By Helgi Library - February 19, 2020
Credito Emiliano's capital adequacy ratio reached 18.6% at the end of fourth quarter of 2019, up from 18.4% when compared to the ...
By Helgi Library - February 19, 2020
Credito Emiliano's capital adequacy ratio reached 18.6% at the end of fourth quarter of 2019, up from 18.4% when compared to the ...
By Helgi Library - February 19, 2020
Credito Emiliano's net interest margin amounted to 1.13% in the fourth quarter of 2019, up from 1.03% when compared to the previ...
| 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 |
Get all company financials in excel:
| summary | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||||||||||||||||||
| Net Interest Income | EUR mil | 562 | 594 | 546 | 481 | 495 | |||||||||||||||||||||||||
| Total Revenues | EUR mil | 1,084 | 1,174 | 1,145 | 948 | 1,011 | |||||||||||||||||||||||||
| Operating Profit | EUR mil | 610 | 686 | 595 | 427 | 498 | |||||||||||||||||||||||||
| Net Profit | EUR mil | 53.0 | 116 | 130 | 127 | 185 | |||||||||||||||||||||||||
| balance sheet | |||||||||||||||||||||||||||||||
| Interbank Loans | EUR mil | 734 | 1,676 | 1,686 | 2,486 | 3,142 | |||||||||||||||||||||||||
| Customer Loans | EUR mil | 23,905 | 23,424 | 23,291 | 24,615 | 24,534 | |||||||||||||||||||||||||
| Debt Securities | EUR mil | ... | ... | ... | 6,754 | 9,011 | 8,337 | 7,821 | 11,795 | ||||||||||||||||||||||
| Total Assets | EUR mil | 32,770 | 35,619 | 35,538 | 37,196 | 41,625 | |||||||||||||||||||||||||
| Shareholders' Equity | EUR mil | 2,012 | 2,490 | 2,649 | 2,672 | 2,770 | |||||||||||||||||||||||||
| Interbank Borrowing | EUR mil | 3,279 | 2,698 | 3,029 | 3,115 | 6,562 | |||||||||||||||||||||||||
| Customer Deposits | EUR mil | 23,499 | 25,927 | 25,620 | 27,092 | 28,444 | |||||||||||||||||||||||||
| Issued Debt Securities | EUR mil | 2,965 | 3,406 | 3,181 | 3,232 | 2,833 | |||||||||||||||||||||||||
| ratios | |||||||||||||||||||||||||||||||
| ROE | % | ... | 2.68 | 5.17 | 5.07 | 4.77 | 6.81 | ||||||||||||||||||||||||
| ROA | % | ... | 2.48 | 2.90 | 2.55 | 1.78 | 2.02 | ||||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.92 | 2.06 | 2.35 | 2.17 | 2.09 | ||||||||||||||||||||||||
| Costs (As % Of Income) | % | 43.7 | 41.5 | 48.0 | 54.9 | 50.8 | |||||||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 10.5 | 11.5 | 13.4 | 13.6 | 13.7 | ||||||||||||||||||||||
| Net Interest Margin | % | ... | 1.73 | 1.74 | 1.54 | 1.32 | 1.26 | ||||||||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 51.9 | 50.6 | 47.7 | 50.8 | 49.0 | |||||||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 26.1 | 25.6 | 26.5 | 30.9 | 30.2 | ||||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 46.3 | 45.8 | 42.9 | 45.5 | 47.8 | |||||||||||||||||||||||||
| Equity (As % Of Assets) | % | 8.42 | 10.6 | 11.4 | 10.9 | 11.3 | |||||||||||||||||||||||||
| Loans (As % Of Deposits) | % | 102 | 90.3 | 90.9 | 90.9 | 86.3 | |||||||||||||||||||||||||
| Loans (As % Assets) | % | 72.9 | 65.8 | 65.5 | 66.2 | 58.9 | |||||||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 11.8 | 14.5 | 16.8 | 16.5 | 15.8 | ... | |||||||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 60.8 | 47.2 | 48.2 | 49.3 | 52.4 | ... | ||||||||||||||||||||
| valuation | |||||||||||||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | 1,780 | 1,698 | 2,045 | 1,484 | 1,646 | ||||||||||||||||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 376 | 389 | 453 | 453 | 453 | |||||||||
| Share Price (End Of Period) | EUR | ... | 3.43 | 3.10 | 4.15 | 3.13 | 3.04 | ||||||||||||||||||||||||
| Earnings Per Share (EPS) | EUR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.141 | 0.299 | 0.287 | 0.280 | 0.408 | |||||||||
| Book Value Per Share | EUR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.35 | 6.40 | 5.84 | 5.89 | 6.11 | |||||||||
| Dividend Per Share | EUR | ... | ... | ... | ... | ... | 0.041 | 0.060 | 0.070 | 0.060 | 0.070 | ||||||||||||||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 24.4 | 10.4 | 14.4 | 11.2 | 7.45 | ||||||||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.642 | 0.484 | 0.711 | 0.531 | 0.498 | ||||||||||
