By Helgi Library - September 19, 2018
Credit Agricole Serbia's non-performing loans reached 7.51% of total loans at the end of 2017, down from 10.8% compared to the pr...
By Helgi Library - September 19, 2018
Credit Agricole Serbia's non-performing loans reached 7.51% of total loans at the end of 2017, down from 10.8% compared to the pr...
By Helgi Library - September 19, 2018
Credit Agricole Serbia made a net profit of RSD 351 mil under revenues of RSD 4,707 mil in 2017, up 70.2% and 3.57% respectively comp...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | RSD mil | 3,041 | 3,331 | 3,280 |
| Net Fee Income | RSD mil | 1,168 | 1,197 | 1,301 |
| Other Income | RSD mil | 14.9 | 17.3 | 127 |
| Total Revenues | RSD mil | 4,223 | 4,545 | 4,707 |
| Staff Cost | RSD mil | 1,863 | 1,978 | 2,002 |
| Operating Profit | RSD mil | 503 | 668 | 777 |
| Provisions | RSD mil | 286 | 412 | 409 |
| Net Profit | RSD mil | 141 | 206 | 351 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | RSD mil | 6,411 | 5,532 | 6,858 |
| Customer Loans | RSD mil | 54,816 | 62,849 | 69,959 |
| Total Assets | RSD mil | 75,373 | 82,169 | 91,943 |
| Shareholders' Equity | RSD mil | 8,609 | 8,797 | 9,141 |
| Interbank Borrowing | RSD mil | 21,626 | 21,870 | 28,366 |
| Customer Deposits | RSD mil | 41,842 | 48,158 | 51,196 |
| Issued Debt Securities | RSD mil | 2,448 | 2,484 | 2,383 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 1.66 | 2.37 | 3.92 |
| ROA | % | 0.196 | 0.262 | 0.403 |
| Costs (As % Of Assets) | % | 5.15 | 4.92 | 4.52 |
| Costs (As % Of Income) | % | 88.1 | 85.3 | 83.5 |
| Capital Adequacy Ratio | % | 15.8 | 14.5 | 17.1 |
| Net Interest Margin | % | 4.21 | 4.23 | 3.77 |
| Loans (As % Of Deposits) | % | 131 | 131 | 137 |
| NPLs (As % Of Loans) | % | 12.6 | 10.8 | 7.51 |
| Provisions (As % Of NPLs) | % | 61.2 | 66.2 | 65.1 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 0.826 | 7.62 | 3.57 |
| Operating Cost Growth | % | -1.83 | 4.22 | 1.38 |
| Operating Profit Growth | % | 26.0 | 32.8 | 16.3 |
| Net Profit Growth | % | 232 | 45.9 | 70.2 |
| Customer Loan Growth | % | 7.04 | 14.7 | 11.3 |
| Total Asset Growth | % | 9.00 | 9.02 | 11.9 |
| Customer Deposit Growth | % | 4.40 | 15.1 | 6.31 |
| Shareholders' Equity Growth | % | 1.81 | 2.17 | 3.91 |
Get all company financials in excel:
| summary | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||
| Net Interest Income | RSD mil | 2,265 | 2,473 | 2,813 | 3,041 | ||
| Total Revenues | RSD mil | 3,465 | 3,697 | 4,189 | 4,223 | ||
| Operating Profit | RSD mil | -77.8 | 135 | 399 | 503 | ||
| Net Profit | RSD mil | 36.7 | 42.3 | 42.6 | 141 | ||
| balance sheet | |||||||
| Interbank Loans | RSD mil | 7,766 | 9,490 | 830 | 6,411 | ||
| Customer Loans | RSD mil | 42,551 | 42,583 | 51,209 | 54,816 | ||
| Debt Securities | RSD mil | 258 | 93.8 | 1,075 | 2,356 | ||
| Total Assets | RSD mil | 63,396 | 65,188 | 69,149 | 75,373 | ||
| Shareholders' Equity | RSD mil | 8,402 | 8,467 | 8,456 | 8,609 | ||
| Interbank Borrowing | RSD mil | 19,167 | 18,172 | 17,264 | 21,626 | ||
| Customer Deposits | RSD mil | 32,419 | 30,236 | 40,080 | 41,842 | ||
| Issued Debt Securities | RSD mil | 0 | 0 | 2,435 | 2,448 | ||
| ratios | |||||||
| ROE | % | 0.437 | 0.501 | 0.503 | 1.66 | ||
| ROA | % | 0.058 | 0.066 | 0.063 | 0.196 | ||
| Costs (As % Of Assets) | % | 5.59 | 5.54 | 5.64 | 5.15 | ||
| Costs (As % Of Income) | % | 102 | 96.4 | 90.5 | 88.1 | ||
