By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro's net interest margin amounted to 1.81% in 2018, down from 1.82% compared to the previous year. ...
By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro's net interest margin amounted to 1.81% in 2018, down from 1.82% compared to the previous year. ...
By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro's capital adequacy ratio reached 12.9% at the end of 2018, up from 12.5% compared to the previous year...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | EUR mil | 1,480 | 1,440 | 1,449 |
| Net Fee Income | EUR mil | 1,004 | 1,053 | 1,033 |
| Other Income | EUR mil | 191 | 54.7 | 155 |
| Total Revenues | EUR mil | 2,675 | 2,547 | 2,637 |
| Staff Cost | EUR mil | 1,020 | 954 | 982 |
| Operating Profit | EUR mil | 1,007 | 855 | 934 |
| Provisions | EUR mil | 611 | 539 | 454 |
| Net Profit | EUR mil | 219 | 155 | 312 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | EUR mil | 4,185 | 6,938 | 7,882 |
| Customer Loans | EUR mil | 61,268 | 61,225 | 65,351 |
| Total Assets | EUR mil | 79,049 | 78,933 | 81,203 |
| Shareholders' Equity | EUR mil | 5,610 | 5,804 | 5,296 |
| Interbank Borrowing | EUR mil | 23,598 | 23,900 | 25,982 |
| Customer Deposits | EUR mil | 43,928 | 44,738 | 45,708 |
| Issued Debt Securities | EUR mil | 1,361 | 903 | 504 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 3.89 | 2.72 | 5.63 |
| ROA | % | 1.65 | 1.40 | 1.48 |
| Costs (As % Of Assets) | % | 2.74 | 2.76 | 2.69 |
| Costs (As % Of Income) | % | 62.3 | 66.4 | 64.6 |
| Capital Adequacy Ratio | % | 13.2 | 12.5 | 12.9 |
| Net Interest Margin | % | 1.89 | 1.82 | 1.81 |
| Loans (As % Of Deposits) | % | 139 | 137 | 143 |
| NPLs (As % Of Loans) | % | 19.0 | 16.8 | 12.9 |
| Provisions (As % Of NPLs) | % | 56.6 | 53.1 | 58.4 |
| Valuation | 2016 | 2017 | 2018 | |
| Earnings Per Share (EPS) | EUR | 0.106 | 0.075 | 0.150 |
| Book Value Per Share | EUR | 2.70 | 2.79 | 2.55 |
Get all company financials in excel:
| summary | Unit | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||||||||||||||||||||||
| Net Interest Income | EUR mil | ... | ... | ... | 1,839 | 1,620 | 1,747 | 1,582 | 1,480 | |||||||||||||||||||||||
| Total Revenues | EUR mil | ... | ... | ... | 2,988 | 2,875 | 2,829 | 2,713 | 2,675 | |||||||||||||||||||||||
| Operating Profit | EUR mil | ... | ... | ... | 1,105 | 1,088 | 1,089 | 1,050 | 1,007 | |||||||||||||||||||||||
| Net Profit | EUR mil | ... | ... | ... | 51.7 | 91.6 | -111 | 17.4 | 219 | |||||||||||||||||||||||
| balance sheet | ||||||||||||||||||||||||||||||||
| Interbank Loans | EUR mil | ... | ... | ... | 7,941 | 8,859 | 4,711 | 3,111 | 4,185 | |||||||||||||||||||||||
| Customer Loans | EUR mil | ... | ... | ... | 68,817 | 63,738 | 61,998 | 60,523 | 61,268 | |||||||||||||||||||||||
| Debt Securities | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,031 | ||||||||||||||||||
| Total Assets | EUR mil | ... | ... | ... | 91,201 | 85,008 | 80,330 | 77,495 | 79,049 | |||||||||||||||||||||||
| Shareholders' Equity | EUR mil | ... | ... | ... | 5,358 | 5,572 | 5,558 | 5,649 | 5,610 | |||||||||||||||||||||||
| Interbank Borrowing | EUR mil | ... | ... | ... | 33,638 | 27,987 | 24,602 | 24,808 | 23,598 | |||||||||||||||||||||||
| Customer Deposits | EUR mil | ... | ... | ... | 37,364 | 38,053 | 37,404 | 38,710 | 43,928 | |||||||||||||||||||||||
| Issued Debt Securities | EUR mil | ... | ... | ... | 6,252 | 6,293 | 5,901 | 3,007 | 1,361 | |||||||||||||||||||||||
| ratios | ||||||||||||||||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | 0.988 | 1.68 | -2.00 | 0.311 | 3.89 | |||||||||||||||||||||
| ROA | % | ... | ... | ... | ... | ... | 1.49 | 1.64 | 1.73 | 1.71 | 1.65 | |||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | 2.54 | 2.70 | 2.77 | 2.71 | 2.74 | |||||||||||||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | 63.0 | 62.2 | 61.5 | 61.3 | 62.3 | |||||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.0 | 11.9 | 13.0 | 13.4 | 13.2 | |||||||||||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | 1.94 | 1.84 | 2.11 | 2.00 | 1.89 | |||||||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 61.5 | 56.3 | 61.8 | 58.3 | 55.3 | |||||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | 35.5 | 34.5 | 34.7 | 37.5 | 37.5 | ||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 54.3 | 60.3 | 59.4 | 62.4 | 61.2 | |||||||||||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | ... | 7.79 | 8.74 | 8.97 | 9.33 | 9.16 | |||||||||||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | 184 | 167 | 166 | 156 | 139 | |||||||||||||||||||||||
