Cash flow BNP Paribas

Equities

BNP

FR0000131104

Banks

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09:43am	France Sells 10 Billion Euros in New May 2046 OAT -- Update	DJ
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Published financial data: BNP PARIBAS

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	33.59B	29.52B	41.08B	79.54B	83.02B
Interest Income, Total	33.59B	29.52B	41.08B	79.54B	83.02B
Interest On Deposits	12.28B	10.28B	20.25B	60.48B	63.5B
Interest Expense, Total	12.28B	10.28B	20.25B	60.48B	63.5B
Net Interest Income	21.31B	19.24B	20.83B	19.06B	19.52B
Gain (Loss) on Sale of Assets	1.03B	834M	-253M	-104M	-191M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	280M	501M	-827M	-511M	-213M
Income (Loss) on Equity Invest. (Income Block)	-5M	1M	-4M	-6M	1M
Total Other Non Interest Income	22.69B	24.02B	27.63B	27.29B	29.62B
Non Interest Income, Total	23.99B	25.36B	26.55B	26.67B	29.21B
Revenues Before Provison For Loan Losses	45.3B	44.6B	47.38B	45.73B	48.74B
Provision For Loan Losses	5.72B	2.97B	2.8B	2.7B	3B
Total Revenues	39.59B	41.62B	44.58B	43.03B	45.74B
Salaries And Other Employee Benefits	16.09B	15.29B	16.61B	-	-
Occupancy Expense	2.44B	2.34B	2.38B	2.24B	2.36B
Selling General & Admin Expenses, Total	338M	597M	498M	589M	646M
(Income) Loss on Equity Invest.	-423M	-494M	-699M	-593M	-701M
Total Other Non Interest Expense	11.33B	11.24B	12.19B	28.98B	27.46B
Non Interest Expense, Total	29.77B	28.97B	30.98B	31.22B	29.76B
EBT, Excl. Unusual Items	9.82B	12.65B	13.6B	11.8B	15.98B
Impairment of Goodwill	5M	91M	249M	-	241M
Asset Writedown	-	-	-18M	-	-34M
Legal Settlements	-	-	-	125M	-
Other Unusual Items	-	-	-204M	-204M	-
EBT, Incl. Unusual Items	9.82B	12.74B	13.63B	11.72B	16.19B
Income Tax Expense	2.41B	3.58B	3.72B	3.27B	4B
Earnings From Continuing Operations	7.42B	9.16B	9.91B	8.46B	12.19B
Earnings Of Discontinued Operations	-	720M	686M	2.95B	-
Net Income to Company	7.42B	9.88B	10.6B	11.41B	12.19B
Minority Interest	-348M	-392M	-401M	-431M	-499M
Net Income - (IS)	7.07B	9.49B	10.2B	10.98B	11.69B
Preferred Dividend and Other Adjustments	441M	436M	575M	677M	845M
Net Income to Common Incl Extra Items	6.63B	9.05B	9.62B	10.3B	10.84B
Net Income to Common Excl. Extra Items	6.63B	8.33B	8.94B	7.35B	10.84B
Per Share Items
Net EPS - Basic	5.31	7.26	7.8	8.58	9.57
Basic EPS - Continuing Operations	5.31	6.68	7.25	6.12	9.57
Basic Weighted Average Shares Outstanding	1.25B	1.25B	1.23B	1.2B	1.13B
Net EPS - Diluted	5.31	7.26	7.8	8.58	9.57
Diluted EPS - Continuing Operations	5.31	6.68	7.24	6.12	9.57
Diluted Weighted Average Shares Outstanding	1.25B	1.25B	1.23B	1.2B	1.13B
Normalized Basic EPS	4.64	6.03	6.57	5.79	8.37
Normalized Diluted EPS	4.64	6.03	6.57	5.79	8.37
Dividend Per Share	2.66	3.67	3.9	4.6	4.79
Payout Ratio	6.03	4.34	48.07	49.18	50.83
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	24.51	28.12	27.27	27.86	24.72
