By Helgi Library - February 19, 2020
UBI Banca made a net profit of EUR 111 mil in the fourth quarter of 2019, up 165% when compared to the same period of last year. ...
By Helgi Library - February 19, 2020
UBI Banca made a net profit of EUR 111 mil in the fourth quarter of 2019, up 165% when compared to the same period of last year. ...
By Helgi Library - February 19, 2020
UBI Banca's non-performing loans reached 7.80% of total loans at the end of 2019-12-31, down from 10.4% compared to the previous ...
| Profit Statement | 2017 | 2018 | 2019 | |
| Net Interest Income | EUR mil | 1,665 | 1,898 | 1,733 |
| Net Fee Income | EUR mil | 1,547 | 1,581 | ... |
| Other Income | EUR mil | 608 | 437 | ... |
| Total Revenues | EUR mil | 3,820 | 3,916 | 3,598 |
| Staff Cost | EUR mil | 1,542 | 1,546 | 1,428 |
| Operating Profit | EUR mil | 1,309 | 1,289 | 1,353 |
| Provisions | EUR mil | 728 | 639 | 744 |
| Net Profit | EUR mil | 236 | 302 | 353 |
| Balance Sheet | 2017 | 2018 | 2019 | |
| Interbank Loans | EUR mil | 7,821 | 10,066 | 11,740 |
| Customer Loans | EUR mil | 91,977 | 88,988 | 84,564 |
| Total Assets | EUR mil | 127,376 | 125,306 | 126,525 |
| Shareholders' Equity | EUR mil | 10,005 | 9,214 | 9,547 |
| Interbank Borrowing | EUR mil | 17,312 | 17,885 | 14,923 |
| Customer Deposits | EUR mil | 68,268 | 68,182 | 72,577 |
| Issued Debt Securities | EUR mil | 26,015 | 23,790 | 22,850 |
| Ratios | 2017 | 2018 | 2019 | |
| ROE | % | 2.48 | 3.15 | 3.76 |
| ROA | % | 1.51 | 1.42 | 1.56 |
| Costs (As % Of Assets) | % | 2.89 | 2.90 | 2.59 |
| Costs (As % Of Income) | % | 65.7 | 67.1 | 62.4 |
| Capital Adequacy Ratio | % | 14.1 | 13.8 | 15.9 |
| Net Interest Margin | % | 1.39 | 1.50 | 1.38 |
| Loans (As % Of Deposits) | % | 135 | 131 | 117 |
| NPLs (As % Of Loans) | % | 12.7 | 10.4 | 7.80 |
| Provisions (As % Of NPLs) | % | 45.2 | 44.2 | 45.7 |
| Valuation | 2017 | 2018 | 2019 | |
| Price/Earnings (P/E) | 17.6 | 9.54 | 9.37 | |
| Price/Book Value (P/BV) | 0.415 | 0.313 | 0.346 | |
| Dividend Yield | % | 3.02 | 4.74 | 4.46 |
| Earnings Per Share (EPS) | EUR | 0.207 | 0.265 | 0.311 |
| Book Value Per Share | EUR | 8.78 | 8.09 | 8.41 |
| Dividend Per Share | EUR | 0.110 | 0.120 | 0.130 |
Get all company financials in excel:
| summary | Unit | 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 | 1,761 | 1,828 | 1,641 | 1,508 | 1,665 | |||||||||||||
| Total Revenues | EUR mil | 3,731 | 3,759 | 3,643 | 3,366 | 3,820 | |||||||||||||
| Operating Profit | EUR mil | 1,348 | 1,223 | 1,224 | 1,121 | 1,309 | |||||||||||||
| Net Profit | EUR mil | 292 | 140 | 113 | -444 | 236 | |||||||||||||
| balance sheet | |||||||||||||||||||
| Interbank Loans | EUR mil | 4,149 | 3,881 | 4,200 | 3,841 | 7,821 | |||||||||||||
| Customer Loans | EUR mil | 88,403 | 85,103 | 83,816 | 81,733 | 91,977 | |||||||||||||
| Debt Securities | EUR mil | 21,384 | 23,127 | 19,717 | 17,243 | 16,772 | |||||||||||||
| Total Assets | EUR mil | 124,242 | 121,787 | 117,201 | 112,384 | 127,376 | |||||||||||||
| Shareholders' Equity | EUR mil | 11,181 | 10,359 | 10,518 | 9,062 | 10,005 | |||||||||||||
| Interbank Borrowing | EUR mil | 22,170 | 19,606 | 16,627 | 16,737 | 17,312 | |||||||||||||
| Customer Deposits | EUR mil | 44,946 | 45,922 | 49,092 | 53,621 | 68,268 | |||||||||||||
