Credit Agricole

Credit Agricole's net profit rose 60.2% to EUR 1,222 mil in 2Q2019

By Helgi Analytics - November 05, 2019

Credit Agricole made a net profit of EUR 1,222 mil under revenues of EUR 5,144 mil in the second quarter of 2019, down 14.9% and ...

Credit Agricole's price/earnings (P/E) fell 38.9% to 6.18 in 2Q2019

By Helgi Analytics - November 05, 2019

Credit Agricole stock traded at 10.5 per share at the end second quarter of 2019 implying a market capitalization of USD 34,370 mil. Si...

Credit Agricole's market capitalisation (end of period) fell 0.809% to USD 34,370 mil in 2Q2019

By Helgi Analytics - November 05, 2019

Credit Agricole stock traded at 10.5 per share at the end of second quarter of 2019 implying a market capitalization of USD 34,370 mi...

Profit Statement 2016 2017 2018
Net Interest Income EUR mil 12,430 12,904 12,655
Fee Income (As % Of Revenues) % 12.6 15.4 15.9
Other Income EUR mil 7,247 7,936 9,344
Total Revenues EUR mil 22,523 24,645 26,158
Operating Profit EUR mil 11,280 12,747 14,931
Provisions EUR mil 1,787 1,422 1,081
Net Profit EUR mil 3,540 3,649 4,400
Balance Sheet 2016 2017 2018
Interbank Loans EUR mil 458,317 490,126 523,371
Customer Loans EUR mil 342,794 356,963 366,480
Debt Securities EUR mil 440,839 456,083 481,299
Total Assets EUR mil 1,524,230 1,550,280 1,624,390
Shareholders' Equity EUR mil 63,937 64,706 65,516
Interbank Borrowing EUR mil 200,225 232,102 235,102
Customer Deposits EUR mil 517,162 549,040 596,330
Ratios 2016 2017 2018
ROE % 5.74 5.67 6.76
ROA % 0.232 0.237 0.277
Costs (As % Of Assets) % 0.736 0.774 0.707
Costs (As % Of Income) % 49.9 48.3 42.9
Capital Adequacy Ratio % 20.1 18.3 17.8
Net Interest Margin % 0.814 0.839 0.797
Loans (As % Of Deposits) % 66.3 65.0 61.5
NPLs (As % Of Loans) % 4.41 4.28 3.58
Provisions (As % Of NPLs) % 69.3 63.6 71.0
Valuation 2016 2017 2018
Market Capitalisation (End Of Period) USD mil 35,370 47,047 30,901
Share Price (End Of Period) 12.2 13.8 9.46
Price/Earnings (P/E) 9.46 10.8 6.13
Price/Book Value (P/BV) 0.524 0.607 0.412
Dividend Yield % 5.09 4.57 7.32
Earnings Per Share (EPS) 1.29 1.28 1.54
Book Value Per Share 23.4 22.8 23.0
Dividend Per Share 0.623 0.630 0.692

