Home › The Banca Carige Group › Consolidated financial highlights
Consolidated financial highlights
| Situation as at | Change % | ||||||
|---|---|---|---|---|---|---|---|
| 31/12/2008 | 30/09/2008 | 31/12/2007 | 31/12/2006 | 12/08 09/08 | 12/08 12/07 |
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| BALANCE SHEET (1) | |||||||
| Total assets | 31,986,445 | 30,328,603 | 27,463,676 | 25,287,094 | 5.5 | 16.5 | |
| Fundingi | 22,965,533 | 21,562,315 | 19,773,044 | 18,213,546 | 6.5 | 16.1 | |
| - Direct Deposits (a) | 22,164,080 | 20,475,929 | 17,386,168 | 16,313,159 | 8.2 | 27.5 | |
| * Amounts owed to customers | 12,005,439 | 10,766,712 | 9,571,945 | 9,364,602 | 11.5 | 25.4 | |
| * Securities in issue | 9,578,795 | 9,142,064 | 7,281,050 | 6,395,131 | 4.8 | 31.6 | |
| * Liabilities at fair valuei | 579,846 | 567,153 | 533,173 | 553,426 | 2.2 | 8.8 | |
| - Amounts owed to banks | 801,453 | 1,086,386 | 2,386,876 | 1,900,387 | -26.2 | -66.4 | |
| Indirect deposits (b) | 20,960,268 | 21,905,132 | 20,235,447 | 19,480,975 | -4.3 | 3.6 | |
| - Assets under management | 10,438,552 | 10,947,485 | 10,330,790 | 10,242,164 | -4.6 | 1.0 | |
| - Assets in custody | 10,521,716 | 10,957,647 | 9,904,657 | 9,238,811 | -4.0 | 6.2 | |
| Financial Intermediation Activites (FIA) (a+b) | 43,124,348 | 42,381,061 | 37,621,615 | 35,794,134 | 1.8 | 14.6 | |
| Investments (2) | 27,450,047 | 26,251,790 | 24,288,649 | 22,469,221 | 4.6 | 13.0 | |
| - Loans to customers (2) | 21,119,889 | 19,558,913 | 17,478,165 | 16,061,523 | 8.0 | 20.8 | |
| - Loans to banks (2) | 986,953 | 1,258,780 | 1,511,092 | 1,101,039 | -21.6 | -34.7 | |
| - Securities portfolio (2) | 5,343,205 | 5,434,097 | 5,299,392 | 5,306,659 | -1.7 | 0.8 | |
| Capital and reserves | 3,336,250 | 3,487,217 | 2,622,990 | 2,553,817 | -4.3 | 27.2 | |
| INCOME STATEMENT (1) | |||||||
| Gross operating income | 1,030,590 | 760,521 | 968,403 | 874,110 | 6.4 | ||
| Net income from financial and insurance management | 910,675 | 658,995 | 875,618 | 734,034 | 4.0 | ||
| Operating income from ordinary activities before taxes | 308,747 | 235,176 | 369,588 | 239,175 | -16.5 | ||
| Profit for the period | 205,504 | 163,048 | 204,813 | 137,872 | 0.3 | ||
| RESOURCES (3) | |||||||
| Number of branches | 643 | 603 | 522 | 512 | 6.6 | 23.2 | |
| Insurance agencies | 378 | 375 | 376 | 386 | 0.8 | 0.5 | |
| Number of bank employees | 5,523 | 5,264 | 4,706 | 4,669 | 4.9 | 17.4 | |
| Number of bank and insurance employees | 5,906 | 5,635 | 5,069 | 5,029 | 4.8 | 16.5 | |
| FINANCIAL RATIOS | |||||||
| Operating costs/Gross operating margin (4) | 58.94% | 56.08% | 53.21% | 57.55% | |||
| Operating profit from ordinary activities before taxes/Capital and reserves | 9.25% | 6.74% | 14.09% | 9.37% | |||
| ROE | 6.16% | 4.68% | 7.81% | 5.40% | |||
| ROE (5) | 7.65% | 5.75% | 10.28% | 7.11% | |||
| ROAE (6) | 6.90% | 5.34% | 7.91% | 5.88% | |||
| ROAE (5) (6) | 8.79% | 6.75% | 10.42% | 7.77% | |||
| Earnings per share (in €) | |||||||
| - basic | 0,118 | 0,094 | 0,145 | 0,101 | |||
| - diluted | 0,118 | 0,094 | 0,145 | 0,101 | |||
| RISK ASSETS AND REGULATORY RATIOS (7) | |||||||
| Total Risk-Weighted Assetsi (1) | 19,073,381 | 18,315,138 | 17,976,624 | 16,107,913 | 4.1 | 6.1 | |
| Core Tier 1/Total Risk-Weighted Assetsi | 7.08% | 8.17% | 7.81% | 8.30% | |||
| Tier 1 capital / RWA | 7.92% | 8.17% | 7.81% | 8.30% | |||
| Regulatory capitali/Total weighted assets | 10.57% | 10.10% | 9.19% | 10.49% | |||
(1) Figures in thousands of €
(2) Gross of value adjustments and net of debt securities classified as L&R.
(3) Statistics of the end of period.
(4) Before allocations to provisions for risks and charges; 2006 figure differs from the data recorded in the relative Financial Statements, which was calculated net of those allocations.
(5) Net of the AFS reserve established against the revaluation of the equity investment in the Bank of Italy.
(6) Net profit on average shareholders' equity (Return On Average Equity).
(7) The figures as at 31/12/2008 were estimated on management data as they are the official consolidated figures to be disclosed to the Bank of Italy after the publication of the financial statements . The figures as at 30/09/2008 are estimanted on management data as they are not the official figures to be disclosed to the Bank of Italy. The data as at 31/12/2007 and as at 31/12/2006 are official and reported to the Bank of Italy. They differ from the management data shown in the relevant financial statements. Capital ratios were calculated based on supervisory regulations in force from time to time.