| Capital Adequacy Ratio | % | 15.1 | 16.4 | 16.4 | 15.8 | ||
| Net Interest Margin | % | 3.57 | 3.85 | 4.19 | 4.21 | ||
| Interest Income (As % Of Revenues) | % | 65.4 | 66.9 | 67.1 | 72.0 | ||
| Fee Income (As % Of Revenues) | % | 31.2 | 30.4 | 26.3 | 27.7 | ||
| Staff Cost (As % Of Total Cost) | % | 49.5 | 50.0 | 47.7 | 50.1 | ||
| Equity (As % Of Assets) | % | 13.3 | 13.0 | 12.2 | 11.4 | ||
| Loans (As % Of Deposits) | % | 131 | 141 | 128 | 131 | ||
| Loans (As % Assets) | % | 67.1 | 65.3 | 74.1 | 72.7 | ||
| NPLs (As % Of Loans) | % | 15.3 | 11.5 | 14.0 | 12.6 | ||
| Provisions (As % Of NPLs) | % | 59.8 | 83.6 | 54.2 | 61.2 | ||
| valuation | |||||||
| Book Value Per Share Growth | % | ... | 9.19 | 13.7 | 8.11 |
| income statement | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||
| Interest Income | RSD mil | 3,855 | 4,087 | 4,111 | 3,997 | ||
| Interest Cost | RSD mil | 1,590 | 1,613 | 1,298 | 957 | ||
| Net Interest Income | RSD mil | 2,265 | 2,473 | 2,813 | 3,041 | ||
| Net Fee Income | RSD mil | 1,081 | 1,122 | 1,103 | 1,168 | ||
| Other Income | RSD mil | 119 | 101 | 273 | 14.9 | ||
| Total Revenues | RSD mil | 3,465 | 3,697 | 4,189 | 4,223 | ||
| Staff Cost | RSD mil | 1,754 | 1,780 | 1,806 | 1,863 | ||
| Depreciation | RSD mil | 266 | 241 | 202 | 210 | ||
| Other Cost | RSD mil | 1,523 | 1,541 | 1,782 | 1,647 | ||
| Operating Cost | RSD mil | 3,543 | 3,563 | 3,790 | 3,720 | ||
| Operating Profit | RSD mil | -77.8 | 135 | 399 | 503 | ||
| Provisions | RSD mil | -118 | 103 | 326 | 286 | ||
| Extra and Other Cost | RSD mil | -0.481 | -0.396 | < 0.001 | < 0.001 | ||
| Pre-Tax Profit | RSD mil | 41.0 | 32.1 | 72.9 | 217 | ||
| Tax | RSD mil | 4.26 | -10.2 | 30.3 | 75.6 | ||
| Minorities | RSD mil | 0 | 0 | 0 | 0 | ||
| Net Profit | RSD mil | 36.7 | 42.3 | 42.6 | 141 | ||
| growth rates | |||||||
| Net Interest Income Growth | % | ... | 9.19 | 13.7 | 8.11 | ||
| Net Fee Income Growth | % | ... | 3.88 | -1.72 | 5.86 | ||
| Total Revenue Growth | % | ... | 6.70 | 13.3 | 0.826 | ||
| Operating Cost Growth | % | ... | 0.553 | 6.38 | -1.83 | ||
| Operating Profit Growth | % | ... | -273 | 196 | 26.0 | ||
| Pre-Tax Profit Growth | % | ... | -21.8 | 127 | 198 | ||
| Net Profit Growth | % | ... | 15.1 | 0.710 | 232 | ||
| market share | |||||||
| Market Share in Revenues | % | 2.05 | 2.27 | 2.40 | 2.30 | ||
| Market Share in Net Profit | % | 0.315 | ... | 1.87 | 1.90 |
| balance sheet | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||
| Cash | RSD mil | 7,469 | 6,666 | 13,851 | 9,450 | ||
| Interbank Loans | RSD mil | 7,766 | 9,490 | 830 | 6,411 | ||
| Customer Loans | RSD mil | 42,551 | 42,583 | 51,209 | 54,816 | ||
| Retail Loans | RSD mil | 19,520 | 23,569 | 28,124 | 31,646 | ||
| Mortgage Loans | RSD mil | ... | ... | 15,904 | 17,947 | ||
| Consumer Loans | RSD mil | ... | ... | 12,220 | 13,699 | ||
| Corporate Loans | RSD mil | 27,310 | 23,552 | 27,290 | 27,767 | ||
| Debt Securities | RSD mil | 258 | 93.8 | 1,075 | 2,356 | ||
| Fixed Assets | RSD mil | 1,757 | 1,764 | 1,601 | 1,610 | ||
| Total Assets | RSD mil | 63,396 | 65,188 | 69,149 | 75,373 | ||
| Shareholders' Equity | RSD mil | 8,402 | 8,467 | 8,456 | 8,609 | ||
| Of Which Minority Interest | RSD mil | 0 | 0 | 0 | 0 | ||
| Liabilities | RSD mil | 54,994 | 56,722 | 60,693 | 66,763 | ||
| Interbank Borrowing | RSD mil | 19,167 | 18,172 | 17,264 | 21,626 | ||
