By Helgi Library - February 19, 2020
Credito Emiliano's capital adequacy ratio reached 18.6% at the end of fourth quarter of 2019, up from 18.4% when compared to the ...
By Helgi Library - February 19, 2020
Credito Emiliano's net interest margin amounted to 1.13% in the fourth quarter of 2019, up from 1.03% when compared to the previ...
By Helgi Library - February 19, 2020
Credito Emiliano stock traded at EUR 2.11 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 1,1...
| Profit Statement | 2017 | 2018 | 2019 | |
| Net Interest Income | EUR mil | 495 | 537 | 464 |
| Net Fee Income | EUR mil | 305 | 316 | 322 |
| Other Income | EUR mil | 210 | 99.8 | 213 |
| Total Revenues | EUR mil | 1,011 | 953 | 999 |
| Staff Cost | EUR mil | 245 | 241 | 254 |
| Operating Profit | EUR mil | 498 | 385 | 405 |
| Provisions | EUR mil | 235 | 241 | 214 |
| Net Profit | EUR mil | 185 | 111 | 138 |
| Balance Sheet | 2017 | 2018 | 2019 | |
| Interbank Loans | EUR mil | 3,142 | 2,525 | 1,067 |
| Customer Loans | EUR mil | 24,534 | 30,349 | 33,133 |
| Total Assets | EUR mil | 41,625 | 41,128 | 41,146 |
| Shareholders' Equity | EUR mil | 2,770 | 2,744 | 2,937 |
| Interbank Borrowing | EUR mil | 6,562 | 6,166 | 4,395 |
| Customer Deposits | EUR mil | 28,444 | 28,630 | 29,817 |
| Issued Debt Securities | EUR mil | 2,833 | 2,432 | 2,805 |
| Ratios | 2017 | 2018 | 2019 | |
| ROE | % | 6.81 | 4.03 | 4.85 |
| ROA | % | 2.02 | 1.40 | 1.28 |
| Costs (As % Of Assets) | % | 2.09 | 2.07 | 1.87 |
| Costs (As % Of Income) | % | 50.8 | 59.6 | 59.4 |
| Capital Adequacy Ratio | % | 13.7 | 13.6 | 18.6 |
| Net Interest Margin | % | 1.26 | 1.30 | 1.13 |
| Loans (As % Of Deposits) | % | 86.3 | 106 | 111 |
| NPLs (As % Of Loans) | % | 15.8 | 12.7 | ... |
| Provisions (As % Of NPLs) | % | 52.4 | 58.5 | ... |
| Valuation | 2017 | 2018 | 2019 | |
| Price/Earnings (P/E) | 7.45 | 10.7 | 6.95 | |
| Price/Book Value (P/BV) | 0.498 | 0.435 | 0.326 | |
| Dividend Yield | % | 2.30 | 1.90 | 2.37 |
| Earnings Per Share (EPS) | EUR | 0.408 | 0.245 | 0.304 |
| Book Value Per Share | EUR | 6.11 | 6.05 | 6.47 |
| Dividend Per Share | EUR | 0.070 | 0.050 | 0.050 |
Get all company financials in excel:
| summary | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||||||||||||||||||
| Net Interest Income | EUR mil | 562 | 594 | 546 | 481 | 495 | |||||||||||||||||||||||||
| Total Revenues | EUR mil | 1,084 | 1,174 | 1,145 | 948 | 1,011 | |||||||||||||||||||||||||
| Operating Profit | EUR mil | 610 | 686 | 595 | 427 | 498 | |||||||||||||||||||||||||
| Net Profit | EUR mil | 53.0 | 116 | 130 | 127 | 185 | |||||||||||||||||||||||||
| balance sheet | |||||||||||||||||||||||||||||||
| Interbank Loans | EUR mil | 734 | 1,676 | 1,686 | 2,486 | 3,142 | |||||||||||||||||||||||||
| Customer Loans | EUR mil | 23,905 | 23,424 | 23,291 | 24,615 | 24,534 | |||||||||||||||||||||||||
| Debt Securities | EUR mil | ... | ... | ... | 6,754 | 9,011 | 8,337 | 7,821 | 11,795 | ||||||||||||||||||||||
| Total Assets | EUR mil | 32,770 | 35,619 | 35,538 | 37,196 | 41,625 | |||||||||||||||||||||||||
| Shareholders' Equity | EUR mil | 2,012 | 2,490 | 2,649 | 2,672 | 2,770 | |||||||||||||||||||||||||
| Interbank Borrowing | EUR mil | 3,279 | 2,698 | 3,029 | 3,115 | 6,562 | |||||||||||||||||||||||||
| Customer Deposits | EUR mil | 23,499 | 25,927 | 25,620 | 27,092 | 28,444 | |||||||||||||||||||||||||
| Issued Debt Securities | EUR mil | 2,965 | 3,406 | 3,181 | 3,232 | 2,833 | |||||||||||||||||||||||||
| ratios | |||||||||||||||||||||||||||||||
