By Helgi Library - February 19, 2020
Banco BPM's non-performing loans reached 9.11% of total loans at the end of 2019-12-31, down from 11.4% compared to the previous ...
By Helgi Library - February 19, 2020
Banco BPM's capital adequacy ratio reached 17.5% at the end of fourth quarter of 2019, up from 16.3% when compared to the previou...
By Helgi Library - February 19, 2020
Banco BPM made a net profit of EUR 192 mil in the fourth quarter of 2019, up 96.7% when compared to the same period of last year....
| Profit Statement | 2017 | 2018 | 2019 | |
| Net Interest Income | EUR mil | 2,029 | 2,345 | 1,998 |
| Net Fee Income | EUR mil | 1,950 | 1,849 | ... |
| Other Income | EUR mil | 3,351 | 575 | ... |
| Total Revenues | EUR mil | 7,331 | 4,768 | 4,162 |
| Staff Cost | EUR mil | 1,775 | 1,729 | 1,697 |
| Operating Profit | EUR mil | -148 | 1,547 | 1,577 |
| Provisions | EUR mil | 1,299 | 1,941 | 779 |
| Net Profit | EUR mil | -73.8 | 376 | 661 |
| Balance Sheet | 2017 | 2018 | 2019 | |
| Interbank Loans | EUR mil | 11,529 | 10,611 | 10,044 |
| Customer Loans | EUR mil | 101,812 | 96,353 | 105,845 |
| Total Assets | EUR mil | 161,207 | 160,465 | 167,038 |
| Shareholders' Equity | EUR mil | 11,964 | 10,305 | 11,887 |
| Interbank Borrowing | EUR mil | 39,322 | 45,246 | 28,516 |
| Customer Deposits | EUR mil | 83,668 | 83,088 | 109,506 |
| Issued Debt Securities | EUR mil | 16,248 | 14,329 | 733 |
| Ratios | 2017 | 2018 | 2019 | |
| ROE | % | -0.616 | 3.37 | 5.96 |
| ROA | % | -0.140 | 1.56 | 1.56 |
| Costs (As % Of Assets) | % | 7.04 | 3.25 | 2.56 |
| Costs (As % Of Income) | % | 102 | 67.5 | 62.1 |
| Capital Adequacy Ratio | % | 15.2 | 14.7 | 17.5 |
| Net Interest Margin | % | 1.23 | 1.46 | 1.22 |
| Loans (As % Of Deposits) | % | 122 | 116 | 96.7 |
| NPLs (As % Of Loans) | % | 22.2 | 11.4 | 9.11 |
| Provisions (As % Of NPLs) | % | 50.1 | 58.3 | 48.3 |
| Valuation | 2017 | 2018 | 2019 | |
| Price/Earnings (P/E) | ... | 7.91 | 4.65 | |
| Price/Book Value (P/BV) | 0.332 | 0.289 | 0.258 | |
| Dividend Yield | % | 0 | 0 | 3.94 |
| Earnings Per Share (EPS) | EUR | -0.049 | 0.249 | 0.436 |
| Book Value Per Share | EUR | 7.90 | 6.82 | 7.85 |
| Dividend Per Share | EUR | 0 | 0 | 0.080 |
Get all company financials in excel:
| summary | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||
| Net Interest Income | EUR mil | 1,683 | 1,588 | 2,421 | 2,108 | 2,029 | |||||||||
| Total Revenues | EUR mil | 3,758 | 3,482 | 5,671 | 4,478 | 7,331 | |||||||||
| Operating Profit | EUR mil | 1,164 | 1,161 | 1,868 | 1,267 | -148 | |||||||||
| Net Profit | EUR mil | -479 | -1,554 | 732 | -921 | -73.8 | |||||||||
| balance sheet | |||||||||||||||
| Interbank Loans | EUR mil | 11,636 | 12,262 | 5,037 | 6,678 | 11,529 | |||||||||
| Customer Loans | EUR mil | 78,267 | 72,620 | 112,536 | 110,551 | 101,812 | |||||||||
| Debt Securities | EUR mil | 20,139 | 22,567 | 38,001 | 36,580 | 31,725 | |||||||||
| Total Assets | EUR mil | 125,402 | 123,082 | 171,415 | 168,255 | 161,207 | |||||||||
| Shareholders' Equity | EUR mil | 8,523 | 8,076 | 14,159 | 11,999 | 11,964 | |||||||||
| Interbank Borrowing | EUR mil | 23,901 | 26,056 | 29,854 | 23,276 | 39,322 | |||||||||
