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Polish subsidiary of France's BNP Paribas, offering retail, SME and corporate/agri-banking services.
Polish subsidiary of France's BNP Paribas, offering retail, SME and corporate/agri-banking services.
Earns the spread between loan and deposit rates, plus fees, with a historic lead in lending to farms and food businesses inherited from BGZ, the agricultural bank it was built on. BNP Paribas holds the large majority of shares, so strategy and funding come from the parent, and few shares trade freely.
In one line: A Polish subsidiary of a French global bank.
Moat: narrow (scale, switching costs). BNP Paribas parent backing and a niche in agri-banking, in a market dominated by larger local banks.
Headquarters: Warsaw, Poland · Founded: 1990 · Employees: 7,575
Size BNP Paribas Bank Polska Spolka Akcyjna (BNP.WA) is a Poland Financials company (Regional Banks) with a market value of $6.65B, the 17th largest of 83 Poland companies the cockpit tracks. Shares closed at PLN 176.20 on 6 Nov 2026.
Performance Over six months the shares gained 19.9%, against +6.1% for the median peer and +14.3% for the Poland market (cap-weighted) — 4th highest of 21 in its peer set.
Growth Revenue fell 8.3% over the last twelve months (peer median +5.5%); the operating margin is 45.8% (peer median 41.9%).
Valuation It trades at 1.59× book value against a peer median of 1.35× (7th most expensive of 21).
Price implies The share price implies a return on equity of about 14.8%; BNP Paribas Bank Polska Spolka Akcyjna delivers 16.2%, so the price asks less than the business earns today.
Next results Next results expected around 4 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | PLN 12.0B | PLN 12.6B | PLN 12.7B | PLN 12.3B | PLN 8.75B |
| Revenue growth | — | -1% | +3% | +41% | — |
| Net income | PLN 2.56B | PLN 3.06B | PLN 2.36B | PLN 1.01B | PLN 441M |
| Free cash flow | PLN 1.96B | PLN 3.89B | PLN 2.40B | PLN 794M | PLN 2.07B |
| Capital expenditure | PLN 429M | PLN 468M | PLN 465M | PLN 446M | PLN 338M |
| Total debt | PLN 15.7B | PLN 16.1B | PLN 15.1B | PLN 14.5B | PLN 13.2B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| BNP Paribas Bank Polska Spolka Akcyjna BNP.WA | $6.65B | +20% | -8% | 16% | 1.59× | 14.8% |
| PKO Bank Polski PKO.WA | $36.5B | +18% | -2% | 20% | 2.56× | 31.9% |
| Bank Polska Kasa Opieki PEO.WA | $17.4B | +12% | -5% | 18% | 2.04× | 25.7% |
| mBank MBK.WA | $17.7B | +37% | -1% | 19% | 3.05× | 37.6% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | BNP.WA | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +8.4% | +0.4% | 2nd highest of 21 |
| 6-month return | +19.9% | +6.1% | 4th highest of 21 |
| Return on equity | 16.2% | 9.9% | 3rd highest of 21 |
| Price / book | 1.59× | 1.35× | 7th most expensive of 21 |
| Trailing P/E | 10.2× | 14.3× | 4th cheapest of 20 |
| ROE the price implies | 14.8% | 8.5% | 4th most demanding of 20 |
| ROE delivered | 16.2% | 10.3% | 3rd highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| BNP Paribas Bank Polska Spolka Akcyjna BNP.WA | Poland | $6.65B | +20% | -8% | 16% | 1.59× | 14.8% | 16.2% |
| United Bankshares UBSI | United States | $6.57B | +11% | +4% | 9% | 1.20× | 9.7% | 9.4% |
| Hachijuni Nagano Bank 8359.T | Japan | $6.53B | +6% | +20% | 7% | 0.85× | 5.6% | 6.5% |
| Ringkjobing Landbobank A/S RILBA.CO | Denmark | $6.44B | +16% | +2% | 20% | 3.58× | 10.2% | 20.5% |
| Bank of Suzhou 002966.SZ | China | $6.41B | +12% | +5% | 11% | 0.79× | 2.8% | 10.9% |
| Rakuten Bank 5838.T | Japan | $6.36B | -9% | +38% | 22% | 2.55× | 8.1% | 21.5% |
| Bank Millennium MIL.WA | Poland | $7.04B | +26% | -2% | 16% | 2.80× | 38.0% | 15.6% |
| IDFC First Bank IDFCFIRSTB.NS | India | $7.05B | +10% | +13% | 6% | 1.35× | 24.3% | 6.3% |
| Glacier Bancorp GBCI | United States | $6.27B | -1% | +21% | 9% | 1.45× | 11.2% | 8.8% |
| Kyoto Financial Group,Inc 5844.T | Japan | $7.14B | -11% | +19% | 8% | 0.79× | 5.9% | 7.9% |
| KakaoBank 323410.KS | South Korea | $7.28B | -15% | +6% | 7% | 1.46× | 8.5% | n/a |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |
| AU Small Finance Bank AUBANK.NS | India | $7.39B | -10% | +17% | 16% | 3.21× | 44.0% | 15.7% |
| Home BancShares HOMB | United States | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% | 11.1% |
| Shanghai Commercial & Savings Bank 5876.TW | Taiwan | $7.56B | +34% | -17% | 9% | 1.17× | 4.0% | 8.6% |
| Gunma Bank 8334.T | Japan | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% | 10.3% |
| Hancock Whitney HWC | United States | $5.73B | +4% | -1% | 9% | 1.34× | 12.2% | 9.4% |
| Commerce Bancshares CBSH | United States | $7.82B | +6% | +9% | 15% | 1.87× | 12.1% | 14.9% |
| Luzerner Kantonalbank LUKN.SW | Switzerland | $7.86B | +28% | -3% | 9% | 1.76× | n/a | 8.9% |
| Iyogin Holdings,Inc 5830.T | Japan | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% | 7.8% |