BNP Paribas Polska wersja

Selected financial data and ratios

Below, we present the selected items of the Consolidated Financial Statements of the Capital Group of Bank BGŻ BNP Paribas S.A.

Data for 2015 refer to the merged Bank BGŻ BNP Paribas S.A. The merger was carried out using the book value method. The results of the operations of BNP Paribas Bank Polska S.A. were recognized in the consolidated financial statements of the Capital Group of Bank BGŻ BNP Paribas S.A. prospectively, i.e. as from 30 April 2015. The Group’s comparative data for the preceding periods were not restated (data for 12M 2014 and as at 31 December 2014 refer to Bank BGŻ Group alone).

Consolidated financial highlights

in PLN thousand

31.12.2015

(YTD)

31.12.2014

(YTD)

Net interest income

1 422 647

1 118 284

Net fee and commission income

422 702

310 499

Profit before income tax

29 692

178 176

Net profit for the period

13 293

138 031

Total comprehensive income

(45 588)

301 931

Total net cash

1 081 354

299 341

in PLN thousand

31.12.2015

31.12.2014

Total assets

65 372 338

40 496 575

Amounts due to customers

46 527 391

32 804 444

Total liabilities

59 103 984

36 340 271

Share capital

84 238

56 139

Total equity

6 198 728

4 156 304

Selected consolidated key ratios


31.12.2015
(YTD)

31.12.2014
(YTD)

Return on equity(1)

3.4%*

3.6%

Return on assets(2)

0.3%*

0.4%

Net interest margin(3)

2.6%

2.9%

Cost/Income(4)

74.2%*

67.8%

Credit risk cost(5)

(0.7%)

(1.1%)

Loans (net)/Deposits(6)

118.0%

97.1%

Loans/Total sources of funding(7)

98.2%

88.2%

Earnings per share

0.18 PLN

2.56 PLN

Total capital ratio

13.45%

13.81%

Tier 1 ratio

11.76%

12.69%

* normalized values excluding integration costs

(1) Net profit relative to average equity, calculated based on quarter-end balances (annualized)

(2) Net profit relative to average assets, calculated based on quarter-end balances (annualized)

(3) Net interest income relative to average assets, calculated based on quarter-end balances (annualized)

(4) Total general administrative expenses, depreciation and amortization relative to total net banking income

(5) Net impairment losses on loans and advances relative to the average balance of net loans and advances to customers, calculated based on quarter-end balances (annualized)

(6) Net loans and advances to customers relative to customer deposits, balance at the end of the period

(7) Gross loans and advances to customers relative to total amounts due to customers, debt securities issued, loans from other banks and subordinated liabilities, balance at the end of the period

Source: Consolidated Financial Statements of the Capital Group of Bank BGŻ BNP Paribas S.A. for year ended 31 December 2015.

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