| Customer Deposits | EUR mil | 41,219 | 46,107 | 82,093 | 116,773 | 83,668 | |||||||||
| Issued Debt Securities | EUR mil | 20,358 | 16,710 | 25,194 | ... | 16,248 | |||||||||
| ratios | |||||||||||||||
| ROE | % | ... | -5.47 | -18.7 | 6.58 | -7.04 | -0.616 | ||||||||
| ROA | % | ... | 1.44 | 1.54 | 2.02 | 1.14 | -0.140 | ||||||||
| Costs (As % Of Assets) | % | ... | 3.22 | 3.08 | 4.11 | 2.88 | 7.04 | ||||||||
| Costs (As % Of Income) | % | 69.0 | 66.6 | 67.1 | 71.7 | 102 | |||||||||
| Capital Adequacy Ratio | % | ... | 13.3 | 14.6 | 15.9 | ... | 15.2 | ||||||||
| Net Interest Margin | % | ... | 1.31 | 1.28 | 1.64 | 1.24 | 1.23 | ||||||||
| Interest Income (As % Of Revenues) | % | 44.8 | 45.6 | 42.7 | 47.1 | 27.7 | |||||||||
| Fee Income (As % Of Revenues) | % | 36.9 | 39.6 | 35.8 | ... | 26.6 | ... | ||||||||
| Staff Cost (As % Of Total Cost) | % | 55.3 | 61.1 | 53.5 | 69.9 | 23.7 | |||||||||
| Equity (As % Of Assets) | % | 10.9 | 11.1 | 12.6 | 10.9 | 11.8 | |||||||||
| Loans (As % Of Deposits) | % | 190 | 158 | 137 | 94.7 | 122 | |||||||||
| Loans (As % Assets) | % | 62.4 | 59.0 | 65.7 | 65.7 | 63.2 | |||||||||
| NPLs (As % Of Loans) | % | ... | 23.0 | 23.9 | ... | 21.5 | 22.2 | ||||||||
| Provisions (As % Of NPLs) | % | ... | 28.2 | 40.7 | ... | 39.0 | 50.1 | ||||||||
| valuation | |||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | 3,387 | 4,407 | 10,941 | 3,663 | 4,758 | ||||||||
| Number Of Shares (Average) | mil | ... | 314 | 403 | ... | 1,515 | 1,515 | ||||||||
| Share Price (End Of Period) | EUR | ... | 7.83 | 7.46 | 9.50 | 2.29 | 2.62 | ||||||||
| Earnings Per Share (EPS) | EUR | ... | -1.52 | -3.85 | ... | -0.608 | -0.049 | ||||||||
| Book Value Per Share | EUR | ... | 27.1 | 20.0 | ... | 7.92 | 7.90 | ||||||||
| Dividend Per Share | EUR | 0 | 0 | 0 | 0 | 0 | |||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | |||||||
| Price/Book Value (P/BV) | ... | 0.288 | 0.373 | ... | 0.289 | 0.332 | |||||||||
| Dividend Yield | % | ... | 0 | 0 | 0 | 0 | 0 | ||||||||
| Earnings Per Share Growth | % | ... | ... | -8.50 | 153 | ... | ... | -92.0 | |||||||
| Book Value Per Share Growth | % | ... | -5.10 | -26.2 | 52.4 | -12.9 | -0.255 |
| income statement | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||
| Interest Income | EUR mil | 3,611 | 3,295 | 3,971 | ... | 2,952 | ... | ||||||||
| Interest Cost | EUR mil | 1,929 | 1,707 | 1,550 | ... | 923 | ... | ||||||||
| Net Interest Income | EUR mil | 1,683 | 1,588 | 2,421 | 2,108 | 2,029 | |||||||||
| Net Fee Income | EUR mil | 1,387 | 1,380 | 2,031 | ... | 1,950 | ... | ||||||||
| Other Income | EUR mil | 689 | 514 | 1,218 | ... | 3,351 | ... | ||||||||
| Total Revenues | EUR mil | 3,758 | 3,482 | 5,671 | 4,478 | 7,331 | |||||||||
| Staff Cost | EUR mil | 1,435 | 1,419 | 2,036 | 2,245 | 1,775 | |||||||||
| Depreciation | EUR mil | ... | ... | ... | ... | ... | 76.2 | ... | ... | 113 | ... | ||||
| Other Cost | EUR mil | ... | ... | ... | ... | ... | 826 | ... | ... | 5,591 | ... | ||||
| Operating Cost | EUR mil | 2,594 | 2,320 | 3,803 | 3,211 | 7,479 | |||||||||
