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1. Company Snapshot

1.a. Company Description

BNP Paribas Bank Polska S.A. provides a range of banking services in Poland.The company operates through Retail and Business Banking; Small and Medium Enterprises; Corporate Banking; Corporate and Institutional Banking; and Other Operations segments.The company offers current and savings accounts, and term and overnight deposits; mortgage, cash, car, instalment, revolving and investment, and agro-business loans; debit and credit cards; and mortgage advance and overdraft facilities.


It also provides cash transfer, foreign exchange, insurance, wealth management, cash management and trade finance, import and export LC, bank guarantee and documentary collection, supply chain and exports financing, derivative, leasing, factoring, real estate and structured finance, investment banking and related, brokerage, and other financial services.The company offers its products to retail customers, consumers, large and medium-sized enterprises, as well as local government entities and entities operating in multinational capital groups.BNP Paribas Bank Polska S.A. was formerly known as Bank BGZ BNP Paribas S.A. and changed its name to BNP Paribas Bank Polska S.A. in 2019.


The company was founded in 1919 and is headquartered in Warsaw, Poland.BNP Paribas Bank Polska S.A. operates as a subsidiary of BNP Paribas SA.

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1.b. Last Insights on BNP

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1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (1.02%)

6. Segments

Retail and Business Banking

Expected Growth: 1.2%

The 1.2% growth in Retail and Business Banking at BNP Paribas Bank Polska S.A. is driven by increasing demand for digital banking services, a growing Polish economy, and a rising middle class. Additionally, the bank's strategic focus on SMEs and micro-businesses, as well as its investments in digital transformation, have contributed to this growth.

Corporate Banking

Expected Growth: 0.8%

BNP Paribas Bank Polska S.A.'s Corporate Banking segment growth of 0.8% is driven by a stable Polish economy, increasing demand for cash management and trade finance services, and the bank's strong relationships with large corporates. Additionally, the bank's digitalization efforts and investment in innovative products have contributed to the growth.

Small and Medium Enterprise Banking

Expected Growth: 1.1%

The 1.1% growth in Small and Medium Enterprise Banking from BNP Paribas Bank Polska S.A. is driven by increasing demand for digital banking services, government support for SMEs, and a growing economy in Poland. Additionally, the bank's strategic focus on SMEs, improved customer service, and competitive pricing also contribute to this growth.

Other Banking

Expected Growth: 0.9%

The 0.9% growth in Other Banking from BNP Paribas Bank Polska S.A. is driven by increasing demand for cash management services, growth in trade finance, and expansion of digital banking platforms. Additionally, the bank's strategic partnerships and investments in fintech companies have contributed to the segment's growth.

Corporate and Institutional Banking

Expected Growth: 1.0%

BNP Paribas Bank Polska S.A.'s Corporate and Institutional Banking segment growth of 1.0 is driven by increasing demand for cash management and trade finance services from large corporations and institutions, as well as growth in lending to support clients' expansion plans in Poland and abroad.

7. Detailed Products

Retail Banking

Personal banking services for individual customers, including current and savings accounts, credit cards, personal loans, and mortgages.

Corporate Banking

Financial services for businesses, including cash management, trade finance, and lending solutions.

Investment Banking

Advisory services for mergers and acquisitions, equity and debt capital markets, and leveraged finance.

Wealth Management

Investment and wealth management services for high net worth individuals and families.

Transaction Banking

Cash management, trade finance, and securities services for corporate and institutional clients.

Insurance

Life and non-life insurance products for individual and corporate clients.

Leasing

Vehicle and equipment leasing solutions for businesses and individuals.

Factoring

Receivables financing solutions for businesses to improve their cash flow.

8. BNP Paribas Bank Polska S.A.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for BNP Paribas Bank Polska S.A. is medium due to the presence of alternative financial institutions and digital payment systems.

Bargaining Power Of Customers

The bargaining power of customers is low due to the bank's strong brand reputation and wide range of financial products and services.

Bargaining Power Of Suppliers

The bargaining power of suppliers is medium due to the bank's dependence on technology providers and other third-party vendors.

Threat Of New Entrants

The threat of new entrants is high due to the growing trend of fintech companies and digital banking platforms.

Intensity Of Rivalry

The intensity of rivalry is high due to the competitive nature of the banking industry and the presence of established players.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 49.79%
Debt Cost 9.67%
Equity Weight 50.21%
Equity Cost 9.67%
WACC 9.67%
Leverage 99.16%

11. Quality Control: BNP Paribas Bank Polska S.A. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Banco BPM

A-Score: 7.3/10

Value: 6.0

Growth: 6.2

Quality: 6.4

Yield: 9.4

Momentum: 10.0

Volatility: 5.7

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BCGE

A-Score: 7.0/10

Value: 8.6

Growth: 4.7

Quality: 6.8

Yield: 5.6

Momentum: 6.5

Volatility: 10.0

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BNP Paribas Bank Polska

A-Score: 6.9/10

Value: 8.4

Growth: 8.0

Quality: 7.4

Yield: 5.6

Momentum: 6.0

Volatility: 6.0

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Berner Kantonalbank

A-Score: 6.7/10

Value: 5.7

Growth: 5.3

Quality: 5.1

Yield: 6.9

Momentum: 7.5

Volatility: 10.0

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LLB

A-Score: 6.6/10

Value: 7.2

Growth: 4.0

Quality: 5.4

Yield: 6.9

Momentum: 6.5

Volatility: 9.7

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PKO Bank Polski

A-Score: 6.2/10

Value: 5.4

Growth: 5.2

Quality: 7.2

Yield: 7.5

Momentum: 7.5

Volatility: 4.3

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

113.0$

Current Price

113$

Potential

-0.00%

Expected Cash-Flows