| Dividend Yield | % | ... | ... | ... | ... | ... | 1.19 | 1.94 | 1.69 | 1.92 | 2.30 | ||||||||||||||||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 55.3 | 112 | -3.85 | -2.64 | 46.0 | ||||||||
| Book Value Per Share Growth | % | ... | 3.69 | 19.5 | -8.65 | 0.866 | 3.63 |
| income statement | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||||||||||||||||||
| Interest Income | EUR mil | 1,021 | 963 | 800 | 671 | 637 | |||||||||||||||||||||||||
| Interest Cost | EUR mil | 459 | 368 | 253 | 189 | 142 | |||||||||||||||||||||||||
| Net Interest Income | EUR mil | 562 | 594 | 546 | 481 | 495 | |||||||||||||||||||||||||
| Net Fee Income | EUR mil | ... | ... | ... | 283 | 300 | 303 | 293 | 305 | ||||||||||||||||||||||
| Other Income | EUR mil | ... | ... | ... | 239 | 279 | 295 | 173 | 210 | ||||||||||||||||||||||
| Total Revenues | EUR mil | 1,084 | 1,174 | 1,145 | 948 | 1,011 | |||||||||||||||||||||||||
| Staff Cost | EUR mil | 219 | 223 | 236 | 237 | 245 | |||||||||||||||||||||||||
| Depreciation | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.1 | 17.0 | 18.1 | 18.6 | 18.9 | ... | ||||||||||
| Other Cost | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 237 | 248 | 296 | 265 | 249 | ... | ||||||||||
| Operating Cost | EUR mil | 473 | 488 | 550 | 521 | 513 | |||||||||||||||||||||||||
| Operating Profit | EUR mil | 610 | 686 | 595 | 427 | 498 | |||||||||||||||||||||||||
| Provisions | EUR mil | 464 | 464 | 390 | 250 | 235 | |||||||||||||||||||||||||
| Extra and Other Cost | EUR mil | 20.9 | 15.3 | 7.32 | 5.74 | -7.56 | |||||||||||||||||||||||||
| Pre-Tax Profit | EUR mil | 125 | 207 | 198 | 171 | 270 | |||||||||||||||||||||||||
| Tax | EUR mil | 64.7 | 80.3 | 59.4 | 43.0 | 78.9 | |||||||||||||||||||||||||
| Minorities | EUR mil | ... | ... | 7.64 | 10.1 | 8.20 | 1.28 | 5.97 | |||||||||||||||||||||||
| Net Profit | EUR mil | 53.0 | 116 | 130 | 127 | 185 | |||||||||||||||||||||||||
| Dividends | EUR mil | ... | ... | ... | 15.4 | 27.2 | 31.7 | 27.2 | 31.7 | ||||||||||||||||||||||
| growth rates | |||||||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | 6.20 | 5.80 | -8.11 | -11.9 | 2.91 | ||||||||||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | -0.349 | 6.01 | 1.15 | -3.42 | 4.09 | |||||||||||||||||||||
| Total Revenue Growth | % | ... | 1.32 | 8.32 | -2.44 | -17.2 | 6.63 | ||||||||||||||||||||||||
| Operating Cost Growth | % | ... | 3.14 | 3.00 | 12.8 | -5.31 | -1.49 | ||||||||||||||||||||||||
| Operating Profit Growth | % | ... | -0.054 | 12.4 | -13.2 | -28.3 | 16.5 | ||||||||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | 17.6 | 64.9 | -4.25 | -13.5 | 57.8 | ||||||||||||||||||||||||
| Net Profit Growth | % | ... | 55.4 | 119 | 12.0 | -2.66 | 46.0 |
| balance sheet | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| balance sheet | |||||||||||||||||||||||||||||||
| Cash | EUR mil | 197 | 264 | 766 | 790 | 699 | |||||||||||||||||||||||||
| Interbank Loans | EUR mil | 734 | 1,676 | 1,686 | 2,486 | 3,142 | |||||||||||||||||||||||||
| Customer Loans | EUR mil | 23,905 | 23,424 | 23,291 | 24,615 | 24,534 | |||||||||||||||||||||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18,257 | 18,240 | ... | |
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12,793 | 13,194 | ... | |
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,464 | 5,045 | ... | |
| Debt Securities | EUR mil | ... | ... | ... | 6,754 | 9,011 | 8,337 | 7,821 | 11,795 | ||||||||||||||||||||||
| Fixed Assets | EUR mil | 246 | 254 | 324 | 321 | 327 | |||||||||||||||||||||||||
| Intangible Assets | EUR mil | ... | ... | ... | ... | ... | ... | 21.9 | 21.6 | 22.2 | 23.9 | 23.7 | |||||||||||||||||||
| Goodwill | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.96 | 7.85 | 7.85 | 7.85 | 7.85 | |||||||||
| Total Assets | EUR mil | 32,770 | 35,619 | 35,538 | 37,196 | 41,625 | |||||||||||||||||||||||||
| Shareholders' Equity | EUR mil | 2,012 | 2,490 | 2,649 | 2,672 | 2,770 | |||||||||||||||||||||||||
