Cassa Depositi e Prestiti

Cassa Depositi e Prestiti's npls (as % of loans) fell 1.71% to 0.153% in 2018

By Helgi Analytics - February 19, 2020

Cassa Depositi e Prestiti's non-performing loans reached 0.153% of total loans at the end of 2018, down from 0.155% compared to t...

Cassa Depositi e Prestiti's net profit fell 1.77% to EUR 2,891 mil in 2018

By Helgi Analytics - February 19, 2020

Cassa Depositi e Prestiti made a net profit of EUR 2,891 mil under revenues of EUR 15,830 mil in 2018, up -1.7706662679751% and 9.0009571...

Cassa Depositi e Prestiti's net interest margin rose 24.3% to 0.828% in 2018

By Helgi Analytics - February 19, 2020

Cassa Depositi e Prestiti's net interest margin amounted to 0.828% in 2018, up from 0.666% compared to the previous year. ...

Profit Statement 2016 2017 2018
Net Interest Income EUR mil 2,111 2,766 3,497
Fee Income (As % Of Revenues) % -11.7 -10.1 -7.11
Other Income EUR mil 11,857 13,226 13,459
Total Revenues EUR mil 12,505 14,523 15,830
Staff Cost EUR mil 1,700 1,810 1,957
Operating Profit EUR mil 3,988 5,610 6,360
Provisions EUR mil -182 -30.0 111
Net Profit EUR mil 250 2,943 2,891
Balance Sheet 2016 2017 2018
Interbank Loans EUR mil 31,768 43,138 24,878
Customer Loans EUR mil 257,919 286,549 305,197
Debt Securities EUR mil 43,576 12,998 15,787
Total Assets EUR mil 410,522 419,534 425,083
Shareholders' Equity EUR mil 35,776 35,921 36,733
Interbank Borrowing EUR mil 39,700 47,209 65,258
Customer Deposits EUR mil 288,471 279,243 264,517
Issued Debt Securities EUR mil 28,108 37,238 37,013
Ratios 2016 2017 2018
ROE % 0.712 8.21 7.96
ROA % 1.55 2.06 2.15
Costs (As % Of Assets) % 3.32 3.27 3.20
Costs (As % Of Income) % 68.1 61.4 59.8
Net Interest Margin % 0.522 0.666 0.828
Loans (As % Of Deposits) % 89.4 103 115
NPLs (As % Of Loans) % 0.147 0.155 0.153
Provisions (As % Of NPLs) % 98.3 142 242
Growth Rates 2016 2017 2018
Total Revenue Growth % 5.14 16.1 9.00
Operating Cost Growth % 5.78 4.65 6.25
Operating Profit Growth % 3.79 40.7 13.4
Net Profit Growth % -111 1,075 -1.77
Customer Loan Growth % 0.893 11.1 6.51
Total Asset Growth % 2.92 2.20 1.32
Customer Deposit Growth % 0.376 -3.20 -5.27
Shareholders' Equity Growth % 3.54 0.407 2.26
Employees 31,193 32,256 32,020