| ROE | % | ... | 2.68 | 5.17 | 5.07 | 4.77 | 6.81 | ||||||||||||||||||||||||
| ROA | % | ... | 2.48 | 2.90 | 2.55 | 1.78 | 2.02 | ||||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.92 | 2.06 | 2.35 | 2.17 | 2.09 | ||||||||||||||||||||||||
| Costs (As % Of Income) | % | 43.7 | 41.5 | 48.0 | 54.9 | 50.8 | |||||||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 10.5 | 11.5 | 13.4 | 13.6 | 13.7 | ||||||||||||||||||||||
| Net Interest Margin | % | ... | 1.73 | 1.74 | 1.54 | 1.32 | 1.26 | ||||||||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 51.9 | 50.6 | 47.7 | 50.8 | 49.0 | |||||||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 26.1 | 25.6 | 26.5 | 30.9 | 30.2 | ||||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 46.3 | 45.8 | 42.9 | 45.5 | 47.8 | |||||||||||||||||||||||||
| Equity (As % Of Assets) | % | 8.42 | 10.6 | 11.4 | 10.9 | 11.3 | |||||||||||||||||||||||||
| Loans (As % Of Deposits) | % | 102 | 90.3 | 90.9 | 90.9 | 86.3 | |||||||||||||||||||||||||
| Loans (As % Assets) | % | 72.9 | 65.8 | 65.5 | 66.2 | 58.9 | |||||||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 11.8 | 14.5 | 16.8 | 16.5 | 15.8 | ... | |||||||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 60.8 | 47.2 | 48.2 | 49.3 | 52.4 | ... | ||||||||||||||||||||
| valuation | |||||||||||||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | 1,780 | 1,698 | 2,045 | 1,484 | 1,646 | ||||||||||||||||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 376 | 389 | 453 | 453 | 453 | |||||||||
| Share Price (End Of Period) | EUR | ... | 3.43 | 3.10 | 4.15 | 3.13 | 3.04 | ||||||||||||||||||||||||
| Earnings Per Share (EPS) | EUR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.141 | 0.299 | 0.287 | 0.280 | 0.408 | |||||||||
| Book Value Per Share | EUR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.35 | 6.40 | 5.84 | 5.89 | 6.11 | |||||||||
| Dividend Per Share | EUR | ... | ... | ... | ... | ... | 0.041 | 0.060 | 0.070 | 0.060 | 0.070 | ||||||||||||||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 24.4 | 10.4 | 14.4 | 11.2 | 7.45 | ||||||||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.642 | 0.484 | 0.711 | 0.531 | 0.498 | ||||||||||
| Dividend Yield | % | ... | ... | ... | ... | ... | 1.19 | 1.94 | 1.69 | 1.92 | 2.30 | ||||||||||||||||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 55.3 | 112 | -3.85 | -2.64 | 46.0 | ||||||||
| Book Value Per Share Growth | % | ... | 3.69 | 19.5 | -8.65 | 0.866 | 3.63 |
| income statement | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||||||||||||||||||
| Interest Income | EUR mil | 1,021 | 963 | 800 | 671 | 637 | |||||||||||||||||||||||||
| Interest Cost | EUR mil | 459 | 368 | 253 | 189 | 142 | |||||||||||||||||||||||||
| Net Interest Income | EUR mil | 562 | 594 | 546 | 481 | 495 | |||||||||||||||||||||||||
| Net Fee Income | EUR mil | ... | ... | ... | 283 | 300 | 303 | 293 | 305 | ||||||||||||||||||||||
| Other Income | EUR mil | ... | ... | ... | 239 | 279 | 295 | 173 | 210 | ||||||||||||||||||||||
| Total Revenues | EUR mil | 1,084 | 1,174 | 1,145 | 948 | 1,011 | |||||||||||||||||||||||||
| Staff Cost | EUR mil | 219 | 223 | 236 | 237 | 245 | |||||||||||||||||||||||||
| Depreciation | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.1 | 17.0 | 18.1 | 18.6 | 18.9 | ... | ||||||||||
| Other Cost | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 237 | 248 | 296 | 265 | 249 | ... | ||||||||||
| Operating Cost | EUR mil | 473 | 488 | 550 | 521 | 513 | |||||||||||||||||||||||||
