Financial Ratios BNP Paribas

Equities

BNP

FR0000131104

Banks

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Published financial data: BNP PARIBAS

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	29.52B	41.08B	79.54B	83.02B	71.53B
Interest Income, Total	29.52B	41.08B	79.54B	83.02B	71.53B
Interest On Deposits	10.28B	20.25B	60.48B	63.5B	50.33B
Interest Expense, Total	10.28B	20.25B	60.48B	63.5B	50.33B
Net Interest Income	19.24B	20.83B	19.06B	19.52B	21.2B
Gain (Loss) on Sale of Assets	834M	-253M	-104M	-191M	-56M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	501M	-827M	-511M	-213M	0
Income (Loss) on Equity Invest. (Income Block)	1M	-4M	-6M	1M	2M
Total Other Non Interest Income	24.02B	27.63B	27.29B	29.62B	30.14B
Non Interest Income, Total	25.36B	26.55B	26.67B	29.21B	30.08B
Revenues Before Provison For Loan Losses	44.6B	47.38B	45.73B	48.74B	51.29B
Provision For Loan Losses	2.97B	2.8B	2.7B	3B	3.35B
Total Revenues	41.62B	44.58B	43.03B	45.74B	47.94B
Salaries And Other Employee Benefits	15.29B	16.61B	-	-	-
Stock-Based Compensation (IS)	-	-	-	646M	1.11B
Occupancy Expense	2.34B	2.38B	2.24B	2.36B	2.37B
Selling General & Admin Expenses, Total	597M	498M	589M	-	-
(Income) Loss on Equity Invest.	-494M	-699M	-593M	-701M	-777M
Total Other Non Interest Expense	11.24B	12.19B	28.98B	27.46B	28.22B
Non Interest Expense, Total	28.97B	30.98B	31.22B	29.76B	30.92B
EBT, Excl. Unusual Items	12.65B	13.6B	11.8B	15.98B	17.02B
Impairment of Goodwill	91M	249M	-	241M	48M
Asset Writedown	-	-18M	-	-34M	-4M
Legal Settlements	-	-	125M	-	-
Other Unusual Items	-	-204M	-204M	-	-
EBT, Incl. Unusual Items	12.74B	13.63B	11.72B	16.19B	17.06B
Income Tax Expense	3.58B	3.72B	3.27B	4B	4.21B
Earnings From Continuing Operations	9.16B	9.91B	8.46B	12.19B	12.86B
Earnings Of Discontinued Operations	720M	686M	2.95B	-	-
Net Income to Company	9.88B	10.6B	11.41B	12.19B	12.86B
Minority Interest	-392M	-401M	-431M	-499M	-633M
Net Income - (IS)	9.49B	10.2B	10.98B	11.69B	12.22B
Preferred Dividend and Other Adjustments	436M	575M	677M	845M	705M
Net Income to Common Incl Extra Items	9.05B	9.62B	10.3B	10.84B	11.52B
Net Income to Common Excl. Extra Items	8.33B	8.94B	7.35B	10.84B	11.52B
Per Share Items
Net EPS - Basic	7.26	7.8	8.58	9.57	10.29
Basic EPS - Continuing Operations	6.68	7.25	6.12	9.57	10.29
Basic Weighted Average Shares Outstanding	1.25B	1.23B	1.2B	1.13B	1.12B
Net EPS - Diluted	7.26	7.8	8.58	9.57	10.29
Diluted EPS - Continuing Operations	6.68	7.24	6.12	9.57	10.29
Diluted Weighted Average Shares Outstanding	1.25B	1.23B	1.2B	1.13B	1.12B
Normalized Basic EPS	6.03	6.57	5.79	8.37	8.94
Normalized Diluted EPS	6.03	6.57	5.79	8.37	8.94
Dividend Per Share	3.67	3.9	4.6	4.79	5.16
Payout Ratio	4.34	48.07	49.18	50.9	74.71
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	28.12	27.27	27.86	24.72	24.65
Total Current Taxes	2.81B	2.84B	3.06B	3.01B	3.89B
Total Deferred Taxes	778M	872M	203M	988M	317M
