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UBI Banca's net profit rose 165% yoy to EUR 111 mil in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca made a net profit of EUR 111 mil in the fourth quarter of 2019, up 165% when compared to the same period of last year. ...

UBI Banca's net profit rose 165% yoy to EUR 111 mil in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca made a net profit of EUR 111 mil in the fourth quarter of 2019, up 165% when compared to the same period of last year. ...

UBI Banca's npls (as % of loans) fell 25.1% yoy to 7.80% in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca's non-performing loans reached 7.80% of total loans at the end of 2019-12-31, down from 10.4% compared to the previous ...

Profit Statement 2017 2018 2019
Net Interest Income EUR mil 1,665 1,898 1,733
Net Fee Income EUR mil 1,547 1,581 ...
Other Income EUR mil 608 437 ...
Total Revenues EUR mil 3,820 3,916 3,598
Staff Cost EUR mil 1,542 1,546 1,428
Operating Profit EUR mil 1,309 1,289 1,353
Provisions EUR mil 728 639 744
Net Profit EUR mil 236 302 353
Balance Sheet 2017 2018 2019
Interbank Loans EUR mil 7,821 10,066 11,740
Customer Loans EUR mil 91,977 88,988 84,564
Total Assets EUR mil 127,376 125,306 126,525
Shareholders' Equity EUR mil 10,005 9,214 9,547
Interbank Borrowing EUR mil 17,312 17,885 14,923
Customer Deposits EUR mil 68,268 68,182 72,577
Issued Debt Securities EUR mil 26,015 23,790 22,850
Ratios 2017 2018 2019
ROE % 2.48 3.15 3.76
ROA % 1.51 1.42 1.56
Costs (As % Of Assets) % 2.89 2.90 2.59
Costs (As % Of Income) % 65.7 67.1 62.4
Capital Adequacy Ratio % 14.1 13.8 15.9
Net Interest Margin % 1.39 1.50 1.38
Loans (As % Of Deposits) % 135 131 117
NPLs (As % Of Loans) % 12.7 10.4 7.80
Provisions (As % Of NPLs) % 45.2 44.2 45.7
Valuation 2017 2018 2019
Price/Earnings (P/E) 17.6 9.54 9.37
Price/Book Value (P/BV) 0.415 0.313 0.346
Dividend Yield % 3.02 4.74 4.46
Earnings Per Share (EPS) EUR 0.207 0.265 0.311
Book Value Per Share EUR 8.78 8.09 8.41
Dividend Per Share EUR 0.110 0.120 0.130