| Customer Deposits | RSD mil | 32,419 | 30,236 | 40,080 | 41,842 | ||
| Retail Deposits | RSD mil | 11,864 | 4,805 | 19,394 | 19,565 | ||
| Corporate Deposits | RSD mil | 20,555 | 25,431 | 20,686 | 22,277 | ||
| Issued Debt Securities | RSD mil | 0 | 0 | 2,435 | 2,448 | ||
| Other Liabilities | RSD mil | 3,408 | 8,313 | 914 | 848 | ||
| asset quality | |||||||
| Non-Performing Loans | RSD mil | 7,151 | 5,428 | 7,758 | 7,512 | ||
| Gross Loans | RSD mil | 46,830 | 47,121 | 55,414 | 59,413 | ||
| Total Provisions | RSD mil | 4,279 | 4,538 | 4,205 | 4,597 | ||
| growth rates | |||||||
| Customer Loan Growth | % | ... | 0.076 | 20.3 | 7.04 | ||
| Retail Loan Growth | % | ... | 20.7 | 19.3 | 12.5 | ||
| Mortgage Loan Growth | % | ... | ... | ... | 12.8 | ||
| Consumer Loan Growth | % | ... | ... | ... | 12.1 | ||
| Corporate Loan Growth | % | ... | -13.8 | 15.9 | 1.75 | ||
| Total Asset Growth | % | ... | 2.83 | 6.08 | 9.00 | ||
| Shareholders' Equity Growth | % | ... | 0.769 | -0.123 | 1.81 | ||
| Customer Deposit Growth | % | ... | -6.73 | 32.6 | 4.40 | ||
| Retail Deposit Growth | % | ... | -59.5 | 304 | 0.879 | ||
| Corporate Deposit Growth | % | ... | 23.7 | -18.7 | 7.69 | ||
| market share | |||||||
| Market Share in Customer Loans | % | 1.89 | 1.93 | 2.15 | 2.18 | ||
| Market Share in Corporate Loans | % | 2.44 | 2.32 | 2.81 | 2.80 | ||
| Market Share in Retail Loans | % | ... | ... | 3.15 | 3.32 | ||
| Market Share in Consumer Loans | % | 2.99 | 3.50 | 3.88 | 4.17 | ||
| Market Share in Mortgage Loans | % | ... | ... | 4.72 | 5.18 | ||
| Market Share in Total Assets | % | 2.01 | 2.07 | 2.09 | 2.20 | ||
| Market Share in Customer Deposits | % | 2.12 | 1.90 | 2.33 | 2.29 | ||
| Market Share in Retail Deposits | % | 1.20 | 0.470 | 1.77 | 1.73 | ||
| Market Share in Corporate Deposits | % | 4.76 | 5.93 | 4.14 | 3.86 |
| ratios | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||
| ROE | % | 0.437 | 0.501 | 0.503 | 1.66 | ||
| ROA | % | 0.058 | 0.066 | 0.063 | 0.196 | ||
| Costs (As % Of Assets) | % | 5.59 | 5.54 | 5.64 | 5.15 | ||
| Costs (As % Of Income) | % | 102 | 96.4 | 90.5 | 88.1 | ||
| Capital Adequacy Ratio | % | 15.1 | 16.4 | 16.4 | 15.8 | ||
| Net Interest Margin | % | 3.57 | 3.85 | 4.19 | 4.21 | ||
| Interest Spread | % | ... | 3.47 | 3.91 | 4.03 | ||
| Asset Yield | % | 6.08 | 6.36 | 6.12 | 5.53 | ||
| Cost Of Liabilities | % | ... | 2.89 | 2.21 | 1.50 | ||
| Interest Income (As % Of Revenues) | % | 65.4 | 66.9 | 67.1 | 72.0 | ||
| Fee Income (As % Of Revenues) | % | 31.2 | 30.4 | 26.3 | 27.7 | ||
| Other Income (As % Of Revenues) | % | 3.44 | 2.74 | 6.52 | 0.353 | ||
| Staff Cost (As % Of Total Cost) | % | 49.5 | 50.0 | 47.7 | 50.1 | ||
| Equity (As % Of Assets) | % | 13.3 | 13.0 | 12.2 | 11.4 | ||
| Loans (As % Of Deposits) | % | 131 | 141 | 128 | 131 | ||
| Loans (As % Assets) | % | 67.1 | 65.3 | 74.1 | 72.7 | ||
| NPLs (As % Of Loans) | % | 15.3 | 11.5 | 14.0 | 12.6 | ||
| Provisions (As % Of NPLs) | % | 59.8 | 83.6 | 54.2 | 61.2 | ||
| Provisions (As % Of Loans) | % | 10.1 | 10.7 | 8.21 | 8.39 | ||
| Cost of Provisions (As % Of Loans) | % | -0.278 | 0.242 | 0.695 | 0.539 |
Get all company financials in excel:
By Helgi Library - September 19, 2018
Credit Agricole Serbia made a net profit of RSD 351 mil under revenues of RSD 4,707 mil in 2017, up 70.2% and 3.57% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of RSD 351 mil in 2017 and an all time low of ...