Normalized Net Income	7.52B	8.1B	6.95B	9.49B	10.01B
Non-Cash Pension Expense	6M	7M	-25M	-10M	-15M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	597M	498M	589M	-	-
Stock-Based Comp., Other (Total)	-	-	-	646M	1.11B
Total Stock-Based Compensation	597M	498M	589M	646M	1.11B

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	358B	330B	297B	192B	222B
Investment Securities, Total	678B	582B	654B	728B	788B
Trading Asset Securities, Total	443B	515B	526B	615B	617B
Total investments	1,121B	1,097B	1,180B	1,343B	1,405B
Gross Loans	848B	897B	897B	944B	933B
Allowance For Loan Losses	-20.03B	-17.3B	-17.61B	-16.99B	-16.07B
Other Adjustments to Gross Loans	-2.8B	-3.03B	-4.72B	-5.33B	-4.93B
Net Loans	825B	877B	875B	921B	912B
Gross Property Plant And Equipment	55.02B	59.82B	66.38B	72.37B	76.87B
Accumulated Depreciation	-20.51B	-21.88B	-21.65B	-22.58B	-23.65B
Net Property Plant And Equipment	34.51B	37.94B	44.74B	49.79B	53.22B
Goodwill	5.12B	5.29B	5.55B	5.55B	7.13B
Other Intangibles, Total	3.66B	3.79B	4.14B	4.39B	4.58B
Investment in Real Estate	7.8B	7.79B	7.98B	7.57B	7.22B
Accrued Interest Receivable	4.62B	7.03B	5.4B	5.69B	7.53B
Other Receivables	39.98B	48.27B	48.34B	45.75B	47.13B
Other Current Assets, Total	227B	242B	119B	125B	123B
Deferred Tax Assets Long-Term (Collected)	4B	4.21B	3.61B	3.38B	3.25B
Other Long-Term Assets, Total	2.81B	5.44B	1.43B	1.36B	1.22B
Total Assets	2,634B	2,666B	2,591B	2,705B	2,793B
Liabilities
Accrued Expenses, Total	7.74B	10.87B	8.26B	8.5B	8.64B
Interest Bearing Deposits	324B	419B	450B	474B	453B
Non-Interest Bearing Deposits	644B	605B	553B	573B	601B
Total Deposits	967B	1,023B	1,002B	1,047B	1,054B
Short-Term Borrowings	307B	388B	411B	437B	377B
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	347B	297B	281B	289B	333B
Long-Term Leases	3.25B	3.08B	3.06B	2.85B	2.87B
Current Income Taxes Payable	1.79B	2.04B	2.72B	2.35B	1.79B
Other Current Liabilities - (Bank / Utility Template)	481B	411B	380B	385B	462B
Pension & Other Post Retirement Benefits	3.84B	3.24B	3.28B	3.07B	3.01B
Deferred Tax Liability Non-Current	1.32B	1.01B	1.1B	1.31B	1.54B
Other Non Current Liabilities	392B	400B	370B	395B	416B
Total Liabilities	2,512B	2,540B	2,463B	2,571B	2,661B
Common Stock, Total	2.5B	2.5B	2.29B	2.47B	2.23B
Additional Paid In Capital	23.85B	23.69B	18.91B	17.66B	15.59B
Retained Earnings	82.11B	87.36B	81.14B	86.7B	89.34B
Comprehensive Income and Other	9.43B	8.25B	21.4B	21.31B	18.34B
Total Common Equity	118B	122B	124B	128B	126B
Minority Interest	4.62B	4.76B	5.12B	6B	6.66B
Total Equity	123B	127B	129B	134B	132B
Total Liabilities And Equity	2,634B	2,666B	2,591B	2,705B	2,793B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.23B	1.23B	1.15B	1.13B	1.1B
ECS Total Common Shares Outstanding	1.23B	1.23B	1.15B	1.13B	1.1B
Book Value / Share	88.1	89.17	96.18	102.7	104.44
Tangible Book Value	109B	113B	114B	118B	114B
