By Helgi Library - February 19, 2020
Credit Agricole Italia's capital adequacy ratio reached 16.8% at the end of 2018, up from 15.1% compared to the previous year. ...
By Helgi Library - February 19, 2020
Credit Agricole Italia's capital adequacy ratio reached 16.8% at the end of 2018, up from 15.1% compared to the previous year. ...
By Helgi Library - February 19, 2020
Credit Agricole Italia's net interest margin amounted to 1.54% in 2018, up from 1.46% compared to the previous year. Histo...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | EUR mil | 884 | 875 | 1,006 |
| Net Fee Income | EUR mil | 681 | 734 | 892 |
| Other Income | EUR mil | 356 | 826 | 368 |
| Total Revenues | EUR mil | 1,920 | 2,435 | 2,265 |
| Staff Cost | EUR mil | 637 | 611 | 742 |
| Operating Profit | EUR mil | 569 | 565 | 704 |
| Provisions | EUR mil | 221 | 213 | 251 |
| Net Profit | EUR mil | 208 | 338 | 274 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | EUR mil | 4,384 | 7,581 | 3,537 |
| Customer Loans | EUR mil | 38,209 | 43,909 | 51,001 |
| Total Assets | EUR mil | 52,992 | 66,713 | 63,750 |
| Shareholders' Equity | EUR mil | 5,288 | 6,374 | 6,379 |
| Interbank Borrowing | EUR mil | 5,039 | 7,145 | 6,103 |
| Customer Deposits | EUR mil | 31,137 | 40,566 | 39,699 |
| Issued Debt Securities | EUR mil | 8,756 | 9,716 | 8,460 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 3.99 | 5.80 | 4.30 |
| ROA | % | 1.53 | 1.38 | 1.48 |
| Costs (As % Of Assets) | % | 3.62 | 4.55 | 3.29 |
| Costs (As % Of Income) | % | 70.3 | 76.8 | 68.9 |
| Capital Adequacy Ratio | % | 13.3 | 15.1 | 16.8 |
| Net Interest Margin | % | 1.69 | 1.46 | 1.54 |
| Loans (As % Of Deposits) | % | 123 | 108 | 128 |
| NPLs (As % Of Loans) | % | 12.4 | 10.9 | 6.92 |
| Provisions (As % Of NPLs) | % | 45.8 | 49.4 | 60.1 |
| Growth Rates | 2016 | 2017 | 2018 | |
| Total Revenue Growth | % | -2.25 | 26.8 | -6.97 |
| Operating Cost Growth | % | 5.04 | 38.4 | -16.5 |
| Operating Profit Growth | % | -16.1 | -0.710 | 24.5 |
| Net Profit Growth | % | -5.67 | 62.4 | -18.9 |
| Customer Loan Growth | % | 4.79 | 14.9 | 16.2 |
| Total Asset Growth | % | 3.15 | 25.9 | -4.44 |
| Customer Deposit Growth | % | 9.63 | 30.3 | -2.14 |
| Shareholders' Equity Growth | % | 2.91 | 20.5 | 0.072 |
| Employees | 8,269 | 10,271 | 9,878 | |
Get all company financials in excel:
| summary | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||
| Net Interest Income | EUR mil | 968 | 910 | 950 | 949 | 884 | ||||||
| Total Revenues | EUR mil | 1,906 | 1,925 | 1,932 | 1,964 | 1,920 | ||||||
| Operating Profit | EUR mil | 505 | 704 | 710 | 679 | 569 | ||||||
| Net Profit | EUR mil | 160 | 150 | 160 | 221 | 208 | ||||||
| balance sheet | ||||||||||||
| Interbank Loans | EUR mil | 4,124 | 3,306 | 3,278 | 2,869 | 4,384 | ||||||
| Customer Loans | EUR mil | 35,128 | 36,392 | 37,276 | 36,463 | 38,209 | ||||||
| Debt Securities | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | 5,515 | ||
| Total Assets | EUR mil | 49,322 | 50,163 | 52,204 | 51,373 | 52,992 | ||||||
| Shareholders' Equity | EUR mil | 4,578 | 4,798 | 4,980 | 5,138 | 5,288 | ||||||
| Interbank Borrowing | EUR mil | 5,275 | 6,085 | 7,061 | 4,408 | 5,039 | ||||||
| Customer Deposits | EUR mil | 22,265 | 23,361 | 25,255 | 28,402 | 31,137 | ||||||
| Issued Debt Securities | EUR mil | 13,956 | 13,233 | 11,832 | 10,597 | 8,756 | ||||||
| ratios | ||||||||||||
| ROE | % | ... | 3.61 | 3.21 | 3.28 | 4.36 | 3.99 | |||||
| ROA | % | ... | 1.45 | 1.97 | 1.93 | 1.84 | 1.53 | |||||
