Financial Ratios BNP Paribas Bank Polska S.A.

Equities

BNP

PLBGZ0000010

Banks

Market Closed - Warsaw S.E. Other stock markets 16:55:42 23/01/2026 GMT			5-day change	1st Jan Change
142.00 ^PLN	0.00%		+7.58%	+8.81%

01-02	Bnp Paribas BP says Agnieszka Wolska resigns as deputy CEO	RE
12-30	Ailleron gets EUR 4.3 mln additional credit tranche from BNP Paribas BP for its unit	RE

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Published financial data: BNP PARIBAS BANK POLSKA S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	3.21B	3.01B	5.86B	8.67B	8.47B
Interest Income On Investments	403M	417M	632M	1.17B	1.79B
Interest Income, Total	3.61B	3.43B	6.49B	9.84B	10.26B
Interest On Deposits	543M	280M	2.99B	4.6B	4.5B
Interest Expense, Total	543M	280M	2.99B	4.6B	4.5B
Net Interest Income	3.07B	3.15B	3.5B	5.24B	5.75B
Income From Trading Activities	748M	633M	755M	951M	841M
Gain (Loss) on Sale of Assets	73.63M	-683K	-3.95M	4.39M	5.06M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-2.16M	4.44M	-978K
Total Other Non Interest Income	934M	1.09B	1.18B	1.16B	1.27B
Non Interest Income, Total	1.76B	1.73B	1.93B	2.12B	2.11B
Revenues Before Provison For Loan Losses	4.83B	4.88B	5.43B	7.35B	7.87B
Provision For Loan Losses	601M	266M	275M	34.37M	246M
Total Revenues	4.22B	4.61B	5.16B	7.32B	7.62B
Occupancy Expense	368M	400M	412M	457M	514M
Selling General & Admin Expenses, Total	2.14B	2.17B	2.66B	2.64B	2.88B
Total Other Non Interest Expense	369M	362M	472M	427M	427M
Non Interest Expense, Total	2.87B	2.93B	3.54B	3.52B	3.82B
EBT, Excl. Unusual Items	1.35B	1.68B	1.61B	3.8B	3.8B
Restructuring Charges	-22.5M	-1.09M	-775K	-31.3M	-649K
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-	-	-	-	-
Legal Settlements	-218M	-1.07B	-742M	-2B	-846M
EBT, Incl. Unusual Items	1.11B	616M	872M	1.76B	2.95B
Income Tax Expense	377M	440M	430M	751M	596M
Earnings From Continuing Operations	733M	176M	441M	1.01B	2.36B
Net Income to Company	733M	176M	441M	1.01B	2.36B
Net Income - (IS)	733M	176M	441M	1.01B	2.36B
Net Income to Common Incl Extra Items	733M	176M	441M	1.01B	2.36B
Net Income to Common Excl. Extra Items	733M	176M	441M	1.01B	2.36B
Per Share Items
Net EPS - Basic	4.97	1.2	2.99	6.86	15.96
Basic EPS - Continuing Operations	4.97	1.2	2.99	6.86	15.96
Basic Weighted Average Shares Outstanding	147M	147M	148M	148M	148M
Net EPS - Diluted	4.96	1.19	2.99	6.85	15.94
Diluted EPS - Continuing Operations	4.96	1.19	2.99	6.85	15.94
Diluted Weighted Average Shares Outstanding	148M	148M	148M	148M	148M
Normalized Basic EPS	5.73	7.13	6.84	16.08	16.08
Normalized Diluted EPS	5.72	7.12	6.83	16.07	16.06
Dividend Per Share	-	-	-	3.41	7.86
Payout Ratio	-	-	-	-	21.37
Supplemental Items
Effective Tax Rate - (Ratio)	33.99	71.39	49.37	42.57	20.17
Current Domestic Taxes	186M	371M	390M	687M	696M
Total Current Taxes	186M	371M	390M	687M	696M
Deferred Domestic Taxes	192M	68.73M	40.11M	63.27M	-99.89M