Tangible Book Value Per Share	80.98	81.81	87.73	93.9	93.79
Tangible Book Value Per Share (As Reported)	78.7	79.3	87.6	-	-
Total Debt	657B	688B	695B	729B	713B
Deposits at Interest - Cash	14.71B	2.78B	92M	193M	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	46M	-187M	-10M	-158M	-290M
Net Debt	-385B	-339B	-344B	-291B	-367B
Equity Method Investments, Total	6.88B	6.6B	6.84B	7.94B	7.04B
Full Time Employees	190K	190K	183K	178K	180K
Assets on Operating Lease - Gross	33.89B	38.82B	45.72B	51.33B	55.93B
Assets on Operating Lease - Accumulated Depreciation	-9.28B	-10.66B	-10.57B	-11.02B	-12.32B

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	9.49B	10.2B	10.98B	11.69B	12.22B
Depreciation, Depletion & Amortization	6.78B	6.52B	6.24B	7.27B	8.06B
Total Depreciation, Depletion & Amortization	6.78B	6.52B	6.24B	7.27B	8.06B
Total Asset Writedown	22M	91M	-32M	21M	-11M
(Income) Loss On Equity Investments - (CF)	-494M	-699M	-593M	-701M	-777M
Change In Income Taxes	-2.36B	-2B	-3.36B	-3.13B	-3.82B
Change in Other Net Operating Assets (Collected)	4.76B	-86.71B	-54.76B	-122B	22.18B
Other Operating Activities	23.28B	18.95B	3.62B	9B	8.72B
Net Cash From Discontinued Operations	893M	823M	3.66B	-	-
Cash from Operations	42.38B	-52.84B	-34.24B	-97.38B	46.57B
Capital Expenditure	-1.66B	-2.53B	-2.22B	-2.14B	-2.88B
Divestitures	-	366M	9.52B	1.96B	-3.18B
Investment in Marketable and Equity Securities, Total	482M	-	-	-	-
Cash from Investing	-1.18B	-2.16B	7.3B	-180M	-6.06B
Issuance of Common Stock	1.24B	5.02B	1.67B	388M	-
Repurchase of Common Stock	-2.69B	-2.86B	-5.22B	-2.44B	-3.58B
Common Dividends Paid	-	-4.53B	-4.74B	-5.2B	-8.3B
Preferred Dividends Paid	-412M	-374M	-654M	-751M	-829M
Common & Preferred Stock Dividends Paid	-412M	-4.9B	-5.4B	-5.95B	-9.13B
Other Financing Activities, Total	16.38B	11.99B	4.28B	1.58B	5.89B
Cash from Financing	14.52B	9.25B	-4.68B	-6.42B	-6.82B
Foreign Exchange Rate Adjustments	107M	1.03B	-3.51B	-393M	-7.07B
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	55.82B	-44.72B	-35.12B	-104B	26.62B
Supplemental Items
Cash Income Tax Paid (Refund)	2.36B	2B	3.36B	3.13B	3.82B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.36	0.37	0.32	0.46	0.47
Return On Equity %	7.64	7.96	6.64	9.27	9.66
Return on Common Equity	7.22	7.46	6	8.61	9.08
Shareholders Value Added	-4.35B	-4.18B	-3.72B	-3.42B	-2.99B
Margin Analysis
SG&A Margin	43.8	43.71	6.58	5.15	4.94
Net Interest Income / Total Revenues %	46.22	46.73	44.29	42.69	44.23
EBT Excl. Non-Recurring Items Margin %	30.4	30.51	27.43	34.94	35.51
Income From Continuing Operations Margin %	22.01	22.23	19.66	26.65	26.82
Net Income Margin %	22.79	22.87	25.51	25.55	25.5
Net Avail. For Common Margin %	20.02	20.04	17.08	23.71	24.03
Normalized Net Income Margin	18.06	18.17	16.14	20.75	20.87
Asset quality
Nonperforming Loans / Total Loans %	3.28	2.82	2.82	2.74	2.81
Nonperforming Loans / Total Assets %	1.06	0.95	0.98	0.95	0.94
