BNP Paribas Bank Polska Spolka Akcyjna

BNP Paribas Bank Polska Spolka Akcyjna

GGPW:BNP
163.80
PLN
-2.00
(-1.21%)
17.28EPS
8.62P/E
22.04BMarket Cap
Nov 05Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
28.39
28.58
28.37
31.97
32.92
31.31
32.37
32.74
33.51
37.51
50.67
54.2
56.43
57.52
Basic EPS, GAAP
3.13
2.56
0.18
0.91
3.32
3.63
4.17
4.97
1.2
2.99
6.86
15.96
20.6
17.29
Free Cash Flow per Basic Share
-25.03
56.45
42.75
63.4
28.02
-87.32
-1.21
29.36
9.99
102.04
36.77
95.91
66.33
50.18
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
3.41
7.83
- -
Book Value per Share
68.62
74.04
74.41
72.97
77.87
71.63
75.7
81.61
77.02
76.31
87.09
104.15
119
115.35
Tangible Book Value per Share
65.52
71.09
71.37
70.04
74.45
68.1
72.17
77.19
72.08
70.74
80.75
97.56
112.48
109.22
Basic Weighted Avg Shares
51
54
75
84
84
99
147
147
147
148
148
148
148
148
Sales/Revenue/Turnover
1,452
1,539
2,130
2,693
2,773
3,111
4,771
4,826
4,942
5,535
7,482
8,009
8,376
8,509
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
99
101
148
207
174
190
454
368
400
412
457
514
529
531
Net Income, GAAP
160
138
13
77
280
360
615
733
176
441
1,013
2,358
3,058
2,558
Effective Tax Rate (%)
20.81
22.53
55.23
55.96
38.37
23.14
29.58
33.99
71.39
49.37
42.57
20.17
18.45
25.47
Profit Margin (%)
11.03
8.97
0.62
2.85
10.09
11.59
12.88
15.19
3.57
7.98
13.53
29.45
36.51
30.06
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
4,357
4,702
12,021
11,163
9,109
7,080
8,385
10,694
5,917
11,892
12,753
12,784
13,506
13,250
Total Equity
3,509
4,156
6,268
6,147
6,559
10,560
11,159
12,031
11,362
11,262
12,861
15,394
17,598
17,066
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
1.91
1.65
0.1
0.43
1.7
2.16
3.31
3.47
0.88
2.18
4.15
8.77
10.32
8.62
Return on Common Equity (%)
4.59
3.6
0.26
1.24
4.4
4.21
5.66
6.32
1.51
3.9
8.39
16.69
18.54
15.55

Capital Structure

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
148
148
148
Market Capitalization
19,298
21,443
22,044

Working Capital

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
21,343
14,972
15,631
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

PLN

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.1%
8.36%
14.32%
Free Cash Flow
-214.97%
184.53%
-30.52%
Net Income, GAAP
122.72%
73.28%
29.66%
Sales/Revenue/Turnover
15.74%
12.24%
4.59%
Total Cash Common Dividend
- -
- -
130.62%

Quarterly Revenue

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,000
1,749
1,870
2,600
8,009
2025
2,143
2,163
1,936
2,449
8,376
2026
2,021
2,104
- -
- -
- -

Quarterly Earnings Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4
4.22
4.3
3.44
15.96
2025
5.02
4.93
4.69
6
20.6
2026
2.54
4.06
- -
- -
- -

Quarterly Dividends Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
3.41
2025
- -
- -
- -
- -
7.83
2026
- -
- -
- -
- -
- -

Company Description

CEO
Przemyslaw Gdanski
Full Time Employees
7,575
Sector
Finance
Industry
Regional banks
Address
Marcin Kasprzak Street 2 Warsaw MZ Poland 01-211
IPO Date
May 27, 2011
Business
BNP Paribas Bank Polska S.A. (BNP.WA) operates as a universal commercial bank in Poland, providing a comprehensive range of retail, corporate, and institutional banking products and services to individual clients, microbusinesses, small and medium-sized enterprises, corporates, financial institutions, and public sector entities; core offerings include current and deposit accounts, term deposits, mortgage loans, cash loans, car loans, instalment loans, overdrafts, revolving and investment loans, agribusiness financing products, debit and credit cards, wealth management, brokerage services, cash management, global trade finance services such as import/export letters of credit, documentary collections, supply chain and export financing, financial market products including derivatives, leasing, factoring, real estate and structured financing, investment banking, cross-border cash transfers, foreign exchange transactions, online/mobile/telephone banking, and insurance products through group subsidiaries; the bank also emphasizes solutions for the food, agriculture, and green transition sectors. A subsidiary of BNP Paribas SA, the bank traces its origins to 1919 with predecessor entities such as the Polish Agricultural Bank and Société Générale De Banque, formalizing as BNP Paribas Bank Polska S.A. following mergers including the 2015 combination with Bank Gospodarki Żywnościowej (BGŻ) and the 2018-2019 integration of Raiffeisen Bank Polska's core assets, which expanded its presence in large cities, wealthy client segments, private banking, and SMEs; headquartered in Warsaw, it maintains approximately 362 branches and nearly 8,000 employees serving over 4 million clients across Poland. Recent developments include the 2019 rebranding from Bank BGŻ BNP Paribas S.A. to BNP Paribas Bank Polska S.A., enhancing brand alignment with its parent; in 2023, the bank faced a fine for limiting credit holiday applications; the European Bank for Reconstruction and Development reduced its stake from 4.5% to 2.9% in July 2025 via a share sale on the Warsaw Stock Exchange to improve free float and liquidity while retaining long-term partnership, including green financing initiatives like a €100 million guarantee for residential projects; additionally, BNP Paribas Bank Polska provided financing in 2024 for Qemetica's acquisition of PPG assets and announced a new strategy for 2026-2030 in late 2025.