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FINANCIAL ANALYSIS IN ENG
BNP Paribas Group - Financial analysis
BNP Paribas Group
Financial analysis is based on consolidated financial statements. Source are web pages of the company.
BNP Paribas is universal bank operating globally.
TABEL 1: Year growth of total assets
TABEL 2: Year to year growth of total assets
In period between 2017 in 2013 total assets increased for 8,9%, although between 2017 and 2016 total assets decreased for 5,6%.
There is volatility of total assets mainly because volatility of position of derivative financial instruments which accounted in 2017 336.624 mio EUR in comparison to 2016 when derivative financial instruments accounted for 412.498 mio EUR.
TABEL 3: Year growth of loan portfolio
TABEL 4: Year to year growth of loan portfolio
What is important the core business that is financing activities of clients through issuing loans is growing all the time. In between 2017 and 2016 loan activity increased for 2,2%. In period between 2017 and 2013 loan portfolio increased for 17,9%.
TABEL 5: Net interest gap- interest income and interest expense
Interest gap in % is increasing from 52,9% in 2013 to 54,7% in 2016 what is driven by expansion in loan portfolio.
TABEL 6: Interest income in loan portfolio
Interest income in loan portfolio as % is decreasin from 6,3% in 2013 to 5,6% in 2017 what is pushing interest income down.
TABEL 7: Interest expense in deposits and loans received in liabilities
Interest expense in loans and deposits received are decreasing from 3,3% in 2013 to 2,5% in 2017 what is decreasing interest expenses and increasing profitability.
TABEL 8: Interest income/expense, provisions received/given and income/expense from other activity in total assets
Result of revenues in total assets in % stays in same levels around 2,2% in 2017 in comparison with 2,15 in 2013.
TABEL 9: Operating result in total assets
Operating result is taking in the account personal expense and other expenses.
Operating income in total assets is slightly increasing from 0,44% in 2013 to 0,53% in 2017. In 2014 there was legal dispute in U.S. which produced penalties and costs in amount of 6 billion EUR.
TABEL 10: Net profit in total assets
Net income in total assets is slightly increasing from 0,30% in 2013 to 0,42% in 2017.
TABEL 11: Provisions in loan portfolio
Provisions of loans given to customers are decreasing from 4,3% in 2013 to 3,4% in 2017 what indicates good risk management and the fact the bank is not giving loans to troubled companies and individuals because of need to expand the business.
TABEL 12: Total equity (minority interest included) in total assets
Total equity (majority equity plus minority interest) is increasing from 4,5% in 2014 to 5,5% in 2017 what is indicating decreasing overall risk that bank is exposed to.
The overall performance of the bank is good. Loan portfolio is increasing, there is drop in interests in assets and in interests in liabilities, but does not impact overall profitability. Risk management is effective, provisions in loan portfolio are decreasing. The only problem is great volatility in derivative financial instruments impacting overall volatility of total assets.
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