By Helgi Library - December 22, 2019
BPCE SA's net interest margin amounted to 0.197% in 2018, down from 0.392% compared to the previous year. Historically, th...
By Helgi Library - December 22, 2019
BPCE SA's net interest margin amounted to 0.197% in 2018, down from 0.392% compared to the previous year. Historically, th...
By Helgi Library - December 22, 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,...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | EUR mil | 3,180 | 2,992 | 1,486 |
| Net Fee Income | EUR mil | 3,572 | 3,973 | 4,013 |
| 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 |
| 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 | |
Get all company financials in excel:
| 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 |
Get all company financials in excel:
By Helgi Library - December 22, 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, the bank’s capital ratio hit an all time high of 19.6% in 2018 and an all time low of 12.5% in 2012. The Tier 1 ratio amounted to ...
By Helgi Library - December 22, 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...
By Helgi Library - December 22, 2019
BPCE SA generated total banking revenues of EUR 13,178 mil in 2018, up 3.04% 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 EUR 13,178 mil in 2018 and an all...
By Helgi Library - December 22, 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...
By Helgi Library - December 22, 2019
BPCE SA generated total banking revenues of EUR 13,178 mil in 2018, up 3.04% 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 EUR 13,178 mil in 2018 and an all...
By Helgi Library - December 22, 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...
By Helgi Library - December 22, 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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