| Of Which Minority Interest | EUR mil | ... | ... | 75.4 | 82.5 | 86.6 | 84.7 | 90.6 | |||||||||||||||||||||||
| Liabilities | EUR mil | 30,758 | 33,129 | 32,888 | 34,524 | 38,855 | |||||||||||||||||||||||||
| Interbank Borrowing | EUR mil | 3,279 | 2,698 | 3,029 | 3,115 | 6,562 | |||||||||||||||||||||||||
| Customer Deposits | EUR mil | 23,499 | 25,927 | 25,620 | 27,092 | 28,444 | |||||||||||||||||||||||||
| Sight Deposits | EUR mil | ... | 18,952 | 23,142 | 23,918 | 26,148 | 26,965 | ... | |||||||||||||||||||||||
| Term Deposits | EUR mil | ... | 4,431 | 2,701 | 1,586 | 889 | 1,429 | ... | |||||||||||||||||||||||
| Issued Debt Securities | EUR mil | 2,965 | 3,406 | 3,181 | 3,232 | 2,833 | |||||||||||||||||||||||||
| Other Liabilities | EUR mil | 1,015 | 1,098 | 1,058 | 1,085 | 1,016 | |||||||||||||||||||||||||
| asset quality | |||||||||||||||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | ... | 3,025 | 3,644 | 4,254 | 4,426 | 4,225 | ... | |||||||||||||||||||||
| Gross Loans | EUR mil | ... | ... | ... | 25,743 | 25,145 | 25,342 | 26,798 | 26,747 | ... | |||||||||||||||||||||
| Total Provisions | EUR mil | ... | ... | ... | ... | 1,838 | 1,720 | 2,051 | 2,183 | 2,213 | ... | ||||||||||||||||||||
| growth rates | |||||||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | -5.55 | -2.01 | -0.572 | 5.68 | -0.326 | ||||||||||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -0.095 | ... | |
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.13 | ... | |
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -7.66 | ... | |
| Total Asset Growth | % | ... | 1.30 | 8.69 | -0.228 | 4.67 | 11.9 | ||||||||||||||||||||||||
| Shareholders' Equity Growth | % | ... | 3.69 | 23.8 | 6.42 | 0.866 | 3.63 | ||||||||||||||||||||||||
| Customer Deposit Growth | % | ... | 3.44 | 10.3 | -1.18 | 5.75 | 4.99 |
| ratios | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| ratios | |||||||||||||||||||||||||||||||
| ROE | % | ... | 2.68 | 5.17 | 5.07 | 4.77 | 6.81 | ||||||||||||||||||||||||
| ROA | % | ... | 2.48 | 2.90 | 2.55 | 1.78 | 2.02 | ||||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.92 | 2.06 | 2.35 | 2.17 | 2.09 | ||||||||||||||||||||||||
| Costs (As % Of Income) | % | 43.7 | 41.5 | 48.0 | 54.9 | 50.8 | |||||||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 10.5 | 11.5 | 13.4 | 13.6 | 13.7 | ||||||||||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | 7.89 | 9.81 | 10.5 | 11.1 | 11.6 | |||||||||||||||||||
| Net Interest Margin | % | ... | 1.73 | 1.74 | 1.54 | 1.32 | 1.26 | ||||||||||||||||||||||||
| Interest Spread | % | ... | 1.63 | 1.66 | 1.48 | 1.28 | 1.23 | ||||||||||||||||||||||||
| Asset Yield | % | ... | 3.14 | 2.82 | 2.25 | 1.84 | 1.62 | ||||||||||||||||||||||||
| Cost Of Liabilities | % | ... | 1.50 | 1.15 | 0.768 | 0.562 | 0.386 | ||||||||||||||||||||||||
| Payout Ratio | % | ... | ... | ... | 29.1 | 23.4 | 24.4 | 21.4 | 17.1 | ||||||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 51.9 | 50.6 | 47.7 | 50.8 | 49.0 | |||||||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 26.1 | 25.6 | 26.5 | 30.9 | 30.2 | ||||||||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | 22.0 | 23.8 | 25.8 | 18.3 | 20.8 | ||||||||||||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | 7,918 | 9,232 | 7,231 | 6,704 | 7,165 | |||||||||||||||||||||
| Cost Per Employee (Local Currency) | EUR per month | ... | ... | ... | ... | 5,965 | 7,162 | 6,308 | 6,254 | 6,381 | |||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 46.3 | 45.8 | 42.9 | 45.5 | 47.8 | |||||||||||||||||||||||||
| Equity (As % Of Assets) | % | 8.42 | 10.6 | 11.4 | 10.9 | 11.3 | |||||||||||||||||||||||||
| Loans (As % Of Deposits) | % | 102 | 90.3 | 90.9 | 90.9 | 86.3 | |||||||||||||||||||||||||
| Loans (As % Assets) | % | 72.9 | 65.8 | 65.5 | 66.2 | 58.9 | |||||||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 11.8 | 14.5 | 16.8 | 16.5 | 15.8 | ... | |||||||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 60.8 | 47.2 | 48.2 | 49.3 | 52.4 | ... | ||||||||||||||||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | 7.69 | 7.34 | 8.81 | 8.87 | 9.02 | ... | ||||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.89 | 1.96 | 1.67 | 1.04 | 0.957 |