Nonperforming Assets / Total Assets %	1.06	0.95	0.98	0.95	0.94
NPAs / Loans and OREO	3.28	2.82	2.82	2.74	2.81
NPAs / Equity	22.71	19.97	19.64	19.25	19.86
Allowance for Credit Losses / Net Charge-offs %	471.58	386.37	492.62	432.5	479.56
Allowance for Credit Losses / Nonperforming Loans %	71.99	68.44	69.59	65.8	61.21
Allowance for Credit Losses / Total Loans %	2.36	1.93	1.96	1.8	1.72
Provision for Loan Losses / Net Charge-offs %	69.96	62.54	75.61	76.33	99.97
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.5	4.52	4.66	4.76	4.61
Total Average Equity / Total Average Assets %	4.68	4.7	4.85	4.97	4.84
Total Equity + Allowance for Loan Losses / Total Loans %	16.26	15.5	15.76	15.38	15.18
Gross Loans / Total Deposits %	87.66	87.67	89.48	90.14	88.51
Net Loans / Total Deposits %	85.3	85.68	87.25	88.01	86.52
Tier 1 Capital Ratio %	14.05	13.89	15.28	14.93	14.74
Total Capital Ratio %	16.43	16.19	17.3	17.13	16.97
Core Tier 1 Capital Ratio	12.89	12.33	13.2	12.87	12.61
Tier 2 Capital Ratio	2.38	2.3	2.02	2.21	2.23
Coverage Ratio	71.99	68.44	69.59	65.8	61.21
Interbank Ratio	158.55	166.11	25.57	364.05	380.7
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.24	1.67	1.19	1.25	1.34
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-0.25	8.28	-8.96	2.45	8.6
Non Interest Income, 1 Yr. Growth %	7.8	4.69	9.59	9.52	2.98
Provision For Loan Losses, 1 Yr. Growth %	-44.93	-5.76	-3.43	3.16	11.7
Total Revenues, 1 Yr. Growth %	11.26	7.09	1.31	6.8	4.81
Earnings From Cont. Operations, 1 Yr. Growth %	30.19	8.2	-11.53	44.07	5.51
Net Income, 1 Yr. Growth %	34.26	7.46	11.44	6.5	4.59
Normalized Net Income, 1 Yr. Growth %	37.04	7.68	-11.29	38.92	5.44
Diluted EPS Before Extra, 1 Yr. Growth %	33.43	8.38	-12.07	56.33	7.55
Dividend Per Share, 1 Yr. Growth %	37.97	6.27	17.95	4.13	7.72
Gross Loans, 1 Yr. Growth %	0.6	5.94	-0.15	5.2	-1.13
Allowance For Loan Losses, 1 Yr. Growth %	-7.05	-8.52	-4.19	-3.51	-5.43
Net Loans, 1 Yr. Growth %	0.79	6.26	-0.25	5.33	-1.02
Non Performing Loans, 1 Yr. Growth %	-7.49	-9.14	0.13	2.04	1.66
Non Performing Assets, 1 Yr. Growth %	-7.49	-9.14	0.13	2.04	1.66
Total Assets, 1 Yr. Growth %	5.87	1.21	-2.71	4.38	3.26
Total Deposits, 1 Yr Growth %	1.79	5.78	-2.16	4.43	0.68
Tangible Book Value, 1 Yr. Growth %	7.59	3.3	1.69	3.63	-3.72
Common Equity, 1 Yr. Growth %	4.51	3.31	2.07	3.55	-2.05
Total Equity, 1 Yr. Growth %	4.4	3.3	2.27	4.09	-1.47
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-4.58	3.93	-0.47	-3.42	5.48
Non Interest Income, 2 Yr. CAGR %	0.64	6.23	2.56	9.56	6.2
Provision For Loan Losses, 2 Yr. CAGR %	-3.69	-27.96	-4.62	3.51	7.35
Total Revenues, 2 Yr. CAGR %	-1.57	9.15	1.67	3.77	5.8
Earnings From Cont. Operations, 2 Yr. CAGR %	3.31	18.68	-3.9	12.9	23.29
Net Income, 2 Yr. CAGR %	7.74	20.12	7.55	8.94	5.54
Normalized Net Income, 2 Yr. CAGR %	2.01	21.52	-3.9	10.08	21.02
Diluted EPS Before Extra, 2 Yr. CAGR %	3.75	20.26	-4.28	17.25	29.67
