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UniCredit SpA

UniCredit SpA's net profit fell 243% yoy to EUR -1,338 mil in 4Q2019

By Helgi Analytics - February 19, 2020

UniCredit SpA made a net profit of EUR -1,338 mil under revenues of EUR 4,999 mil in the fourth quarter of 2019, down 243% and ...

UniCredit SpA's npls (as % of loans) fell 29.8% yoy to 5.04% in 4Q2019

By Helgi Analytics - February 19, 2020

UniCredit SpA's non-performing loans reached 5.04% of total loans at the end of 2019-12-31, down from 7.19% compared to the previ...

UniCredit SpA's capital adequacy ratio rose 12.0% yoy to 17.7% in 4Q2019

By Helgi Analytics - February 19, 2020

UniCredit SpA's capital adequacy ratio reached 17.7% at the end of fourth quarter of 2019, up from 17.1% when compared to the pre...

Profit Statement 2017 2018 2019
Net Interest Income EUR mil 10,613 11,266 10,840
Net Fee Income EUR mil 6,392 6,870 ...
Other Income EUR mil 3,204 3,384 ...
Total Revenues EUR mil 20,209 21,521 19,430
Staff Cost EUR mil 6,930 6,437 6,146
Operating Profit EUR mil 3,851 8,440 7,668
Provisions EUR mil 2,091 2,662 3,382
Net Profit EUR mil 1,075 3,686 684
Balance Sheet 2017 2018 2019
Interbank Loans EUR mil 75,133 76,302 97,888
Customer Loans EUR mil 447,727 505,668 482,574
Total Assets EUR mil 836,790 831,469 855,647
Shareholders' Equity EUR mil 60,225 56,768 61,785
Interbank Borrowing EUR mil 228,132 225,970 177,046
Customer Deposits EUR mil 413,791 422,024 470,570
Issued Debt Securities EUR mil 98,603 81,153 96,301
Ratios 2017 2018 2019
ROE % 2.08 6.30 1.15
ROA % 0.890 1.77 1.55
Costs (As % Of Assets) % 3.78 2.74 2.38
Costs (As % Of Income) % 80.9 60.8 60.5
Capital Adequacy Ratio % 18.1 15.8 17.7
Net Interest Margin % 1.25 1.35 1.29
Loans (As % Of Deposits) % 108 120 103
NPLs (As % Of Loans) % 9.58 7.19 5.04
Provisions (As % Of NPLs) % 64.0 67.6 75.3
Valuation 2017 2018 2019
Price/Earnings (P/E) 29.2 5.98 42.5
Price/Book Value (P/BV) 0.507 0.389 0.471
Dividend Yield % 2.05 2.73 4.84
Earnings Per Share (EPS) EUR 0.533 1.65 0.306
Book Value Per Share EUR 30.8 25.5 27.7
Dividend Per Share EUR 0.320 0.270 0.630

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summary Unit 1988 1989 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                                                   12,179 12,464 11,068 10,712 10,613    
Total Revenues EUR mil                                                   25,884 23,788 20,239 19,224 20,209    
Operating Profit EUR mil                                                   7,536 8,723 5,110 17,450 3,851    
Net Profit EUR mil                                                   -4,668 2,339 724 185 1,075    
balance sheet                                                                
Interbank Loans EUR mil                                                   95,651 96,340 116,980 112,001 75,133    
Customer Loans EUR mil                                                   451,343 442,959 417,793 417,868 447,727    
Debt Securities EUR mil                                                   150,848 168,915 173,472 175,575 168,218    
Total Assets EUR mil                                                   825,919 844,217 860,433 859,533 836,790    
Shareholders' Equity EUR mil                                                   50,056 52,836 53,486 43,188 60,225    
Interbank Borrowing EUR mil                                                   166,872 170,665 182,938 184,892 228,132    
Customer Deposits EUR mil                                                   349,319 360,981 369,056 396,034 413,791    
Issued Debt Securities EUR mil                                                   164,266 150,276 133,797 115,436 98,603    
ratios                                                                
ROE % ...                                                 -8.01 4.55 1.36 0.382 2.08    
ROA % ...                                                 1.56 1.95 1.19 4.18 0.890    
Costs (As % Of Assets) % ...                                                 3.80 3.37 3.52 0.424 3.78    
Costs (As % Of Income) %                                                   70.9 63.3 74.8 9.22 80.9    
Capital Adequacy Ratio % ... ... ... ... ...                                         13.6 13.6 14.2 11.7 18.1    
Net Interest Margin % ...                                                 1.39 1.49 1.30 1.25 1.25    
Interest Income (As % Of Revenues) %                                                   47.1 52.4 54.7 55.7 52.5    
Fee Income (As % Of Revenues) % ... ... ... ... ...                                         27.9 31.5 27.1 29.1 31.6   ...
Staff Cost (As % Of Total Cost) %                                                   49.1 54.5 51.6 525 42.4    
Equity (As % Of Assets) %                                                   11.1 11.9 12.8 10.3 13.5    
Loans (As % Of Deposits) %                                                   129 123 113 106 108    
Loans (As % Assets) %                                                   54.6 52.5 48.6 48.6 53.5    
NPLs (As % Of Loans) %           ... ...                                     16.4 17.2 17.4 12.5 9.58    
Provisions (As % Of NPLs) %           ... ...                                     57.1 54.4 52.6 59.5 64.0    
valuation                                                                
Market Capitalisation (End Of Period) USD mil                                                   42,965 37,865 33,309 17,821 41,688    
Number Of Shares (Average) mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   1,142 1,147 1,168 1,200 1,958    
Share Price (End Of Period) EUR                                                   27.0 26.7 25.7 13.7 15.6    
Earnings Per Share (EPS) EUR ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   -4.11 2.01 0.532 0.154 0.533    
Book Value Per Share EUR ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   43.8 46.1 45.8 36.0 30.8    
Dividend Per Share EUR ... ... ... ... ... ... ... ... ... ...   ... ...                         0.501 0.601 0.601 0 0.320    
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   ... 13.3 48.3 89.1 29.2    
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   0.615 0.580 0.562 0.381 0.507    
Dividend Yield % ... ... ... ... ... ... ... ... ... ...   ...