Balance Sheet BNP Paribas

Equities

BNP

FR0000131104

Banks

Real-time Euronext Paris Other stock markets 09:05:20 18/09/2024 pm IST			5-day change	1st Jan Change
64.15 ^EUR	-0.47%		+2.53%	+2.49%

02:43pm	BNP PARIBAS : Deutsche Bank raises its target, buy maintained	CF
02:37pm	BNP PARIBAS : Buy rating from RBC	ZD

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Published financial data: BNP PARIBAS

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest Income On Loans	3.73TCr	3.36TCr	2.95TCr	4.11TCr	7.95TCr
Interest Income, Total	3.73TCr	3.36TCr	2.95TCr	4.11TCr	7.95TCr
Interest On Deposits	1.62TCr	1.23TCr	1.03TCr	2.03TCr	6.05TCr
Interest Expense, Total	1.62TCr	1.23TCr	1.03TCr	2.03TCr	6.05TCr
Net Interest Income	2.11TCr	2.13TCr	1.92TCr	2.08TCr	1.91TCr
Gain (Loss) on Sale of Assets	156.9Cr	103Cr	83Cr	-25Cr	-10Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	47Cr	28Cr	50Cr	-83Cr	-51Cr
Income (Loss) on Equity Invest. (Income Block)	50L	-50L	10L	-40L	-60L
Total Other Non Interest Income	2.3TCr	2.27TCr	2.4TCr	2.76TCr	2.73TCr
Non Interest Income, Total	2.5TCr	2.4TCr	2.54TCr	2.65TCr	2.67TCr
Revenues Before Provison For Loan Losses	4.62TCr	4.53TCr	4.46TCr	4.74TCr	4.57TCr
Provision For Loan Losses	320.3Cr	571.7Cr	297.1Cr	280Cr	270.3Cr
Total Revenues	4.3TCr	3.96TCr	4.16TCr	4.46TCr	4.3TCr
Salaries And Other Employee Benefits	1.66TCr	1.61TCr	1.53TCr	1.66TCr	-
Occupancy Expense	241.5Cr	243.9Cr	234.4Cr	237.6Cr	224.3Cr
Selling General & Admin Expenses, Total	46Cr	34Cr	60Cr	50Cr	59Cr
(Income) Loss on Equity Invest.	-59Cr	-42Cr	-49Cr	-70Cr	-59Cr
Total Other Non Interest Expense	1.19TCr	1.13TCr	1.12TCr	1.22TCr	2.9TCr
Non Interest Expense, Total	3.07TCr	2.98TCr	2.9TCr	3.1TCr	3.12TCr
EBT, Excl. Unusual Items	1.22TCr	981.7Cr	1.27TCr	1.36TCr	1.18TCr
Impairment of Goodwill	-82Cr	50L	9.1Cr	25Cr	-
Asset Writedown	-3Cr	-	-	-1.8Cr	-
Legal Settlements	-	-	-	-	12Cr
Other Unusual Items	-	-	-	-20Cr	-20Cr
EBT, Incl. Unusual Items	1.14TCr	982.2Cr	1.27TCr	1.36TCr	1.17TCr
Income Tax Expense	281.1Cr	240.7Cr	358.4Cr	371.6Cr	326.6Cr
Earnings From Continuing Operations	858.3Cr	741.5Cr	916Cr	991.1Cr	845.9Cr
Earnings Of Discontinued Operations	-	-	72Cr	69Cr	294.7Cr
Net Income to Company	858.3Cr	741.5Cr	988Cr	1.06TCr	1.14TCr
Minority Interest	-41Cr	-35Cr	-39Cr	-40Cr	-43Cr
Net Income - (IS)	817.3Cr	706.7Cr	948.8Cr	1.02TCr	1.1TCr
Preferred Dividend and Other Adjustments	43Cr	44Cr	44Cr	58Cr	68Cr
Net Income to Common Incl Extra Items	774.5Cr	662.6Cr	905.2Cr	962.1Cr	1.03TCr
Net Income to Common Excl. Extra Items	774.5Cr	662.6Cr	833.2Cr	893.5Cr	735.1Cr
Per Share Items
Net EPS - Basic	6.21	5.31	7.26	7.8	8.58
Basic EPS - Continuing Operations	6.21	5.31	6.68	7.25	6.12
Basic Weighted Average Shares Outstanding	124.8Cr	124.78Cr	124.7Cr	123.3Cr	120.04Cr
Net EPS - Diluted	6.21	5.31	7.26	7.8	8.58
Diluted EPS - Continuing Operations	6.21	5.31	6.68	7.24	6.12
Diluted Weighted Average Shares Outstanding	124.8Cr	124.78Cr	124.7Cr	123.3Cr	120.04Cr
Normalized Basic EPS	5.8	4.64	6.03	6.57	5.79
Normalized Diluted EPS	5.8	4.64	6.03	6.57	5.79
Dividend Per Share	-	2.66	3.67	3.9	4.6
Payout Ratio	46.15	6.03	4.34	48.07	49.18
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	24.67	24.51	28.12	27.27	27.86
Total Current Taxes	261.5Cr	239.1Cr	280.6Cr	284.4Cr	306.3Cr
Total Deferred Taxes	20Cr	1.6Cr	78Cr	87Cr	20Cr
Normalized Net Income	724.12Cr	578.76Cr	751.61Cr	809.9Cr	694.65Cr
Non-Cash Pension Expense	50L	-4.8Cr	60L	70L	-2.5Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	46Cr	34Cr	60Cr	50Cr	59Cr
Total Stock-Based Compensation	46Cr	34Cr	60Cr	50Cr	59Cr

