By Helgi Library - December 21, 2019
Credit Agricole made a net profit of EUR 1,222 mil under revenues of EUR 5,144 mil in the second quarter of 2019, down 14.9% and ...
By Helgi Library - December 21, 2019
Credit Agricole made a net profit of EUR 1,222 mil under revenues of EUR 5,144 mil in the second quarter of 2019, down 14.9% and ...
By Helgi Library - December 21, 2019
Credit Agricole stock traded at 10.5 per share at the end second quarter of 2019 implying a market capitalization of USD 34,370 mil. Si...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | EUR mil | 12,430 | 12,904 | 12,655 |
| Net Fee Income | EUR mil | 2,846 | 3,805 | 4,159 |
| Other Income | EUR mil | 7,247 | 7,936 | 9,344 |
| Total Revenues | EUR mil | 22,523 | 24,645 | 26,158 |
| Operating Profit | EUR mil | 11,280 | 12,747 | 14,931 |
| Provisions | EUR mil | 1,787 | 1,422 | 1,081 |
| Net Profit | EUR mil | 3,540 | 3,649 | 4,400 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | EUR mil | 458,317 | 490,126 | 523,371 |
| Customer Loans | EUR mil | 342,794 | 356,963 | 366,480 |
| Total Assets | EUR mil | 1,524,230 | 1,550,280 | 1,624,390 |
| Shareholders' Equity | EUR mil | 63,937 | 64,706 | 65,516 |
| Interbank Borrowing | EUR mil | 200,225 | 232,102 | 235,102 |
| Customer Deposits | EUR mil | 517,162 | 549,040 | 596,330 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 5.74 | 5.67 | 6.76 |
| ROA | % | 0.232 | 0.237 | 0.277 |
| Costs (As % Of Assets) | % | 0.736 | 0.774 | 0.707 |
| Costs (As % Of Income) | % | 49.9 | 48.3 | 42.9 |
| Capital Adequacy Ratio | % | 20.1 | 18.3 | 17.8 |
| Net Interest Margin | % | 0.814 | 0.839 | 0.797 |
| Loans (As % Of Deposits) | % | 66.3 | 65.0 | 61.5 |
| NPLs (As % Of Loans) | % | 4.41 | 4.28 | 3.58 |
| Provisions (As % Of NPLs) | % | 69.3 | 63.6 | 71.0 |
| Valuation | 2016 | 2017 | 2018 | |
| Price/Earnings (P/E) | 9.46 | 10.8 | 6.13 | |
| Price/Book Value (P/BV) | 0.524 | 0.607 | 0.412 | |
| Dividend Yield | % | 5.09 | 4.57 | 7.32 |
| Earnings Per Share (EPS) | 1.29 | 1.28 | 1.54 | |
| Book Value Per Share | 23.4 | 22.8 | 23.0 | |
| Dividend Per Share | 0.623 | 0.630 | 0.692 | |
Get all company financials in excel:
| summary | Unit | 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 | 14,947 | 13,120 | 11,911 | 12,072 | 12,430 | ||||||||||||||||
| Total Revenues | EUR mil | 21,803 | 21,568 | 21,536 | 22,132 | 22,523 | ||||||||||||||||
| Operating Profit | EUR mil | 10,475 | 9,868 | 11,593 | 10,312 | 11,280 | ||||||||||||||||
| Net Profit | EUR mil | -6,389 | 2,510 | 2,344 | 3,516 | 3,540 | ||||||||||||||||
| balance sheet | ||||||||||||||||||||||
| Interbank Loans | EUR mil | 484,927 | 456,853 | 455,295 | 453,069 | 458,317 | ||||||||||||||||
| Customer Loans | EUR mil | 313,038 | 301,388 | 311,987 | 326,469 | 342,794 | ||||||||||||||||
| Debt Securities | EUR mil | 397,054 | 406,778 | 441,916 | 430,945 | 440,839 | ||||||||||||||||
| Total Assets | EUR mil | 1,617,430 | 1,518,810 | 1,589,040 | 1,529,290 | 1,524,230 | ||||||||||||||||
| Shareholders' Equity | EUR mil | 45,679 | 47,883 | 56,161 | 59,435 | 63,937 | ||||||||||||||||
| Interbank Borrowing | EUR mil | 357,955 | 304,087 | 283,240 | 232,201 | 200,225 | ||||||||||||||||
| Customer Deposits | EUR mil | 462,162 | 466,048 | 464,384 | 501,882 | 517,162 | ||||||||||||||||
| ratios | ||||||||||||||||||||||
| ROE | % | -13.5 | 5.37 | 4.51 | 6.08 | 5.74 | ||||||||||||||||
| ROA | % | -0.382 | 0.160 | 0.151 | 0.226 | 0.232 | ||||||||||||||||
| Costs (As % Of Assets) | % | 0.678 | 0.746 | 0.640 | 0.758 | 0.736 | ||||||||||||||||
| Costs (As % Of Income) | % | 52.0 | 54.2 | 46.2 | 53.4 | 49.9 | ||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 13.2 | 15.8 | 19.6 | 20.3 | 20.1 | |||||||||||||