| Loans (As % Assets) | % | ... | ... | ... | 75.5 | 75.0 | 77.2 | 78.1 | 77.5 | |||||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.7 | 19.0 | 19.2 | 19.0 | |||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 50.9 | 47.6 | 53.3 | 56.6 | |||||||||||
| valuation | ||||||||||||||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,077 | 2,077 | 2,077 | 2,077 | 2,077 | ||
| Share Price (End Of Period) | EUR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||
| Earnings Per Share (EPS) | EUR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.025 | 0.044 | -0.029 | 0.057 | 0.106 | ||
| Book Value Per Share | EUR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.58 | 2.68 | 2.68 | 2.72 | 2.70 | ||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 77.1 | -166 | -297 | 85.3 | ||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | -3.43 | 3.99 | -0.245 | 1.63 | -0.690 |
| income statement | Unit | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||||||||||||||||||||||
| Interest Income | EUR mil | ... | ... | ... | 2,922 | 2,514 | 2,407 | 2,049 | 1,726 | |||||||||||||||||||||||
| Interest Cost | EUR mil | ... | ... | ... | 1,082 | 894 | 660 | 467 | 247 | |||||||||||||||||||||||
| Net Interest Income | EUR mil | ... | ... | ... | 1,839 | 1,620 | 1,747 | 1,582 | 1,480 | |||||||||||||||||||||||
| Net Fee Income | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | 1,061 | 992 | 983 | 1,018 | 1,004 | ||||||||||||||||||
| Other Income | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | 88.5 | 263 | 99.2 | 113 | 191 | ||||||||||||||||||
| Total Revenues | EUR mil | ... | ... | ... | 2,988 | 2,875 | 2,829 | 2,713 | 2,675 | |||||||||||||||||||||||
| Staff Cost | EUR mil | ... | ... | ... | 1,022 | 1,077 | 1,033 | 1,038 | 1,020 | |||||||||||||||||||||||
| Depreciation | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 71.9 | 65.6 | 66.5 | 63.4 | 59.6 | |||||
| Other Cost | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 789 | 645 | 640 | 562 | 587 | |||||
| Operating Cost | EUR mil | ... | ... | ... | 1,883 | 1,787 | 1,740 | 1,663 | 1,667 | |||||||||||||||||||||||
| Operating Profit | EUR mil | ... | ... | ... | 1,105 | 1,088 | 1,089 | 1,050 | 1,007 | |||||||||||||||||||||||
| Provisions | EUR mil | ... | ... | ... | 784 | 876 | 1,023 | 777 | 611 | |||||||||||||||||||||||
| Extra and Other Cost | EUR mil | ... | ... | ... | 138 | 121 | 168 | 239 | 83.8 | |||||||||||||||||||||||
| Pre-Tax Profit | EUR mil | ... | ... | ... | 183 | 90.9 | -102 | 33.4 | 312 | |||||||||||||||||||||||
| Tax | EUR mil | ... | ... | ... | 131 | -1.51 | 9.47 | 15.8 | 92.9 | |||||||||||||||||||||||
| Minorities | EUR mil | ... | ... | ... | ... | -0.038 | 0.784 | 0.234 | 0.177 | 0.108 | ||||||||||||||||||||||
| Net Profit | EUR mil | ... | ... | ... | 51.7 | 91.6 | -111 | 17.4 | 219 | |||||||||||||||||||||||
| Dividends | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||||
| growth rates | ||||||||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | -3.43 | -11.9 | 7.82 | -9.43 | -6.47 | |||||||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -4.69 | -6.48 | -0.927 | 3.62 | -1.41 | ||||||||||||||||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | -6.30 | -3.78 | -1.62 | -4.09 | -1.41 | |||||||||||||||||||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | -1.33 | -5.08 | -2.68 | -4.39 | 0.250 | |||||||||||||||||||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | -13.7 | -1.56 | 0.117 | -3.61 | -4.04 | |||||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | -62.6 | -50.4 | -212 | -133 | 835 | |||||||||||||||||||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | -75.0 | 77.4 | -221 | -116 | 1,157 |
| balance sheet | Unit | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | ||||||||||||||||||||||||||||||||
| Cash | EUR mil | ... | ... | ... | 648 | 615 | 618 | 621 | 659 | |||||||||||||||||||||||
| Interbank Loans | EUR mil | ... | ... | ... | 7,941 | 8,859 | 4,711 | 3,111 | 4,185 | |||||||||||||||||||||||
| Customer Loans | EUR mil | ... | ... | ... | 68,817 | 63,738 | 61,998 | 60,523 | 61,268 | |||||||||||||||||||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 46,445 | 45,473 | 46,532 | ||
