By Helgi Library - February 19, 2020
Banco BPM's non-performing loans reached 9.11% of total loans at the end of 2019-12-31, down from 11.4% compared to the previous ...
By Helgi Library - February 19, 2020
Banco BPM's non-performing loans reached 9.11% of total loans at the end of 2019-12-31, down from 11.4% compared to the previous ...
By Helgi Library - February 19, 2020
Banco BPM's capital adequacy ratio reached 17.5% at the end of fourth quarter of 2019, up from 16.3% when compared to the previou...
| Profit Statement | 2017 | 2018 | 2019 | |
| Net Interest Income | EUR mil | 2,029 | 2,345 | 1,998 |
| Net Fee Income | EUR mil | 1,950 | 1,849 | ... |
| Other Income | EUR mil | 3,351 | 575 | ... |
| Total Revenues | EUR mil | 7,331 | 4,768 | 4,162 |
| Staff Cost | EUR mil | 1,775 | 1,729 | 1,697 |
| Operating Profit | EUR mil | -148 | 1,547 | 1,577 |
| Provisions | EUR mil | 1,299 | 1,941 | 779 |
| Net Profit | EUR mil | -73.8 | 376 | 661 |
| Balance Sheet | 2017 | 2018 | 2019 | |
| Interbank Loans | EUR mil | 11,529 | 10,611 | 10,044 |
| Customer Loans | EUR mil | 101,812 | 96,353 | 105,845 |
| Total Assets | EUR mil | 161,207 | 160,465 | 167,038 |
| Shareholders' Equity | EUR mil | 11,964 | 10,305 | 11,887 |
| Interbank Borrowing | EUR mil | 39,322 | 45,246 | 28,516 |
| Customer Deposits | EUR mil | 83,668 | 83,088 | 109,506 |
| Issued Debt Securities | EUR mil | 16,248 | 14,329 | 733 |
| Ratios | 2017 | 2018 | 2019 | |
| ROE | % | -0.616 | 3.37 | 5.96 |
| ROA | % | -0.140 | 1.56 | 1.56 |
| Costs (As % Of Assets) | % | 7.04 | 3.25 | 2.56 |
| Costs (As % Of Income) | % | 102 | 67.5 | 62.1 |
| Capital Adequacy Ratio | % | 15.2 | 14.7 | 17.5 |
| Net Interest Margin | % | 1.23 | 1.46 | 1.22 |
| Loans (As % Of Deposits) | % | 122 | 116 | 96.7 |
| NPLs (As % Of Loans) | % | 22.2 | 11.4 | 9.11 |
| Provisions (As % Of NPLs) | % | 50.1 | 58.3 | 48.3 |
| Valuation | 2017 | 2018 | 2019 | |
| Price/Earnings (P/E) | ... | 7.91 | 4.65 | |
| Price/Book Value (P/BV) | 0.332 | 0.289 | 0.258 | |
| Dividend Yield | % | 0 | 0 | 3.94 |
| Earnings Per Share (EPS) | EUR | -0.049 | 0.249 | 0.436 |
| Book Value Per Share | EUR | 7.90 | 6.82 | 7.85 |
| Dividend Per Share | EUR | 0 | 0 | 0.080 |
Get all company financials in excel:
| summary | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||
| Net Interest Income | EUR mil | 1,683 | 1,588 | 2,421 | 2,108 | 2,029 | |||||||||
| Total Revenues | EUR mil | 3,758 | 3,482 | 5,671 | 4,478 | 7,331 | |||||||||
| Operating Profit | EUR mil | 1,164 | 1,161 | 1,868 | 1,267 | -148 | |||||||||
| Net Profit | EUR mil | -479 | -1,554 | 732 | -921 | -73.8 | |||||||||
| balance sheet | |||||||||||||||
| Interbank Loans | EUR mil | 11,636 | 12,262 | 5,037 | 6,678 | 11,529 | |||||||||
| Customer Loans | EUR mil | 78,267 | 72,620 | 112,536 | 110,551 | 101,812 | |||||||||
| Debt Securities | EUR mil | 20,139 | 22,567 | 38,001 | 36,580 | 31,725 | |||||||||
| Total Assets | EUR mil | 125,402 | 123,082 | 171,415 | 168,255 | 161,207 | |||||||||
| Shareholders' Equity | EUR mil | 8,523 | 8,076 | 14,159 | 11,999 | 11,964 | |||||||||
| Interbank Borrowing | EUR mil | 23,901 | 26,056 | 29,854 | 23,276 | 39,322 | |||||||||