| Net Interest Margin | % | 0.895 | 0.837 | 0.767 | 0.774 | 0.814 | ||||||||||||||||
| Interest Income (As % Of Revenues) | % | 68.6 | 60.8 | 55.3 | 54.5 | 55.2 | ||||||||||||||||
| Fee Income (As % Of Revenues) | % | 10.9 | 11.4 | 13.0 | 13.2 | 12.6 | ||||||||||||||||
| Equity (As % Of Assets) | % | 2.82 | 3.15 | 3.53 | 3.89 | 4.19 | ||||||||||||||||
| Loans (As % Of Deposits) | % | 67.7 | 64.7 | 67.2 | 65.0 | 66.3 | ||||||||||||||||
| Loans (As % Assets) | % | 19.4 | 19.8 | 19.6 | 21.3 | 22.5 | ||||||||||||||||
| NPLs (As % Of Loans) | % | ... | 5.33 | 5.42 | 5.05 | 4.38 | 4.41 | |||||||||||||||
| Provisions (As % Of NPLs) | % | ... | 70.6 | 66.4 | 67.5 | 72.7 | 69.3 | |||||||||||||||
| valuation | ||||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | 19,997 | 32,012 | 33,490 | 31,215 | 35,370 | ||||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | 2,476 | 2,483 | 2,540 | 2,609 | 2,737 | ||||||||||||
| Share Price (End Of Period) | ... | ... | ... | ... | 6.12 | 9.35 | 10.9 | 11.0 | 12.2 | |||||||||||||
| Earnings Per Share (EPS) | ... | ... | ... | ... | -2.58 | 1.01 | 0.923 | 1.35 | 1.29 | |||||||||||||
| Book Value Per Share | ... | ... | ... | ... | 18.4 | 19.3 | 22.1 | 22.8 | 23.4 | |||||||||||||
| Dividend Per Share | ... | ... | ... | ... | 0 | 0.352 | 0.354 | 0.606 | 0.623 | |||||||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | 9.25 | 11.8 | 8.15 | 9.46 | ||||||||||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | 0.332 | 0.485 | 0.493 | 0.482 | 0.524 | |||||||||||||
| Dividend Yield | % | ... | ... | ... | ... | 0 | 3.76 | 3.25 | 5.51 | 5.09 | ||||||||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | 327 | -139 | -8.70 | 46.0 | -4.01 | |||||||||||
| Book Value Per Share Growth | % | ... | -8.88 | 4.52 | 14.7 | 3.03 | 2.56 |
| income statement | Unit | 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 | 32,563 | 29,034 | 27,443 | 26,783 | 25,741 | ||||||||||||||||
| Interest Cost | EUR mil | 17,616 | 15,914 | 15,532 | 14,711 | 13,311 | ||||||||||||||||
| Net Interest Income | EUR mil | 14,947 | 13,120 | 11,911 | 12,072 | 12,430 | ||||||||||||||||
| Net Fee Income | EUR mil | 2,378 | 2,465 | 2,806 | 2,919 | 2,846 | ||||||||||||||||
| Other Income | EUR mil | 4,478 | 5,983 | 6,819 | 7,141 | 7,247 | ||||||||||||||||
| Total Revenues | EUR mil | 21,803 | 21,568 | 21,536 | 22,132 | 22,523 | ||||||||||||||||
| Operating Cost | EUR mil | 11,328 | 11,700 | 9,943 | 11,820 | 11,244 | ||||||||||||||||
| Operating Profit | EUR mil | 10,475 | 9,868 | 11,593 | 10,312 | 11,280 | ||||||||||||||||
| Provisions | EUR mil | 3,703 | 2,894 | 2,204 | 2,293 | 1,787 | ||||||||||||||||
| Extra and Other Cost | EUR mil | 8,492 | 4,047 | 6,154 | 4,208 | 6,146 | ||||||||||||||||
| Pre-Tax Profit | EUR mil | -1,720 | 2,927 | 3,235 | 3,811 | 3,347 | ||||||||||||||||
| Tax | EUR mil | 391 | 98.0 | 470 | 898 | 695 | ||||||||||||||||
| Minorities | EUR mil | -42.0 | 375 | 416 | 455 | 415 | ||||||||||||||||
| Net Profit | EUR mil | -6,389 | 2,510 | 2,344 | 3,516 | 3,540 | ||||||||||||||||
| Dividends | EUR mil | ... | ... | 0 | 873 | 900 | 1,581 | 1,706 | ||||||||||||||
| growth rates | ||||||||||||||||||||||
| Net Interest Income Growth | % | ... | -0.691 | -12.2 | -9.21 | 1.35 | 2.97 | |||||||||||||||
| Net Fee Income Growth | % | ... | -41.0 | 3.66 | 13.8 | 4.03 | -2.50 | |||||||||||||||
| Total Revenue Growth | % | ... | -11.5 | -1.08 | -0.148 | 2.77 | 1.77 | |||||||||||||||
| Operating Cost Growth | % | ... | 12.3 | 3.29 | -15.0 | 18.9 | -4.88 | |||||||||||||||