| Issued Debt Securities | EUR mil | 41,902 | 41,590 | 36,248 | 28,940 | 26,015 | |||||||||||||
| ratios | |||||||||||||||||||
| ROE | % | ... | 2.68 | 1.30 | 1.08 | -4.53 | 2.48 | ||||||||||||
| ROA | % | ... | 1.49 | 1.41 | 1.45 | 1.35 | 1.51 | ||||||||||||
| Costs (As % Of Assets) | % | ... | 2.64 | 2.92 | 2.86 | 2.71 | 2.89 | ||||||||||||
| Costs (As % Of Income) | % | 63.9 | 67.5 | 66.4 | 66.7 | 65.7 | |||||||||||||
| Capital Adequacy Ratio | % | 18.9 | 15.3 | 13.9 | 14.1 | 14.1 | |||||||||||||
| Net Interest Margin | % | ... | 1.37 | 1.49 | 1.37 | 1.31 | 1.39 | ||||||||||||
| Interest Income (As % Of Revenues) | % | 47.2 | 48.6 | 45.1 | 44.8 | 43.6 | |||||||||||||
| Fee Income (As % Of Revenues) | % | 31.8 | 32.6 | 35.7 | 39.7 | 40.5 | ... | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 56.1 | 55.7 | 57.5 | 71.2 | 61.4 | |||||||||||
| Equity (As % Of Assets) | % | 12.6 | 12.2 | 12.5 | 11.1 | 10.9 | |||||||||||||
| Loans (As % Of Deposits) | % | 197 | 185 | 171 | 152 | 135 | |||||||||||||
| Loans (As % Assets) | % | 71.2 | 69.9 | 71.5 | 72.7 | 72.2 | |||||||||||||
| NPLs (As % Of Loans) | % | ... | 13.7 | 14.6 | 15.3 | 14.5 | 12.7 | ||||||||||||
| Provisions (As % Of NPLs) | % | ... | 30.3 | 30.8 | 31.0 | 38.7 | 45.2 | ||||||||||||
| valuation | |||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | 6,126 | 6,491 | 6,065 | 2,681 | 5,016 | ||||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | 944 | 944 | 945 | 952 | 1,140 | |||||||||
| Share Price (End Of Period) | EUR | ... | 4.70 | 5.68 | 5.91 | 2.49 | 3.65 | ||||||||||||
| Earnings Per Share (EPS) | EUR | ... | ... | ... | ... | 0.309 | 0.148 | 0.119 | -0.466 | 0.207 | |||||||||
| Book Value Per Share | EUR | ... | ... | ... | ... | 11.8 | 11.0 | 11.1 | 9.52 | 8.78 | |||||||||
| Dividend Per Share | EUR | 0.057 | 0.076 | 0.105 | 0.105 | 0.110 | |||||||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | 15.2 | 38.4 | 49.5 | ... | 17.6 | ||||||||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | 0.397 | 0.518 | 0.531 | 0.262 | 0.415 | ||||||||||
| Dividend Yield | % | ... | 1.22 | 1.34 | 1.77 | 4.21 | 3.02 | ||||||||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | 105 | -52.1 | -19.3 | -491 | -144 | |||||||
| Book Value Per Share Growth | % | ... | 5.76 | -7.36 | 1.52 | -14.5 | -7.76 |
| income statement | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||||||
| Interest Income | EUR mil | 3,265 | 3,025 | 2,520 | 2,171 | 2,275 | ... | ||||||||||||
| Interest Cost | EUR mil | 1,504 | 1,197 | 878 | 663 | 610 | ... | ||||||||||||
| Net Interest Income | EUR mil | 1,761 | 1,828 | 1,641 | 1,508 | 1,665 | |||||||||||||
| Net Fee Income | EUR mil | 1,187 | 1,227 | 1,300 | 1,335 | 1,547 | ... | ||||||||||||
| Other Income | EUR mil | 783 | 704 | 702 | 524 | 608 | ... | ||||||||||||
| Total Revenues | EUR mil | 3,731 | 3,759 | 3,643 | 3,366 | 3,820 | |||||||||||||
| Staff Cost | EUR mil | ... | ... | 1,338 | 1,413 | 1,392 | 1,600 | 1,542 | |||||||||||
| Depreciation | EUR mil | ... | ... | 96.5 | 86.2 | 83.0 | 76.2 | 83.5 | ... | ||||||||||
| Other Cost | EUR mil | ... | ... | 949 | 1,037 | 945 | 570 | 885 | ... | ||||||||||
| Operating Cost | EUR mil | 2,383 | 2,536 | 2,419 | 2,246 | 2,511 | |||||||||||||