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summary Unit 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                       1,761 1,828 1,641 1,508 1,665    
Total Revenues EUR mil                       3,731 3,759 3,643 3,366 3,820    
Operating Profit EUR mil                       1,348 1,223 1,224 1,121 1,309    
Net Profit EUR mil                       292 140 113 -444 236    
balance sheet                                    
Interbank Loans EUR mil                       4,149 3,881 4,200 3,841 7,821    
Customer Loans EUR mil                       88,403 85,103 83,816 81,733 91,977    
Debt Securities EUR mil                       21,384 23,127 19,717 17,243 16,772    
Total Assets EUR mil                       124,242 121,787 117,201 112,384 127,376    
Shareholders' Equity EUR mil                       11,181 10,359 10,518 9,062 10,005    
Interbank Borrowing EUR mil                       22,170 19,606 16,627 16,737 17,312    
Customer Deposits EUR mil                       44,946 45,922 49,092 53,621 68,268    
Issued Debt Securities EUR mil                       41,902 41,590 36,248 28,940 26,015    
ratios                                    
ROE % ...                     2.68 1.30 1.08 -4.53 2.48    
ROA % ...                     1.49 1.41 1.45 1.35 1.51    
Costs (As % Of Assets) % ...                     2.64 2.92 2.86 2.71 2.89    
Costs (As % Of Income) %                       63.9 67.5 66.4 66.7 65.7    
Capital Adequacy Ratio %                       18.9 15.3 13.9 14.1 14.1    
Net Interest Margin % ...                     1.37 1.49 1.37 1.31 1.39    
Interest Income (As % Of Revenues) %                       47.2 48.6 45.1 44.8 43.6    
Fee Income (As % Of Revenues) %                       31.8 32.6 35.7 39.7 40.5   ...
Staff Cost (As % Of Total Cost) % ... ...                   56.1 55.7 57.5 71.2 61.4    
Equity (As % Of Assets) %                       12.6 12.2 12.5 11.1 10.9    
Loans (As % Of Deposits) %                       197 185 171 152 135    
Loans (As % Assets) %                       71.2 69.9 71.5 72.7 72.2    
NPLs (As % Of Loans) %     ...                 13.7 14.6 15.3 14.5 12.7    
Provisions (As % Of NPLs) %     ...                 30.3 30.8 31.0 38.7 45.2    
valuation                                    
Market Capitalisation (End Of Period) USD mil ...                     6,126 6,491 6,065 2,681 5,016    
Number Of Shares (Average) mil ... ... ...   ...             944 944 945 952 1,140    
Share Price (End Of Period) EUR ...                     4.70 5.68 5.91 2.49 3.65    
Earnings Per Share (EPS) EUR ... ... ...   ...             0.309 0.148 0.119 -0.466 0.207    
Book Value Per Share EUR ... ... ...   ...             11.8 11.0 11.1 9.52 8.78    
Dividend Per Share EUR                       0.057 0.076 0.105 0.105 0.110    
Price/Earnings (P/E) ... ... ...   ...             15.2 38.4 49.5 ... 17.6    
Price/Book Value (P/BV) ... ... ...   ...             0.397 0.518 0.531 0.262 0.415    
Dividend Yield % ...                     1.22 1.34 1.77 4.21 3.02    
Earnings Per Share Growth % ... ... ... ... ... ...           105 -52.1 -19.3 -491 -144    
Book Value Per Share Growth % ...                     5.76 -7.36 1.52 -14.5 -7.76    
income statement Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
income statement                                    
Interest Income EUR mil                       3,265 3,025 2,520 2,171 2,275   ...
Interest Cost EUR mil                       1,504 1,197 878 663 610   ...
Net Interest Income EUR mil                       1,761 1,828 1,641 1,508 1,665    
Net Fee Income EUR mil                       1,187 1,227 1,300 1,335 1,547   ...
Other Income EUR mil                       783 704 702 524 608   ...
Total Revenues EUR mil                       3,731 3,759 3,643 3,366 3,820    
Staff Cost EUR mil ... ...                   1,338 1,413 1,392 1,600 1,542    
Depreciation EUR mil ... ...                   96.5 86.2 83.0 76.2 83.5   ...
Other Cost EUR mil ... ...                   949 1,037 945 570 885   ...
Operating Cost EUR mil                       2,383 2,536 2,419 2,246 2,511    
Operating Profit EUR mil                       1,348 1,223 1,224 1,121 1,309    
Provisions EUR mil                       943 929 803 1,566 728    
Extra and Other Cost EUR mil                       156 145 86.5 127 174    
Pre-Tax Profit EUR mil                       249 150 335 -572 407    
Tax EUR mil                       -66.5 -12.4 194 -113 144    
Minorities EUR mil                       23.3 22.2 27.7 -14.9 26.4    
Net Profit EUR mil                       292 140 113 -444 236    
Dividends EUR mil             ...         54.0 72.0 99.0 107 126    
growth rates                                    
Net Interest Income Growth % ...                     -9.56 3.82 -10.2 -8.15 10.4    
Net Fee Income Growth % ...                     0.445 3.33 5.99 2.69 15.9   ...
Total Revenue Growth % ...                     -0.863 0.748 -3.08 -7.60 13.5    
Operating Cost Growth % ...                     -5.12 6.42 -4.61 -7.19 11.8    
Operating Profit Growth % ...                     7.67 -9.28 0.085 -8.42 16.8    
Pre-Tax Profit Growth % ...                     -9.93 -39.9 124 -271 -171    
Net Profit Growth % ...                     105 -52.1 -19.3 -494 -153    
balance sheet Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