| Costs (As % Of Assets) | % | ... | 4.01 | 3.41 | 3.32 | 3.49 | 3.62 | |||||
| Costs (As % Of Income) | % | 73.5 | 63.4 | 63.2 | 65.5 | 70.3 | ||||||
| Capital Adequacy Ratio | % | 12.3 | 13.4 | 13.5 | 13.5 | 13.3 | ||||||
| Net Interest Margin | % | ... | 1.96 | 1.83 | 1.86 | 1.83 | 1.69 | |||||
| Interest Income (As % Of Revenues) | % | 50.8 | 47.3 | 49.2 | 48.3 | 46.0 | ||||||
| Fee Income (As % Of Revenues) | % | 31.3 | 30.5 | 33.6 | 34.2 | 35.4 | ||||||
| Staff Cost (As % Of Total Cost) | % | 52.4 | 48.7 | 47.5 | 45.5 | 47.2 | ||||||
| Equity (As % Of Assets) | % | 13.0 | 13.2 | 13.4 | 14.1 | 13.8 | ||||||
| Loans (As % Of Deposits) | % | 158 | 156 | 148 | 128 | 123 | ||||||
| Loans (As % Assets) | % | 71.2 | 72.5 | 71.4 | 71.0 | 72.1 | ||||||
| NPLs (As % Of Loans) | % | ... | 8.22 | 10.0 | 13.1 | 14.1 | 12.4 | |||||
| Provisions (As % Of NPLs) | % | ... | 44.8 | 46.9 | ... | ... | 45.8 | |||||
| valuation | ||||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | 877 | 877 | 877 | ||
| Earnings Per Share (EPS) | EUR | ... | ... | ... | ... | ... | ... | 0.183 | 0.252 | 0.237 | ||
| Book Value Per Share | EUR | ... | ... | ... | ... | ... | ... | 5.68 | 5.86 | 6.03 | ||
| Dividend Per Share | EUR | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | ||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | 37.7 | -5.64 | ||
| Book Value Per Share Growth | % | ... | -7.79 | -5.98 | 4.36 | 3.18 | 2.91 |
| income statement | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||
| Interest Income | EUR mil | 1,546 | 1,431 | 1,401 | 1,253 | 1,080 | ||||||
| Interest Cost | EUR mil | 578 | 520 | 451 | 304 | 196 | ||||||
| Net Interest Income | EUR mil | 968 | 910 | 950 | 949 | 884 | ||||||
| Net Fee Income | EUR mil | 596 | 588 | 649 | 672 | 681 | ||||||
| Other Income | EUR mil | 341 | 427 | 333 | 343 | 356 | ||||||
| Total Revenues | EUR mil | 1,906 | 1,925 | 1,932 | 1,964 | 1,920 | ||||||
| Staff Cost | EUR mil | 733 | 595 | 581 | 586 | 637 | ||||||
| Depreciation | EUR mil | 30.8 | 29.4 | ... | ... | ... | ||||||
| Other Cost | EUR mil | 636 | 597 | ... | ... | ... | ||||||
| Operating Cost | EUR mil | 1,400 | 1,221 | 1,222 | 1,286 | 1,351 | ||||||
| Operating Profit | EUR mil | 505 | 704 | 710 | 679 | 569 | ||||||
| Provisions | EUR mil | 373 | 480 | 391 | 312 | 221 | ||||||
| Extra and Other Cost | EUR mil | -31.1 | 26.7 | 26.6 | 17.3 | 20.1 | ||||||
| Pre-Tax Profit | EUR mil | 163 | 197 | 293 | 350 | 328 | ||||||
| Tax | EUR mil | 1.56 | 39.5 | 124 | 119 | 109 | ||||||
| Minorities | EUR mil | 1.65 | 6.73 | 8.93 | 10.2 | 10.8 | ||||||
| Net Profit | EUR mil | 160 | 150 | 160 | 221 | 208 | ||||||
| Dividends | EUR mil | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | ||
| growth rates | ||||||||||||
| Net Interest Income Growth | % | ... | -7.79 | -5.98 | 4.36 | -0.118 | -6.86 | |||||
| Net Fee Income Growth | % | ... | 5.17 | -1.40 | 10.5 | 3.51 | 1.25 | |||||
| Total Revenue Growth | % | ... | 1.77 | 1.01 | 0.379 | 1.68 | -2.25 | |||||
| Operating Cost Growth | % | ... | 8.22 | -12.8 | 0.057 | 5.24 | 5.04 | |||||
| Operating Profit Growth | % | ... | -12.7 | 39.2 | 0.938 | -4.45 | -16.1 | |||||
| Pre-Tax Profit Growth | % | ... | -41.6 | 20.5 | 48.8 | 19.4 | -6.09 | |||||
| Net Profit Growth | % | ... | -20.1 | -5.99 | 6.45 | 37.8 | -5.67 |
| balance sheet | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | ||||||||||||
| Cash | EUR mil | 286 | 334 | 285 | 1,390 | 224 | ||||||
| Interbank Loans | EUR mil | 4,124 | 3,306 | 3,278 | 2,869 | 4,384 | ||||||