| Operating Profit | EUR mil | 1,348 | 1,223 | 1,224 | 1,121 | 1,309 | |||||||||||||
| Provisions | EUR mil | 943 | 929 | 803 | 1,566 | 728 | |||||||||||||
| Extra and Other Cost | EUR mil | 156 | 145 | 86.5 | 127 | 174 | |||||||||||||
| Pre-Tax Profit | EUR mil | 249 | 150 | 335 | -572 | 407 | |||||||||||||
| Tax | EUR mil | -66.5 | -12.4 | 194 | -113 | 144 | |||||||||||||
| Minorities | EUR mil | 23.3 | 22.2 | 27.7 | -14.9 | 26.4 | |||||||||||||
| Net Profit | EUR mil | 292 | 140 | 113 | -444 | 236 | |||||||||||||
| Dividends | EUR mil | ... | 54.0 | 72.0 | 99.0 | 107 | 126 | ||||||||||||
| growth rates | |||||||||||||||||||
| Net Interest Income Growth | % | ... | -9.56 | 3.82 | -10.2 | -8.15 | 10.4 | ||||||||||||
| Net Fee Income Growth | % | ... | 0.445 | 3.33 | 5.99 | 2.69 | 15.9 | ... | |||||||||||
| Total Revenue Growth | % | ... | -0.863 | 0.748 | -3.08 | -7.60 | 13.5 | ||||||||||||
| Operating Cost Growth | % | ... | -5.12 | 6.42 | -4.61 | -7.19 | 11.8 | ||||||||||||
| Operating Profit Growth | % | ... | 7.67 | -9.28 | 0.085 | -8.42 | 16.8 | ||||||||||||
| Pre-Tax Profit Growth | % | ... | -9.93 | -39.9 | 124 | -271 | -171 | ||||||||||||
| Net Profit Growth | % | ... | 105 | -52.1 | -19.3 | -494 | -153 |
| balance sheet | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| balance sheet | |||||||||||||||||||
| Cash | EUR mil | 590 | 598 | 530 | 519 | 812 | |||||||||||||
| Interbank Loans | EUR mil | 4,149 | 3,881 | 4,200 | 3,841 | 7,821 | |||||||||||||
| Customer Loans | EUR mil | 88,403 | 85,103 | 83,816 | 81,733 | 91,977 | |||||||||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 80,215 | ... | ||
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 61,700 | ... | |
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18,515 | ... | |
| Corporate Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Debt Securities | EUR mil | 21,384 | 23,127 | 19,717 | 17,243 | 16,772 | |||||||||||||
| Fixed Assets | EUR mil | 1,798 | 1,729 | 1,744 | 1,648 | 1,812 | |||||||||||||
| Intangible Assets | EUR mil | 2,919 | 1,777 | 1,757 | 1,696 | 1,728 | |||||||||||||
| Goodwill | EUR mil | ... | 2,512 | 1,465 | 1,465 | 1,465 | 1,465 | ||||||||||||
| Total Assets | EUR mil | 124,242 | 121,787 | 117,201 | 112,384 | 127,376 | |||||||||||||
| Shareholders' Equity | EUR mil | 11,181 | 10,359 | 10,518 | 9,062 | 10,005 | |||||||||||||
| Of Which Minority Interest | EUR mil | 842 | 555 | 536 | 72.0 | 79.7 | |||||||||||||
| Liabilities | EUR mil | 113,060 | 111,428 | 106,683 | 103,322 | 117,371 | |||||||||||||
| Interbank Borrowing | EUR mil | 22,170 | 19,606 | 16,627 | 16,737 | 17,312 | |||||||||||||
| Customer Deposits | EUR mil | 44,946 | 45,922 | 49,092 | 53,621 | 68,268 | |||||||||||||
| Sight Deposits | EUR mil | ... | 42,627 | 44,317 | 47,703 | 52,404 | 64,258 | ... | |||||||||||
| Term Deposits | EUR mil | ... | 1,014 | 429 | 183 | 125 | 2,365 | ... | |||||||||||
| Issued Debt Securities | EUR mil | 41,902 | 41,590 | 36,248 | 28,940 | 26,015 | |||||||||||||
| Subordinated Debt | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Other Liabilities | EUR mil | 4,043 | 4,310 | 4,716 | 4,024 | 5,777 | |||||||||||||