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summary Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                      
Net Interest Income EUR mil         3,449 2,861 963 560 2,111    
Total Revenues EUR mil         5,412 9,219 12,174 11,894 12,505    
Operating Profit EUR mil         4,402 4,398 4,421 3,842 3,988    
Net Profit EUR mil         2,924 2,501 1,158 -2,246 250    
balance sheet                      
Interbank Loans EUR mil         18,503 18,673 28,775 34,350 31,768    
Customer Loans EUR mil         240,752 245,792 267,427 255,636 257,919    
Debt Securities EUR mil         29,265 29,104 31,094 33,766 43,576    
Total Assets EUR mil         328,551 340,467 401,680 398,871 410,522    
Shareholders' Equity EUR mil         21,057 23,501 35,157 34,554 35,776    
Interbank Borrowing EUR mil         36,450 28,392 22,208 28,173 39,700    
Customer Deposits EUR mil         241,673 258,783 296,257 287,391 288,471    
Issued Debt Securities EUR mil         13,218 13,568 26,915 30,086 28,108    
ratios                      
ROE % ...       14.8 11.2 3.95 -6.45 0.712    
ROA % ...       1.91 1.81 1.72 1.47 1.55    
Costs (As % Of Assets) % ...       0.438 1.98 3.02 3.08 3.32    
Costs (As % Of Income) %         18.7 52.3 63.7 67.7 68.1    
Net Interest Margin % ...       1.12 0.855 0.260 0.140 0.522    
Interest Income (As % Of Revenues) %         63.7 31.0 7.91 4.71 16.9    
Fee Income (As % Of Revenues) %         -28.7 -16.8 -13.4 -13.3 -11.7    
Staff Cost (As % Of Total Cost) %         26.0 24.4 21.8 21.4 20.0    
Equity (As % Of Assets) %         8.75 9.56 13.1 13.5 13.9    
Loans (As % Of Deposits) %         99.6 95.0 90.3 89.0 89.4    
Loans (As % Assets) %         73.3 72.2 66.6 64.1 62.8    
NPLs (As % Of Loans) %         0.021 0.084 0.127 0.158 0.147    
Provisions (As % Of NPLs) %         162 57.4 67.8 79.1 98.3    
income statement Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                      
Interest Income EUR mil         10,662 9,189 7,227 6,140 6,999    
Interest Cost EUR mil         7,213 6,328 6,264 5,580 4,888    
Net Interest Income EUR mil         3,449 2,861 963 560 2,111    
Net Fee Income EUR mil         -1,555 -1,548 -1,633 -1,577 -1,463    
Other Income EUR mil         3,517 7,906 12,844 12,910 11,857    
Total Revenues EUR mil         5,412 9,219 12,174 11,894 12,505    
Staff Cost EUR mil         263 1,178 1,687 1,721 1,700    
Depreciation EUR mil         417 505 1,235 1,267 1,302    
Other Cost EUR mil         330 3,138 4,831 5,064 5,515    
Operating Cost EUR mil         1,010 4,821 7,753 8,052 8,517    
Operating Profit EUR mil         4,402 4,398 4,421 3,842 3,988    
Provisions EUR mil         22.1 53.7 125 120 -182    
Extra and Other Cost EUR mil         -30.8 217 1,128 4,072 2,177    
Pre-Tax Profit EUR mil         4,411 4,127 3,168 -350 1,992    
Tax EUR mil         1,179 1,228 671 515 766    
Minorities EUR mil         308 398 1,501 1,389 975    
Net Profit EUR mil         2,924 2,501 1,158 -2,246 250    
growth rates                      
Net Interest Income Growth % ...       55.6 -17.0 -66.3 -41.9 277    
Net Fee Income Growth % ...       4.84 -0.427 5.48 -3.44 -7.19    
Total Revenue Growth % ...       42.4 70.4 32.0 -2.30 5.14    
Operating Cost Growth % ...       6.69 377 60.8 3.85 5.78    
Operating Profit Growth % ...       54.2 -0.084 0.508 -13.1 3.79    
Pre-Tax Profit Growth % ...       44.3 -6.43 -23.2 -111 -669    
Net Profit Growth % ...       34.9 -14.5 -53.7 -294 -111    
balance sheet Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                      
Cash EUR mil         0.350 0.737 0.689 0.781 1.42    
Interbank Loans EUR mil         18,503 18,673 28,775 34,350 31,768    
Customer Loans EUR mil         240,752 245,792 267,427 255,636 257,919    
Retail Loans EUR mil ... ... ... ... ... ... ... ... 241,616    
Mortgage Loans EUR mil ... ... ... ... ... ... ... ... 93,282    
Consumer Loans EUR mil ... ... ... ... ... ... ... ... 148,334    
Debt Securities EUR mil         29,265 29,104 31,094 33,766 43,576    
Fixed Assets EUR mil         12,157 13,525 33,444 34,622 35,159    
Intangible Assets EUR mil         824 2,790 7,886 7,939 7,935    
