By Helgi Analytics - February 19, 2020
Credit Agricole Italia's capital adequacy ratio reached 16.8% at the end of 2018, up from 15.1% compared to the previous year. ...
By Helgi Analytics - February 19, 2020
Credit Agricole Italia's net interest margin amounted to 1.54% in 2018, up from 1.46% compared to the previous year. Histo...
By Helgi Analytics - February 19, 2020
Credit Agricole Italia made a net profit of EUR 274 mil under revenues of EUR 2,265 mil in 2018, up -18.9% and -6.97% respectively co...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | EUR mil | 884 | 875 | 1,006 |
| Net Fee Income | EUR mil | 681 | 734 | 892 |
| Other Income | EUR mil | 356 | 826 | 368 |
| Total Revenues | EUR mil | 1,920 | 2,435 | 2,265 |
| Staff Cost | EUR mil | 637 | 611 | 742 |
| Operating Profit | EUR mil | 569 | 565 | 704 |
| Provisions | EUR mil | 221 | 213 | 251 |
| Net Profit | EUR mil | 208 | 338 | 274 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | EUR mil | 4,384 | 7,581 | 3,537 |
| Customer Loans | EUR mil | 38,209 | 43,909 | 51,001 |
| Total Assets | EUR mil | 52,992 | 66,713 | 63,750 |
| Shareholders' Equity | EUR mil | 5,288 | 6,374 | 6,379 |
| Interbank Borrowing | EUR mil | 5,039 | 7,145 | 6,103 |
| Customer Deposits | EUR mil | 31,137 | 40,566 | 39,699 |
| Issued Debt Securities | EUR mil | 8,756 | 9,716 | 8,460 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 3.99 | 5.80 | 4.30 |
| ROA | % | 1.53 | 1.38 | 1.48 |
| Costs (As % Of Assets) | % | 3.62 | 4.55 | 3.29 |
| Costs (As % Of Income) | % | 70.3 | 76.8 | 68.9 |
| Capital Adequacy Ratio | % | 13.3 | 15.1 | 16.8 |
| Net Interest Margin | % | 1.69 | 1.46 | 1.54 |
| Loans (As % Of Deposits) | % | 123 | 108 | 128 |
| NPLs (As % Of Loans) | % | 12.4 | 10.9 | 6.92 |
| Provisions (As % Of NPLs) | % | 45.8 | 49.4 | 60.1 |
| Growth Rates | 2016 | 2017 | 2018 | |
| Total Revenue Growth | % | -2.25 | 26.8 | -6.97 |
| Operating Cost Growth | % | 5.04 | 38.4 | -16.5 |
| Operating Profit Growth | % | -16.1 | -0.710 | 24.5 |
| Net Profit Growth | % | -5.67 | 62.4 | -18.9 |
| Customer Loan Growth | % | 4.79 | 14.9 | 16.2 |
| Total Asset Growth | % | 3.15 | 25.9 | -4.44 |
| Customer Deposit Growth | % | 9.63 | 30.3 | -2.14 |
| Shareholders' Equity Growth | % | 2.91 | 20.5 | 0.072 |
| Employees | 8,269 | 10,271 | 9,878 | |
Get all company financials in excel:
| summary | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||
| Net Interest Income | EUR mil | 968 | 910 | 950 | 949 | 884 | ||||||
| Total Revenues | EUR mil | 1,906 | 1,925 | 1,932 | 1,964 | 1,920 | ||||||
| Operating Profit | EUR mil | 505 | 704 | 710 | 679 | 569 | ||||||
| Net Profit | EUR mil | 160 | 150 | 160 | 221 | 208 | ||||||
| balance sheet | ||||||||||||
| Interbank Loans | EUR mil | 4,124 | 3,306 | 3,278 | 2,869 | 4,384 | ||||||
| Customer Loans | EUR mil | 35,128 | 36,392 | 37,276 | 36,463 | 38,209 | ||||||
| Debt Securities | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | 5,515 | ||
| Total Assets | EUR mil | 49,322 | 50,163 | 52,204 | 51,373 | 52,992 | ||||||
| Shareholders' Equity | EUR mil | 4,578 | 4,798 | 4,980 | 5,138 | 5,288 | ||||||