Total Current Taxes	2.39B	2.81B	2.84B	3.06B	3.01B
Total Deferred Taxes	16M	778M	872M	203M	988M
Normalized Net Income	5.79B	7.52B	8.1B	6.95B	9.49B
Non-Cash Pension Expense	-48M	6M	7M	-25M	-10M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	338M	597M	498M	589M	646M
Total Stock-Based Compensation	338M	597M	498M	589M	646M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	317B	358B	330B	297B	192B
Investment Securities, Total	686B	678B	582B	497B	555B
Trading Asset Securities, Total	465B	443B	515B	683B	788B
Total investments	1,151B	1,121B	1,097B	1,180B	1,343B
Gross Loans	843B	848B	897B	897B	944B
Allowance For Loan Losses	-21.55B	-20.03B	-17.3B	-17.61B	-16.99B
Other Adjustments to Gross Loans	-2.68B	-2.8B	-3.03B	-4.72B	-5.33B
Net Loans	819B	825B	877B	875B	921B
Gross Property Plant And Equipment	53.26B	55.02B	59.82B	66.38B	72.37B
Accumulated Depreciation	-20.37B	-20.51B	-21.88B	-21.65B	-22.58B
Net Property Plant And Equipment	32.9B	34.51B	37.94B	44.74B	49.79B
Goodwill	7.49B	5.12B	5.29B	5.55B	5.55B
Other Intangibles, Total	3.9B	3.66B	3.79B	4.14B	4.39B
Investment in Real Estate	7.19B	7.8B	7.79B	7.98B	7.57B
Accrued Interest Receivable	3.98B	4.62B	7.03B	5.4B	5.69B
Other Receivables	35.06B	39.98B	48.27B	48.34B	45.75B
Other Current Assets, Total	103B	227B	242B	119B	125B
Deferred Tax Assets Long-Term (Collected)	4.54B	4B	4.21B	3.61B	3.38B
Other Long-Term Assets, Total	3.46B	2.81B	5.44B	1.43B	1.36B
Total Assets	2,488B	2,634B	2,666B	2,591B	2,705B
Liabilities
Accrued Expenses, Total	6.7B	7.74B	10.87B	8.26B	8.5B
Interest Bearing Deposits	328B	324B	419B	450B	474B
Non-Interest Bearing Deposits	622B	644B	605B	553B	573B
Total Deposits	951B	967B	1,023B	1,002B	1,047B
Short-Term Borrowings	361B	307B	388B	411B	437B
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	319B	347B	297B	281B	289B
Long-Term Leases	3.6B	3.25B	3.08B	3.06B	2.85B
Current Income Taxes Payable	1.67B	1.79B	2.04B	2.72B	2.35B
Other Current Liabilities - (Bank / Utility Template)	384B	481B	411B	380B	385B
Pension & Other Post Retirement Benefits	4.19B	3.84B	3.24B	3.28B	3.07B
Deferred Tax Liability Non-Current	1.33B	1.32B	1.01B	1.1B	1.31B
Other Non Current Liabilities	339B	392B	400B	370B	395B
Total Liabilities	2,371B	2,512B	2,540B	2,463B	2,571B
Common Stock, Total	2.5B	2.5B	2.5B	2.29B	2.47B
Additional Paid In Capital	24.55B	23.85B	23.69B	18.91B	17.66B
Retained Earnings	76.29B	82.11B	87.36B	81.14B	98.38B
Comprehensive Income and Other	9.45B	9.43B	8.25B	21.4B	9.62B
Total Common Equity	113B	118B	122B	124B	128B
Minority Interest	4.55B	4.62B	4.76B	5.12B	6B
Total Equity	117B	123B	127B	129B	134B
Total Liabilities And Equity	2,488B	2,634B	2,666B	2,591B	2,705B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.25B	1.23B	1.23B	1.15B	1.13B
ECS Total Common Shares Outstanding	1.25B	1.23B	1.23B	1.15B	1.13B
Book Value / Share	82.34	88.1	89.17	96.18	102.7
Tangible Book Value	101B	109B	113B	114B	118B