| Customer Deposits | EUR mil | 41,219 | 46,107 | 82,093 | 116,773 | 83,668 | |||||||||
| Issued Debt Securities | EUR mil | 20,358 | 16,710 | 25,194 | ... | 16,248 | |||||||||
| ratios | |||||||||||||||
| ROE | % | ... | -5.47 | -18.7 | 6.58 | -7.04 | -0.616 | ||||||||
| ROA | % | ... | 1.44 | 1.54 | 2.02 | 1.14 | -0.140 | ||||||||
| Costs (As % Of Assets) | % | ... | 3.22 | 3.08 | 4.11 | 2.88 | 7.04 | ||||||||
| Costs (As % Of Income) | % | 69.0 | 66.6 | 67.1 | 71.7 | 102 | |||||||||
| Capital Adequacy Ratio | % | ... | 13.3 | 14.6 | 15.9 | ... | 15.2 | ||||||||
| Net Interest Margin | % | ... | 1.31 | 1.28 | 1.64 | 1.24 | 1.23 | ||||||||
| Interest Income (As % Of Revenues) | % | 44.8 | 45.6 | 42.7 | 47.1 | 27.7 | |||||||||
| Fee Income (As % Of Revenues) | % | 36.9 | 39.6 | 35.8 | ... | 26.6 | ... | ||||||||
| Staff Cost (As % Of Total Cost) | % | 55.3 | 61.1 | 53.5 | 69.9 | 23.7 | |||||||||
| Equity (As % Of Assets) | % | 10.9 | 11.1 | 12.6 | 10.9 | 11.8 | |||||||||
| Loans (As % Of Deposits) | % | 190 | 158 | 137 | 94.7 | 122 | |||||||||
| Loans (As % Assets) | % | 62.4 | 59.0 | 65.7 | 65.7 | 63.2 | |||||||||
| NPLs (As % Of Loans) | % | ... | 23.0 | 23.9 | ... | 21.5 | 22.2 | ||||||||
| Provisions (As % Of NPLs) | % | ... | 28.2 | 40.7 | ... | 39.0 | 50.1 | ||||||||
| valuation | |||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | 3,387 | 4,407 | 10,941 | 3,663 | 4,758 | ||||||||
| Number Of Shares (Average) | mil | ... | 314 | 403 | ... | 1,515 | 1,515 | ||||||||
| Share Price (End Of Period) | EUR | ... | 7.83 | 7.46 | 9.50 | 2.29 | 2.62 | ||||||||
| Earnings Per Share (EPS) | EUR | ... | -1.52 | -3.85 | ... | -0.608 | -0.049 | ||||||||
| Book Value Per Share | EUR | ... | 27.1 | 20.0 | ... | 7.92 | 7.90 | ||||||||
| Dividend Per Share | EUR | 0 | 0 | 0 | 0 | 0 | |||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | |||||||
| Price/Book Value (P/BV) | ... | 0.288 | 0.373 | ... | 0.289 | 0.332 | |||||||||
| Dividend Yield | % | ... | 0 | 0 | 0 | 0 | 0 | ||||||||
| Earnings Per Share Growth | % | ... | ... | -8.50 | 153 | ... | ... | -92.0 | |||||||
| Book Value Per Share Growth | % | ... | -5.10 | -26.2 | 52.4 | -12.9 | -0.255 |
| income statement | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||
| Interest Income | EUR mil | 3,611 | 3,295 | 3,971 | ... | 2,952 | ... | ||||||||
| Interest Cost | EUR mil | 1,929 | 1,707 | 1,550 | ... | 923 | ... | ||||||||
| Net Interest Income | EUR mil | 1,683 | 1,588 | 2,421 | 2,108 | 2,029 | |||||||||
| Net Fee Income | EUR mil | 1,387 | 1,380 | 2,031 | ... | 1,950 | ... | ||||||||
| Other Income | EUR mil | 689 | 514 | 1,218 | ... | 3,351 | ... | ||||||||
| Total Revenues | EUR mil | 3,758 | 3,482 | 5,671 | 4,478 | 7,331 | |||||||||
| Staff Cost | EUR mil | 1,435 | 1,419 | 2,036 | 2,245 | 1,775 | |||||||||
| Depreciation | EUR mil | ... | ... | ... | ... | ... | 76.2 | ... | ... | 113 | ... | ||||
| Other Cost | EUR mil | ... | ... | ... | ... | ... | 826 | ... | ... | 5,591 | ... | ||||
| Operating Cost | EUR mil | 2,594 | 2,320 | 3,803 | 3,211 | 7,479 | |||||||||
| Operating Profit | EUR mil | 1,164 | 1,161 | 1,868 | 1,267 | -148 | |||||||||