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	16TCr	32TCr	36TCr	33TCr	30TCr
Investment Securities, Total	62TCr	69TCr	68TCr	58TCr	50TCr
Trading Asset Securities, Total	39TCr	47TCr	44TCr	52TCr	68TCr
Total investments	1,01000Cr	1,15100Cr	1,12100Cr	1,09700Cr	1,18000Cr
Gross Loans	84TCr	84TCr	85TCr	90TCr	90TCr
Allowance For Loan Losses	-2.13TCr	-2.15TCr	-2TCr	-1.73TCr	-1.76TCr
Other Adjustments to Gross Loans	-231.7Cr	-267.9Cr	-279.7Cr	-302.8Cr	-472Cr
Net Loans	82TCr	82TCr	83TCr	88TCr	87TCr
Gross Property Plant And Equipment	5.16TCr	5.33TCr	5.5TCr	5.98TCr	6.64TCr
Accumulated Depreciation	-1.99TCr	-2.04TCr	-2.05TCr	-2.19TCr	-2.16TCr
Net Property Plant And Equipment	3.17TCr	3.29TCr	3.45TCr	3.79TCr	4.47TCr
Goodwill	781.7Cr	749.3Cr	512.1Cr	529.4Cr	554.9Cr
Other Intangibles, Total	385.2Cr	389.9Cr	365.9Cr	379Cr	414.2Cr
Investment in Real Estate	716.9Cr	719.3Cr	780.4Cr	778.6Cr	797.7Cr
Accrued Interest Receivable	616.2Cr	398.5Cr	461.7Cr	703Cr	540Cr
Other Receivables	3.35TCr	3.51TCr	4TCr	4.83TCr	4.83TCr
Other Current Assets, Total	7.55TCr	10TCr	23TCr	24TCr	12TCr
Deferred Tax Assets Long-Term (Collected)	495.6Cr	454.3Cr	400.4Cr	420.8Cr	361.4Cr
Other Long-Term Assets, Total	314Cr	345.6Cr	281Cr	544.1Cr	143.3Cr
Total Assets	2,16500Cr	2,48800Cr	2,63400Cr	2,66600Cr	2,59100Cr
Liabilities
Accrued Expenses, Total	802.7Cr	670.1Cr	773.9Cr	1.09TCr	826.5Cr
Interest Bearing Deposits	32TCr	33TCr	32TCr	42TCr	45TCr
Non-Interest Bearing Deposits	53TCr	62TCr	64TCr	60TCr	55TCr
Total Deposits	85TCr	95TCr	97TCr	1,02300Cr	1,00200Cr
Short-Term Borrowings	33TCr	36TCr	31TCr	39TCr	41TCr
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	25TCr	32TCr	35TCr	30TCr	28TCr
Long-Term Leases	329.5Cr	359.5Cr	324.8Cr	307.5Cr	305.8Cr
Current Income Taxes Payable	210.3Cr	167.1Cr	178.7Cr	204.2Cr	272.5Cr
Other Current Liabilities - (Bank / Utility Template)	28TCr	38TCr	48TCr	41TCr	38TCr
Pension & Other Post Retirement Benefits	428.7Cr	419.3Cr	384.2Cr	324.3Cr	327.6Cr
Deferred Tax Liability Non-Current	146.3Cr	133Cr	131.6Cr	101.2Cr	109.6Cr
Other Non Current Liabilities	33TCr	34TCr	39TCr	40TCr	37TCr
Total Liabilities	2,05300Cr	2,37100Cr	2,51200Cr	2,54000Cr	2,46300Cr
Common Stock, Total	249.96Cr	249.96Cr	249.96Cr	249.96Cr	229.5Cr
Additional Paid In Capital	2.46TCr	2.46TCr	2.38TCr	2.37TCr	1.89TCr
Retained Earnings	6.95TCr	7.63TCr	8.21TCr	8.74TCr	9.21TCr
Comprehensive Income and Other	1.08TCr	945.2Cr	942.9Cr	824.7Cr	1.04TCr
Total Common Equity	11TCr	11TCr	12TCr	12TCr	12TCr
Minority Interest	439.2Cr	455Cr	462.1Cr	476.3Cr	512.5Cr
Total Equity	11TCr	12TCr	12TCr	13TCr	13TCr
Total Liabilities And Equity	2,16500Cr	2,48800Cr	2,63400Cr	2,66600Cr	2,59100Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	124.91Cr	124.91Cr	123.36Cr	123.35Cr	114.65Cr
ECS Total Common Shares Outstanding	124.91Cr	124.91Cr	123.36Cr	123.35Cr	114.65Cr
Book Value / Share	86.03	82.34	88.1	89.17	96.18
Tangible Book Value	9.58TCr	10TCr	11TCr	11TCr	11TCr
Tangible Book Value Per Share	76.68	73.22	80.98	81.81	87.73
Tangible Book Value Per Share (As Reported)	69.7	73.2	78.7	79.3	87.6
Total Debt	58TCr	68TCr	66TCr	69TCr	69TCr
Deposits at Interest - Cash	15Cr	8.9Cr	1.47TCr	278.2Cr	9.2Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	53Cr	51Cr	4.6Cr	-19Cr	-1Cr
Net Debt	-17TCr	-34TCr	-39TCr	-34TCr	-50TCr
Equity Method Investments, Total	631.1Cr	675Cr	687.7Cr	660.5Cr	684Cr
Full Time Employees	2L	2L	2L	2L	2L
Assets on Operating Lease - Gross	2.81TCr	3.04TCr	3.39TCr	3.88TCr	4.57TCr
Assets on Operating Lease - Accumulated Depreciation	-754.6Cr	-820.4Cr	-928.5Cr	-1.07TCr	-1.06TCr