Total Deferred Taxes	192M	68.73M	40.11M	63.27M	-99.89M
Normalized Net Income	845M	1.05B	1.01B	2.37B	2.38B
Non-Cash Pension Expense	-928K	308K	854K	-1.1M	4.75M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	3.98M	4.34M	4.46M	4.8M	5.74M
Total Stock-Based Compensation	3.98M	4.34M	4.46M	4.8M	5.74M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	3.4B	3.93B	13.17B	11.42B	9.35B
Investment Securities, Total	33.34B	32.15B	39.3B	42.94B	55.39B
Trading Asset Securities, Total	2.44B	2.31B	3.57B	3.53B	2.99B
Mortgage Backed Securities	5.49M	5.53M	1.21M	-	-
Total investments	35.78B	34.47B	42.87B	46.48B	58.38B
Gross Loans	78.99B	89.5B	93.3B	89.05B	88.66B
Allowance For Loan Losses	-3.19B	-2.96B	-3.01B	-2.52B	-2.46B
Other Adjustments to Gross Loans	-154M	-98.52M	-26.15M	-60.26M	-82.03M
Net Loans	75.65B	86.44B	90.27B	86.47B	86.12B
Gross Property Plant And Equipment	2.66B	2.35B	2.23B	2.2B	2.27B
Accumulated Depreciation	-1.18B	-1.11B	-1.16B	-1.24B	-1.32B
Net Property Plant And Equipment	1.48B	1.24B	1.07B	960M	947M
Other Intangibles, Total	652M	728M	821M	936M	975M
Investment in Real Estate	-	-	-	-	-
Accrued Interest Receivable	97.4M	107M	88.16M	104M	101M
Other Receivables	912M	1.79B	1.22B	9.02B	1.29B
Restricted Cash	18.18M	1.58B	48.7M	4.46B	8.94B
Other Current Assets, Total	331M	145M	387M	260M	403M
Deferred Tax Assets Long-Term (Collected)	746M	877M	966M	767M	860M
Deferred Charges Long-Term	32.84M	48.06M	78.59M	67.51M	104M
Other Long-Term Assets, Total	474M	421M	522M	91.29M	64.64M
Total Assets	120B	132B	152B	161B	168B
Liabilities
Accrued Expenses, Total	631M	668M	796M	923M	1.02B
Interest Bearing Deposits	13.17B	14.63B	39.13B	42.19B	44.17B
Non-Interest Bearing Deposits	79.3B	88.85B	81.1B	85.03B	86.92B
Total Deposits	92.47B	103B	120B	127B	131B
Short-Term Borrowings	2.15B	1.96B	2.7B	2.86B	2.57B
Current Portion of Leases	126M	127M	133M	138M	138M
Long-Term Debt	10.03B	10.68B	11.74B	13.34B	13.25B
Long-Term Leases	861M	761M	614M	516M	469M
Current Income Taxes Payable	-	176M	224M	377M	362M
Other Current Liabilities - (Bank / Utility Template)	129M	159M	172M	170M	443M
Unearned Revenue Non Current	91.69M	89.11M	83.51M	76.66M	83.82M
Pension & Other Post Retirement Benefits	18.19M	15.86M	18.99M	20.78M	24.84M
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	1.04B	2.3B	3.55B	2.51B	2.7B
Total Liabilities	108B	120B	140B	148B	152B
Common Stock, Total	147M	148M	148M	148M	148M
Additional Paid In Capital	9.11B	9.11B	9.11B	9.11B	9.16B
Retained Earnings	934M	380M	638M	1.27B	2.57B
Comprehensive Income and Other	1.84B	1.72B	1.37B	2.33B	3.52B
Total Common Equity	12.03B	11.36B	11.26B	12.86B	15.39B
Total Equity	12.03B	11.36B	11.26B	12.86B	15.39B
Total Liabilities And Equity	120B	132B	152B	161B	168B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	147M	148M	148M	148M	148M
ECS Total Common Shares Outstanding	147M	148M	148M	148M	148M
Book Value / Share	81.61	77.02	76.31	87.09	99.76
Tangible Book Value	11.38B	10.63B	10.44B	11.93B	14.42B