| Interbank Borrowing | EUR mil | 5,275 | 6,085 | 7,061 | 4,408 | 5,039 | ||||||
| Customer Deposits | EUR mil | 22,265 | 23,361 | 25,255 | 28,402 | 31,137 | ||||||
| Issued Debt Securities | EUR mil | 13,956 | 13,233 | 11,832 | 10,597 | 8,756 | ||||||
| ratios | ||||||||||||
| ROE | % | ... | 3.61 | 3.21 | 3.28 | 4.36 | 3.99 | |||||
| ROA | % | ... | 1.45 | 1.97 | 1.93 | 1.84 | 1.53 | |||||
| Costs (As % Of Assets) | % | ... | 4.01 | 3.41 | 3.32 | 3.49 | 3.62 | |||||
| Costs (As % Of Income) | % | 73.5 | 63.4 | 63.2 | 65.5 | 70.3 | ||||||
| Capital Adequacy Ratio | % | 12.3 | 13.4 | 13.5 | 13.5 | 13.3 | ||||||
| Net Interest Margin | % | ... | 1.96 | 1.83 | 1.86 | 1.83 | 1.69 | |||||
| Interest Income (As % Of Revenues) | % | 50.8 | 47.3 | 49.2 | 48.3 | 46.0 | ||||||
| Fee Income (As % Of Revenues) | % | 31.3 | 30.5 | 33.6 | 34.2 | 35.4 | ||||||
| Staff Cost (As % Of Total Cost) | % | 52.4 | 48.7 | 47.5 | 45.5 | 47.2 | ||||||
| Equity (As % Of Assets) | % | 13.0 | 13.2 | 13.4 | 14.1 | 13.8 | ||||||
| Loans (As % Of Deposits) | % | 158 | 156 | 148 | 128 | 123 | ||||||
| Loans (As % Assets) | % | 71.2 | 72.5 | 71.4 | 71.0 | 72.1 | ||||||
| NPLs (As % Of Loans) | % | ... | 8.22 | 10.0 | 13.1 | 14.1 | 12.4 | |||||
| Provisions (As % Of NPLs) | % | ... | 44.8 | 46.9 | ... | ... | 45.8 | |||||
| valuation | ||||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | 877 | 877 | 877 | ||
| Earnings Per Share (EPS) | EUR | ... | ... | ... | ... | ... | ... | 0.183 | 0.252 | 0.237 | ||
| Book Value Per Share | EUR | ... | ... | ... | ... | ... | ... | 5.68 | 5.86 | 6.03 | ||
| Dividend Per Share | EUR | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | ||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | 37.7 | -5.64 | ||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | 3.18 | 2.91 |
| income statement | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||
| Interest Income | EUR mil | 1,546 | 1,431 | 1,401 | 1,253 | 1,080 | ||||||
| Interest Cost | EUR mil | 578 | 520 | 451 | 304 | 196 | ||||||
| Net Interest Income | EUR mil | 968 | 910 | 950 | 949 | 884 | ||||||
| Net Fee Income | EUR mil | 596 | 588 | 649 | 672 | 681 | ||||||
| Other Income | EUR mil | 341 | 427 | 333 | 343 | 356 | ||||||
| Total Revenues | EUR mil | 1,906 | 1,925 | 1,932 | 1,964 | 1,920 | ||||||
| Staff Cost | EUR mil | 733 | 595 | 581 | 586 | 637 | ||||||
| Depreciation | EUR mil | 30.8 | 29.4 | ... | ... | ... | ||||||
| Other Cost | EUR mil | 636 | 597 | ... | ... | ... | ||||||
| Operating Cost | EUR mil | 1,400 | 1,221 | 1,222 | 1,286 | 1,351 | ||||||
| Operating Profit | EUR mil | 505 | 704 | 710 | 679 | 569 | ||||||
| Provisions | EUR mil | 373 | 480 | 391 | 312 | 221 | ||||||
| Extra and Other Cost | EUR mil | -31.1 | 26.7 | 26.6 | 17.3 | 20.1 | ||||||
| Pre-Tax Profit | EUR mil | 163 | 197 | 293 | 350 | 328 | ||||||
| Tax | EUR mil | 1.56 | 39.5 | 124 | 119 | 109 | ||||||
| Minorities | EUR mil | 1.65 | 6.73 | 8.93 | 10.2 | 10.8 | ||||||
| Net Profit | EUR mil | 160 | 150 | 160 | 221 | 208 | ||||||
| Dividends | EUR mil | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | ||
| growth rates | ||||||||||||
