BNP
BNP Paribas SA
Is BNP Halal?
French bank — universal banking with riba.
What You Should Know
BNP Paribas is a European universal bank. Q1 2026 debt was 64.49% of assets, liquidity 36.01% and receivables plus cash 37.68%; disclosed Commercial & Personal Banking net-interest revenue alone was at least 21.94% of group income.
⚠️ Concerns
- •Universal banking and consumer finance
- •Investment banking, markets and derivatives
- •At least 21.94% disclosed net-interest lower bound
Current quantitative Sharia screen
Based on Q1 2026 Press Release and Quarterly Series figures for the period ended 2026-03-31; calculated 2026-07-14.
1,890,613 / 2,931,529
1,055,662 / 2,931,529
1,104,476 / 2,931,529
3,084 / 14,056
- Financial
- Fails
- Overall
- Fails
Debt is 64.49% of assets, liquidity is 36.01%, receivables plus cash are 37.68%, and the disclosed net-interest lower bound is 21.94%; the examined limits are exceeded.
- Financial
- Fails
- Overall
- Fails
Debt, liquidity and receivables-plus-cash exceed the examined MSCI total-assets limits.
- Financial
- Fails
- Overall
- Fails
Debt and liquidity exceed the examined SAC ratios and the core conventional-bank activity fails independently; this is a calculation against SAC ratios, not an official SAC classification.
- Financial
- Not calculated
- Overall
- Fails
Historical market-cap ratios are not stored; a different denominator cannot cure the failed conventional-banking activity.
Business-activity disclosure
BNP Paribas is a European universal bank spanning commercial and personal banking, consumer finance, insurance, wealth management, investment banking and markets. Its disclosed Commercial & Personal Banking net-interest revenue alone was EUR 3,084 million, at least 21.94% of group Q1 net banking income.
Limitation: The release and quarterly series do not provide a single consolidated net-interest line covering every division; the disclosed CPBS lower-bound and the conventional banking model independently establish the activity concern.
Purification
Purification is not calculated because BNP Paribas fails at the core conventional-banking activity level; the disclosed CPBS net-interest lower bound is evidence of that activity, not a donation amount that makes ownership compliant.
Inputs, assumptions and primary sources
- EUR millions from BNP Paribas' consolidated 31 March 2026 balance sheet and Q1 results release.
- Interest-bearing funding includes central-bank deposits, fair-value deposits and repurchase agreements, issued debt and subordinated debt, deposits from credit institutions, customer deposits, debt securities and subordinated debt at amortised cost.
- Identifiable securities include fair-value securities and loans/repurchase agreements, FVOCI debt securities and debt securities at amortised cost; derivatives are excluded. Customer loans are the receivables/financing-assets proxy.
- Group net banking income was EUR 14,056 million. The quarterly series discloses EUR 3,084 million of net-interest revenue for Commercial & Personal Banking including 100% of Private Banking; this is a disclosed conservative lower-bound proxy, not a claim that it is the full consolidated NII.
This is a reproducible financial screen, not a fatwa. A failed total-assets screen can coexist with a pass under a market-cap methodology. ZakatInvest keeps the qualitative assessment separate so numerical thresholds do not erase material context.
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