ScoreWhy is BNP Paribas Bank Polska SA ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.54% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.54% signifying inadequate buffers against its risk based assets
- A high ratio signifies bank has weaker due diligence systems when giving out loans
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 33.10%
3
Flat results in Mar 26
- NET PROFIT(HY) At PLN -953.62 MM has Grown at -161.86%
- NET SALES(Q) Lowest at PLN 2,280.57 MM
- NII(Q) Lowest at PLN 1,446.17 MM
4
With ROA of 1.12%, it has a attractive valuation with a 1.26 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 38.68%, its profits have risen by 30% ; the PEG ratio of the company is 0.2
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to BNP Paribas Bank Polska SA should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is BNP Paribas Bank Polska SA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
BNP Paribas Bank Polska SA
39.91%
1.65
31.50%
Poland WIG
29.57%
1.74
17.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.30%
EBIT Growth (5y)
32.78%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
49.52%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.26
EV to EBIT
7.00
EV to EBITDA
6.14
EV to Capital Employed
1.21
EV to Sales
2.68
PEG Ratio
0.24
Dividend Yield
6.93%
ROCE (Latest)
17.24%
ROE (Latest)
17.75%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
CASH AND EQV(HY)
Highest at PLN 20,597.26 MM
-10What is not working for the Company
NET PROFIT(HY)
At PLN -953.62 MM has Grown at -161.86%
NET SALES(Q)
Lowest at PLN 2,280.57 MM
NII(Q)
Lowest at PLN 1,446.17 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 73.62%
EPS(Q)
Lowest at PLN 2.54
Here's what is working for BNP Paribas Bank Polska SA
Cash and Eqv
Highest at PLN 20,597.26 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for BNP Paribas Bank Polska SA
Net Profit
At PLN -953.62 MM has Grown at -161.86%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (PLN MM)
Net Sales
Lowest at PLN 2,280.57 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (PLN MM)
NII
Lowest at PLN 1,446.17 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PLN MM)
EPS
Lowest at PLN 2.54
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (PLN)
Credit Deposit Ratio
Lowest at 73.62%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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