Tangible Book Value Per Share	77.19	72.08	70.74	80.75	93.16
Total Debt	13.16B	13.54B	15.19B	16.85B	16.42B
Deposits at Interest - Cash	24.92M	2.23B	1.49B	4.53B	-
Net Debt	7.2B	7.21B	-1.74B	1.84B	4.08B
Full Time Employees	9.02K	8.67K	8.41K	8.1K	7.42K
Part Time Employees	-	-	179	103	97
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	733M	176M	441M	1.01B	2.36B
Depreciation, Depletion & Amortization	235M	230M	207M	211M	216M
Amortization of Goodwill and Intangible Assets - (CF)	133M	169M	205M	246M	298M
Total Depreciation, Depletion & Amortization	368M	400M	412M	457M	514M
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-141M	110M	-6.01M	-194M	-50M
Total Asset Writedown	-	-	-	-	-
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Change in Trading Asset Securities	-1.03B	96.03M	-1.29B	16.06M	570M
Change In Income Taxes	-	-	-	-	-
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	874M	-10.64B	-3.34B	-3.02B	7.15B
Other Operating Activities	-94.72M	655M	545M	553M	259M
Cash from Operations	705M	-9.2B	-3.24B	-1.18B	10.8B
Capital Expenditure	-371M	-342M	-338M	-446M	-465M
Sale of Property, Plant, and Equipment	133M	46.48M	15.74M	23.76M	13.06M
Cash Acquisitions	-	-	-	-	-
Divestitures	-	-	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	30.96M	-	-	-	-
Investment in Marketable and Equity Securities, Total	-7.31B	66.93M	-7.75B	-2.72B	-12.6B
Other Investing Activities, Total	9.69M	8.59M	11.55M	12.52M	14.98M
Cash from Investing	-7.51B	-220M	-8.06B	-3.13B	-13.04B
Long-Term Debt Issued, Total	3.86B	2.4B	2.19B	2.23B	3.97B
Total Debt Issued	3.86B	2.4B	2.19B	2.23B	3.97B
Long-Term Debt Repaid, Total	-2.18B	-2.18B	-1.83B	-2.32B	-3.3B
Total Debt Repaid	-2.18B	-2.18B	-1.83B	-2.32B	-3.3B
Issuance of Common Stock	-	100K	74K	1.78M	650M
Common Dividends Paid	-	-	-	-	-504M
Common & Preferred Stock Dividends Paid	-	-	-	-	-504M
Net Increase (Decrease) in Deposit Accounts - (CF)	3.99B	11.02B	18.64B	7.05B	3.83B
Other Financing Activities, Total	-	-	-	-	-108K
Cash from Financing	5.67B	11.23B	19.01B	6.96B	4.65B
Net Change in Cash	-1.13B	1.81B	7.7B	2.66B	2.42B
Supplemental Items
Cash Interest Paid	593M	287M	2.68B	4.49B	4.32B
Cash Income Tax Paid (Refund)	-	-	-	491M	713M
Net Debt Issued / Repaid	1.68B	212M	366M	-91.74M	671M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.64	0.14	0.31	0.65	1.44
Return On Equity %	6.32	1.51	3.9	8.39	16.69
Return on Common Equity	6.32	1.51	3.9	8.39	16.69
Shareholders Value Added	-511M	-1.06B	-711M	-169M	962M
Margin Analysis
SG&A Margin	59.27	55.66	59.54	42.25	44.53
Net Interest Income / Total Revenues %	72.67	68.31	67.95	71.55	75.49
EBT Excl. Non-Recurring Items Margin %	31.99	36.49	31.31	51.91	49.87
Income From Continuing Operations Margin %	17.35	3.82	8.56	13.84	30.94
Net Income Margin %	17.35	3.82	8.56	13.84	30.94
Net Avail. For Common Margin %	17.35	3.82	8.56	13.84	30.94
Normalized Net Income Margin	20	22.81	19.57	32.45	31.17