balance sheet                                    
Cash EUR mil                       590 598 530 519 812    
Interbank Loans EUR mil                       4,149 3,881 4,200 3,841 7,821    
Customer Loans EUR mil                       88,403 85,103 83,816 81,733 91,977    
Retail Loans EUR mil ... ... ... ...   ... ... ... ... ... ... ... ... ... ... 80,215   ...
Mortgage Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 61,700   ...
Consumer Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 18,515   ...
Corporate Loans EUR mil ... ... ... ...   ... ... ... ... ... ... ... ... ... ... ... ... ...
Debt Securities EUR mil                       21,384 23,127 19,717 17,243 16,772    
Fixed Assets EUR mil                       1,798 1,729 1,744 1,648 1,812    
Intangible Assets EUR mil                       2,919 1,777 1,757 1,696 1,728    
Goodwill EUR mil         ...             2,512 1,465 1,465 1,465 1,465    
Total Assets EUR mil                       124,242 121,787 117,201 112,384 127,376    
Shareholders' Equity EUR mil                       11,181 10,359 10,518 9,062 10,005    
Of Which Minority Interest EUR mil                       842 555 536 72.0 79.7    
Liabilities EUR mil                       113,060 111,428 106,683 103,322 117,371    
Interbank Borrowing EUR mil                       22,170 19,606 16,627 16,737 17,312    
Customer Deposits EUR mil                       44,946 45,922 49,092 53,621 68,268    
Sight Deposits EUR mil     ...                 42,627 44,317 47,703 52,404 64,258   ...
Term Deposits EUR mil     ...                 1,014 429 183 125 2,365   ...
Issued Debt Securities EUR mil                       41,902 41,590 36,248 28,940 26,015    
Subordinated Debt EUR mil ...   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Other Liabilities EUR mil                       4,043 4,310 4,716 4,024 5,777    
asset quality                                    
Non-Performing Loans EUR mil     ...                 12,674 13,049 13,434 12,521 12,414    
Gross Loans EUR mil     ...                 92,246 89,126 87,978 86,578 97,585    
Total Provisions EUR mil     ...                 3,844 4,023 4,162 4,845 5,608    
growth rates                                    
Customer Loan Growth % ...                     -4.19 -3.73 -1.51 -2.48 12.5    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Consumer Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Total Asset Growth % ...                     -6.19 -1.98 -3.77 -4.11 13.3    
Shareholders' Equity Growth % ...                     5.71 -7.35 1.53 -13.8 10.4    
Customer Deposit Growth % ...                     -9.17 2.17 6.90 9.23 27.3    
ratios Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
ratios                                    
ROE % ...                     2.68 1.30 1.08 -4.53 2.48    
ROA % ...                     1.49 1.41 1.45 1.35 1.51    
Costs (As % Of Assets) % ...                     2.64 2.92 2.86 2.71 2.89    
Costs (As % Of Income) %                       63.9 67.5 66.4 66.7 65.7    
Capital Adequacy Ratio %                       18.9 15.3 13.9 14.1 14.1    
Tier 1 Ratio %                       13.2 12.3 12.1 11.5 11.6    
Net Interest Margin % ...                     1.37 1.49 1.37 1.31 1.39    
Interest Spread % ...                     1.26 1.39 1.30 1.26 1.34   ...
Asset Yield % ...                     2.54 2.46 2.11 1.89 1.90    
Cost Of Liabilities % ...                     1.28 1.07 0.805 0.632 0.553   ...
Payout Ratio %             ...         18.5 51.5 87.8 -24.1 53.3    
Interest Income (As % Of Revenues) %                       47.2 48.6 45.1 44.8 43.6    
Fee Income (As % Of Revenues) %                       31.8 32.6 35.7 39.7 40.5   ...
Other Income (As % Of Revenues) %                       21.0 18.7 19.3 15.6 15.9   ...
Cost Per Employee USD per month ... ...                   8,061 8,373 7,729 8,139 6,615    
Cost Per Employee (Local Currency) EUR per month ... ...                   6,072 6,495 6,743 7,592 5,891    
Staff Cost (As % Of Total Cost) % ... ...                   56.1 55.7 57.5 71.2 61.4    
Equity (As % Of Assets) %                       12.6 12.2 12.5 11.1 10.9    
Loans (As % Of Deposits) %                       197 185 171 152 135    
Loans (As % Assets) %                       71.2 69.9 71.5 72.7 72.2    
NPLs (As % Of Loans) %     ...                 13.7 14.6 15.3 14.5 12.7    
Provisions (As % Of NPLs) %     ...                 30.3 30.8 31.0 38.7 45.2    
Provisions (As % Of Loans) %     ...                 4.35 4.73 4.97 5.93 6.10    
Cost of Provisions (As % Of Loans) % ...                     1.04 1.07 0.950 1.89 0.839    
other data Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
other data                                    
Branches                       1,731 1,676 1,560 1,524 1,838    
Employees                       18,358 18,132 17,200 17,560 21,818    
Sight (As % Of Customer Deposits) %     ...                 94.8 96.5 97.2 97.7 94.1   ...
Risk-Weighted Assets EUR mil ... ... ... ...               61,046 61,733 61,345 59,484 67,054   ...
Return on Loans %                       0.323 0.161 0.133 -0.536 0.272    
Operating Profit (As % of Loans) % ...                     1.49 1.41 1.45 1.35 1.51    
Costs (As % Of Loans) % ...                     2.64 2.92 2.86 2.71 2.89    
Equity (As % Of Loans) %                       12.6 12.2 12.5 11.1 10.9    

