78 | |||||||
| ROA | % | ... | 0.541 | 0.364 | 0.547 | 0.611 | 0.679 | |||||||
| Costs (As % Of Assets) | % | ... | 2.11 | 2.01 | 2.22 | 2.49 | 2.43 | |||||||
| Costs (As % Of Income) | % | ... | 46.2 | 49.6 | 50.1 | 51.3 | 51.6 | |||||||
| Net Interest Margin | % | ... | 3.59 | 3.24 | 3.51 | 3.86 | 3.78 | |||||||
| Interest Income (As % Of Revenues) | % | ... | 78.6 | 79.9 | 79.1 | 79.5 | 80.5 | |||||||
| Fee Income (As % Of Revenues) | % | ... | 20.6 | 20.3 | 20.1 | 19.1 | 18.3 | |||||||
| Staff Cost (As % Of Total Cost) | % | ... | 29.7 | 43.0 | 42.7 | 43.6 | 44.5 | |||||||
| Equity (As % Of Assets) | % | ... | 6.24 | 6.75 | 6.83 | 8.46 | 8.99 | |||||||
| Loans (As % Of Deposits) | % | ... | 11,233 | 7,496 | 4,715 | 5,062 | 5,443 | |||||||
| Loans (As % Assets) | % | ... | 79.2 | 76.7 | 75.1 | 77.7 | 79.8 | |||||||
| NPLs (As % Of Loans) | % | ... | 6.37 | 8.13 | 7.47 | 7.66 | 7.58 | |||||||
| Provisions (As % Of NPLs) | % | ... | 115 | 80.0 | 80.1 | 79.6 | 80.9 | |||||||
| valuation | ||||||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Earnings Per Share (EPS) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||
| Book Value Per Share | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Book Value Per Share Growth | % | ... | ... | -3.58 | -17.0 | 8.75 | 14.6 | -3.34 |
| income statement | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||||
| Interest Income | EUR mil | ... | 5,896 | 4,715 | 4,999 | 5,432 | 5,270 | |||||||
| Interest Cost | EUR mil | ... | 2,453 | 1,859 | 1,893 | 1,871 | 1,828 | |||||||
| Net Interest Income | EUR mil | ... | 3,443 | 2,856 | 3,106 | 3,561 | 3,442 | |||||||
| Net Fee Income | EUR mil | ... | 904 | 725 | 788 | 858 | 782 | |||||||
| Other Income | EUR mil | ... | 33.0 | -5.00 | 34.0 | 63.0 | 53.0 | |||||||
| Total Revenues | EUR mil | ... | 4,380 | 3,576 | 3,928 | 4,482 | 4,277 | |||||||
| Staff Cost | EUR mil | 600 | 762 | 839 | 1,003 | 983 | ||||||||
| Depreciation | EUR mil | ... | 96.0 | 92.0 | 87.0 | 104 | 100 | |||||||
| Other Cost | EUR mil | ... | 1,327 | 919 | 1,041 | 1,193 | 1,126 | |||||||
| Operating Cost | EUR mil | ... | 2,023 | 1,773 | 1,967 | 2,300 | 2,209 | |||||||
| Operating Profit | EUR mil | ... | 2,357 | 1,803 | 1,961 | 2,182 | 2,068 | |||||||
| Provisions | EUR mil | ... | 1,421 | 1,114 | 1,088 | 1,164 | 980 | |||||||
| Extra and Other Cost | EUR mil | ... | 62.0 | 24.0 | -21.0 | -61.0 | -10.0 | |||||||
| Pre-Tax Profit | EUR mil | ... | 874 | 665 | 894 | 1,079 | 1,098 | |||||||
| Tax | EUR mil | ... | 307 | 299 | 370 | 459 | 425 | |||||||
| Minorities | EUR mil | ... | 48.0 | 45.0 | 40.0 | 56.0 | 55.0 | |||||||
| Net Profit | EUR mil | ... | 519 | 321 | 484 | 564 | 618 | |||||||
| growth rates | ||||||||||||||
| Net Interest Income Growth | % | ... | ... | -3.58 | -17.0 | 8.75 | 14.6 | -3.34 | ||||||
| Net Fee Income Growth | % | ... | ... | -5.93 | -19.8 | 8.69 | 8.88 | -8.86 | ||||||
| Total Revenue Growth | % | ... | ... | -5.09 | -18.4 | 9.84 | 14.1 | -4.57 | ||||||
| Operating Cost Growth | % | ... | ... | -3.21 | -12.4 | 10.9 | 16.9 | -3.96 | ||||||
| Operating Profit Growth | % | ... | ... | -6.65 | -23.5 | 8.76 | 11.3 | -5.22 | ||||||
| Pre-Tax Profit Growth | % | ... | ... | 6.46 | -23.9 | 34.4 | 20.7 | 1.76 | ||||||
| Net Profit Growth | % | ... | ... | 15.1 | -38.2 | 50.8 | 16.5 | 9.57 |
| balance sheet | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | ||||||||||||||
| Cash | EUR mil | ... | 73.0 | 40.0 | 165 | 677 | 794 | |||||||
| Interbank Loans | EUR mil | ... | 13,380 | 13,703 | 17,216 | 13,516 | 11,689 | |||||||
| Customer Loans | EUR mil | ... | 74,140 | 63,487 | 70,626 | 70,311 | 73,042 | |||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | 74,140 | 63,487 | 70,626 | 70,311 | 73,042 | |||