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summary Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                          
Net Interest Income EUR mil                             14,947 13,120 11,911 12,072 12,430    
Total Revenues EUR mil                             21,803 21,568 21,536 22,132 22,523    
Operating Profit EUR mil                             10,475 9,868 11,593 10,312 11,280    
Net Profit EUR mil                             -6,389 2,510 2,344 3,516 3,540    
balance sheet                                          
Interbank Loans EUR mil                             484,927 456,853 455,295 453,069 458,317    
Customer Loans EUR mil                             313,038 301,388 311,987 326,469 342,794    
Debt Securities EUR mil                             397,054 406,778 441,916 430,945 440,839    
Total Assets EUR mil                             1,617,430 1,518,810 1,589,040 1,529,290 1,524,230    
Shareholders' Equity EUR mil                             45,679 47,883 56,161 59,435 63,937    
Interbank Borrowing EUR mil                             357,955 304,087 283,240 232,201 200,225    
Customer Deposits EUR mil                             462,162 466,048 464,384 501,882 517,162    
ratios                                          
ROE %                             -13.5 5.37 4.51 6.08 5.74    
ROA %                             -0.382 0.160 0.151 0.226 0.232    
Costs (As % Of Assets) %                             0.678 0.746 0.640 0.758 0.736    
Costs (As % Of Income) %                             52.0 54.2 46.2 53.4 49.9    
Capital Adequacy Ratio % ... ... ...                       13.2 15.8 19.6 20.3 20.1    
Net Interest Margin %                             0.895 0.837 0.767 0.774 0.814    
Interest Income (As % Of Revenues) %                             68.6 60.8 55.3 54.5 55.2    
Fee Income (As % Of Revenues) %                             10.9 11.4 13.0 13.2 12.6    
Equity (As % Of Assets) %                             2.82 3.15 3.53 3.89 4.19    
Loans (As % Of Deposits) %                             67.7 64.7 67.2 65.0 66.3    
Loans (As % Assets) %                             19.4 19.8 19.6 21.3 22.5    
NPLs (As % Of Loans) % ...                           5.33 5.42 5.05 4.38 4.41    
Provisions (As % Of NPLs) % ...                           70.6 66.4 67.5 72.7 69.3    
valuation                                          
Market Capitalisation (End Of Period) USD mil ... ... ... ...                     19,997 32,012 33,490 31,215 35,370    
Number Of Shares (Average) mil ... ... ... ...                     2,476 2,483 2,540 2,609 2,737    
Share Price (End Of Period) ... ... ... ...                     6.12 9.35 10.9 11.0 12.2    
Earnings Per Share (EPS) ... ... ... ...                     -2.58 1.01 0.923 1.35 1.29    
Book Value Per Share ... ... ... ...                     18.4 19.3 22.1 22.8 23.4    
Dividend Per Share ... ... ... ...                     0 0.352 0.354 0.606 0.623    
Price/Earnings (P/E) ... ... ... ...                   ... ... 9.25 11.8 8.15 9.46    
Price/Book Value (P/BV) ... ... ... ...                     0.332 0.485 0.493 0.482 0.524    
Dividend Yield % ... ... ... ...                     0 3.76 3.25 5.51 5.09    
Earnings Per Share Growth % ... ... ... ... ...                   327 -139 -8.70 46.0 -4.01    
Book Value Per Share Growth % ... ... ... ... ...                   -8.88 4.52 14.7 3.03 2.56    
income statement Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                          
Interest Income EUR mil                             32,563 29,034 27,443 26,783 25,741    
Interest Cost EUR mil                             17,616 15,914 15,532 14,711 13,311    
Net Interest Income EUR mil                             14,947 13,120 11,911 12,072 12,430    
Net Fee Income EUR mil                             2,378 2,465 2,806 2,919 2,846    
Other Income EUR mil                             4,478 5,983 6,819 7,141 7,247    
Total Revenues EUR mil                             21,803 21,568 21,536 22,132 22,523    
Operating Cost EUR mil                             11,328 11,700 9,943 11,820 11,244    
Operating Profit EUR mil                             10,475 9,868 11,593 10,312 11,280    
Provisions EUR mil                             3,703 2,894 2,204 2,293 1,787    
Extra and Other Cost EUR mil                             8,492 4,047 6,154 4,208 6,146    
Pre-Tax Profit EUR mil                             -1,720 2,927 3,235 3,811 3,347    
Tax EUR mil                             391 98.0 470 898 695    
Minorities EUR mil                             -42.0 375 416 455 415    
Net Profit EUR mil                             -6,389 2,510 2,344 3,516 3,540    
Dividends EUR mil   ... ...                       0 873 900 1,581 1,706    
growth rates                                          
Net Interest Income Growth % ...                           -0.691 -12.2 -9.21 1.35 2.97    
Net Fee Income Growth % ...                           -41.0 3.66 13.8 4.03 -2.50    
Total Revenue Growth % ...                           -11.5 -1.08 -0.148 2.77 1.77    
Operating Cost Growth % ...                           12.3 3.29 -15.0 18.9 -4.88    
Operating Profit Growth % ...                           -28.1 -5.80 17.5 -11.0 9.38    
Pre-Tax Profit Growth % ...                           -224 -270 10.5 17.8 -12.2    
Net Profit Growth % ...                           335 -139 -6.61 50.0 0.683    
balance sheet Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                                          
Cash EUR mil                             42,714 68,151 55,036 36,176 28,202    
Interbank Loans EUR mil                             484,927 456,853 455,295 453,069 458,317    
Customer Loans EUR mil                             313,038 301,388 311,987 326,469 342,794    
Debt Securities EUR mil                             397,054 406,778 441,916 430,945 440,839    
Fixed Assets EUR mil                             20,200 18,793 18,839 19,056 18,597    
Total Assets EUR mil                             1,617,430 1,518,810 1,589,040 1,529,290 1,524,230    
Shareholders' Equity EUR mil                             45,679 47,883 56,161 59,435 63,937    
Of Which Minority Interest EUR mil                             5,505 5,595 6,054 5,622 5,661    
Liabilities EUR mil                             1,571,750 1,470,930 1,532,880 1,469,860 1,460,300    
Interbank Borrowing EUR mil                             357,955 304,087 283,240 232,201 200,225    
Customer Deposits EUR mil                             462,162 466,048 464,384 501,882 517,162    
Sight Deposits EUR mil                       ... ... ... ... ... 124,826 145,384 160,278    
Term Deposits EUR mil                       ... ... ... ... ... 339,558 356,498 356,884    
asset quality                                          
Non-Performing Loans EUR mil ...                           17,349 16,936 16,322 14,769 15,591    
Gross Loans EUR mil                             325,294 312,630 323,012 337,211 353,599    
Provisions EUR mil                             3,703 2,894 2,204 2,293 1,787    
growth rates                                          
Customer Loan Growth % ...                           -9.54 -3.72 3.52 4.64 5.00    
Total Asset Growth % ...                           -6.16 -6.10 4.62 -3.76 -0.331    
Shareholders' Equity Growth % ...                           -7.33 4.82 17.3 5.83 7.57    
Customer Deposit Growth % ...                           1.88 0.841 -0.357 8.07 3.04    
ratios Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                                          
ROE %                             -13.5 5.37 4.51 6.08 5.74    
ROA %                             -0.382 0.160 0.151 0.226 0.232    
Costs (As % Of Assets) %                             0.678 0.746 0.640 0.758 0.736    
Costs (As % Of Income) %                             52.0 54.2 46.2 53.4 49.9    
Capital Adequacy Ratio % ... ... ...                       13.2 15.8 19.6 20.3 20.1    
Tier 1 Ratio % ... ... ...                       11.7 10.9 13.7 13.7 15.1    
Net Interest Margin %                             0.895 0.837 0.767 0.774 0.814    
Interest Spread % ...                           0.864 0.805 0.732 0.738 0.777    
Asset Yield %                             1.95 1.85 1.77 1.72 1.69    
Cost Of Liabilities % ...                           1.09 1.05 1.03 0.980 0.909    
Payout Ratio %   ... ...                       76.3 86.6 76.6 75.7 75.4    
Interest Income (As % Of Revenues) %                             68.6 60.8 55.3 54.5 55.2    
Fee Income (As % Of Revenues) %                             10.9 11.4 13.0 13.2 12.6    
Other Income (As % Of Revenues) %                             20.5 27.7 31.7 32.3 32.2    
Equity (As % Of Assets) %                             2.82 3.15 3.53 3.89 4.19    
Loans (As % Of Deposits) %                             67.7 64.7 67.2 65.0 66.3    
Loans (As % Assets) %                             19.4 19.8 19.6 21.3 22.5    
NPLs (As % Of Loans) % ...                           5.33 5.42 5.05 4.38 4.41    
Provisions (As % Of NPLs) % ...                           70.6 66.4 67.5 72.7 69.3    
Provisions (As % Of Loans) % ...                           3.92 3.73 3.53 3.29 3.15    
Cost of Provisions (As % Of Loans) %                             1.12 0.942 0.719 0.718 0.534    
other data Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                                          
Employees                             79,282 75,529 72,567 71,499 73,605    
Sight (As % Of Customer Deposits) %                       ... ... ... ... ... 26.9 29.0 31.0    