| Provisions | EUR mil | 1,663 | 3,476 | 1,219 | 2,958 | 1,299 | |||||||||
| Extra and Other Cost | EUR mil | 44.4 | 4.79 | -63.1 | -312 | -41.4 | |||||||||
| Pre-Tax Profit | EUR mil | -544 | -2,319 | 713 | -1,380 | -1,406 | |||||||||
| Tax | EUR mil | -51.3 | -727 | -4.60 | -440 | -1,322 | |||||||||
| Minorities | EUR mil | -13.7 | -38.7 | -14.9 | -19.4 | -9.66 | |||||||||
| Net Profit | EUR mil | -479 | -1,554 | 732 | -921 | -73.8 | |||||||||
| Dividends | EUR mil | ... | 0 | 0 | 0 | 0 | 0 | ||||||||
| growth rates | |||||||||||||||
| Net Interest Income Growth | % | ... | -6.03 | -5.60 | 52.4 | -12.9 | -3.74 | ||||||||
| Net Fee Income Growth | % | ... | 1.67 | -0.529 | 47.2 | ... | ... | ... | |||||||
| Total Revenue Growth | % | ... | -4.82 | -7.35 | 62.9 | -21.0 | 63.7 | ||||||||
| Operating Cost Growth | % | ... | 8.32 | -10.6 | 63.9 | -15.5 | 133 | ||||||||
| Operating Profit Growth | % | ... | -25.1 | -0.212 | 60.9 | -32.2 | -112 | ||||||||
| Pre-Tax Profit Growth | % | ... | 62.7 | 326 | -131 | -294 | 1.88 | ||||||||
| Net Profit Growth | % | ... | -8.50 | 224 | -147 | -226 | -92.0 |
| balance sheet | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| balance sheet | |||||||||||||||
| Cash | EUR mil | 640 | 620 | 888 | 898 | 977 | |||||||||
| Interbank Loans | EUR mil | 11,636 | 12,262 | 5,037 | 6,678 | 11,529 | |||||||||
| Customer Loans | EUR mil | 78,267 | 72,620 | 112,536 | 110,551 | 101,812 | |||||||||
| Retail Loans | EUR mil | ... | ... | ... | 54,560 | 50,206 | ... | ... | 78,095 | ... | |||||
| Mortgage Loans | EUR mil | ... | ... | ... | 40,434 | 38,353 | ... | ... | 62,664 | ... | |||||
| Consumer Loans | EUR mil | ... | ... | ... | 14,126 | 11,852 | ... | ... | 15,431 | ... | |||||
| Debt Securities | EUR mil | 20,139 | 22,567 | 38,001 | 36,580 | 31,725 | |||||||||
| Fixed Assets | EUR mil | 2,052 | 2,140 | 2,853 | 2,696 | 2,735 | |||||||||
| Intangible Assets | EUR mil | 2,299 | 2,050 | 2,179 | 1,834 | 1,297 | |||||||||
| Goodwill | EUR mil | ... | 1,589 | 1,389 | 1,389 | ... | 76.4 | ... | |||||||
| Total Assets | EUR mil | 125,402 | 123,082 | 171,415 | 168,255 | 161,207 | |||||||||
| Shareholders' Equity | EUR mil | 8,523 | 8,076 | 14,159 | 11,999 | 11,964 | |||||||||
| Of Which Minority Interest | EUR mil | 349 | 12.1 | 65.7 | 58.2 | 63.3 | |||||||||
| Liabilities | EUR mil | 116,879 | 115,005 | 157,256 | 156,256 | 149,243 | |||||||||
| Interbank Borrowing | EUR mil | 23,901 | 26,056 | 29,854 | 23,276 | 39,322 | |||||||||
| Customer Deposits | EUR mil | 41,219 | 46,107 | 82,093 | 116,773 | 83,668 | |||||||||
| Sight Deposits | EUR mil | ... | 37,045 | 40,806 | ... | ... | 77,391 | ... | |||||||
| Term Deposits | EUR mil | ... | 2,619 | 3,732 | ... | ... | 3,598 | ... | |||||||
| Issued Debt Securities | EUR mil | 20,358 | 16,710 | 25,194 | ... | 16,248 | |||||||||
| Other Liabilities | EUR mil | 31,400 | 26,133 | 20,116 | ... | 10,006 | |||||||||
| asset quality | |||||||||||||||
| Non-Performing Loans | EUR mil | ... | 19,243 | 19,248 | 18,334 | 25,915 | 25,435 | ||||||||
| Gross Loans | EUR mil | ... | 83,700 | 80,458 | ... | 120,669 | 114,554 | ||||||||