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | 34,554 | 28,209 | 26,096 | 23,689 | 21,229 | |||
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | 39,586 | 35,278 | 44,530 | 46,622 | 51,813 | |||
| Corporate Loans | EUR mil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||
| Debt Securities | EUR mil | ... | 2,974 | 2,878 | 2,797 | 1,918 | 1,928 | |||||||
| Fixed Assets | EUR mil | ... | 395 | 312 | 418 | 505 | 527 | |||||||
| Total Assets | EUR mil | ... | 93,559 | 82,827 | 94,007 | 90,458 | 91,583 | |||||||
| Shareholders' Equity | EUR mil | ... | 5,840 | 5,594 | 6,424 | 7,650 | 8,229 | |||||||
| Of Which Minority Interest | EUR mil | ... | 429 | 402 | 508 | 518 | 586 | |||||||
| Liabilities | EUR mil | ... | 87,719 | 77,233 | 87,583 | 82,808 | 83,354 | |||||||
| Interbank Borrowing | EUR mil | ... | 76,713 | 69,078 | 77,615 | 74,730 | 76,976 | |||||||
| Customer Deposits | EUR mil | ... | 660 | 847 | 1,498 | 1,389 | 1,342 | |||||||
| Issued Debt Securities | EUR mil | ... | 9,678 | 6,944 | 7,572 | 5,836 | 4,062 | |||||||
| Other Liabilities | EUR mil | ... | 668 | 364 | 898 | 853 | 974 | |||||||
| asset quality | ||||||||||||||
| Non-Performing Loans | EUR mil | ... | 5,099 | 5,518 | 5,610 | 5,733 | 5,897 | |||||||
| Gross Loans | EUR mil | ... | 79,991 | 67,901 | 75,119 | 74,874 | 77,813 | |||||||
| Total Provisions | EUR mil | 5,851 | 4,414 | 4,493 | 4,563 | 4,771 | ||||||||
| growth rates | ||||||||||||||
| Customer Loan Growth | % | ... | ... | -2.45 | -14.4 | 11.2 | -0.446 | 3.88 | ||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | -2.45 | -14.4 | 11.2 | -0.446 | 3.88 | ||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | -3.36 | -18.4 | -7.49 | -9.22 | -10.4 | ||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | -1.64 | -10.9 | 26.2 | 4.70 | 11.1 | ||
| Total Asset Growth | % | ... | ... | -4.72 | -11.5 | 13.5 | -3.78 | 1.24 | ||||||
| Shareholders' Equity Growth | % | ... | ... | -6.93 | -4.21 | 14.8 | 19.1 | 7.57 | ||||||
| Customer Deposit Growth | % | ... | ... | -2.37 | 28.3 | 76.9 | -7.28 | -3.38 |
| ratios | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | ||||||||||||||
| ROE | % | ... | 8.57 | 5.61 | 8.05 | 8.01 | 7.78 | |||||||
| ROA | % | ... | 0.541 | 0.364 | 0.547 | 0.611 | 0.679 | |||||||
| Costs (As % Of Assets) | % | ... | 2.11 | 2.01 | 2.22 | 2.49 | 2.43 | |||||||
| Costs (As % Of Income) | % | ... | 46.2 | 49.6 | 50.1 | 51.3 | 51.6 | |||||||
| Net Interest Margin | % | ... | 3.59 | 3.24 | 3.51 | 3.86 | 3.78 | |||||||
| Interest Spread | % | ... | ... | 3.42 | 3.09 | 3.36 | 3.69 | 3.59 | ||||||
| Asset Yield | % | ... | 6.15 | 5.35 | 5.65 | 5.89 | 5.79 | |||||||
| Cost Of Liabilities | % | ... | ... | 2.73 | 2.25 | 2.30 | 2.20 | 2.20 | ||||||
| Interest Income (As % Of Revenues) | % | ... | 78.6 | 79.9 | 79.1 | 79.5 | 80.5 | |||||||
| Fee Income (As % Of Revenues) | % | ... | 20.6 | 20.3 | 20.1 | 19.1 | 18.3 | |||||||
| Other Income (As % Of Revenues) | % | ... | 0.753 | -0.140 | 0.866 | 1.41 | 1.24 | |||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | ... | |||||
| Cost Per Employee (Local Currency) | EUR per month | ... | ... | ... | ... | ... | ... | ... | ... | |||||
| Staff Cost (As % Of Total Cost) | % | ... | 29.7 | 43.0 | 42.7 | 43.6 | 44.5 | |||||||
| Equity (As % Of Assets) | % | ... | 6.24 | 6.75 | 6.83 | 8.46 | 8.99 | |||||||
| Loans (As % Of Deposits) | % | ... | 11,233 | 7,496 | 4,715 | 5,062 | 5,443 | |||||||
| Loans (As % Assets) | % | ... | 79.2 | 76.7 | 75.1 | 77.7 | 79.8 | |||||||
| NPLs (As % Of Loans) | % | ... | 6.37 | 8.13 | 7.47 | 7.66 | 7.58 | |||||||