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Credit Agricole's npls (as % of loans) fell 16.4% to 3.58% in 2018

By Helgi Analytics - November 05, 2019

Credit Agricole's non-performing loans reached 3.58% of total loans at the end of 2018, down from 4.28% compared to the previous year. Historically, the NPL ratio hit an all time high of 6.83% in 2011 and an all time low of 3.56% in 2007. Provision coverage...

Credit Agricole's net profit rose 20.6% to EUR 4,400 mil in 2018

By Helgi Analytics - November 05, 2019

Credit Agricole made a net profit of EUR 4,400 mil under revenues of EUR 26,158 mil in 2018, up 20.6% and 6.14% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 4,920 mil in 2006 and an all time low of EU...

Credit Agricole's price/earnings (P/E) fell 43.0% to 6.13 in 2018

By Helgi Analytics - November 05, 2019

Credit Agricole stock traded at EUR 9.46 per share at the end 2018 implying a market capitalization of USD 30,901 mil. Since the end of 2013, the stock has appreciated by 1.14 % implying an annual average growth of 0.228 %. In absolute terms, the value of the company ...

Credit Agricole's capital adequacy ratio fell 2.73% to 17.8% in 2018

By Helgi Analytics - November 05, 2019

Credit Agricole's capital adequacy ratio reached 17.8% at the end of 2018, down from 18.3% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 20.3% in 2015 and an all time low of 8.50% in 2005. The Tier 1 ratio amoun...

Credit Agricole's net interest margin fell 5.02% to 0.797% in 2018

By Helgi Analytics - November 05, 2019

Credit Agricole's net interest margin amounted to 0.797% in 2018, down from 0.839% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.60% in 1999 and an all time low of 0.299% in 2001. The average m...

Credit Agricole's share price (end of period) fell 31.5% to EUR 9.46 in 2018

By Helgi Analytics - November 05, 2019

Credit Agricole stock traded at EUR 9.46 per share at the end of 2018 implying a market capitalization of USD 30,901 mil. Since the end of 2013, the stock has appreciated by 1.14 % implying an annual average growth of 0.228 %. In absolute terms, the value of the compa...

Credit Agricole's net interest income fell 1.93% to EUR 12,655 mil in 2018

By Helgi Analytics - November 05, 2019

Credit Agricole generated total banking revenues of EUR 26,158 mil in 2018, up 6.14% 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 26,158 mil in 2018 an...

Credit Agricole's customer loan growth fell 35.5% to 2.67% in 2018

By Helgi Analytics - November 05, 2019

Credit Agricole's customer loan growth reached 2.67% in 2018, down from 4.13% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 321% in 1999 and an all time low of -70.0% in 2001. In the last decade, the aver...

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