-0.67%
2.31%
-0.23%
-11.24%
-5.96%
8.33%
25.21%
AI Spotlight on BNP
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.
Market Data
| Last Price | 88.4 |
| Change Percentage | -0.67% |
| Open | 89.6 |
| Previous Close | 89 |
| Market Cap ( Millions) | 13066 |
| Volume | 17202 |
| Year High | 114 |
| Year Low | 77.4 |
| M A 50 | 85.9 |
| M A 200 | 95.22 |
Financial Ratios
| FCF Yield | 64.93% |
| Dividend Yield | 3.86% |
| ROE | 10.83% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 0.91 |
| Price Earnings Ratio | 8.9 |
| Price To FCF | 1.54 |
| Price To sales | 1.36 |
| EV / EBITDA | 0 |
News
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail and Business Banking
Expected Growth : 1.2 %
What the company do ?
Retail and Business Banking from BNP Paribas Bank Polska S.A. provides financial services to individuals and small to medium-sized enterprises in Poland.
Why we expect these perspectives ?
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.
Segment n°2 -> Corporate Banking
Expected Growth : 0.8 %
What the company do ?
Corporate Banking from BNP Paribas Bank Polska S.A. provides financial solutions and services to large corporations, institutions, and governments in Poland.
Why we expect these perspectives ?
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.
Segment n°3 -> Small and Medium Enterprise Banking
Expected Growth : 1.1 %
What the company do ?
Small and Medium Enterprise Banking from BNP Paribas Bank Polska S.A. offers tailored financial solutions to Polish SMEs, supporting their growth and development.
Why we expect these perspectives ?
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.
Segment n°4 -> Other Banking
Expected Growth : 0.9 %
What the company do ?
Other Banking from BNP Paribas Bank Polska S.A. refers to non-traditional banking services, including investment products, insurance, and asset management.
Why we expect these perspectives ?
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.
Segment n°5 -> Corporate and Institutional Banking
Expected Growth : 1.0 %
What the company do ?
Corporate and Institutional Banking from BNP Paribas Bank Polska S.A. provides tailored financial solutions to large corporations, institutions, and governments in Poland.
Why we expect these perspectives ?
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.
Bnp Paribas Bank Polska S.A. Products
| Product Range | What is it ? |
|---|---|
| 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. |
BNP Paribas Bank Polska S.A.'s Porter Forces
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.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 49.79% |
| Debt Cost | 9.67% |
| Equity Weight | 50.21% |
| Equity Cost | 9.67% |
| WACC | 9.67% |
| Leverage | 99.16% |
BNP Paribas Bank Polska S.A. : Quality Control
BNP Paribas Bank Polska S.A. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| PKO.WA | Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides banking services in Poland, Ukraine, Sweden, the Czech Republic, Ireland, and Germany. Its Retail segment offers current and savings accounts, term deposits, … |
| LLBN.SW | Liechtensteinische Landesbank Aktiengesellschaft provides banking products and services in Liechtenstein, Switzerland, Austria, Europe, North and South America, Africa, Asia, and internationally. It operates through three segments: Retail & Corporate Banking, … |
| BCGE.SW | Banque Cantonale de Genève SA provides a range of banking services to private, corporate, and institutional clients. The company offers current and individual accounts, savings accounts, safe deposit boxes, currencies, … |
| BAMI.MI | Banco BPM S.p.A., together with its subsidiaries, provides banking and financial products and services to individual, business, and corporate customers in Italy. The company operates through Retail, Corporate, Institutional, Private, … |
| BEKN.SW | Berner Kantonalbank AG, a cantonal bank, offers various banking products and financial services to private individuals and corporate customers in Switzerland. It offers investment, shareholder, youth, education, and SME savings … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Banco BPM
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LLB
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PKO Bank Polski
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1-Year Total Return ->
4
BCGE
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5
Berner Kantonalbank
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1-Year Total Return ->
6