Dividend Per Share, 2 Yr. CAGR %	-	21.09	11.96	10.82	5.91
Gross Loans, 2 Yr. CAGR %	0.43	3.16	2.91	2.49	1.98
Allowance For Loan Losses, 2 Yr. CAGR %	-2.98	-10.4	-3.49	-3.85	-4.48
Net Loans, 2 Yr. CAGR %	0.49	3.49	2.95	2.5	2.11
Non Performing Loans, 2 Yr. CAGR %	-3.36	-8.32	-4.62	1.08	1.85
Non Performing Assets, 2 Yr. CAGR %	-3.36	-8.32	-4.62	1.08	1.85
Total Assets, 2 Yr. CAGR %	10.32	3.51	-0.82	0.77	3.81
Total Deposits, 2 Yr CAGR %	6.97	3.76	1.79	1.08	2.54
Tangible Book Value, 2 Yr. CAGR %	6.73	5.42	2.24	2.66	-0.11
Common Equity, 2 Yr. CAGR %	4.74	3.91	2.45	2.81	0.71
Total Equity, 2 Yr. CAGR %	4.66	3.85	2.56	3.18	1.27
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-2.97	-0.47	-0.4	0.49	0.43
Non Interest Income, 3 Yr. CAGR %	5.15	1.97	4.28	4.83	7.32
Provision For Loan Losses, 3 Yr. CAGR %	2.44	-4.38	-20.58	0.31	6.17
Total Revenues, 3 Yr. CAGR %	1.24	1.24	4.77	3.19	4.12
Earnings From Cont. Operations, 3 Yr. CAGR %	4.6	4.91	6.33	9.99	10.38
Net Income, 3 Yr. CAGR %	8.03	7.65	15.8	7.2	7.47
Normalized Net Income, 3 Yr. CAGR %	8.59	3.89	8.2	8.06	8.51
Diluted EPS Before Extra, 3 Yr. CAGR %	5.25	5.27	6.92	12.72	13.92
Dividend Per Share, 3 Yr. CAGR %	6.71	-	20.03	9.28	9.78
Gross Loans, 3 Yr. CAGR %	1.86	2.19	2.09	3.67	1.27
Allowance For Loan Losses, 3 Yr. CAGR %	-6.15	-6.67	-6.5	-3.5	-4.38
Net Loans, 3 Yr. CAGR %	2.09	2.38	2.22	3.74	1.31
Non Performing Loans, 3 Yr. CAGR %	-6.43	-5.33	-5.59	-2.45	1.27
Non Performing Assets, 3 Yr. CAGR %	-6.43	-5.33	-5.59	-2.45	1.27
Total Assets, 3 Yr. CAGR %	8.88	7.19	1.36	0.88	1.59
Total Deposits, 3 Yr CAGR %	6.19	6.57	1.79	2.66	0.95
Tangible Book Value, 3 Yr. CAGR %	6.95	5.57	3.99	2.7	0.49
Common Equity, 3 Yr. CAGR %	5.13	4.26	3.13	2.82	1.16
Total Equity, 3 Yr. CAGR %	5.03	4.2	3.17	3.07	1.6
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.98	-0.34	-1.98	-1.57	1.91
Non Interest Income, 5 Yr. CAGR %	3.82	3.4	4.11	3.13	5.04
Provision For Loan Losses, 5 Yr. CAGR %	-1.85	-0.75	-0.45	-1.31	-9.09
Total Revenues, 5 Yr. CAGR %	0.73	1.82	1.41	1.26	5.08
Earnings From Cont. Operations, 5 Yr. CAGR %	2.45	3.85	1.11	7.26	12.82
Net Income, 5 Yr. CAGR %	4.26	5.61	7.84	7.42	11.58
Normalized Net Income, 5 Yr. CAGR %	2.33	3.71	3.43	5.61	12.78
Diluted EPS Before Extra, 5 Yr. CAGR %	2.17	3.67	1.33	9.04	15.5
Dividend Per Share, 5 Yr. CAGR %	6.33	5.25	8.78	-	14.17
Gross Loans, 5 Yr. CAGR %	1.79	3	2.25	2.33	2.05
Allowance For Loan Losses, 5 Yr. CAGR %	-5.96	-8.89	-6.18	-4.4	-5.7
Net Loans, 5 Yr. CAGR %	2.05	3.38	2.43	2.43	2.18
Non Performing Loans, 5 Yr. CAGR %	-7.81	-7.54	-5.71	-2.82	-2.68
Non Performing Assets, 5 Yr. CAGR %	-7.81	-7.54	-5.71	-2.82	-2.68
Total Assets, 5 Yr. CAGR %	4.87	6.46	4.89	4.56	2.34
Total Deposits, 5 Yr CAGR %	4.55	5.87	4.41	4.36	2.09
Tangible Book Value, 5 Yr. CAGR %	4.58	5.43	5.04	4.29	2.33
Common Equity, 5 Yr. CAGR %	3.21	4.14	4.05	3.58	2.16
Total Equity, 5 Yr. CAGR %	3.09	3.89	4.04	3.7	2.41