| other data | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| other data | |||||||||||||||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 318 | 327 | 354 | 337 | 343 | ... | ||||||||
| Employees | ... | ... | ... | ... | 3,061 | 2,596 | 3,115 | 3,156 | 3,202 | ||||||||||||||||||||||
| Sight (As % Of Customer Deposits) | % | ... | 80.6 | 89.3 | 93.4 | 96.5 | 94.8 | ... | |||||||||||||||||||||||
| Risk-Weighted Assets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23,756 | 21,338 | 23,262 | 23,208 | 22,738 | |||||||
| Return on Loans | % | 0.216 | 0.492 | 0.558 | 0.530 | 0.754 | |||||||||||||||||||||||||
| Operating Profit (As % of Loans) | % | ... | 2.48 | 2.90 | 2.55 | 1.78 | 2.02 | ||||||||||||||||||||||||
| Costs (As % Of Loans) | % | ... | 1.92 | 2.06 | 2.35 | 2.17 | 2.09 | ||||||||||||||||||||||||
| Equity (As % Of Loans) | % | 8.42 | 10.6 | 11.4 | 10.9 | 11.3 |
Get all company financials in excel:
By Helgi Library - February 19, 2020
Credito Emiliano's net interest margin amounted to 1.13% in the fourth quarter of 2019, up from 1.03% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 1.89% in 2Q2012 and an all time low of ...
By Helgi Library - February 19, 2020
Credito Emiliano stock traded at EUR 2.11 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 1,183 mil. Over the last five years, the stock has depreciated by 31.9 implying an annual average growth of -7.40% In absolute...
By Helgi Library - February 19, 2020
Credito Emiliano stock traded at EUR 2.11 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 1,183 mil. Over the last five years, the stock has depreciated by 31.9 implying an annual average growth of -7.40% In absolute...
By Helgi Library - February 19, 2020
Credito Emiliano made a net profit of EUR 14.5 mil in the fourth quarter of 2019, down 55.2% when compared to the same period of last year. This implies a return on equity of 1.98%. Historically, the bank’s net profit reached an all time high of EUR 82.8 mil in 1...
By Helgi Library - February 19, 2020
Credito Emiliano made a net profit of EUR 14.5 mil in the fourth quarter of 2019, down 55.2% when compared to the same period of last year. This implies a return on equity of 1.98%. Historically, the bank’s net profit reached an all time high of EUR 82.8 mil in 1...
By Helgi Library - February 19, 2020
Credito Emiliano stock traded at EUR 2.11 per share at the end fourth quarter of 2019 implying a market capitalization of USD 1,183 mil. Since the end of 4Q2014, the stock has depreciated by -31.9 % implying an annual average growth of -7.40 %. In absolute terms, the ...
By Helgi Library - February 19, 2020
Credito Emiliano stock traded at EUR 2.11 per share at the end fourth quarter of 2019 implying a market capitalization of USD 1,183 mil. Since the end of 4Q2014, the stock has depreciated by -31.9 % implying an annual average growth of -7.40 %. In absolute terms, the ...
By Helgi Library - February 19, 2020
Credito Emiliano generated total banking revenues of EUR 252 mil in the fourth quarter of 2019, down 5.12% when compared to the same period of last year and 6.55% when compared to the previous quarter. Historically, the bank’s revenues containing of interest,...
By Helgi Library - February 19, 2020
Credito Emiliano generated total banking revenues of EUR 252 mil in the fourth quarter of 2019, down 5.12% when compared to the same period of last year and 6.55% when compared to the previous quarter. Historically, the bank’s revenues containing of interest,...
By Helgi Library - February 19, 2020
Credito Emiliano's customer loan growth reached 9.17% in 2019-12-31, down from 23.7% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 23.7% in 2018-12-31 and an all time low of -12.9% in 2019-09-30. In the l...
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