| Operating Profit | EUR mil | 610 | 686 | 595 | 427 | 498 | |||||||||||||||||||||||||
| Provisions | EUR mil | 464 | 464 | 390 | 250 | 235 | |||||||||||||||||||||||||
| Extra and Other Cost | EUR mil | 20.9 | 15.3 | 7.32 | 5.74 | -7.56 | |||||||||||||||||||||||||
| Pre-Tax Profit | EUR mil | 125 | 207 | 198 | 171 | 270 | |||||||||||||||||||||||||
| Tax | EUR mil | 64.7 | 80.3 | 59.4 | 43.0 | 78.9 | |||||||||||||||||||||||||
| Minorities | EUR mil | ... | ... | 7.64 | 10.1 | 8.20 | 1.28 | 5.97 | |||||||||||||||||||||||
| Net Profit | EUR mil | 53.0 | 116 | 130 | 127 | 185 | |||||||||||||||||||||||||
| Dividends | EUR mil | ... | ... | ... | 15.4 | 27.2 | 31.7 | 27.2 | 31.7 | ||||||||||||||||||||||
| growth rates | |||||||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | 6.20 | 5.80 | -8.11 | -11.9 | 2.91 | ||||||||||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | -0.349 | 6.01 | 1.15 | -3.42 | 4.09 | |||||||||||||||||||||
| Total Revenue Growth | % | ... | 1.32 | 8.32 | -2.44 | -17.2 | 6.63 | ||||||||||||||||||||||||
| Operating Cost Growth | % | ... | 3.14 | 3.00 | 12.8 | -5.31 | -1.49 | ||||||||||||||||||||||||
| Operating Profit Growth | % | ... | -0.054 | 12.4 | -13.2 | -28.3 | 16.5 | ||||||||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | 17.6 | 64.9 | -4.25 | -13.5 | 57.8 | ||||||||||||||||||||||||
| Net Profit Growth | % | ... | 55.4 | 119 | 12.0 | -2.66 | 46.0 |
| balance sheet | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| balance sheet | |||||||||||||||||||||||||||||||
| Cash | EUR mil | 197 | 264 | 766 | 790 | 699 | |||||||||||||||||||||||||
| Interbank Loans | EUR mil | 734 | 1,676 | 1,686 | 2,486 | 3,142 | |||||||||||||||||||||||||
| Customer Loans | EUR mil | 23,905 | 23,424 | 23,291 | 24,615 | 24,534 | |||||||||||||||||||||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18,257 | 18,240 | ... | |
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12,793 | 13,194 | ... | |
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,464 | 5,045 | ... | |
| Debt Securities | EUR mil | ... | ... | ... | 6,754 | 9,011 | 8,337 | 7,821 | 11,795 | ||||||||||||||||||||||
| Fixed Assets | EUR mil | 246 | 254 | 324 | 321 | 327 | |||||||||||||||||||||||||
| Intangible Assets | EUR mil | ... | ... | ... | ... | ... | ... | 21.9 | 21.6 | 22.2 | 23.9 | 23.7 | |||||||||||||||||||
| Goodwill | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.96 | 7.85 | 7.85 | 7.85 | 7.85 | |||||||||
| Total Assets | EUR mil | 32,770 | 35,619 | 35,538 | 37,196 | 41,625 | |||||||||||||||||||||||||
| Shareholders' Equity | EUR mil | 2,012 | 2,490 | 2,649 | 2,672 | 2,770 | |||||||||||||||||||||||||
| Of Which Minority Interest | EUR mil | ... | ... | 75.4 | 82.5 | 86.6 | 84.7 | 90.6 | |||||||||||||||||||||||
| Liabilities | EUR mil | 30,758 | 33,129 | 32,888 | 34,524 | 38,855 | |||||||||||||||||||||||||
| Interbank Borrowing | EUR mil | 3,279 | 2,698 | 3,029 | 3,115 | 6,562 | |||||||||||||||||||||||||
| Customer Deposits | EUR mil | 23,499 | 25,927 | 25,620 | 27,092 | 28,444 | |||||||||||||||||||||||||
| Sight Deposits | EUR mil | ... | 18,952 | 23,142 | 23,918 | 26,148 | 26,965 | ... | |||||||||||||||||||||||
| Term Deposits | EUR mil | ... | 4,431 | 2,701 | 1,586 | 889 | 1,429 | ... | |||||||||||||||||||||||
| Issued Debt Securities | EUR mil | 2,965 | 3,406 | 3,181 | 3,232 | 2,833 | |||||||||||||||||||||||||
| Other Liabilities | EUR mil | 1,015 | 1,098 | 1,058 | 1,085 | 1,016 | |||||||||||||||||||||||||
| asset quality | |||||||||||||||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | ... | 3,025 | 3,644 | 4,254 | 4,426 | 4,225 | ... | |||||||||||||||||||||