Asset quality
Nonperforming Loans / Total Loans %	5.41	3.67	3.3	3	-
Nonperforming Loans / Total Assets %	3.57	2.49	2.03	1.66	-
Nonperforming Assets / Total Assets %	3.57	2.49	2.03	1.66	-
NPAs / Loans and OREO	5.41	3.67	3.3	3	-
NPAs / Equity	35.51	28.9	27.37	20.75	-
Allowance for Credit Losses / Net Charge-offs %	350.2	395.53	626.44	511.1	-
Allowance for Credit Losses / Nonperforming Loans %	74.61	90.23	97.51	94.33	-
Allowance for Credit Losses / Total Loans %	4.03	3.31	3.22	2.83	2.77
Provision for Loan Losses / Net Charge-offs %	66.1	35.54	57.31	6.98	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.1	9.31	7.99	7.75	8.6
Total Average Equity / Total Average Assets %	10.1	9.31	7.99	7.75	8.6
Total Equity + Allowance for Loan Losses / Total Loans %	19.27	16.01	15.29	17.27	20.14
Gross Loans / Total Deposits %	85.42	86.49	77.61	69.99	67.63
Net Loans / Total Deposits %	81.81	83.53	75.08	67.97	65.69
Tier 1 Capital Ratio %	13.55	12.33	11.28	12.51	-
Total Capital Ratio %	18.65	16.91	15.55	16.67	-
Core Tier 1 Capital Ratio	13.55	12.33	11.28	12.51	-
Tier 2 Capital Ratio	-	-	-	-	-
Coverage Ratio	74.61	90.23	97.51	94.33	-
Interbank Ratio	15.59	32.99	149.19	187.29	80.63
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.05	3.2	1.29	1.38	1.66
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.31	2.6	11.25	49.45	9.89
Non Interest Income, 1 Yr. Growth %	19.77	-1.66	11.64	9.77	-0.09
Provision For Loan Losses, 1 Yr. Growth %	36.12	-55.75	3.32	-87.5	616.32
Total Revenues, 1 Yr. Growth %	0.6	9.14	11.85	41.92	4.15
Earnings From Cont. Operations, 1 Yr. Growth %	19.26	-75.95	150.43	129.34	132.9
Net Income, 1 Yr. Growth %	19.26	-75.95	150.43	129.34	132.9
Normalized Net Income, 1 Yr. Growth %	38.67	24.49	-4.04	135.32	0.38
Diluted EPS Before Extra, 1 Yr. Growth %	18.95	-76.01	151.26	129.1	132.7
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	130.5
Gross Loans, 1 Yr. Growth %	2.19	13.3	4.25	-3.07	-0.44
Allowance For Loan Losses, 1 Yr. Growth %	-1.28	-7.04	1.47	-15.46	-2.35
Net Loans, 1 Yr. Growth %	2.43	14.26	4.43	-2.69	-0.41
Non Performing Loans, 1 Yr. Growth %	-3.51	-23.13	-6.11	-11.3	-
Non Performing Assets, 1 Yr. Growth %	-3.51	-23.13	-6.11	-11.3	-
Total Assets, 1 Yr. Growth %	8.75	10.2	14.98	7.27	4.05
Total Deposits, 1 Yr Growth %	6.62	11.9	16.18	5.83	3.04
Tangible Book Value, 1 Yr. Growth %	6.95	-6.55	-1.81	14.21	20.91
Common Equity, 1 Yr. Growth %	7.81	-5.56	-0.88	14.2	19.69
Total Equity, 1 Yr. Growth %	7.81	-5.56	-0.88	14.2	19.69
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	20.57	-0.4	6.84	28.94	28.15
Non Interest Income, 2 Yr. CAGR %	37.17	8.53	4.78	10.7	4.72
Provision For Loan Losses, 2 Yr. CAGR %	3.85	-22.39	-32.38	-64.07	-5.38
Total Revenues, 2 Yr. CAGR %	30.32	4.78	10.49	25.99	21.58
Earnings From Cont. Operations, 2 Yr. CAGR %	42.63	-46.45	-22.4	139.65	131.12
Net Income, 2 Yr. CAGR %	42.63	-46.45	-22.4	139.65	131.12