| Operating Profit | EUR mil | 1,164 | 1,161 | 1,868 | 1,267 | -148 | |||||||||
| Provisions | EUR mil | 1,663 | 3,476 | 1,219 | 2,958 | 1,299 | |||||||||
| Extra and Other Cost | EUR mil | 44.4 | 4.79 | -63.1 | -312 | -41.4 | |||||||||
| Pre-Tax Profit | EUR mil | -544 | -2,319 | 713 | -1,380 | -1,406 | |||||||||
| Tax | EUR mil | -51.3 | -727 | -4.60 | -440 | -1,322 | |||||||||
| Minorities | EUR mil | -13.7 | -38.7 | -14.9 | -19.4 | -9.66 | |||||||||
| Net Profit | EUR mil | -479 | -1,554 | 732 | -921 | -73.8 | |||||||||
| Dividends | EUR mil | ... | 0 | 0 | 0 | 0 | 0 | ||||||||
| growth rates | |||||||||||||||
| Net Interest Income Growth | % | ... | -6.03 | -5.60 | 52.4 | -12.9 | -3.74 | ||||||||
| Net Fee Income Growth | % | ... | 1.67 | -0.529 | 47.2 | ... | ... | ... | |||||||
| Total Revenue Growth | % | ... | -4.82 | -7.35 | 62.9 | -21.0 | 63.7 | ||||||||
| Operating Cost Growth | % | ... | 8.32 | -10.6 | 63.9 | -15.5 | 133 | ||||||||
| Operating Profit Growth | % | ... | -25.1 | -0.212 | 60.9 | -32.2 | -112 | ||||||||
| Pre-Tax Profit Growth | % | ... | 62.7 | 326 | -131 | -294 | 1.88 | ||||||||
| Net Profit Growth | % | ... | -8.50 | 224 | -147 | -226 | -92.0 |
| balance sheet | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| balance sheet | |||||||||||||||
| Cash | EUR mil | 640 | 620 | 888 | 898 | 977 | |||||||||
| Interbank Loans | EUR mil | 11,636 | 12,262 | 5,037 | 6,678 | 11,529 | |||||||||
| Customer Loans | EUR mil | 78,267 | 72,620 | 112,536 | 110,551 | 101,812 | |||||||||
| Retail Loans | EUR mil | ... | ... | ... | 54,560 | 50,206 | ... | ... | 78,095 | ... | |||||
| Mortgage Loans | EUR mil | ... | ... | ... | 40,434 | 38,353 | ... | ... | 62,664 | ... | |||||
| Consumer Loans | EUR mil | ... | ... | ... | 14,126 | 11,852 | ... | ... | 15,431 | ... | |||||
| Debt Securities | EUR mil | 20,139 | 22,567 | 38,001 | 36,580 | 31,725 | |||||||||
| Fixed Assets | EUR mil | 2,052 | 2,140 | 2,853 | 2,696 | 2,735 | |||||||||
| Intangible Assets | EUR mil | 2,299 | 2,050 | 2,179 | 1,834 | 1,297 | |||||||||
| Goodwill | EUR mil | ... | 1,589 | 1,389 | 1,389 | ... | 76.4 | ... | |||||||
| Total Assets | EUR mil | 125,402 | 123,082 | 171,415 | 168,255 | 161,207 | |||||||||
| Shareholders' Equity | EUR mil | 8,523 | 8,076 | 14,159 | 11,999 | 11,964 | |||||||||
| Of Which Minority Interest | EUR mil | 349 | 12.1 | 65.7 | 58.2 | 63.3 | |||||||||
| Liabilities | EUR mil | 116,879 | 115,005 | 157,256 | 156,256 | 149,243 | |||||||||
| Interbank Borrowing | EUR mil | 23,901 | 26,056 | 29,854 | 23,276 | 39,322 | |||||||||
| Customer Deposits | EUR mil | 41,219 | 46,107 | 82,093 | 116,773 | 83,668 | |||||||||
| Sight Deposits | EUR mil | ... | 37,045 | 40,806 | ... | ... | 77,391 | ... | |||||||
| Term Deposits | EUR mil | ... | 2,619 | 3,732 | ... | ... | 3,598 | ... | |||||||
| Issued Debt Securities | EUR mil | 20,358 | 16,710 | 25,194 | ... | 16,248 | |||||||||
| Other Liabilities | EUR mil | 31,400 | 26,133 | 20,116 | ... | 10,006 | |||||||||
| asset quality | |||||||||||||||
| Non-Performing Loans | EUR mil | ... | 19,243 | 19,248 | 18,334 | 25,915 | 25,435 | ||||||||