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 37,947 | ||
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8,585 | ||
| Debt Securities | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,031 | ||||||||||||||||||
| Fixed Assets | EUR mil | ... | ... | ... | 1,923 | 1,810 | 1,791 | 1,713 | 1,926 | |||||||||||||||||||||||
| Intangible Assets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 98.7 | 115 | 127 | 128 | 137 | |||||||||||||||
| Goodwill | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||||
| Total Assets | EUR mil | ... | ... | ... | 91,201 | 85,008 | 80,330 | 77,495 | 79,049 | |||||||||||||||||||||||
| Shareholders' Equity | EUR mil | ... | ... | ... | 5,358 | 5,572 | 5,558 | 5,649 | 5,610 | |||||||||||||||||||||||
| Of Which Minority Interest | EUR mil | ... | ... | ... | ... | 3.67 | 5.31 | 6.12 | 7.70 | 3.50 | ||||||||||||||||||||||
| Liabilities | EUR mil | ... | ... | ... | 85,843 | 79,436 | 74,772 | 71,846 | 73,439 | |||||||||||||||||||||||
| Interbank Borrowing | EUR mil | ... | ... | ... | 33,638 | 27,987 | 24,602 | 24,808 | 23,598 | |||||||||||||||||||||||
| Customer Deposits | EUR mil | ... | ... | ... | 37,364 | 38,053 | 37,404 | 38,710 | 43,928 | |||||||||||||||||||||||
| Sight Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 33,769 | 35,699 | 41,880 | |||||||||||||||||
| Term Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,302 | 2,334 | 1,500 | ||||||||||||||||||
| Issued Debt Securities | EUR mil | ... | ... | ... | 6,252 | 6,293 | 5,901 | 3,007 | 1,361 | |||||||||||||||||||||||
| Subordinated Debt | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Other Liabilities | EUR mil | ... | ... | ... | 8,589 | 7,103 | 6,865 | 5,321 | 4,553 | |||||||||||||||||||||||
| asset quality | ||||||||||||||||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10,156 | 12,955 | 12,927 | 13,078 | |||||||||||||||
| Gross Loans | EUR mil | ... | ... | ... | ... | ... | 68,908 | 68,168 | 67,408 | 68,672 | ||||||||||||||||||||||
| Total Provisions | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,170 | 6,170 | 6,884 | 7,405 | ||||||||||||||||
| growth rates | ||||||||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | ... | -13.2 | -7.38 | -2.73 | -2.38 | 1.23 | |||||||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -2.09 | 2.33 | ||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Total Asset Growth | % | ... | ... | ... | ... | ... | -6.88 | -6.79 | -5.50 | -3.53 | 2.01 | |||||||||||||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | ... | 5.16 | 3.99 | -0.245 | 1.63 | -0.690 | |||||||||||||||||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | ... | 3.44 | 1.84 | -1.71 | 3.49 | 13.5 |
| ratios | Unit | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | ||||||||||||||||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | 0.988 | 1.68 | -2.00 | 0.311 | 3.89 | |||||||||||||||||||||
| ROA | % | ... | ... | ... | ... | ... | 1.49 | 1.64 | 1.73 | 1.71 | 1.65 | |||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | 2.54 | 2.70 | 2.77 | 2.71 | 2.74 | |||||||||||||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | 63.0 | 62.2 | 61.5 | 61.3 | 62.3 | |||||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.0 | 11.9 | 13.0 | 13.4 | 13.2 | |||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.50 | 10.0 | 11.0 | 11.7 | 12.2 | |||||||||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | 1.94 | 1.84 | 2.11 | 2.00 | 1.89 | |||||||||||||||||||||
| Interest Spread | % | ... | ... | ... | ... | ... | 1.88 | 1.77 | 2.06 | 1.96 | 1.87 | |||||||||||||||||||||
| Asset Yield | % | ... | ... | ... | ... | ... | 3.09 | 2.85 | 2.91 | 2.60 | 2.21 | |||||||||||||||||||||
| Cost Of Liabilities | % | ... | ... | ... | ... | ... | 1.21 | 1.08 | 0.856 | 0.637 | 0.339 | |||||||||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 61.5 | 56.3 | 61.8 | 58.3 | 55.3 | |||||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | 35.5 | 34.5 | 34.7 | 37.5 | 37.5 | ||||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | 2.96 | 9.16 | 3.51 | 4.15 | 7.14 | ||||||||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | 7,911 | 8,688 | 8,142 | 7,415 | 6,856 | |||||||||||||||||||||||