| Customer Loans | EUR mil | 35,128 | 36,392 | 37,276 | 36,463 | 38,209 | ||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | ... | 27,088 | 27,015 | 27,562 | ||
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | 24,419 | ||
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | 3,143 | ||
| Debt Securities | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | 5,515 | ||
| Fixed Assets | EUR mil | 443 | 443 | 460 | 488 | 519 | ||||||
| Intangible Assets | EUR mil | 1,946 | 1,928 | 1,907 | 1,894 | 1,888 | ||||||
| Goodwill | EUR mil | 1,576 | 1,576 | 1,576 | 1,576 | 1,576 | ||||||
| Total Assets | EUR mil | 49,322 | 50,163 | 52,204 | 51,373 | 52,992 | ||||||
| Shareholders' Equity | EUR mil | 4,578 | 4,798 | 4,980 | 5,138 | 5,288 | ||||||
| Of Which Minority Interest | EUR mil | 195 | 199 | 211 | 215 | 206 | ||||||
| Liabilities | EUR mil | 44,744 | 45,365 | 47,224 | 46,235 | 47,704 | ||||||
| Interbank Borrowing | EUR mil | 5,275 | 6,085 | 7,061 | 4,408 | 5,039 | ||||||
| Customer Deposits | EUR mil | 22,265 | 23,361 | 25,255 | 28,402 | 31,137 | ||||||
| Sight Deposits | EUR mil | ... | ... | ... | ... | ... | ... | 24,166 | 27,299 | 29,957 | ||
| Term Deposits | EUR mil | ... | ... | ... | ... | ... | ... | 914 | 908 | 910 | ||
| Issued Debt Securities | EUR mil | 13,956 | 13,233 | 11,832 | 10,597 | 8,756 | ||||||
| Other Liabilities | EUR mil | 3,249 | 2,686 | 3,077 | 2,828 | 2,772 | ||||||
| asset quality | ||||||||||||
| Non-Performing Loans | EUR mil | ... | 2,996 | 3,835 | 4,901 | 5,154 | 5,024 | |||||
| Gross Loans | EUR mil | ... | 36,471 | 38,189 | 37,276 | 36,463 | 40,509 | |||||
| Total Provisions | EUR mil | ... | 1,343 | 1,798 | ... | ... | 2,300 | |||||
| growth rates | ||||||||||||
| Customer Loan Growth | % | ... | 0.992 | 3.60 | 2.43 | -2.18 | 4.79 | |||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | -0.272 | 2.03 | ||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Total Asset Growth | % | ... | 0.064 | 1.70 | 4.07 | -1.59 | 3.15 | |||||
| Shareholders' Equity Growth | % | ... | 6.78 | 4.81 | 3.78 | 3.18 | 2.91 | |||||
| Customer Deposit Growth | % | ... | -2.73 | 4.92 | 8.11 | 12.5 | 9.63 |
| ratios | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | ||||||||||||
| ROE | % | ... | 3.61 | 3.21 | 3.28 | 4.36 | 3.99 | |||||
| ROA | % | ... | 1.45 | 1.97 | 1.93 | 1.84 | 1.53 | |||||
| Costs (As % Of Assets) | % | ... | 4.01 | 3.41 | 3.32 | 3.49 | 3.62 | |||||
| Costs (As % Of Income) | % | 73.5 | 63.4 | 63.2 | 65.5 | 70.3 | ||||||
| Capital Adequacy Ratio | % | 12.3 | 13.4 | 13.5 | 13.5 | 13.3 | ||||||
| Tier 1 Ratio | % | 9.40 | 10.9 | 11.2 | 11.4 | 11.8 | ||||||
| Net Interest Margin | % | ... | 1.96 | 1.83 | 1.86 | 1.83 | 1.69 | |||||
| Interest Spread | % | ... | 1.85 | 1.72 | 1.76 | 1.77 | 1.65 | |||||
| Asset Yield | % | ... | 3.14 | 2.88 | 2.74 | 2.42 | 2.07 | |||||
| Cost Of Liabilities | % | ... | 1.29 | 1.15 | 0.975 | 0.650 | 0.417 | |||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | ||
| Interest Income (As % Of Revenues) | % | 50.8 | 47.3 | 49.2 | 48.3 | 46.0 | ||||||
| Fee Income (As % Of Revenues) | % | 31.3 | 30.5 | 33.6 | 34.2 | 35.4 | ||||||
| Other Income (As % Of Revenues) | % | 17.9 | 22.2 | 17.2 | 17.5 | 18.5 | ||||||
| Cost Per Employee | USD per month | 8,947 | 8,062 | 7,408 | 6,825 | 6,882 | ||||||
| Cost Per Employee (Local Currency) | EUR per month | 6,962 | 6,073 | 5,747 | 5,954 | 6,419 | ||||||
| Staff Cost (As % Of Total Cost) | % | 52.4 | 48.7 | 47.5 | 45.5 | 47.2 | ||||||