| asset quality | |||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | 12,674 | 13,049 | 13,434 | 12,521 | 12,414 | ||||||||||||
| Gross Loans | EUR mil | ... | 92,246 | 89,126 | 87,978 | 86,578 | 97,585 | ||||||||||||
| Total Provisions | EUR mil | ... | 3,844 | 4,023 | 4,162 | 4,845 | 5,608 | ||||||||||||
| growth rates | |||||||||||||||||||
| Customer Loan Growth | % | ... | -4.19 | -3.73 | -1.51 | -2.48 | 12.5 | ||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Total Asset Growth | % | ... | -6.19 | -1.98 | -3.77 | -4.11 | 13.3 | ||||||||||||
| Shareholders' Equity Growth | % | ... | 5.71 | -7.35 | 1.53 | -13.8 | 10.4 | ||||||||||||
| Customer Deposit Growth | % | ... | -9.17 | 2.17 | 6.90 | 9.23 | 27.3 |
| ratios | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| ratios | |||||||||||||||||||
| ROE | % | ... | 2.68 | 1.30 | 1.08 | -4.53 | 2.48 | ||||||||||||
| ROA | % | ... | 1.49 | 1.41 | 1.45 | 1.35 | 1.51 | ||||||||||||
| Costs (As % Of Assets) | % | ... | 2.64 | 2.92 | 2.86 | 2.71 | 2.89 | ||||||||||||
| Costs (As % Of Income) | % | 63.9 | 67.5 | 66.4 | 66.7 | 65.7 | |||||||||||||
| Capital Adequacy Ratio | % | 18.9 | 15.3 | 13.9 | 14.1 | 14.1 | |||||||||||||
| Tier 1 Ratio | % | 13.2 | 12.3 | 12.1 | 11.5 | 11.6 | |||||||||||||
| Net Interest Margin | % | ... | 1.37 | 1.49 | 1.37 | 1.31 | 1.39 | ||||||||||||
| Interest Spread | % | ... | 1.26 | 1.39 | 1.30 | 1.26 | 1.34 | ... | |||||||||||
| Asset Yield | % | ... | 2.54 | 2.46 | 2.11 | 1.89 | 1.90 | ||||||||||||
| Cost Of Liabilities | % | ... | 1.28 | 1.07 | 0.805 | 0.632 | 0.553 | ... | |||||||||||
| Payout Ratio | % | ... | 18.5 | 51.5 | 87.8 | -24.1 | 53.3 | ||||||||||||
| Interest Income (As % Of Revenues) | % | 47.2 | 48.6 | 45.1 | 44.8 | 43.6 | |||||||||||||
| Fee Income (As % Of Revenues) | % | 31.8 | 32.6 | 35.7 | 39.7 | 40.5 | ... | ||||||||||||
| Other Income (As % Of Revenues) | % | 21.0 | 18.7 | 19.3 | 15.6 | 15.9 | ... | ||||||||||||
| Cost Per Employee | USD per month | ... | ... | 8,061 | 8,373 | 7,729 | 8,139 | 6,615 | |||||||||||
| Cost Per Employee (Local Currency) | EUR per month | ... | ... | 6,072 | 6,495 | 6,743 | 7,592 | 5,891 | |||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 56.1 | 55.7 | 57.5 | 71.2 | 61.4 | |||||||||||
| Equity (As % Of Assets) | % | 12.6 | 12.2 | 12.5 | 11.1 | 10.9 | |||||||||||||
| Loans (As % Of Deposits) | % | 197 | 185 | 171 | 152 | 135 | |||||||||||||
| Loans (As % Assets) | % | 71.2 | 69.9 | 71.5 | 72.7 | 72.2 | |||||||||||||
| NPLs (As % Of Loans) | % | ... | 13.7 | 14.6 | 15.3 | 14.5 | 12.7 | ||||||||||||
| Provisions (As % Of NPLs) | % | ... | 30.3 | 30.8 | 31.0 | 38.7 | 45.2 | ||||||||||||
| Provisions (As % Of Loans) | % | ... | 4.35 | 4.73 | 4.97 | 5.93 | 6.10 | ||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.04 | 1.07 | 0.950 | 1.89 | 0.839 |
| other data | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| other data | |||||||||||||||||||
| Branches | 1,731 | 1,676 | 1,560 | 1,524 | 1,838 | ||||||||||||||
| Employees | 18,358 | 18,132 | 17,200 | 17,560 | 21,818 | ||||||||||||||
| Sight (As % Of Customer Deposits) | % | ... | 94.8 | 96.5 | 97.2 | 97.7 | 94.1 | ... | |||||||||||
| Risk-Weighted Assets | EUR mil | ... | ... | ... | ... | 61,046 | 61,733 | 61,345 | 59,484 | 67,054 | ... | ||||||||