Normalized Net Income, 2 Yr. CAGR %	103.28	31.39	9.3	50.27	53.44
Diluted EPS Before Extra, 2 Yr. CAGR %	16.93	-46.58	-22.36	139.92	130.89
Gross Loans, 2 Yr. CAGR %	1.46	7.6	8.68	-0.25	-1.76
Allowance For Loan Losses, 2 Yr. CAGR %	2.09	-4.2	-2.88	-7.82	-9.14
Net Loans, 2 Yr. CAGR %	1.49	8.18	9.24	0.02	-1.55
Non Performing Loans, 2 Yr. CAGR %	-0.32	-13.88	-15.04	-9.84	-
Non Performing Assets, 2 Yr. CAGR %	-0.32	-13.88	-15.04	-9.84	-
Total Assets, 2 Yr. CAGR %	4.73	9.47	12.57	10.54	5.65
Total Deposits, 2 Yr CAGR %	2.53	9.23	14.02	10.88	4.42
Tangible Book Value, 2 Yr. CAGR %	6.46	-0.03	-4.21	5.9	17.52
Common Equity, 2 Yr. CAGR %	6.74	0.9	-3.25	6.4	16.91
Total Equity, 2 Yr. CAGR %	6.74	0.9	-3.25	6.4	16.91
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	16.59	14.25	3.34	19.48	22.25
Non Interest Income, 3 Yr. CAGR %	31.77	22.77	9.56	6.42	6.98
Provision For Loan Losses, 3 Yr. CAGR %	19.18	-21.85	-14.62	-61.48	-2.57
Total Revenues, 3 Yr. CAGR %	21.6	22.84	7.09	20.1	18.25
Earnings From Cont. Operations, 3 Yr. CAGR %	37.88	-21.21	-10.45	11.37	137.38
Net Income, 3 Yr. CAGR %	37.88	-21.21	-10.45	11.37	137.38
Normalized Net Income, 3 Yr. CAGR %	39.58	72.63	18.32	41.13	31.21
Diluted EPS Before Extra, 3 Yr. CAGR %	14.32	-31.03	-10.49	11.36	137.49
Gross Loans, 3 Yr. CAGR %	12.11	5.27	6.47	4.08	-0.31
Allowance For Loan Losses, 3 Yr. CAGR %	4.6	-1.05	-2.35	-7.56	-6.03
Net Loans, 3 Yr. CAGR %	12.59	5.58	6.92	4.56	-0.12
Non Performing Loans, 3 Yr. CAGR %	1.19	-8.59	-11.36	-14.51	-
Non Performing Assets, 3 Yr. CAGR %	1.19	-8.59	-11.36	-14.51	-
Total Assets, 3 Yr. CAGR %	18.07	6.52	11.28	10.43	8.33
Total Deposits, 3 Yr CAGR %	18.8	5.56	11.5	11.22	8.2
Tangible Book Value, 3 Yr. CAGR %	21.97	1.94	-0.63	1.58	10.69
Common Equity, 3 Yr. CAGR %	22.41	2.47	0.31	2.25	10.65
Total Equity, 3 Yr. CAGR %	22.41	2.47	0.31	2.25	10.65
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	16.56	11.45	12.58	19.92	12.63
Non Interest Income, 5 Yr. CAGR %	20.42	14.05	20.23	17.79	7.6
Provision For Loan Losses, 5 Yr. CAGR %	14.78	-7.77	-4.99	-42.73	-11.04
Total Revenues, 5 Yr. CAGR %	18.36	14.64	17.03	24.09	12.66
Earnings From Cont. Operations, 5 Yr. CAGR %	123	18.06	9.56	22.95	30.85
Net Income, 5 Yr. CAGR %	123	18.06	9.56	22.95	30.85
Normalized Net Income, 5 Yr. CAGR %	40.73	33.59	26.57	63.31	31.28
Diluted EPS Before Extra, 5 Yr. CAGR %	94.75	5.51	-2.07	13.56	30.76
Gross Loans, 5 Yr. CAGR %	7.32	8.93	10.72	3.02	2.78
Allowance For Loan Losses, 5 Yr. CAGR %	1.17	-0.27	1.54	-3.81	-5.3
Net Loans, 5 Yr. CAGR %	7.59	9.32	11.23	3.32	3.12
Non Performing Loans, 5 Yr. CAGR %	0.33	-6.04	-5.65	-9.09	-
Non Performing Assets, 5 Yr. CAGR %	0.33	-6.04	-5.65	-9.09	-
Total Assets, 5 Yr. CAGR %	12.84	12.75	15.83	8.11	8.79
Total Deposits, 5 Yr CAGR %	15.14	14.12	16.86	7.66	8.61
Tangible Book Value, 5 Yr. CAGR %	13.61	12.5	10.73	3.5	6.27
Common Equity, 5 Yr. CAGR %	13.93	13.07	11.42	4.02	6.65
Total Equity, 5 Yr. CAGR %	13.93	13.07	11.42	4.02	6.65