| Total Provisions | EUR mil | ... | 5,434 | 7,838 | ... | 10,118 | 12,742 | ||||||||
| growth rates | |||||||||||||||
| Customer Loan Growth | % | ... | -5.72 | -7.21 | 55.0 | -1.76 | -7.90 | ||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | -6.34 | -7.98 | ... | ... | ... | ... | ||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | -6.02 | -5.15 | ... | ... | ... | ... | ||||
| Consumer Loan Growth | % | ... | ... | ... | ... | -7.24 | -16.1 | ... | ... | ... | ... | ||||
| Total Asset Growth | % | ... | -4.94 | -1.85 | 39.3 | -1.84 | -4.19 | ||||||||
| Shareholders' Equity Growth | % | ... | -5.10 | -5.24 | 75.3 | -15.3 | -0.297 | ||||||||
| Customer Deposit Growth | % | ... | 1.64 | 11.9 | 78.1 | 42.2 | -28.3 |
| ratios | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| ratios | |||||||||||||||
| ROE | % | ... | -5.47 | -18.7 | 6.58 | -7.04 | -0.616 | ||||||||
| ROA | % | ... | 1.44 | 1.54 | 2.02 | 1.14 | -0.140 | ||||||||
| Costs (As % Of Assets) | % | ... | 3.22 | 3.08 | 4.11 | 2.88 | 7.04 | ||||||||
| Costs (As % Of Income) | % | 69.0 | 66.6 | 67.1 | 71.7 | 102 | |||||||||
| Capital Adequacy Ratio | % | ... | 13.3 | 14.6 | 15.9 | ... | 15.2 | ||||||||
| Tier 1 Ratio | % | ... | 10.6 | 12.3 | 13.2 | ... | 12.7 | ||||||||
| Net Interest Margin | % | ... | 1.31 | 1.28 | 1.64 | 1.24 | 1.23 | ||||||||
| Interest Spread | % | ... | 1.20 | 1.18 | 1.56 | ... | 1.19 | ... | |||||||
| Asset Yield | % | ... | 2.81 | 2.65 | 2.70 | 1.24 | 1.79 | ||||||||
| Cost Of Liabilities | % | ... | 1.61 | 1.47 | 1.14 | ... | 0.604 | ... | |||||||
| Payout Ratio | % | ... | 0 | 0 | 0 | 0 | 0 | ||||||||
| Interest Income (As % Of Revenues) | % | 44.8 | 45.6 | 42.7 | 47.1 | 27.7 | |||||||||
| Fee Income (As % Of Revenues) | % | 36.9 | 39.6 | 35.8 | ... | 26.6 | ... | ||||||||
| Other Income (As % Of Revenues) | % | 18.3 | 14.8 | 21.5 | ... | 45.7 | ... | ||||||||
| Cost Per Employee | USD per month | 9,238 | 13,319 | ... | 8,246 | 7,140 | |||||||||
| Cost Per Employee (Local Currency) | EUR per month | 6,959 | 10,333 | ... | 7,691 | 6,359 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 55.3 | 61.1 | 53.5 | 69.9 | 23.7 | |||||||||
| Equity (As % Of Assets) | % | 10.9 | 11.1 | 12.6 | 10.9 | 11.8 | |||||||||
| Loans (As % Of Deposits) | % | 190 | 158 | 137 | 94.7 | 122 | |||||||||
| Loans (As % Assets) | % | 62.4 | 59.0 | 65.7 | 65.7 | 63.2 | |||||||||
| NPLs (As % Of Loans) | % | ... | 23.0 | 23.9 | ... | 21.5 | 22.2 | ||||||||
| Provisions (As % Of NPLs) | % | ... | 28.2 | 40.7 | ... | 39.0 | 50.1 | ||||||||
| Provisions (As % Of Loans) | % | ... | 6.94 | 10.8 | ... | 9.15 | 12.5 | ||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 2.06 | 4.61 | 1.32 | 2.65 | 1.22 |
| other data | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| other data | |||||||||||||||
| Branches | 1,990 | 1,812 | 1,813 | 2,295 | 2,320 | ||||||||||
| Employees | 17,179 | 11,441 | ... | 24,330 | 23,263 | ||||||||||
| Sight (As % Of Customer Deposits) | % | ... | 89.9 | 88.5 | ... | ... | 92.5 | ... | |||||||
| Risk-Weighted Assets | EUR mil | ... | 49,319 | 47,987 | 44,744 | 74,600 | 75,896 | ||||||||