Tangible Book Value Per Share	73.22	80.98	81.81	87.73	93.9
Tangible Book Value Per Share (As Reported)	73.2	78.7	79.3	87.6	-
Total Debt	684B	657B	688B	695B	729B
Deposits at Interest - Cash	89M	14.71B	2.78B	92M	193M
Debt Equivalent of Unfunded Proj. Benefit Obligation	508M	46M	-187M	-10M	-158M
Net Debt	-339B	-385B	-339B	-501B	-464B
Equity Method Investments, Total	6.75B	6.88B	6.6B	6.84B	7.94B
Full Time Employees	193K	190K	190K	183K	178K
Assets on Operating Lease - Gross	30.44B	33.89B	38.82B	45.72B	51.33B
Assets on Operating Lease - Accumulated Depreciation	-8.2B	-9.28B	-10.66B	-10.57B	-11.02B

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	7.07B	9.49B	10.2B	10.98B	11.69B
Depreciation, Depletion & Amortization	6.32B	6.78B	6.52B	6.24B	7.27B
Total Depreciation, Depletion & Amortization	6.32B	6.78B	6.52B	6.24B	7.27B
Total Asset Writedown	24M	22M	91M	-32M	21M
(Income) Loss On Equity Investments - (CF)	-423M	-494M	-699M	-593M	-701M
Change In Income Taxes	-2.59B	-2.36B	-2B	-3.36B	-3.13B
Change in Other Net Operating Assets (Collected)	126B	4.76B	-86.71B	-54.76B	-122B
Other Operating Activities	2.57B	23.28B	18.95B	3.62B	9B
Net Cash From Discontinued Operations	-	893M	823M	3.66B	-
Cash from Operations	139B	42.38B	-52.84B	-34.24B	-97.38B
Capital Expenditure	-773M	-1.66B	-2.53B	-2.22B	-2.14B
Divestitures	-	-	366M	9.52B	1.96B
Investment in Marketable and Equity Securities, Total	-78M	482M	-	-	-
Cash from Investing	-851M	-1.18B	-2.16B	7.3B	-180M
Issuance of Common Stock	1.62B	1.24B	5.02B	1.67B	388M
Repurchase of Common Stock	-340M	-2.69B	-2.86B	-5.22B	-2.44B
Common Dividends Paid	-	-	-4.53B	-4.74B	-5.2B
Preferred Dividends Paid	-426M	-412M	-374M	-654M	-743M
Common & Preferred Stock Dividends Paid	-426M	-412M	-4.9B	-5.4B	-5.94B
Other Financing Activities, Total	17.68B	16.38B	11.99B	4.28B	1.57B
Cash from Financing	18.52B	14.52B	9.25B	-4.68B	-6.42B
Foreign Exchange Rate Adjustments	-2.61B	107M	1.03B	-3.51B	-393M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	154B	55.82B	-44.72B	-35.12B	-104B
Supplemental Items
Cash Income Tax Paid (Refund)	2.59B	2.36B	2B	3.36B	3.13B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.32	0.36	0.37	0.32	0.46
Return On Equity %	6.47	7.64	7.96	6.64	9.27
Return on Common Equity	6.02	7.22	7.46	6	8.61
Shareholders Value Added	-6.15B	-4.35B	-4.18B	-3.72B	-3.42B
Margin Analysis
SG&A Margin	47.65	43.8	43.71	6.58	6.56
Net Interest Income / Total Revenues %	53.83	46.22	46.73	44.29	42.69
EBT Excl. Non-Recurring Items Margin %	24.8	30.4	30.51	27.43	34.94
Income From Continuing Operations Margin %	18.73	22.01	22.23	19.66	26.65
Net Income Margin %	17.85	22.79	22.87	25.51	25.55
Net Avail. For Common Margin %	16.74	20.02	20.04	17.08	23.71
Normalized Net Income Margin	14.62	18.06	18.17	16.14	20.75
Asset quality
Nonperforming Loans / Total Loans %	3.57	3.28	2.82	2.82	2.74
Nonperforming Loans / Total Assets %	1.21	1.06	0.95	0.98	0.95