| Cost Per Employee (Local Currency) | EUR per month | ... | ... | ... | 6,156 | 6,545 | 6,316 | 6,468 | 6,395 | |||||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 54.3 | 60.3 | 59.4 | 62.4 | 61.2 | |||||||||||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | ... | 7.79 | 8.74 | 8.97 | 9.33 | 9.16 | |||||||||||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | 184 | 167 | 166 | 156 | 139 | |||||||||||||||||||||||
| Loans (As % Assets) | % | ... | ... | ... | 75.5 | 75.0 | 77.2 | 78.1 | 77.5 | |||||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.7 | 19.0 | 19.2 | 19.0 | |||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 50.9 | 47.6 | 53.3 | 56.6 | |||||||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.11 | 9.95 | 11.4 | 12.1 | ||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | 1.06 | 1.32 | 1.63 | 1.27 | 1.00 |
| other data | Unit | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | ||||||||||||||||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||
| Employees | ... | ... | ... | 13,838 | 13,718 | 13,628 | 13,371 | 13,294 | ||||||||||||||||||||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 90.3 | 92.2 | 95.3 | |||||||||||||||||
| Risk-Weighted Assets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 69,106 | 55,804 | 50,468 | 42,611 | 41,815 | ||||
| Return on Loans | % | ... | ... | ... | 0.070 | 0.138 | -0.177 | 0.028 | 0.360 | |||||||||||||||||||||||
| Operating Profit (As % of Loans) | % | ... | ... | ... | ... | ... | 1.49 | 1.64 | 1.73 | 1.71 | 1.65 | |||||||||||||||||||||
| Costs (As % Of Loans) | % | ... | ... | ... | ... | ... | 2.54 | 2.70 | 2.77 | 2.71 | 2.74 | |||||||||||||||||||||
| Equity (As % Of Loans) | % | ... | ... | ... | 7.79 | 8.74 | 8.97 | 9.33 | 9.16 |
Get all company financials in excel:
By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro's capital adequacy ratio reached 12.9% at the end of 2018, up from 12.5% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 13.4% in 2015 and an all time low of 7.26% in 1997. The Tier 1 ra...
By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro made a net profit of EUR 312 mil under revenues of EUR 2,637 mil in 2018, up 101.59553533985% and 3.513827598662% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 476 mil in 2000 an...
By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro's non-performing loans reached 12.9% of total loans at the end of 2018, down from 16.8% compared to the previous year. Historically, the NPL ratio hit an all time high of 19.2% in 2015 and an all time low of 3.29% in 2002. Provisi...
By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro made a net profit of EUR 312 mil under revenues of EUR 2,637 mil in 2018, up 101.59553533985% and 3.513827598662% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 476 mil in 2000 an...
By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro's non-performing loans reached 12.9% of total loans at the end of 2018, down from 16.8% compared to the previous year. Historically, the NPL ratio hit an all time high of 19.2% in 2015 and an all time low of 3.29% in 2002. Provisi...
By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro's customer loan growth reached 6.74% in 2018, up from -0.070% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 31.5% in 1990 and an all time low of -13.2% in 2012. In the last deca...
By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro's customer loan growth reached 6.74% in 2018, up from -0.070% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 31.5% in 1990 and an all time low of -13.2% in 2012. In the last deca...
By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro made a net profit of EUR 182 mil under revenues of EUR 822 mil in the first quarter of 2007, down 0% and 0% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of EUR...
By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro made a net profit of EUR 182 mil under revenues of EUR 822 mil in the first quarter of 2007, down 0% and 0% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of EUR...
By Helgi Library - February 19, 2020
Banca Nazionale del Lavoro stock traded at EUR 2.92 per share at the end of first quarter of 2007 implying a market capitalization of USD 10,956 mil. Over the last five years, the stock has appreciated by 20.9 implying an annual average growth of 3.87% In...
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