Get all company financials in excel:

Download Sample   $19.99

UBI Banca's npls (as % of loans) fell 25.1% yoy to 7.80% in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca's non-performing loans reached 7.80% of total loans at the end of 2019-12-31, down from 10.4% compared to the previous year. Historically, the NPL ratio hit an all time high of 15.5% in 2015-09-30 and an all time low of 0.934% in 2005-12-31. Provi...

UBI Banca's employees rose 1.12% yoy to 19,940 in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca employed 19,940 persons in 2019-12-31, down 0.939% when compared to the previous year. Historically, the bank's workforce hit an all time high of 22,122 persons in 2017-06-30 and an all time low of 14,370 in 2006-09-30. Average cost reached USD 6,572 per...

UBI Banca's employees rose 1.12% yoy to 19,940 in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca employed 19,940 persons in 2019-12-31, down 0.939% when compared to the previous year. Historically, the bank's workforce hit an all time high of 22,122 persons in 2017-06-30 and an all time low of 14,370 in 2006-09-30. Average cost reached USD 6,572 per...

UBI Banca's price/earnings (P/E) fell 56.1% yoy to 7.47 in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca stock traded at EUR 2.91 per share at the end fourth quarter of 2019 implying a market capitalization of USD 3,711 mil. Since the end of 4Q2014, the stock has depreciated by -48.7 % implying an annual average growth of -12.5 %. In absolute terms, the value o...

UBI Banca's price/earnings (P/E) fell 56.1% yoy to 7.47 in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca stock traded at EUR 2.91 per share at the end fourth quarter of 2019 implying a market capitalization of USD 3,711 mil. Since the end of 4Q2014, the stock has depreciated by -48.7 % implying an annual average growth of -12.5 %. In absolute terms, the value o...

UBI Banca's capital adequacy ratio rose 15.1% yoy to 15.9% in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca's capital adequacy ratio reached 15.9% at the end of fourth quarter of 2019, up from 15.6% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 19.3% in 3Q2013 and an all time low of 9.82% in 3Q2006. ...

UBI Banca's capital adequacy ratio rose 15.1% yoy to 15.9% in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca's capital adequacy ratio reached 15.9% at the end of fourth quarter of 2019, up from 15.6% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 19.3% in 3Q2013 and an all time low of 9.82% in 3Q2006. ...

UBI Banca's market capitalisation (end of period) rose 15.5% to USD 3,711 mil in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca stock traded at EUR 2.91 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 3,711 mil. Over the last five years, the stock has depreciated by 48.7 implying an annual average growth of -12.5% In absolute terms,...

UBI Banca's market capitalisation (end of period) rose 15.5% to USD 3,711 mil in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca stock traded at EUR 2.91 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 3,711 mil. Over the last five years, the stock has depreciated by 48.7 implying an annual average growth of -12.5% In absolute terms,...

UBI Banca's equity (as % of assets) rose 2.61% yoy to 7.55% in 4Q2019

By Helgi Library - February 19, 2020

UBI Banca's Equity reached 12.5% of total assets in the 4Q2019, up from 12.1% for the previous year. As a share of net customer loans, the ratio amounted to 22.4% at the end of the fourth quarter of 2019. ...

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