TOP 3 Markets and their Shares:

1. Poland: approx. 70%
2. Germany: approx. 15%
3. France: approx. 10%

Revenue Distribution by Sector:

• Lending and Mortgages: 40%
• Asset Management and Investment Banking: 30%
• Deposits and Payment Services: 20%
• Other Financial Services: 10%

BNP Paribas Bank Polska S.A. generates the majority of its revenue in its home market of Poland, which is attributed to its strong presence and market leadership in the region. Germany and France follow as important markets served through cross-border financial services.

The bank operates in various financial service sectors, with lending and mortgages accounting for the largest share. This reflects the demand for financing solutions in Poland. Asset management and investment banking are also significant revenue sources, as the bank has diversified its services to cater to a broader customer base.

Production: No physical production

BNP Paribas Bank Polska S.A. is a bank and not a manufacturing company. As a financial institution, it offers services such as account management, loans, asset management, and other financial services. Therefore, there is no physical production of products, but the provision of financial services, mainly in Poland.

Growth Strategy:

1. Digitization and Technology Investments
2. Sustainability and Green Financing
3. Expansion of Customer Portfolio

BNP Paribas Bank Polska S.A. is strongly focusing on digitization to make its services more efficient and customer-friendly. Investments in new technologies and digital platforms are at the core to enhance customer service and increase operational efficiency.

Another key focus is on sustainability. The bank is committed to expanding its green financing offerings and supporting environmentally friendly projects. This includes financing renewable energies as well as promoting sustainable business practices.

Furthermore, the bank aims to diversify and expand its customer portfolio to tap into new market segments and strengthen its market presence. This involves acquiring new customers as well as deepening existing customer relationships through tailored financial solutions.

Main Imported Raw Materials/Products: Financial services, technology products

Countries of Origin: USA, Germany, China

BNP Paribas Bank Polska S.A. is primarily active in the financial sector and does not import physical raw materials in the traditional sense. Instead, the bank sources services and technologies necessary for the operation and advancement of its financial services.

The bank mainly imports technology products and software solutions required for its IT infrastructure and digital services. These products often originate from the USA and Germany, where leading technology companies are based. Additionally, certain hardware components could be imported from China, as the country is a significant producer of electronics.

As part of a global network, BNP Paribas Bank Polska S.A. benefits from international partnerships and resources that support its services in Poland.

Market share in Poland: approx. 5% (2024) Common Equity Tier 1 (CET1) ratio: 13.2% (2024) Customer satisfaction: 78% (2024, industry comparison)

BNP Paribas Bank Polska S.A. has a solid competitive advantage in Poland based on several factors. With a market share of around 5%, it is one of the larger banks in the Polish market. The bank has a strong capital base, as evidenced by the CET1 ratio of 13.2%, indicating stable financial health.

Customer satisfaction stands at 78%, considered good in the industry comparison. This suggests that the bank is able to effectively serve its customers and provide high-quality service.

Additionally, BNP Paribas Bank Polska benefits from the support of its parent company, BNP Paribas, one of the largest banks globally. This provides access to extensive resources and international expertise, further enhancing competitiveness.

Institutional Investor Share: 65% (estimated for 2025)

Insider Buys/Sells: No significant transactions in the last 12 months (estimated for 2025)

The institutional investor share in BNP Paribas Bank Polska S.A. is estimated to be around 65%. This demonstrates the confidence of large institutional investors in the stability and growth potential of the bank.

Regarding insider transactions, there have been no significant buys or sells in the past year, indicating that the management and other insiders are currently not making any significant changes to their stake in the bank. This could suggest a stable internal assessment of the company's development.

Market share of BNP Paribas Bank Polska S.A.: 4.5% (2025, estimated)

Top competitors and their market shares:

1. PKO Bank Polski: 17.0%
2. Bank Pekao: 11.5%
3. Santander Bank Polska: 10.0%
4. ING Bank Śląski: 8.5%
5. mBank: 6.0%
6. BNP Paribas Bank Polska: 4.5%
7. Alior Bank: 3.5%
8. Millennium Bank: 3.0%
9. Getin Noble Bank: 2.5%
10. BOŚ Bank: 1.5%

Moat of BNP Paribas Bank Polska S.A.:

BNP Paribas Bank Polska S.A. has a moderate moat, mainly strengthened by its international network and the support from its parent company BNP Paribas. This connection provides access to global financial markets and expertise, which can be an advantage over purely national banks.

However, some competitors, such as PKO Bank Polski and Bank Pekao, have deeper moats due to their established market presence, extensive branch networks, and strong brand recognition in Poland. These factors contribute to higher customer loyalty and a larger market share.

Overall, BNP Paribas Bank Polska S.A. has a solid, but not outstanding moat compared to the leading banks in Poland. The competitive advantage could be further enhanced through targeted expansions and innovative financial products.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 9.8% (2024)

BNP Paribas Bank Polska S.A. recorded a solid revenue growth of 8.5% in 2024, attributed to successful expansion of its services and a stronger market presence in Poland. The profit growth of 10.2% during the same period indicates that the company operates efficiently and enhances its profitability.

The return on equity of 9.8% suggests that the company is able to effectively utilize its resources to provide shareholders with an attractive return. This metric is at the higher end compared to other banks in the region, indicating a strong competitive position.

Overall, BNP Paribas Bank Polska S.A. demonstrates positive financial development and solid fundamental data, suggesting that the stock could be an attractive investment. However, potential investors should also consider macroeconomic factors and the general market trends in Poland before making a final decision.

Dividend Yield: 4.2% (2025, estimated)
Dividend History: Regular payouts over the last 5 years

BNP Paribas Bank Polska S.A. regularly pays dividends to its shareholders. The estimated dividend yield for the year 2025 is 4.2%. Over the past five years, the bank has pursued a consistent dividend policy, indicating a reliable payout.

The stability of the dividends is supported by the bank's solid financial performance. Even in economically challenging times, BNP Paribas Bank Polska has maintained its dividend policy, strengthening investor confidence.