| Net Interest Income Growth | % | ... | -7.79 | -5.98 | 4.36 | -0.118 | -6.86 | |||||
| Net Fee Income Growth | % | ... | 5.17 | -1.40 | 10.5 | 3.51 | 1.25 | |||||
| Total Revenue Growth | % | ... | 1.77 | 1.01 | 0.379 | 1.68 | -2.25 | |||||
| Operating Cost Growth | % | ... | 8.22 | -12.8 | 0.057 | 5.24 | 5.04 | |||||
| Operating Profit Growth | % | ... | -12.7 | 39.2 | 0.938 | -4.45 | -16.1 | |||||
| Pre-Tax Profit Growth | % | ... | -41.6 | 20.5 | 48.8 | 19.4 | -6.09 | |||||
| Net Profit Growth | % | ... | -20.1 | -5.99 | 6.45 | 37.8 | -5.67 |
| balance sheet | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | ||||||||||||
| Cash | EUR mil | 286 | 334 | 285 | 1,390 | 224 | ||||||
| Interbank Loans | EUR mil | 4,124 | 3,306 | 3,278 | 2,869 | 4,384 | ||||||
| Customer Loans | EUR mil | 35,128 | 36,392 | 37,276 | 36,463 | 38,209 | ||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | ... | 27,088 | 27,015 | 27,562 | ||
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | 24,419 | ||
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | 3,143 | ||
| Debt Securities | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | 5,515 | ||
| Fixed Assets | EUR mil | 443 | 443 | 460 | 488 | 519 | ||||||
| Intangible Assets | EUR mil | 1,946 | 1,928 | 1,907 | 1,894 | 1,888 | ||||||
| Goodwill | EUR mil | 1,576 | 1,576 | 1,576 | 1,576 | 1,576 | ||||||
| Total Assets | EUR mil | 49,322 | 50,163 | 52,204 | 51,373 | 52,992 | ||||||
| Shareholders' Equity | EUR mil | 4,578 | 4,798 | 4,980 | 5,138 | 5,288 | ||||||
| Of Which Minority Interest | EUR mil | 195 | 199 | 211 | 215 | 206 | ||||||
| Liabilities | EUR mil | 44,744 | 45,365 | 47,224 | 46,235 | 47,704 | ||||||
| Interbank Borrowing | EUR mil | 5,275 | 6,085 | 7,061 | 4,408 | 5,039 | ||||||
| Customer Deposits | EUR mil | 22,265 | 23,361 | 25,255 | 28,402 | 31,137 | ||||||
| Sight Deposits | EUR mil | ... | ... | ... | ... | ... | ... | 24,166 | 27,299 | 29,957 | ||
| Term Deposits | EUR mil | ... | ... | ... | ... | ... | ... | 914 | 908 | 910 | ||
| Issued Debt Securities | EUR mil | 13,956 | 13,233 | 11,832 | 10,597 | 8,756 | ||||||
| Other Liabilities | EUR mil | 3,249 | 2,686 | 3,077 | 2,828 | 2,772 | ||||||
| asset quality | ||||||||||||
| Non-Performing Loans | EUR mil | ... | 2,996 | 3,835 | 4,901 | 5,154 | 5,024 | |||||
| Gross Loans | EUR mil | ... | 36,471 | 38,189 | 37,276 | 36,463 | 40,509 | |||||
| Total Provisions | EUR mil | ... | 1,343 | 1,798 | ... | ... | 2,300 | |||||
| growth rates | ||||||||||||
| Customer Loan Growth | % | ... | 0.992 | 3.60 | 2.43 | -2.18 | 4.79 | |||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | -0.272 | 2.03 | ||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Total Asset Growth | % | ... | 0.064 | 1.70 | 4.07 | -1.59 | 3.15 | |||||
| Shareholders' Equity Growth | % | ... | 6.78 | 4.81 | 3.78 | 3.18 | 2.91 | |||||
| Customer Deposit Growth | % | ... | -2.73 | 4.92 | 8.11 | 12.5 | 9.63 |
| ratios | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | ||||||||||||
| ROE | % | ... | 3.61 | 3.21 | 3.28 | 4.36 | 3.99 | |||||
| ROA | % | ... | 1.45 | 1.97 | 1.93 | 1.84 | 1.53 | |||||
| Costs (As % Of Assets) | % | ... | 4.01 | 3.41 | 3.32 | 3.49 | 3.62 | |||||