| Gross Loans | EUR mil | ... | ... | ... | 25,743 | 25,145 | 25,342 | 26,798 | 26,747 | ... | |||||||||||||||||||||
| Total Provisions | EUR mil | ... | ... | ... | ... | 1,838 | 1,720 | 2,051 | 2,183 | 2,213 | ... | ||||||||||||||||||||
| growth rates | |||||||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | -5.55 | -2.01 | -0.572 | 5.68 | -0.326 | ||||||||||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -0.095 | ... | |
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.13 | ... | |
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -7.66 | ... | |
| Total Asset Growth | % | ... | 1.30 | 8.69 | -0.228 | 4.67 | 11.9 | ||||||||||||||||||||||||
| Shareholders' Equity Growth | % | ... | 3.69 | 23.8 | 6.42 | 0.866 | 3.63 | ||||||||||||||||||||||||
| Customer Deposit Growth | % | ... | 3.44 | 10.3 | -1.18 | 5.75 | 4.99 |
| ratios | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| ratios | |||||||||||||||||||||||||||||||
| ROE | % | ... | 2.68 | 5.17 | 5.07 | 4.77 | 6.81 | ||||||||||||||||||||||||
| ROA | % | ... | 2.48 | 2.90 | 2.55 | 1.78 | 2.02 | ||||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.92 | 2.06 | 2.35 | 2.17 | 2.09 | ||||||||||||||||||||||||
| Costs (As % Of Income) | % | 43.7 | 41.5 | 48.0 | 54.9 | 50.8 | |||||||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 10.5 | 11.5 | 13.4 | 13.6 | 13.7 | ||||||||||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | 7.89 | 9.81 | 10.5 | 11.1 | 11.6 | |||||||||||||||||||
| Net Interest Margin | % | ... | 1.73 | 1.74 | 1.54 | 1.32 | 1.26 | ||||||||||||||||||||||||
| Interest Spread | % | ... | 1.63 | 1.66 | 1.48 | 1.28 | 1.23 | ||||||||||||||||||||||||
| Asset Yield | % | ... | 3.14 | 2.82 | 2.25 | 1.84 | 1.62 | ||||||||||||||||||||||||
| Cost Of Liabilities | % | ... | 1.50 | 1.15 | 0.768 | 0.562 | 0.386 | ||||||||||||||||||||||||
| Payout Ratio | % | ... | ... | ... | 29.1 | 23.4 | 24.4 | 21.4 | 17.1 | ||||||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 51.9 | 50.6 | 47.7 | 50.8 | 49.0 | |||||||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 26.1 | 25.6 | 26.5 | 30.9 | 30.2 | ||||||||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | 22.0 | 23.8 | 25.8 | 18.3 | 20.8 | ||||||||||||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | 7,918 | 9,232 | 7,231 | 6,704 | 7,165 | |||||||||||||||||||||
| Cost Per Employee (Local Currency) | EUR per month | ... | ... | ... | ... | 5,965 | 7,162 | 6,308 | 6,254 | 6,381 | |||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 46.3 | 45.8 | 42.9 | 45.5 | 47.8 | |||||||||||||||||||||||||
| Equity (As % Of Assets) | % | 8.42 | 10.6 | 11.4 | 10.9 | 11.3 | |||||||||||||||||||||||||
| Loans (As % Of Deposits) | % | 102 | 90.3 | 90.9 | 90.9 | 86.3 | |||||||||||||||||||||||||
| Loans (As % Assets) | % | 72.9 | 65.8 | 65.5 | 66.2 | 58.9 | |||||||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 11.8 | 14.5 | 16.8 | 16.5 | 15.8 | ... | |||||||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 60.8 | 47.2 | 48.2 | 49.3 | 52.4 | ... | ||||||||||||||||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | 7.69 | 7.34 | 8.81 | 8.87 | 9.02 | ... | ||||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.89 | 1.96 | 1.67 | 1.04 | 0.957 |
| other data | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| other data | |||||||||||||||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 318 | 327 | 354 | 337 | 343 | ... | ||||||||