Nonperforming Assets / Total Assets %	1.21	1.06	0.95	0.98	0.95
NPAs / Loans and OREO	3.57	3.28	2.82	2.82	2.74
NPAs / Equity	25.63	22.71	19.97	19.64	19.25
Allowance for Credit Losses / Net Charge-offs %	574.56	471.58	386.37	492.62	432.5
Allowance for Credit Losses / Nonperforming Loans %	71.65	71.99	68.44	69.59	65.8
Allowance for Credit Losses / Total Loans %	2.56	2.36	1.93	1.96	1.8
Provision for Loan Losses / Net Charge-offs %	152.45	69.96	62.54	75.61	76.33
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.73	4.5	4.52	4.66	4.76
Total Average Equity / Total Average Assets %	4.93	4.68	4.7	4.85	4.97
Total Equity + Allowance for Loan Losses / Total Loans %	15.94	16.26	15.5	15.76	15.38
Gross Loans / Total Deposits %	88.69	87.66	87.67	89.48	90.14
Net Loans / Total Deposits %	86.14	85.3	85.68	87.25	88.01
Tier 1 Capital Ratio %	14.2	14.05	13.89	15.28	14.93
Total Capital Ratio %	16.4	16.43	16.19	17.3	17.13
Core Tier 1 Capital Ratio	12.8	12.89	12.33	13.2	12.87
Tier 2 Capital Ratio	2.16	2.38	2.3	2.02	2.21
Coverage Ratio	71.65	71.99	68.44	69.59	65.8
Interbank Ratio	175.15	158.55	166.11	25.57	46.58
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.8	2.24	1.67	1.19	1.25
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.88	-0.25	8.28	-8.96	2.45
Non Interest Income, 1 Yr. Growth %	-4.18	7.8	4.69	9.59	9.52
Provision For Loan Losses, 1 Yr. Growth %	78.49	-44.93	-5.76	-3.43	3.16
Total Revenues, 1 Yr. Growth %	-7.86	11.26	7.09	1.31	6.8
Earnings From Cont. Operations, 1 Yr. Growth %	-13.61	30.19	8.2	-11.53	44.07
Net Income, 1 Yr. Growth %	-13.53	34.26	7.46	11.44	6.5
Normalized Net Income, 1 Yr. Growth %	-19.87	37.04	7.68	-11.29	38.92
Diluted EPS Before Extra, 1 Yr. Growth %	-14.44	33.43	8.38	-12.07	56.33
Dividend Per Share, 1 Yr. Growth %	-	37.97	6.27	17.95	4.13
Gross Loans, 1 Yr. Growth %	0.26	0.6	5.94	-0.15	5.2
Allowance For Loan Losses, 1 Yr. Growth %	1.26	-7.05	-8.52	-4.19	-3.51
Net Loans, 1 Yr. Growth %	0.19	0.79	6.26	-0.25	5.33
Non Performing Loans, 1 Yr. Growth %	0.95	-7.49	-9.14	0.13	2.04
Non Performing Assets, 1 Yr. Growth %	0.95	-7.49	-9.14	0.13	2.04
Total Assets, 1 Yr. Growth %	14.96	5.87	1.21	-2.71	4.38
Total Deposits, 1 Yr Growth %	12.41	1.79	5.78	-2.16	4.43
Tangible Book Value, 1 Yr. Growth %	5.87	7.59	3.3	1.69	3.63
Common Equity, 1 Yr. Growth %	4.98	4.51	3.31	2.07	3.55
Total Equity, 1 Yr. Growth %	4.92	4.4	3.3	2.27	4.09
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.59	-4.58	3.93	-0.47	-3.42
Non Interest Income, 2 Yr. CAGR %	4.88	0.64	6.23	2.56	9.56
Provision For Loan Losses, 2 Yr. CAGR %	43.82	-3.69	-27.96	-4.62	3.51
Total Revenues, 2 Yr. CAGR %	-0.65	-1.57	9.15	1.67	3.77
Earnings From Cont. Operations, 2 Yr. CAGR %	-3.76	3.31	18.68	-3.9	12.9
Net Income, 2 Yr. CAGR %	-3.1	7.74	20.12	7.55	8.94
Normalized Net Income, 2 Yr. CAGR %	-0.7	2.01	21.52	-3.9	10.08
Diluted EPS Before Extra, 2 Yr. CAGR %	-3.73	3.75	20.26	-4.28	17.25