Goodwill EUR mil         486 1,794 712 650 660    
Total Assets EUR mil         328,551 340,467 401,680 398,871 410,522    
Shareholders' Equity EUR mil         21,057 23,501 35,157 34,554 35,776    
Of Which Minority Interest EUR mil         2,874 4,205 13,786 14,355 13,151    
Liabilities EUR mil         307,494 316,967 366,523 364,317 374,746    
Interbank Borrowing EUR mil         36,450 28,392 22,208 28,173 39,700    
Customer Deposits EUR mil         241,673 258,783 296,257 287,391 288,471    
Sight Deposits EUR mil         127 6.71 0.450 6.41 359    
Term Deposits EUR mil ... ...     232,063 251,573 288,546 281,160 282,417    
Issued Debt Securities EUR mil         13,218 13,568 26,915 30,086 28,108    
Other Liabilities EUR mil         16,153 16,225 21,144 18,667 18,468    
asset quality                      
Non-Performing Loans EUR mil         50.7 206 339 405 380    
Gross Loans EUR mil         240,834 245,911 267,656 255,956 258,293    
Total Provisions EUR mil         82.1 118 230 320 374    
growth rates                      
Customer Loan Growth % ...       9.42 2.09 8.80 -4.41 0.893    
Retail Loan Growth % ... ... ... ... ... ... ... ... ...    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ...    
Consumer Loan Growth % ... ... ... ... ... ... ... ... ...    
Total Asset Growth % ...       14.4 3.63 18.0 -0.700 2.92    
Shareholders' Equity Growth % ...       14.8 11.6 49.6 -1.72 3.54    
Customer Deposit Growth % ...       6.73 7.08 14.5 -2.99 0.376    
ratios Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                      
ROE % ...       14.8 11.2 3.95 -6.45 0.712    
ROA % ...       1.91 1.81 1.72 1.47 1.55    
Costs (As % Of Assets) % ...       0.438 1.98 3.02 3.08 3.32    
Costs (As % Of Income) %         18.7 52.3 63.7 67.7 68.1    
Net Interest Margin % ...       1.12 0.855 0.260 0.140 0.522    
Interest Spread % ...       0.960 0.720 0.115 0.007 0.407    
Asset Yield % ...       3.46 2.75 1.95 1.53 1.73    
Cost Of Liabilities % ...       2.50 2.03 1.83 1.53 1.32    
Interest Income (As % Of Revenues) %         63.7 31.0 7.91 4.71 16.9    
Fee Income (As % Of Revenues) %         -28.7 -16.8 -13.4 -13.3 -11.7    
Other Income (As % Of Revenues) %         65.0 85.8 106 109 94.8    
Cost Per Employee USD per month ... ... ... ... ... ... ... 4,978 4,869    
Cost Per Employee (Local Currency) EUR per month ... ... ... ... ... ... ... 4,343 4,541    
Staff Cost (As % Of Total Cost) %         26.0 24.4 21.8 21.4 20.0    
Equity (As % Of Assets) %         8.75 9.56 13.1 13.5 13.9    
Loans (As % Of Deposits) %         99.6 95.0 90.3 89.0 89.4    
Loans (As % Assets) %         73.3 72.2 66.6 64.1 62.8    
NPLs (As % Of Loans) %         0.021 0.084 0.127 0.158 0.147    
Provisions (As % Of NPLs) %         162 57.4 67.8 79.1 98.3    
Provisions (As % Of Loans) %         0.034 0.048 0.086 0.125 0.145    
Cost of Provisions (As % Of Loans) % ...       0.010 0.022 0.049 0.046 -0.071    
other data Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                      
Employees ... ... ... ... ... ... ... 33,015 31,193    
Sight (As % Of Customer Deposits) %         0.053 0.003 < 0.001 0.002 0.124    
Return on Loans % ...       1.27 1.03 0.451 -0.859 0.098    
Operating Profit (As % of Loans) % ...       1.91 1.81 1.72 1.47 1.55    
Costs (As % Of Loans) % ...       0.438 1.98 3.02 3.08 3.32    
Equity (As % Of Loans) %         8.75 9.56 13.1 13.5 13.9    

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Cassa Depositi e Prestiti's net interest income rose 26.4% to EUR 3,497 mil in 2018

By Helgi Analytics - February 19, 2020

Cassa Depositi e Prestiti generated total banking revenues of EUR 15,830 mil in 2018, up 9.0009571091173% 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 ...

Cassa Depositi e Prestiti's customer loan growth fell 41.4% to 6.51% in 2018

By Helgi Analytics - February 19, 2020

Cassa Depositi e Prestiti's customer loan growth reached 6.51% in 2018, down from 11.1% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 144% in 2011 and an all time low of -4.41% in 2015. In the last decade...

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