| Return on Loans | % | -0.594 | -2.06 | 0.791 | -0.826 | -0.069 | |||||||||
| Operating Profit (As % of Loans) | % | ... | 1.44 | 1.54 | 2.02 | 1.14 | -0.140 | ||||||||
| Costs (As % Of Loans) | % | ... | 3.22 | 3.08 | 4.11 | 2.88 | 7.04 | ||||||||
| Equity (As % Of Loans) | % | 10.9 | 11.1 | 12.6 | 10.9 | 11.8 |
Get all company financials in excel:
By Helgi Library - February 19, 2020
Banco BPM's capital adequacy ratio reached 17.5% at the end of fourth quarter of 2019, up from 16.3% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 18.1% in 2Q2016 and an all time low of 8.73% in 4Q2007. ...
By Helgi Library - February 19, 2020
Banco BPM made a net profit of EUR 192 mil in the fourth quarter of 2019, up 96.7% when compared to the same period of last year. This implies a return on equity of 6.55%. Historically, the bank’s net profit reached an all time high of EUR 860 mil in 4Q2017 and a...
By Helgi Library - February 19, 2020
Banco BPM made a net profit of EUR 192 mil in the fourth quarter of 2019, up 96.7% when compared to the same period of last year. This implies a return on equity of 6.55%. Historically, the bank’s net profit reached an all time high of EUR 860 mil in 4Q2017 and a...
By Helgi Library - February 19, 2020
Banco BPM stock traded at EUR 2.03 per share at the end fourth quarter of 2019 implying a market capitalization of USD 3,450 mil. Since the end of 4Q2014, the stock has depreciated by -72.8 % implying an annual average growth of -22.9 %. In absolute terms, the value o...
By Helgi Library - February 19, 2020
Banco BPM stock traded at EUR 2.03 per share at the end fourth quarter of 2019 implying a market capitalization of USD 3,450 mil. Since the end of 4Q2014, the stock has depreciated by -72.8 % implying an annual average growth of -22.9 %. In absolute terms, the value o...
By Helgi Library - February 19, 2020
Banco BPM employed 21,941 persons in 2019-12-31, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 24,330 persons in 2016-12-31 and an all time low of 15,783 in 2015-12-31. Average cost reached USD 7,343 per mon...
By Helgi Library - February 19, 2020
Banco BPM employed 21,941 persons in 2019-12-31, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 24,330 persons in 2016-12-31 and an all time low of 15,783 in 2015-12-31. Average cost reached USD 7,343 per mon...
By Helgi Library - February 19, 2020
Banco BPM stock traded at EUR 2.03 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 3,450 mil. Over the last five years, the stock has depreciated by 72.8 implying an annual average growth of -22.9% In absolute terms,...
By Helgi Library - February 19, 2020
Banco BPM stock traded at EUR 2.03 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 3,450 mil. Over the last five years, the stock has depreciated by 72.8 implying an annual average growth of -22.9% In absolute terms,...
By Helgi Library - February 19, 2020
Banco BPM's Equity reached of total assets in the 4Q2019, up from 6.13% for the previous year. As a share of net customer loans, the ratio amounted to at the end of the fourth quarter of 2019. ...
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