| Operating Profit Growth | % | ... | -28.1 | -5.80 | 17.5 | -11.0 | 9.38 | |||||||||||||||
| Pre-Tax Profit Growth | % | ... | -224 | -270 | 10.5 | 17.8 | -12.2 | |||||||||||||||
| Net Profit Growth | % | ... | 335 | -139 | -6.61 | 50.0 | 0.683 |
| balance sheet | Unit | 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 | 42,714 | 68,151 | 55,036 | 36,176 | 28,202 | ||||||||||||||||
| Interbank Loans | EUR mil | 484,927 | 456,853 | 455,295 | 453,069 | 458,317 | ||||||||||||||||
| Customer Loans | EUR mil | 313,038 | 301,388 | 311,987 | 326,469 | 342,794 | ||||||||||||||||
| Debt Securities | EUR mil | 397,054 | 406,778 | 441,916 | 430,945 | 440,839 | ||||||||||||||||
| Fixed Assets | EUR mil | 20,200 | 18,793 | 18,839 | 19,056 | 18,597 | ||||||||||||||||
| Total Assets | EUR mil | 1,617,430 | 1,518,810 | 1,589,040 | 1,529,290 | 1,524,230 | ||||||||||||||||
| Shareholders' Equity | EUR mil | 45,679 | 47,883 | 56,161 | 59,435 | 63,937 | ||||||||||||||||
| Of Which Minority Interest | EUR mil | 5,505 | 5,595 | 6,054 | 5,622 | 5,661 | ||||||||||||||||
| Liabilities | EUR mil | 1,571,750 | 1,470,930 | 1,532,880 | 1,469,860 | 1,460,300 | ||||||||||||||||
| Interbank Borrowing | EUR mil | 357,955 | 304,087 | 283,240 | 232,201 | 200,225 | ||||||||||||||||
| Customer Deposits | EUR mil | 462,162 | 466,048 | 464,384 | 501,882 | 517,162 | ||||||||||||||||
| Sight Deposits | EUR mil | ... | ... | ... | ... | ... | 124,826 | 145,384 | 160,278 | |||||||||||||
| Term Deposits | EUR mil | ... | ... | ... | ... | ... | 339,558 | 356,498 | 356,884 | |||||||||||||
| asset quality | ||||||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | 17,349 | 16,936 | 16,322 | 14,769 | 15,591 | |||||||||||||||
| Gross Loans | EUR mil | 325,294 | 312,630 | 323,012 | 337,211 | 353,599 | ||||||||||||||||
| Provisions | EUR mil | 3,703 | 2,894 | 2,204 | 2,293 | 1,787 | ||||||||||||||||
| growth rates | ||||||||||||||||||||||
| Customer Loan Growth | % | ... | -9.54 | -3.72 | 3.52 | 4.64 | 5.00 | |||||||||||||||
| Total Asset Growth | % | ... | -6.16 | -6.10 | 4.62 | -3.76 | -0.331 | |||||||||||||||
| Shareholders' Equity Growth | % | ... | -7.33 | 4.82 | 17.3 | 5.83 | 7.57 | |||||||||||||||
| Customer Deposit Growth | % | ... | 1.88 | 0.841 | -0.357 | 8.07 | 3.04 |
| ratios | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | ||||||||||||||||||||||
| ROE | % | -13.5 | 5.37 | 4.51 | 6.08 | 5.74 | ||||||||||||||||
| ROA | % | -0.382 | 0.160 | 0.151 | 0.226 | 0.232 | ||||||||||||||||
| Costs (As % Of Assets) | % | 0.678 | 0.746 | 0.640 | 0.758 | 0.736 | ||||||||||||||||
| Costs (As % Of Income) | % | 52.0 | 54.2 | 46.2 | 53.4 | 49.9 | ||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 13.2 | 15.8 | 19.6 | 20.3 | 20.1 | |||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | 11.7 | 10.9 | 13.7 | 13.7 | 15.1 | |||||||||||||
| Net Interest Margin | % | 0.895 | 0.837 | 0.767 | 0.774 | 0.814 | ||||||||||||||||
| Interest Spread | % | ... | 0.864 | 0.805 | 0.732 | 0.738 | 0.777 | |||||||||||||||
| Asset Yield | % | 1.95 | 1.85 | 1.77 | 1.72 | 1.69 | ||||||||||||||||
| Cost Of Liabilities | % | ... | 1.09 | 1.05 | 1.03 | 0.980 | 0.909 | |||||||||||||||
| Payout Ratio | % | ... | ... | 76.3 | 86.6 | 76.6 | 75.7 | 75.4 | ||||||||||||||
| Interest Income (As % Of Revenues) | % | 68.6 | 60.8 | 55.3 | 54.5 | 55.2 | ||||||||||||||||
| Fee Income (As % Of Revenues) | % | 10.9 | 11.4 | 13.0 | 13.2 | 12.6 | ||||||||||||||||
| Other Income (As % Of Revenues) | % | 20.5 | 27.7 | 31.7 | 32.3 | 32.2 | ||||||||||||||||
| Equity (As % Of Assets) | % | 2.82 | 3.15 | 3.53 | 3.89 | 4.19 | ||||||||||||||||
| Loans (As % Of Deposits) | % | 67.7 | 64.7 | 67.2 | 65.0 | 66.3 | ||||||||||||||||