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	817.3Cr	706.7Cr	948.8Cr	1.02TCr	1.1TCr
Depreciation, Depletion & Amortization	610.8Cr	632.5Cr	678.1Cr	651.6Cr	624.5Cr
Total Depreciation, Depletion & Amortization	610.8Cr	632.5Cr	678.1Cr	651.6Cr	624.5Cr
Total Asset Writedown	80Cr	2.4Cr	2.2Cr	9.1Cr	-3.2Cr
(Income) Loss On Equity Investments - (CF)	-59Cr	-42Cr	-49Cr	-70Cr	-59Cr
Change In Income Taxes	-193.4Cr	-258.9Cr	-235.6Cr	-199.9Cr	-335.9Cr
Change in Other Net Operating Assets (Collected)	-7.37TCr	13TCr	475.9Cr	-8.67TCr	-5.48TCr
Other Operating Activities	1.03TCr	257Cr	2.33TCr	1.89TCr	362.5Cr
Net Cash From Discontinued Operations	-	-	89Cr	82Cr	365.8Cr
Cash from Operations	-5.08TCr	14TCr	4.24TCr	-5.28TCr	-3.42TCr
Capital Expenditure	-199.8Cr	-77Cr	-166.4Cr	-252.9Cr	-221.6Cr
Cash Acquisitions	-	-	-	-	-
Divestitures	167.5Cr	-	-	37Cr	952Cr
Investment in Marketable and Equity Securities, Total	-	-7.8Cr	48Cr	-	-
Cash from Investing	-32Cr	-85Cr	-118.2Cr	-216.3Cr	730.4Cr
Issuance of Common Stock	159.6Cr	161.5Cr	123.5Cr	502Cr	166.8Cr
Repurchase of Common Stock	-108.3Cr	-34Cr	-269.1Cr	-286.2Cr	-522.1Cr
Common Dividends Paid	-377.2Cr	-	-	-452.7Cr	-474.4Cr
Preferred Dividends Paid	-	-43Cr	-41Cr	-37Cr	-65Cr
Common & Preferred Stock Dividends Paid	-377.2Cr	-43Cr	-41Cr	-490.1Cr	-539.8Cr
Other Financing Activities, Total	2.34TCr	1.77TCr	1.64TCr	1.2TCr	427.5Cr
Cash from Financing	2.01TCr	1.85TCr	1.45TCr	925Cr	-467.6Cr
Foreign Exchange Rate Adjustments	71Cr	-261.4Cr	11Cr	103Cr	-350.6Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	-3.03TCr	15TCr	5.58TCr	-4.47TCr	-3.51TCr
Supplemental Items
Cash Income Tax Paid (Refund)	193.4Cr	258.9Cr	235.6Cr	199.9Cr	335.9Cr

