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Market Closed -
Other stock markets
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5-day change | 1st Jan Change | ||
| 7.164 EUR | -2.74% |
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-13.67% | -21.53% |
| Mar. 06 | European Markets Rally, Mib Advances on Amplifon and Defense Stocks | AN |
| Mar. 06 | DIARY - Italy to April 30 | RE |
| Fiscal Period: December | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||||
Return on Assets | -1.2 | 0.21 | -0.16 | 1.69 | 1.61 | |||||
Return On Equity % | -24.02 | 5.18 | -2.93 | 23 | 18.24 | |||||
Return on Common Equity | -24.02 | 5.18 | -2.93 | 23 | 18.24 | |||||
Shareholders Value Added | -2.41B | -357M | -460M | 996M | 676M | |||||
Margin Analysis | ||||||||||
SG&A Margin | 107.2 | 83.09 | 85.52 | 57.38 | 52.74 | |||||
Net Interest Income / Total Revenues % | 57.79 | 44.44 | 59 | 68.92 | 65.69 | |||||
EBT Excl. Non-Recurring Items Margin % | -28.51 | 16.45 | 11.46 | 42.13 | 45.23 | |||||
Income From Continuing Operations Margin % | -76.16 | 11.17 | -7.74 | 60.99 | 55.29 | |||||
Net Income Margin % | -76.15 | 11.17 | -7.73 | 60.99 | 54.68 | |||||
Net Avail. For Common Margin % | -76.15 | 11.17 | -7.73 | 60.99 | 55.3 | |||||
Normalized Net Income Margin | -17.81 | 10.29 | 7.17 | 26.33 | 28.27 | |||||
Asset quality | ||||||||||
Nonperforming Loans / Total Loans % | 4.48 | 4.7 | 3.86 | 4.12 | - | |||||
Nonperforming Loans / Total Assets % | 2.61 | 2.94 | 2.73 | 2.83 | - | |||||
Nonperforming Assets / Total Assets % | 2.61 | 2.94 | 2.73 | 2.83 | - | |||||
NPAs / Loans and OREO | 4.48 | 4.7 | 3.86 | 4.12 | - | |||||
NPAs / Equity | 67.97 | 65.62 | 42.14 | 34.81 | - | |||||
Allowance for Credit Losses / Net Charge-offs % | 675.07 | 1.77K | 1.8K | 2.84K | - | |||||
Allowance for Credit Losses / Nonperforming Loans % | 61.22 | 58.86 | 61.5 | 63.1 | - | |||||
Allowance for Credit Losses / Total Loans % | 2.74 | 2.77 | 2.37 | 2.6 | 2.62 | |||||
Provision for Loan Losses / Net Charge-offs % | 210.18 | 145.64 | 382.25 | 558.23 | - | |||||
Capital And Funding | ||||||||||
Total Average Common Equity / Total Average Assets % | 4.98 | 4.14 | 5.41 | 7.35 | 8.82 | |||||
Total Average Equity / Total Average Assets % | 4.98 | 4.15 | 5.41 | 7.35 | 8.82 | |||||
Total Equity + Allowance for Loan Losses / Total Loans % | 9.32 | 9.93 | 11.53 | 14.45 | 16.57 | |||||
Gross Loans / Total Deposits % | 85.9 | 83.95 | 94.04 | 99.56 | 101.33 | |||||
Net Loans / Total Deposits % | 83.54 | 81.62 | 91.81 | 96.97 | 98.68 | |||||
Tier 1 Capital Ratio % | 12.13 | 12.54 | 16.64 | 18.14 | - | |||||
Total Capital Ratio % | 15.75 | 16.12 | 20.52 | 21.64 | - | |||||
Core Tier 1 Capital Ratio | 12.13 | 12.54 | 16.64 | 18.14 | - | |||||
Tier 2 Capital Ratio | 3.62 | 3.59 | 3.88 | 3.49 | - | |||||
Coverage Ratio | 61.22 | 58.86 | 61.5 | 63.1 | - | |||||
Interbank Ratio | 138.96 | 200.45 | 181.08 | 367.67 | 337.23 | |||||
Fixed Charges Coverage | ||||||||||
EBT + Interest Expense / Interest Expense | -0.92 | 1.38 | -0.03 | 1.82 | 1.62 | |||||