| Loans (As % Assets) | % | 19.4 | 19.8 | 19.6 | 21.3 | 22.5 | ||||||||||||||||
| NPLs (As % Of Loans) | % | ... | 5.33 | 5.42 | 5.05 | 4.38 | 4.41 | |||||||||||||||
| Provisions (As % Of NPLs) | % | ... | 70.6 | 66.4 | 67.5 | 72.7 | 69.3 | |||||||||||||||
| Provisions (As % Of Loans) | % | ... | 3.92 | 3.73 | 3.53 | 3.29 | 3.15 | |||||||||||||||
| Cost of Provisions (As % Of Loans) | % | 1.12 | 0.942 | 0.719 | 0.718 | 0.534 |
| other data | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | ||||||||||||||||||||||
| Employees | 79,282 | 75,529 | 72,567 | 71,499 | 73,605 | |||||||||||||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | 26.9 | 29.0 | 31.0 |
Get all company financials in excel:
By Helgi Library - December 21, 2019
Credit Agricole stock traded at 10.5 per share at the end second quarter of 2019 implying a market capitalization of USD 34,370 mil. Since the end of 2Q2014, the stock has depreciated by -0.084 % implying an annual average growth of -0.017 %. In absolute terms, the va...
By Helgi Library - December 21, 2019
Credit Agricole stock traded at 10.5 per share at the end of second quarter of 2019 implying a market capitalization of USD 34,370 mil. Over the last five years, the stock has depreciated by 0.084 implying an annual average growth of -0.017% In absolute te...
By Helgi Library - December 21, 2019
Credit Agricole stock traded at 10.5 per share at the end of second quarter of 2019 implying a market capitalization of USD 34,370 mil. Over the last five years, the stock has depreciated by 0.084 implying an annual average growth of -0.017% In absolute te...
By Helgi Library - December 20, 2019
Credit Agricole's non-performing loans reached 3.58% of total loans at the end of 2018, down from 4.28% compared to the previous year. Historically, the NPL ratio hit an all time high of 6.83% in 2011 and an all time low of 3.56% in 2007. Provision coverage...
By Helgi Library - December 20, 2019
Credit Agricole made a net profit of EUR 4,400 mil under revenues of EUR 26,158 mil in 2018, up 20.6% and 6.14% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 4,920 mil in 2006 and an all time low of EU...
By Helgi Library - December 20, 2019
Credit Agricole's non-performing loans reached 3.58% of total loans at the end of 2018, down from 4.28% compared to the previous year. Historically, the NPL ratio hit an all time high of 6.83% in 2011 and an all time low of 3.56% in 2007. Provision coverage...
By Helgi Library - December 20, 2019
Credit Agricole made a net profit of EUR 4,400 mil under revenues of EUR 26,158 mil in 2018, up 20.6% and 6.14% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 4,920 mil in 2006 and an all time low of EU...
By Helgi Library - December 20, 2019
Credit Agricole stock traded at EUR 9.46 per share at the end 2018 implying a market capitalization of USD 30,901 mil. Since the end of 2013, the stock has appreciated by 1.14 % implying an annual average growth of 0.228 %. In absolute terms, the value of the company ...
By Helgi Library - December 20, 2019
Credit Agricole stock traded at EUR 9.46 per share at the end 2018 implying a market capitalization of USD 30,901 mil. Since the end of 2013, the stock has appreciated by 1.14 % implying an annual average growth of 0.228 %. In absolute terms, the value of the company ...
By Helgi Library - December 20, 2019
Credit Agricole's capital adequacy ratio reached 17.8% at the end of 2018, down from 18.3% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 20.3% in 2015 and an all time low of 8.50% in 2005. The Tier 1 ratio amoun...
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