| Gross Loans | EUR mil | ... | 83,700 | 80,458 | ... | 120,669 | 114,554 | ||||||||
| Total Provisions | EUR mil | ... | 5,434 | 7,838 | ... | 10,118 | 12,742 | ||||||||
| growth rates | |||||||||||||||
| Customer Loan Growth | % | ... | -5.72 | -7.21 | 55.0 | -1.76 | -7.90 | ||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | -6.34 | -7.98 | ... | ... | ... | ... | ||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | -6.02 | -5.15 | ... | ... | ... | ... | ||||
| Consumer Loan Growth | % | ... | ... | ... | ... | -7.24 | -16.1 | ... | ... | ... | ... | ||||
| Total Asset Growth | % | ... | -4.94 | -1.85 | 39.3 | -1.84 | -4.19 | ||||||||
| Shareholders' Equity Growth | % | ... | -5.10 | -5.24 | 75.3 | -15.3 | -0.297 | ||||||||
| Customer Deposit Growth | % | ... | 1.64 | 11.9 | 78.1 | 42.2 | -28.3 |
| ratios | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| ratios | |||||||||||||||
| ROE | % | ... | -5.47 | -18.7 | 6.58 | -7.04 | -0.616 | ||||||||
| ROA | % | ... | 1.44 | 1.54 | 2.02 | 1.14 | -0.140 | ||||||||
| Costs (As % Of Assets) | % | ... | 3.22 | 3.08 | 4.11 | 2.88 | 7.04 | ||||||||
| Costs (As % Of Income) | % | 69.0 | 66.6 | 67.1 | 71.7 | 102 | |||||||||
| Capital Adequacy Ratio | % | ... | 13.3 | 14.6 | 15.9 | ... | 15.2 | ||||||||
| Tier 1 Ratio | % | ... | 10.6 | 12.3 | 13.2 | ... | 12.7 | ||||||||
| Net Interest Margin | % | ... | 1.31 | 1.28 | 1.64 | 1.24 | 1.23 | ||||||||
| Interest Spread | % | ... | 1.20 | 1.18 | 1.56 | ... | 1.19 | ... | |||||||
| Asset Yield | % | ... | 2.81 | 2.65 | 2.70 | 1.24 | 1.79 | ||||||||
| Cost Of Liabilities | % | ... | 1.61 | 1.47 | 1.14 | ... | 0.604 | ... | |||||||
| Payout Ratio | % | ... | 0 | 0 | 0 | 0 | 0 | ||||||||
| Interest Income (As % Of Revenues) | % | 44.8 | 45.6 | 42.7 | 47.1 | 27.7 | |||||||||
| Fee Income (As % Of Revenues) | % | 36.9 | 39.6 | 35.8 | ... | 26.6 | ... | ||||||||
| Other Income (As % Of Revenues) | % | 18.3 | 14.8 | 21.5 | ... | 45.7 | ... | ||||||||
| Cost Per Employee | USD per month | 9,238 | 13,319 | ... | 8,246 | 7,140 | |||||||||
| Cost Per Employee (Local Currency) | EUR per month | 6,959 | 10,333 | ... | 7,691 | 6,359 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 55.3 | 61.1 | 53.5 | 69.9 | 23.7 | |||||||||
| Equity (As % Of Assets) | % | 10.9 | 11.1 | 12.6 | 10.9 | 11.8 | |||||||||
| Loans (As % Of Deposits) | % | 190 | 158 | 137 | 94.7 | 122 | |||||||||
| Loans (As % Assets) | % | 62.4 | 59.0 | 65.7 | 65.7 | 63.2 | |||||||||
| NPLs (As % Of Loans) | % | ... | 23.0 | 23.9 | ... | 21.5 | 22.2 | ||||||||
| Provisions (As % Of NPLs) | % | ... | 28.2 | 40.7 | ... | 39.0 | 50.1 | ||||||||
| Provisions (As % Of Loans) | % | ... | 6.94 | 10.8 | ... | 9.15 | 12.5 | ||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 2.06 | 4.61 | 1.32 | 2.65 | 1.22 |
| other data | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| other data | |||||||||||||||
| Branches | 1,990 | 1,812 | 1,813 | 2,295 | 2,320 | ||||||||||
| Employees | 17,179 | 11,441 | ... | 24,330 | 23,263 | ||||||||||
| Sight (As % Of Customer Deposits) | % | ... | 89.9 | 88.5 | ... | ... | 92.5 | ... | |||||||