| Provisions (As % Of NPLs) | % | ... | 115 | 80.0 | 80.1 | 79.6 | 80.9 | |||||||
| Provisions (As % Of Loans) | % | ... | 7.89 | 6.95 | 6.36 | 6.49 | 6.53 | |||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.89 | 1.62 | 1.62 | 1.65 | 1.37 |
| other data | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | ||||||||||||||
| Employees | ... | ... | ... | ... | ... | ... | ... | ... | ||||||
| Revenues From Abroad | EUR mil | ... | 2,447 | 2,336 | 2,448 | 2,791 | 2,766 | |||||||
| Revenues From Abroad (As % Of Total) | % | ... | 55.9 | 65.3 | 62.3 | 62.3 | 64.7 |
Get all company financials in excel:
By Helgi Library - June 30, 2019
BNP Paribas Personal Finance made a net profit of EUR 691 mil under revenues of EUR 4,615 mil in 2018, up -0.432% and 7.68% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 694 mil in 2017 and an all time low...
By Helgi Library - June 30, 2019
BNP Paribas Personal Finance's non-performing loans reached 7.02% of total loans at the end of 2018, down from 7.41% compared to the previous year. Historically, the NPL ratio hit an all time high of 8.13% in 2013 and an all time low of 5.73% in 2007. Provi...
By Helgi Library - June 30, 2019
BNP Paribas Personal Finance's non-performing loans reached 7.02% of total loans at the end of 2018, down from 7.41% compared to the previous year. Historically, the NPL ratio hit an all time high of 8.13% in 2013 and an all time low of 5.73% in 2007. Provi...
By Helgi Library - June 30, 2019
BNP Paribas Personal Finance's loans reached EUR 85,078 mil in the 2018, up from EUR 79,506 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 85,078 mil in 2018 and an all time low of EUR 67,901 mil in 2013. ...
By Helgi Library - June 30, 2019
BNP Paribas Personal Finance's loans reached EUR 85,078 mil in the 2018, up from EUR 79,506 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 85,078 mil in 2018 and an all time low of EUR 67,901 mil in 2013. ...
By Helgi Library - June 30, 2019
BNP Paribas Personal Finance's customer loan growth reached 7.51% in 2018, up from 3.21% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 12.6% in 2008 and an all time low of -14.4% in 2013. In the last deca...
By Helgi Library - June 30, 2019
BNP Paribas Personal Finance's retail loans reached EUR 81,043 mil at the end of 2018, up 7.51% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%. Overall, retail loans accounted for 100% of the bank's loan boo...
By Helgi Library - June 30, 2019
BNP Paribas Personal Finance's customer loan growth reached 7.51% in 2018, up from 3.21% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 12.6% in 2008 and an all time low of -14.4% in 2013. In the last deca...
By Helgi Library - June 30, 2019
BNP Paribas Personal Finance's retail loans reached EUR 81,043 mil at the end of 2018, up 7.51% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%. Overall, retail loans accounted for 100% of the bank's loan boo...
BNP Paribas Personal Finance has been growing its revenues and asset by 2.06% and 0.727% a year on average in the last 10 years. Its loans and deposits have grown by 1.38% and 17.9% a year during that time and loans to deposits ratio reached 2,733% at the end of 2018. The company achieved an average return on equity of 7.19% in the last decade with net profit growing 2.36% a year on average. In terms of operating efficiency, its cost to income ratio reached 54.3% in 2018, compared to 49.4% average in the last decade.
Equity represented 9.15% of total assets or 10.8% of loans at the end of 2018. BNP Paribas Personal Finance's non-performing loans were 7.02% of total loans while provisions covered some 67.6% of NPLs at the end of 2018.
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