FY 2024 consolidated results
Figures refer to the Cassa Centrale - Credito Cooperativo Italiano Group.
| Income statement | 31.12.2024 |
|---|---|
| Net interest margin | 2,456 |
| Net fee and commission income | 837 |
| Operating income | 3,035 |
| Net income attributable to the Group | 1,168 |
KPIs (€m)
| Balance sheet | 31.12.2024 |
|---|---|
| Loans to customers | 70,368 |
| Total Assets | 87,037 |
| Due to customers | 66,309 |
| Group's consolidated equity | 9,380 |
KPIs (€m)
| Key Ratios | 31.12.2024 |
|---|---|
| Profitability ratios | |
| Return on Equity | 12.5% |
| Return on Assets | 1.3% |
| Core Cost/Income ratio | 53% |
| Structural ratios | |
| Loans to customers / Total Assets* | 56% |
| Equity / Total Assets | 10.8% |
| Risk management ratios | |
| Gross NPL Ratio | 3.5% |
| NPL Coverage ratio | 81% |
| Net NPL Ratio | 0.7% |
| Capital ratios | |
| CET1 ratio | 26.8% |
| Tier1 ratio | 26.8% |
| Total capital ratio | 26.8% |
| Other KPIs | |
| Net loans to customers | 48,614 |
| Direct funding | 73,287 |
| Number of employees | 12,284 |
* Loans to customers include loans and advances to customers at amortised cost and fair value, thus differing from the exposures to customers shown in the financial statement.
FY 2023 consolidated results
Figures refer to the Cassa Centrale - Credito Cooperativo Italiano Group.
| Income statement | 31.12.2023 |
|---|---|
| Net interest margin | 2,396 |
| Net fee and commission income | 795 |
| Operating income | 2,834 |
| Net income attributable to the Group | 871 |
KPIs (€m)
| Balance sheet | 31.12.2023 |
|---|---|
| Loans to customers | 71,483 |
| Total Assets | 89,579 |
| Due to customers | 63,299 |
| Group's consolidated equity | 8,220 |
KPIs (€m)
| Key Ratios | 31.12.2023 |
|---|---|
| Profitability ratios | |
| Return on Equity | 10.6% |
| Return on Assets | 1.0% |
| Core Cost/Income ratio | 52% |
| Structural ratios | |
| Loans to customers / Total Assets* | 54% |
| Equity / Total Assets | 9.2% |
| Risk management ratios | |
| Gross NPL ratio | 4.2% |
| NPL Coverage ratio | 85% |
| Capital ratios | |
| CET1 ratio | 24.6% |
| Tier1 ratio | 24.6% |
| Total capital ratio | 24.6% |
| Other KPIs | |
| Net loans to customers | 47,898 |
| Direct funding | 69,002 |
| Number of employees | 12,014 |
* Loans to customers include loans and advances to customers at amortised cost and fair value, thus differing from the exposures to customers shown in the financial statement.
FY 2022 consolidated results
Figures refer to the Cassa Centrale - Credito Cooperativo Italiano Group.
| Income statement | 31.12.2022 |
|---|---|
| Net interest margin | 1,845 |
| Net fee and commission income | 755 |
| Operating income | 2,515 |
| Net income attributable to the Group | 562 |
KPIs (€m)
| Balance sheet | 31.12.2022 |
|---|---|
| Loans to customers | 74,931 |
| Total Assets | 92,836 |
| Due to customers | 64,114 |
| Group's consolidated equity | 7,207 |
KPIs (€m)
| Key Ratios | 31.12.2022 |
|---|---|
| Profitability ratios | |
| Return on Equity | 7.8% |
| Return on Assets | 0.6% |
| Core Cost/Income ratio | 59% |
| Structural ratios | |
| Loans to customers / Total Assets* | 51.6% |
| Equity / Total Assets | 7.8% |
| Risk management ratios | |
| Gross NPL ratio | 4.8% |
| NPL Coverage ratio | 82% |
| Capital ratios | |
| CET1 ratio | 22.8% |
| Tier1 ratio | 22.8% |
| Total capital ratio | 22.8% |
| Other KPIs | |
| Net loans to customers | 47,884 |
| Direct funding | 67,196 |
| Number of employees | 11,702 |
* Loans to customers include loans and advances to customers at amortised cost and fair value, thus differing from the exposures to customers shown in the financial statement.