Growth Over Prior Year | ||||||||||
Net Interest Income, 1 Yr. Growth % | -14.64 | -3.97 | 26.88 | 48.47 | 2.52 | |||||
Non Interest Income, 1 Yr. Growth % | -4.91 | 4.5 | -12.68 | -3.95 | 15.91 | |||||
Provision For Loan Losses, 1 Yr. Growth % | 24.2 | -73.79 | 119.06 | 0.2 | -3.07 | |||||
Total Revenues, 1 Yr. Growth % | -16.96 | 26.3 | -4.44 | 26.06 | 8.99 | |||||
Earnings From Cont. Operations, 1 Yr. Growth % | 66.4 | -118.34 | -166.22 | -1.25K | -3.65 | |||||
Net Income, 1 Yr. Growth % | 63.5 | -118.35 | -166.14 | -1.25K | -4.92 | |||||
Normalized Net Income, 1 Yr. Growth % | -523.8 | -167.77 | -32.97 | -335.43 | 18.78 | |||||
Diluted EPS Before Extra, 1 Yr. Growth % | 68.19 | -120.33 | -103.11 | -291.62 | -3.63 | |||||
Dividend Per Share, 1 Yr. Growth % | - | - | - | - | 244 | |||||
Gross Loans, 1 Yr. Growth % | -7.66 | -2.94 | -3.21 | -1.08 | -0.91 | |||||
Allowance For Loan Losses, 1 Yr. Growth % | -57.16 | -0.52 | -15.27 | 8 | -0.37 | |||||
Net Loans, 1 Yr. Growth % | -4.56 | -3.01 | -2.87 | -1.3 | -0.93 | |||||
Non Performing Loans, 1 Yr. Growth % | -64.04 | 4.26 | -18.9 | 5.7 | - | |||||
Non Performing Assets, 1 Yr. Growth % | -64.04 | 4.26 | -18.9 | 5.7 | - | |||||
Total Assets, 1 Yr. Growth % | 13.74 | -8.3 | -12.84 | 1.98 | -0.01 | |||||
Total Deposits, 1 Yr Growth % | 22.97 | 0.35 | -11.76 | -6.56 | -2.64 | |||||
Tangible Book Value, 1 Yr. Growth % | -30.91 | 7.15 | 27.52 | 27.32 | 17.27 | |||||
Common Equity, 1 Yr. Growth % | -30.15 | 6.95 | 26.32 | 26.95 | 16.74 | |||||
Total Equity, 1 Yr. Growth % | -30.15 | 6.95 | 26.31 | 26.95 | 16.74 | |||||
Compound Annual Growth Rate Over Two Years | ||||||||||
Net Interest Income, 2 Yr. CAGR % | -13.92 | -9.47 | 10.38 | 37.25 | 22.5 | |||||
Non Interest Income, 2 Yr. CAGR % | 2.7 | -1.06 | -4.47 | -7.76 | 2.98 | |||||
Provision For Loan Losses, 2 Yr. CAGR % | 11.11 | -42.94 | -24.22 | 48.16 | -2.84 | |||||
Total Revenues, 2 Yr. CAGR % | -9.72 | 1.83 | 9.86 | 10.21 | 15.62 | |||||
Earnings From Cont. Operations, 2 Yr. CAGR % | 121.49 | -44.8 | -65.15 | 157.54 | 232.43 | |||||
Net Income, 2 Yr. CAGR % | 146.23 | -45.26 | -65.16 | 157.47 | 230.72 | |||||
Normalized Net Income, 2 Yr. CAGR % | 107.4 | 74.85 | -32.84 | 76.94 | 63.73 | |||||
Diluted EPS Before Extra, 2 Yr. CAGR % | 122.69 | -41.57 | -92.05 | -77.22 | 35.73 | |||||
Gross Loans, 2 Yr. CAGR % | 0.59 | -4.84 | -2.05 | -2.14 | -0.99 | |||||
Allowance For Loan Losses, 2 Yr. CAGR % | - | -34.85 | -8.19 | -4.14 | 3.73 | |||||
Net Loans, 2 Yr. CAGR % | -0.8 | -3.26 | -1.88 | -2.09 | -1.11 | |||||
Non Performing Loans, 2 Yr. CAGR % | - | -39.13 | -8.04 | -7.41 | - | |||||
Non Performing Assets, 2 Yr. CAGR % | - | -39.13 | -8.04 | -7.41 | - | |||||
Total Assets, 2 Yr. CAGR % | 7.35 | 2.12 | -10.6 | -5.69 | 0.98 | |||||
Total Deposits, 2 Yr CAGR % | 12.94 | 11.09 | -5.89 | -9.19 | -4.62 | |||||
Tangible Book Value, 2 Yr. CAGR % | -20.14 | -14.04 | 16.89 | 27.94 | 22.19 | |||||
Common Equity, 2 Yr. CAGR % | -19.81 | -13.65 | 16.23 | 27.14 | 21.74 | |||||