| Equity (As % Of Assets) | % | 13.0 | 13.2 | 13.4 | 14.1 | 13.8 | ||||||
| Loans (As % Of Deposits) | % | 158 | 156 | 148 | 128 | 123 | ||||||
| Loans (As % Assets) | % | 71.2 | 72.5 | 71.4 | 71.0 | 72.1 | ||||||
| NPLs (As % Of Loans) | % | ... | 8.22 | 10.0 | 13.1 | 14.1 | 12.4 | |||||
| Provisions (As % Of NPLs) | % | ... | 44.8 | 46.9 | ... | ... | 45.8 | |||||
| Provisions (As % Of Loans) | % | ... | 3.82 | 4.94 | ... | ... | 6.02 | |||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.07 | 1.34 | 1.06 | 0.846 | 0.592 |
| other data | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | ||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | 815 | |||
| Employees | 8,775 | 8,165 | 8,424 | 8,197 | 8,269 | |||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | 95.7 | 96.1 | 96.2 | ||
| Risk-Weighted Assets | EUR mil | 29,808 | 23,310 | 23,589 | 23,388 | 24,130 | ||||||
| Return on Loans | % | 0.458 | 0.421 | 0.435 | 0.598 | 0.557 | ||||||
| Operating Profit (As % of Loans) | % | ... | 1.45 | 1.97 | 1.93 | 1.84 | 1.53 | |||||
| Costs (As % Of Loans) | % | ... | 4.01 | 3.41 | 3.32 | 3.49 | 3.62 | |||||
| Equity (As % Of Loans) | % | 13.0 | 13.2 | 13.4 | 14.1 | 13.8 |
Get all company financials in excel:
By Helgi Library - February 19, 2020
Credit Agricole Italia's net interest margin amounted to 1.54% in 2018, up from 1.46% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.51% in 2009 and an all time low of 1.46% in 2017. The average...
By Helgi Library - February 19, 2020
Credit Agricole Italia's non-performing loans reached 6.92% of total loans at the end of 2018, down from 10.9% compared to the previous year. Historically, the NPL ratio hit an all time high of 12.4% in 2016 and an all time low of 2.14% in 2009. Provision c...
By Helgi Library - February 19, 2020
Credit Agricole Italia made a net profit of EUR 274 mil under revenues of EUR 2,265 mil in 2018, up -18.9% and -6.97% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 338 mil in 2017 and an all time low of ...
By Helgi Library - February 19, 2020
Credit Agricole Italia's non-performing loans reached 6.92% of total loans at the end of 2018, down from 10.9% compared to the previous year. Historically, the NPL ratio hit an all time high of 12.4% in 2016 and an all time low of 2.14% in 2009. Provision c...
By Helgi Library - February 19, 2020
Credit Agricole Italia made a net profit of EUR 274 mil under revenues of EUR 2,265 mil in 2018, up -18.9% and -6.97% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 338 mil in 2017 and an all time low of ...
By Helgi Library - February 19, 2020
Credit Agricole Italia's customer loan growth reached 16.2% in 2018, up from 14.9% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 16.2% in 2018 and an all time low of -2.18% in 2015. In the last decade, th...
By Helgi Library - February 19, 2020
Credit Agricole Italia generated total banking revenues of EUR 2,265 mil in 2018, down 6.97% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 2,435 mil in ...
By Helgi Library - February 19, 2020
Credit Agricole Italia's customer loan growth reached 16.2% in 2018, up from 14.9% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 16.2% in 2018 and an all time low of -2.18% in 2015. In the last decade, th...
By Helgi Library - February 19, 2020
Credit Agricole Italia generated total banking revenues of EUR 2,265 mil in 2018, down 6.97% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 2,435 mil in ...
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