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	0.41	0.32	0.36	0.37	0.32
Return On Equity %	7.89	6.47	7.64	7.96	6.64
Return on Common Equity	7.41	6.02	7.22	7.46	6
Shareholders Value Added	-436.22Cr	-614.81Cr	-435.31Cr	-418.47Cr	-372.37Cr
Margin Analysis
SG&A Margin	45.22	47.65	43.8	43.71	6.58
Net Interest Income / Total Revenues %	49.17	53.83	46.22	46.73	44.29
EBT Excl. Non-Recurring Items Margin %	28.49	24.8	30.4	30.51	27.43
Income From Continuing Operations Margin %	19.98	18.73	22.01	22.23	19.66
Net Income Margin %	19.02	17.85	22.79	22.87	25.51
Net Avail. For Common Margin %	18.03	16.74	20.02	20.04	17.08
Normalized Net Income Margin	16.85	14.62	18.06	18.17	16.14
Asset quality
Nonperforming Loans / Total Loans %	3.54	3.57	3.28	2.82	2.82
Nonperforming Loans / Total Assets %	1.38	1.21	1.06	0.95	0.98
Nonperforming Assets / Total Assets %	1.38	1.21	1.06	0.95	0.98
NPAs / Loans and OREO	3.54	3.57	3.28	2.82	2.82
NPAs / Equity	26.63	25.63	22.71	19.97	19.64
Allowance for Credit Losses / Net Charge-offs %	348	574.56	471.58	386.37	492.62
Allowance for Credit Losses / Nonperforming Loans %	71.43	71.65	71.99	68.44	69.59
Allowance for Credit Losses / Total Loans %	2.53	2.56	2.36	1.93	1.96
Provision for Loan Losses / Net Charge-offs %	52.39	152.45	69.96	62.54	75.61
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.97	4.73	4.5	4.52	4.66
Total Average Equity / Total Average Assets %	5.17	4.93	4.68	4.7	4.85
Total Equity + Allowance for Loan Losses / Total Loans %	15.31	15.94	16.26	15.5	15.76
Gross Loans / Total Deposits %	99.45	88.69	87.66	87.67	89.48
Net Loans / Total Deposits %	96.66	86.14	85.3	85.68	87.25
Tier 1 Capital Ratio %	13.5	14.2	14.05	13.89	15.28
Total Capital Ratio %	15.5	16.4	16.43	16.19	17.3
Core Tier 1 Capital Ratio	12.1	12.8	12.89	12.33	13.2
Tier 2 Capital Ratio	2.06	2.16	2.38	2.3	2.02
Coverage Ratio	71.43	71.65	71.99	68.44	69.59
Interbank Ratio	252.96	175.15	158.55	166.11	25.57
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.7	1.8	2.24	1.67	1.19
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.31	0.88	-0.25	8.28	-8.96
Non Interest Income, 1 Yr. Growth %	14.79	-4.18	7.8	4.69	9.59
Provision For Loan Losses, 1 Yr. Growth %	15.88	78.49	-44.93	-5.76	-3.43
Total Revenues, 1 Yr. Growth %	7.11	-7.86	11.26	7.09	1.31
Earnings From Cont. Operations, 1 Yr. Growth %	7.22	-13.61	30.19	8.2	-11.53
Net Income, 1 Yr. Growth %	8.6	-13.53	34.26	7.46	11.44
Normalized Net Income, 1 Yr. Growth %	23.38	-19.87	37.04	7.68	-11.29
Diluted EPS Before Extra, 1 Yr. Growth %	8.31	-14.44	33.43	8.38	-12.07
Dividend Per Share, 1 Yr. Growth %	-	-	37.97	6.27	17.95
Gross Loans, 1 Yr. Growth %	4.79	0.26	0.6	5.94	-0.15
Allowance For Loan Losses, 1 Yr. Growth %	-12.19	1.26	-7.05	-8.52	-4.19
Net Loans, 1 Yr. Growth %	5.36	0.19	0.79	6.26	-0.25
Non Performing Loans, 1 Yr. Growth %	-12.28	0.95