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Banca Popolare di Sondrio

Created with Highcharts 6.0.4Sales and Profits (EUR mil)Total RevenuesNet Profit200020012002200320042005200620072008200920102011201220132014201520162017201820190500100015000100200300

Banca Popolare di Sondrio's capital adequacy ratio rose 36.7% yoy to 18.6% in 4Q2019

By Helgi Library - February 19, 2020

Banca Popolare di Sondrio's capital adequacy ratio reached 18.6% at the end of fourth quarter of 2019, up from 18.4% when compare...

Banca Popolare di Sondrio's capital adequacy ratio rose 36.7% yoy to 18.6% in 4Q2019

By Helgi Library - February 19, 2020

Banca Popolare di Sondrio's capital adequacy ratio reached 18.6% at the end of fourth quarter of 2019, up from 18.4% when compare...

Banca Popolare di Sondrio's net interest margin fell 27.5% yoy to 1.13% in 4Q2019

By Helgi Library - February 19, 2020

Banca Popolare di Sondrio's net interest margin amounted to 1.13% in the fourth quarter of 2019, up from 1.03% when compared to ...

Profit Statement 2017 2018 2019
Net Interest Income EUR mil 495 537 464
Net Fee Income EUR mil 305 316 322
Other Income EUR mil 210 99.8 213
Total Revenues EUR mil 1,011 953 999
Staff Cost EUR mil 245 241 254
Operating Profit EUR mil 498 385 405
Provisions EUR mil 235 241 214
Net Profit EUR mil 185 111 138
Balance Sheet 2017 2018 2019
Interbank Loans EUR mil 3,142 2,525 1,067
Customer Loans EUR mil 24,534 30,349 33,133
Total Assets EUR mil 41,625 41,128 41,146
Shareholders' Equity EUR mil 2,770 2,744 2,937
Interbank Borrowing EUR mil 6,562 6,166 4,395
Customer Deposits EUR mil 28,444 28,630 29,817
Issued Debt Securities EUR mil 2,833 2,432 2,805
Ratios 2017 2018 2019
ROE % 6.81 4.03 4.85
ROA % 2.02 1.40 1.28
Costs (As % Of Assets) % 2.09 2.07 1.87
Costs (As % Of Income) % 50.8 59.6 59.4
Capital Adequacy Ratio % 13.7 13.6 18.6
Net Interest Margin % 1.26 1.30 1.13
Loans (As % Of Deposits) % 86.3 106 111
NPLs (As % Of Loans) % 15.8 12.7 ...
Provisions (As % Of NPLs) % 52.4 58.5 ...
Valuation 2017 2018 2019
Price/Earnings (P/E) 7.45 10.7 6.95
Price/Book Value (P/BV) 0.498 0.435 0.326
Dividend Yield % 2.30 1.90 2.37
Earnings Per Share (EPS) EUR 0.408 0.245 0.304
Book Value Per Share EUR 6.11 6.05 6.47
Dividend Per Share EUR 0.070 0.050 0.050

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