| Employees | ... | ... | ... | ... | 3,061 | 2,596 | 3,115 | 3,156 | 3,202 | ||||||||||||||||||||||
| Sight (As % Of Customer Deposits) | % | ... | 80.6 | 89.3 | 93.4 | 96.5 | 94.8 | ... | |||||||||||||||||||||||
| Risk-Weighted Assets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23,756 | 21,338 | 23,262 | 23,208 | 22,738 | |||||||
| Return on Loans | % | 0.216 | 0.492 | 0.558 | 0.530 | 0.754 | |||||||||||||||||||||||||
| Operating Profit (As % of Loans) | % | ... | 2.48 | 2.90 | 2.55 | 1.78 | 2.02 | ||||||||||||||||||||||||
| Costs (As % Of Loans) | % | ... | 1.92 | 2.06 | 2.35 | 2.17 | 2.09 | ||||||||||||||||||||||||
| Equity (As % Of Loans) | % | 8.42 | 10.6 | 11.4 | 10.9 | 11.3 |
Get all company financials in excel:
By Helgi Library - February 19, 2020
Credito Emiliano made a net profit of EUR 14.5 mil in the fourth quarter of 2019, down 55.2% when compared to the same period of last year. This implies a return on equity of 1.98%. Historically, the bank’s net profit reached an all time high of EUR 82.8 mil in 1...
By Helgi Library - February 19, 2020
Credito Emiliano stock traded at EUR 2.11 per share at the end fourth quarter of 2019 implying a market capitalization of USD 1,183 mil. Since the end of 4Q2014, the stock has depreciated by -31.9 % implying an annual average growth of -7.40 %. In absolute terms, the ...
By Helgi Library - February 19, 2020
Credito Emiliano generated total banking revenues of EUR 252 mil in the fourth quarter of 2019, down 5.12% when compared to the same period of last year and 6.55% when compared to the previous quarter. Historically, the bank’s revenues containing of interest,...
By Helgi Library - February 19, 2020
Credito Emiliano's Equity reached 7.14% of total assets in the 4Q2019, up from 6.67% for the previous year. As a share of net customer loans, the ratio amounted to 8.86% at the end of the fourth quarter of 2019. ...
By Helgi Library - February 19, 2020
Credito Emiliano's customer loan growth reached 9.17% in 2019-12-31, down from 23.7% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 23.7% in 2018-12-31 and an all time low of -12.9% in 2019-09-30. In the l...
By Helgi Library - February 19, 2020
Credito Emiliano's capital adequacy ratio reached 18.6% at the end of 2019, up from 13.6% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 18.6% in 2019 and an all time low of 8.82% in 2003. The Tier 1 ratio amount...
By Helgi Library - February 19, 2020
Credito Emiliano made a net profit of EUR 138 mil under revenues of EUR 999 mil in 2019, up 23.9% and 4.87% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 197 mil in 2009 and an all time low of EUR 14.9...
By Helgi Library - February 19, 2020
Credito Emiliano's net interest margin amounted to 1.13% in 2019, down from 1.30% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.81% in 1992 and an all time low of 1.13% in 2019. The average mar...
By Helgi Library - February 19, 2020
Credito Emiliano stock traded at EUR 2.11 per share at the end 2019 implying a market capitalization of USD 1,183 mil. Since the end of 2014, the stock has depreciated by -31.9 % implying an annual average growth of -7.40 %. In absolute terms, the value of the company...
By Helgi Library - February 19, 2020
Credito Emiliano stock traded at EUR 2.11 per share at the end of 2019 implying a market capitalization of USD 1,183 mil. Since the end of 2014, the stock has depreciated by -31.9 % implying an annual average growth of -7.40 %. In absolute terms, the value of the comp...
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