| Return on Loans | % | 0.323 | 0.161 | 0.133 | -0.536 | 0.272 | |||||||||||||
| Operating Profit (As % of Loans) | % | ... | 1.49 | 1.41 | 1.45 | 1.35 | 1.51 | ||||||||||||
| Costs (As % Of Loans) | % | ... | 2.64 | 2.92 | 2.86 | 2.71 | 2.89 | ||||||||||||
| Equity (As % Of Loans) | % | 12.6 | 12.2 | 12.5 | 11.1 | 10.9 |
Get all company financials in excel:
By Helgi Library - February 19, 2020
UBI Banca's non-performing loans reached 7.80% of total loans at the end of 2019-12-31, down from 10.4% compared to the previous year. Historically, the NPL ratio hit an all time high of 15.5% in 2015-09-30 and an all time low of 0.934% in 2005-12-31. Provi...
By Helgi Library - February 19, 2020
UBI Banca employed 19,940 persons in 2019-12-31, down 0.939% when compared to the previous year. Historically, the bank's workforce hit an all time high of 22,122 persons in 2017-06-30 and an all time low of 14,370 in 2006-09-30. Average cost reached USD 6,572 per...
By Helgi Library - February 19, 2020
UBI Banca employed 19,940 persons in 2019-12-31, down 0.939% when compared to the previous year. Historically, the bank's workforce hit an all time high of 22,122 persons in 2017-06-30 and an all time low of 14,370 in 2006-09-30. Average cost reached USD 6,572 per...
By Helgi Library - February 19, 2020
UBI Banca stock traded at EUR 2.91 per share at the end fourth quarter of 2019 implying a market capitalization of USD 3,711 mil. Since the end of 4Q2014, the stock has depreciated by -48.7 % implying an annual average growth of -12.5 %. In absolute terms, the value o...
By Helgi Library - February 19, 2020
UBI Banca stock traded at EUR 2.91 per share at the end fourth quarter of 2019 implying a market capitalization of USD 3,711 mil. Since the end of 4Q2014, the stock has depreciated by -48.7 % implying an annual average growth of -12.5 %. In absolute terms, the value o...
By Helgi Library - February 19, 2020
UBI Banca's capital adequacy ratio reached 15.9% at the end of fourth quarter of 2019, up from 15.6% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 19.3% in 3Q2013 and an all time low of 9.82% in 3Q2006. ...
By Helgi Library - February 19, 2020
UBI Banca's capital adequacy ratio reached 15.9% at the end of fourth quarter of 2019, up from 15.6% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 19.3% in 3Q2013 and an all time low of 9.82% in 3Q2006. ...
By Helgi Library - February 19, 2020
UBI Banca stock traded at EUR 2.91 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 3,711 mil. Over the last five years, the stock has depreciated by 48.7 implying an annual average growth of -12.5% In absolute terms,...
By Helgi Library - February 19, 2020
UBI Banca stock traded at EUR 2.91 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 3,711 mil. Over the last five years, the stock has depreciated by 48.7 implying an annual average growth of -12.5% In absolute terms,...
By Helgi Library - February 19, 2020
UBI Banca's customer loan growth reached -4.97% in 2019-12-31, down from -3.25% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 83.4% in 2007-03-31 and an all time low of -7.17% in 2012-06-30. In the last d...
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