Total Equity, 2 Yr. CAGR % | -19.81 | -13.65 | 16.23 | 27.13 | 21.73 | |||||
Compound Annual Growth Rate Over Three Years | ||||||||||
Net Interest Income, 3 Yr. CAGR % | -10.28 | -10.73 | 1.31 | 21.84 | 23.94 | |||||
Non Interest Income, 3 Yr. CAGR % | -7.42 | 2.79 | -5.09 | -3.84 | -2.06 | |||||
Provision For Loan Losses, 3 Yr. CAGR % | -47.98 | -31.35 | -10.66 | -16.83 | 27.41 | |||||
Total Revenues, 3 Yr. CAGR % | 15.94 | 0.59 | -0.3 | 15.33 | 8.81 | |||||
Earnings From Cont. Operations, 3 Yr. CAGR % | -21.7 | -3.51 | -41.34 | 6.75 | 85.44 | |||||
Net Income, 3 Yr. CAGR % | -21.58 | 3.57 | -41.7 | 6.75 | 84.72 | |||||
Normalized Net Income, 3 Yr. CAGR % | -48.72 | 45.86 | 26.71 | 28.19 | 52.76 | |||||
Diluted EPS Before Extra, 3 Yr. CAGR % | -40.48 | 0.22 | -78.03 | -78.07 | -63.19 | |||||
Gross Loans, 3 Yr. CAGR % | 0.57 | -0.26 | -3.62 | -1.72 | -1.73 | |||||
Allowance For Loan Losses, 3 Yr. CAGR % | - | - | -28.88 | -2.95 | -2.9 | |||||
Net Loans, 3 Yr. CAGR % | -0.35 | -1.19 | -2.43 | -1.69 | -1.7 | |||||
Non Performing Loans, 3 Yr. CAGR % | - | - | -33.02 | -3.67 | - | |||||
Non Performing Assets, 3 Yr. CAGR % | - | - | -33.02 | -3.67 | - | |||||
Total Assets, 3 Yr. CAGR % | 2.61 | 1.85 | -3.13 | -6.57 | -3.84 | |||||
Total Deposits, 3 Yr CAGR % | 7.8 | 8.58 | 2.88 | -6.12 | -7.06 | |||||
Tangible Book Value, 3 Yr. CAGR % | -17.98 | -11.97 | -1.96 | 20.6 | 24.28 | |||||
Common Equity, 3 Yr. CAGR % | -17.85 | -11.79 | -1.98 | 20.02 | 23.58 | |||||
Total Equity, 3 Yr. CAGR % | -17.85 | -11.79 | -1.98 | 20.01 | 23.57 | |||||
Compound Annual Growth Rate Over Five Years | ||||||||||
Net Interest Income, 5 Yr. CAGR % | -10.63 | -9.39 | -2.53 | 6.03 | 9.31 | |||||
Non Interest Income, 5 Yr. CAGR % | -11.27 | -4.82 | -6.53 | -1.57 | -1.66 | |||||
Provision For Loan Losses, 5 Yr. CAGR % | -17.75 | -46.47 | -39.53 | -6.61 | -7.61 | |||||
Total Revenues, 5 Yr. CAGR % | -7.76 | 64.55 | 13.21 | 4.33 | 5.96 | |||||
Earnings From Cont. Operations, 5 Yr. CAGR % | 34.07 | -37.45 | -43.37 | 42.9 | 14.21 | |||||
Net Income, 5 Yr. CAGR % | 34.2 | -37.48 | -43.33 | 49.09 | 13.56 | |||||
Normalized Net Income, 5 Yr. CAGR % | 10.26 | -32.28 | -42.16 | 57.35 | 61.01 | |||||
Diluted EPS Before Extra, 5 Yr. CAGR % | -41.18 | -69.05 | -73.41 | -44.59 | -55.71 | |||||
Gross Loans, 5 Yr. CAGR % | -8.09 | -7.65 | -0.28 | -0.6 | -2.58 | |||||
Allowance For Loan Losses, 5 Yr. CAGR % | -36.53 | -38.06 | - | - | -17.22 | |||||
Net Loans, 5 Yr. CAGR % | -5.02 | -3.88 | -0.75 | -1.12 | -1.91 | |||||
Non Performing Loans, 5 Yr. CAGR % | - | -38.43 | - | - | - | |||||
Non Performing Assets, 5 Yr. CAGR % | - | -38.43 | - | - | - | |||||
Total Assets, 5 Yr. CAGR % | -2.31 | -2.08 | -2.89 | -1.24 | -1.5 | |||||
Total Deposits, 5 Yr CAGR % | 3.56 | 5.81 | 2.1 | 1.09 | -0.19 | |||||
Tangible Book Value, 5 Yr. CAGR % | -9.45 | -0.31 | -5.53 | 2.23 | 7.24 | |||||
Common Equity, 5 Yr. CAGR % | -9.63 | -0.8 | -5.65 | 2.1 | 7.07 | |||||
Total Equity, 5 Yr. CAGR % | -9.68 | -0.9 | -5.65 | 2.1 | 7.06 |
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