Credit Agricole Italia

Credit Agricole Italia's capital adequacy ratio rose 11.3% yoy to 16.8% in 2018

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. ...

Credit Agricole Italia's net interest margin rose 5.47% yoy to 1.54% in 2018

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...

Credit Agricole Italia's net profit fell 18.9% yoy to EUR 274 mil in 2018

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
Fee Income (As % Of Revenues) % 35.4 30.2 39.4
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
Debt Securities EUR mil 5,515 7,653 3,386
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

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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    

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Credit Agricole Italia's npls (as % of loans) fell 36.5% yoy to 6.92% in 2018

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...

Credit Agricole Italia's customer loan growth rose 8.30% yoy to 16.2% in 2018

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...

Credit Agricole Italia's net interest income rose 15.0% yoy to EUR 1,006 mil in 2018

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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