Dividend Per Share, 2 Yr. CAGR %	-6.15	-	21.09	11.96	10.82
Gross Loans, 2 Yr. CAGR %	2.5	0.43	3.16	2.91	2.49
Allowance For Loan Losses, 2 Yr. CAGR %	-5.7	-2.98	-10.4	-3.49	-3.85
Net Loans, 2 Yr. CAGR %	2.74	0.49	3.49	2.95	2.5
Non Performing Loans, 2 Yr. CAGR %	-5.9	-3.36	-8.32	-4.62	1.08
Non Performing Assets, 2 Yr. CAGR %	-5.9	-3.36	-8.32	-4.62	1.08
Total Assets, 2 Yr. CAGR %	10.42	10.32	3.51	-0.82	0.77
Total Deposits, 2 Yr CAGR %	8.47	6.97	3.76	1.79	1.08
Tangible Book Value, 2 Yr. CAGR %	6.62	6.73	5.42	2.24	2.66
Common Equity, 2 Yr. CAGR %	5.44	4.74	3.91	2.45	2.81
Total Equity, 2 Yr. CAGR %	5.35	4.66	3.85	2.56	3.18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.19	-2.97	-0.47	-0.4	0.49
Non Interest Income, 3 Yr. CAGR %	2.23	5.15	1.97	4.28	4.83
Provision For Loan Losses, 3 Yr. CAGR %	25.29	2.44	-4.38	-20.58	0.31
Total Revenues, 3 Yr. CAGR %	-0.95	1.24	1.24	4.77	3.19
Earnings From Cont. Operations, 3 Yr. CAGR %	-3.33	4.6	4.91	6.33	9.99
Net Income, 3 Yr. CAGR %	-3.07	8.03	7.65	15.8	7.2
Normalized Net Income, 3 Yr. CAGR %	-5	8.59	3.89	8.2	8.06
Diluted EPS Before Extra, 3 Yr. CAGR %	-4.24	5.25	5.27	6.92	12.72
Dividend Per Share, 3 Yr. CAGR %	-4.14	6.71	-	20.03	9.28
Gross Loans, 3 Yr. CAGR %	2.88	1.86	2.19	2.09	3.67
Allowance For Loan Losses, 3 Yr. CAGR %	-7.87	-6.15	-6.67	-6.5	-3.5
Net Loans, 3 Yr. CAGR %	3.3	2.09	2.38	2.22	3.74
Non Performing Loans, 3 Yr. CAGR %	-7.02	-6.43	-5.33	-5.59	-2.45
Non Performing Assets, 3 Yr. CAGR %	-7.02	-6.43	-5.33	-5.59	-2.45
Total Assets, 3 Yr. CAGR %	8.47	8.88	7.19	1.36	0.88
Total Deposits, 3 Yr CAGR %	7.3	6.19	6.57	1.79	2.66
Tangible Book Value, 3 Yr. CAGR %	5.43	6.95	5.57	3.99	2.7
Common Equity, 3 Yr. CAGR %	4.3	5.13	4.26	3.13	2.82
Total Equity, 3 Yr. CAGR %	3.92	5.03	4.2	3.17	3.07
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-1.13	-2.98	-0.34	-1.98	-1.57
Non Interest Income, 5 Yr. CAGR %	2.33	3.82	3.4	4.11	3.13
Provision For Loan Losses, 5 Yr. CAGR %	8.53	-1.85	-0.75	-0.45	-1.31
Total Revenues, 5 Yr. CAGR %	-0.28	0.73	1.82	1.41	1.26
Earnings From Cont. Operations, 5 Yr. CAGR %	1.03	2.45	3.85	1.11	7.26
Net Income, 5 Yr. CAGR %	1.09	4.26	5.61	7.84	7.42
Normalized Net Income, 5 Yr. CAGR %	-3.22	2.33	3.71	3.43	5.61
Diluted EPS Before Extra, 5 Yr. CAGR %	0.69	2.17	3.67	1.33	9.04
Dividend Per Share, 5 Yr. CAGR %	2.86	6.33	5.25	8.78	-
Gross Loans, 5 Yr. CAGR %	2.72	1.79	3	2.25	2.33
Allowance For Loan Losses, 5 Yr. CAGR %	-4.01	-5.96	-8.89	-6.18	-4.4
Net Loans, 5 Yr. CAGR %	2.98	2.05	3.38	2.43	2.43
Non Performing Loans, 5 Yr. CAGR %	-6.13	-7.81	-7.54	-5.71	-2.82
Non Performing Assets, 5 Yr. CAGR %	-6.13	-7.81	-7.54	-5.71	-2.82
Total Assets, 5 Yr. CAGR %	4.53	4.87	6.46	4.89	4.56
Total Deposits, 5 Yr CAGR %	6.2	4.55	5.87	4.41	4.36
Tangible Book Value, 5 Yr. CAGR %	4.13	4.58	5.43	5.04	4.29
Common Equity, 5 Yr. CAGR %	3.22	3.21	4.14	4.05	3.58
Total Equity, 5 Yr. CAGR %	3.24	3.09	3.89	4.04	3.7