By Helgi Library - September 19, 2018
Credit Agricole Serbia's customer loans reached RSD 69,959 mil in 2017, up 11.3% compared to the previous year. Serbian banking sector provided customer loans of RSD 2,702 bil in 2017, up 1.16% when compared to the last year. Credit Agricole Serbia accoun...
By Helgi Library - September 19, 2018
Credit Agricole Serbia's customer loans reached RSD 69,959 mil in 2017, up 11.3% compared to the previous year. Serbian banking sector provided customer loans of RSD 2,702 bil in 2017, up 1.16% when compared to the last year. Credit Agricole Serbia accoun...
By Helgi Library - September 19, 2018
Credit Agricole Serbia's customer deposits reached RSD 51,196 mil in 2017, up 6.31% compared to the previous year. Serbian banking sector accepted customer deposits of RSD 2,111 bil in 2017, up 3.62% when compared to the last year. Credit Agricole Serbia ...
By Helgi Library - September 19, 2018
Credit Agricole Serbia's customer deposits reached RSD 51,196 mil in 2017, up 6.31% compared to the previous year. Serbian banking sector accepted customer deposits of RSD 2,111 bil in 2017, up 3.62% when compared to the last year. Credit Agricole Serbia ...
By Helgi Library - September 19, 2018
Credit Agricole Serbia generated total banking revenues of RSD 4,707 mil in 2017, up 3.57% compared to the previous year. Serbian banking sector banking sector generated total revenues of RSD 197,856 mil in 2017, up 7.42% when compared to the last yea...
By Helgi Library - September 19, 2018
Credit Agricole Serbia generated total banking revenues of RSD 4,707 mil in 2017, up 3.57% compared to the previous year. Serbian banking sector banking sector generated total revenues of RSD 197,856 mil in 2017, up 7.42% when compared to the last yea...
By Helgi Library - September 19, 2018
Credit Agricole Serbia's retail deposits reached RSD 22,968 mil in 2017, up 8.78% compared to the previous year. Serbian banking sector accepted retail deposits of RSD 1,223 bil in 2017, up 1.09% when compared to the last year. Credit Agricole Serbia acco...
By Helgi Library - September 19, 2018
Credit Agricole Serbia's retail deposits reached RSD 22,968 mil in 2017, up 8.78% compared to the previous year. Serbian banking sector accepted retail deposits of RSD 1,223 bil in 2017, up 1.09% when compared to the last year. Credit Agricole Serbia acco...
By Helgi Library - September 19, 2018
Credit Agricole Serbia's corporate deposits reached RSD 28,228 mil in 2017, up 4.38% compared to the previous year. Serbian banking sector accepted corporate deposits of RSD 694 bil in 2017, up 6.26% when compared to the last year. Credit Agricole Serbia ...
Credit Agricole Serbia has been growing its revenues and asset by 6.32% and 7.72% a year on average in the last 5 years. Its loans and deposits have grown by 10.5% and 9.57% a year during that time and loans to deposits ratio reached 137% at the end of 2017. The company achieved an average return on equity of 1.79% in the last five years with net profit growing 57.1% a year on average. In terms of operating efficiency, its cost to income ratio reached 83.5% in 2017, compared to 88.7% average in the last five years.
Equity represented 9.94% of total assets or 13.1% of loans at the end of 2017. Credit Agricole Serbia's non-performing loans were 7.51% of total loans while provisions covered some 65.1% of NPLs at the end of 2017.
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