| Costs (As % Of Income) | % | 73.5 | 63.4 | 63.2 | 65.5 | 70.3 | ||||||
| Capital Adequacy Ratio | % | 12.3 | 13.4 | 13.5 | 13.5 | 13.3 | ||||||
| Tier 1 Ratio | % | 9.40 | 10.9 | 11.2 | 11.4 | 11.8 | ||||||
| Net Interest Margin | % | ... | 1.96 | 1.83 | 1.86 | 1.83 | 1.69 | |||||
| Interest Spread | % | ... | 1.85 | 1.72 | 1.76 | 1.77 | 1.65 | |||||
| Asset Yield | % | ... | 3.14 | 2.88 | 2.74 | 2.42 | 2.07 | |||||
| Cost Of Liabilities | % | ... | 1.29 | 1.15 | 0.975 | 0.650 | 0.417 | |||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | ||
| Interest Income (As % Of Revenues) | % | 50.8 | 47.3 | 49.2 | 48.3 | 46.0 | ||||||
| Fee Income (As % Of Revenues) | % | 31.3 | 30.5 | 33.6 | 34.2 | 35.4 | ||||||
| Other Income (As % Of Revenues) | % | 17.9 | 22.2 | 17.2 | 17.5 | 18.5 | ||||||
| Cost Per Employee | USD per month | 8,947 | 8,062 | 7,408 | 6,825 | 6,882 | ||||||
| Cost Per Employee (Local Currency) | EUR per month | 6,962 | 6,073 | 5,747 | 5,954 | 6,419 | ||||||
| Staff Cost (As % Of Total Cost) | % | 52.4 | 48.7 | 47.5 | 45.5 | 47.2 | ||||||
| Equity (As % Of Assets) | % | 13.0 | 13.2 | 13.4 | 14.1 | 13.8 | ||||||
| Loans (As % Of Deposits) | % | 158 | 156 | 148 | 128 | 123 | ||||||
| Loans (As % Assets) | % | 71.2 | 72.5 | 71.4 | 71.0 | 72.1 | ||||||
| NPLs (As % Of Loans) | % | ... | 8.22 | 10.0 | 13.1 | 14.1 | 12.4 | |||||
| Provisions (As % Of NPLs) | % | ... | 44.8 | 46.9 | ... | ... | 45.8 | |||||
| Provisions (As % Of Loans) | % | ... | 3.82 | 4.94 | ... | ... | 6.02 | |||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.07 | 1.34 | 1.06 | 0.846 | 0.592 |
| other data | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | ||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | 815 | |||
| Employees | 8,775 | 8,165 | 8,424 | 8,197 | 8,269 | |||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | 95.7 | 96.1 | 96.2 | ||
| Risk-Weighted Assets | EUR mil | 29,808 | 23,310 | 23,589 | 23,388 | 24,130 | ||||||
| Return on Loans | % | ... | 0.458 | 0.421 | 0.435 | 0.598 | 0.557 | |||||
| Operating Profit (As % of Loans) | % | ... | 1.45 | 1.97 | 1.93 | 1.84 | 1.53 | |||||
| Costs (As % Of Loans) | % | ... | 4.01 | 3.41 | 3.32 | 3.49 | 3.62 | |||||
| Equity (As % Of Loans) | % | 13.0 | 13.2 | 13.4 | 14.1 | 13.8 |
Get all company financials in excel:
By Helgi Analytics - February 19, 2020
Credit Agricole Italia's non-performing loans reached 6.92% of total loans at the end of 2018, down from 10.9% compared to the previous year. Historically, the NPL ratio hit an all time high of 12.4% in 2016 and an all time low of 2.14% in 2009. Provision c...
By Helgi Analytics - February 19, 2020
Credit Agricole Italia's customer loan growth reached 16.2% in 2018, up from 14.9% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 16.2% in 2018 and an all time low of -2.18% in 2015. In the last decade, th...
By Helgi Analytics - February 19, 2020
Credit Agricole Italia generated total banking revenues of EUR 2,265 mil in 2018, down 6.97% 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 2,435 mil in ...
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