| Risk-Weighted Assets | EUR mil | ... | 49,319 | 47,987 | 44,744 | 74,600 | 75,896 | ||||||||
| Return on Loans | % | -0.594 | -2.06 | 0.791 | -0.826 | -0.069 | |||||||||
| Operating Profit (As % of Loans) | % | ... | 1.44 | 1.54 | 2.02 | 1.14 | -0.140 | ||||||||
| Costs (As % Of Loans) | % | ... | 3.22 | 3.08 | 4.11 | 2.88 | 7.04 | ||||||||
| Equity (As % Of Loans) | % | 10.9 | 11.1 | 12.6 | 10.9 | 11.8 |
Get all company financials in excel:
By Helgi Library - February 19, 2020
Banco BPM employed 21,941 persons in 2019-12-31, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 24,330 persons in 2016-12-31 and an all time low of 15,783 in 2015-12-31. Average cost reached USD 7,343 per mon...
By Helgi Library - February 19, 2020
Banco BPM stock traded at EUR 2.03 per share at the end fourth quarter of 2019 implying a market capitalization of USD 3,450 mil. Since the end of 4Q2014, the stock has depreciated by -72.8 % implying an annual average growth of -22.9 %. In absolute terms, the value o...
By Helgi Library - February 19, 2020
Banco BPM stock traded at EUR 2.03 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 3,450 mil. Over the last five years, the stock has depreciated by 72.8 implying an annual average growth of -22.9% In absolute terms,...
By Helgi Library - February 19, 2020
Banco BPM's Equity reached of total assets in the 4Q2019, up from 6.13% for the previous year. As a share of net customer loans, the ratio amounted to at the end of the fourth quarter of 2019. ...
By Helgi Library - February 19, 2020
Banco BPM's customer loan growth reached 9.85% in 2019-12-31, up from -5.36% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 53.8% in 2016-12-31 and an all time low of -8.04% in 2012-06-30. In the last deca...
By Helgi Library - February 19, 2020
Banco BPM's non-performing loans reached 9.11% of total loans at the end of 2019, down from 11.4% compared to the previous year. Historically, the NPL ratio hit an all time high of 23.9% in 2014 and an all time low of 4.87% in 2007. Provision coverage amoun...
By Helgi Library - February 19, 2020
Banco BPM made a net profit of EUR 661 mil under revenues of EUR 4,162 mil in 2019, up 75.926798304097% and -12.712911324439% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 933 mil in 2006 and an all time l...
By Helgi Library - February 19, 2020
Banco BPM's capital adequacy ratio reached 17.5% at the end of 2019, up from 14.7% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 17.5% in 2019 and an all time low of 8.72% in 2007. The Tier 1 ratio amounted to ...
By Helgi Library - February 19, 2020
Banco BPM employed 21,941 persons in 2019, down 1.38% when compared to the previous year. Historically, the bank's workforce hit an all time high of 24,330 persons in 2016 and an all time low of 11,441 in 2014. Average cost reached USD 7,547 per month per employe...
By Helgi Library - February 19, 2020
Banco BPM stock traded at EUR 2.03 per share at the end 2019 implying a market capitalization of USD 3,450 mil. Since the end of 2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the company rose b...
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