Strong capital position with a fully phased CET1 ratio1 of 10.66% (11.09% phased in) without considering the potential benefits that should come from the validation of internal models ("AIRB")
Total net profit for the period of € 75.8 million, significantly up on the first nine months of 2013
Net interest and other banking income increased during the period, helped by the rise in net interest income and the result from financial activities
Coverage of total doubtful loans of 39.6% at 30 September, substantially stable compared with June (+228 bps on December 2013)
The asset quality review (AQR) and the stress tests performed by the ECB and EBA confirmed BPER's financial solidity, showing a capital excess of more than € 630 million, compared with the "adverse" stress test scenario for 2016, thanks, in particular, to the effects of the € 750 million increase in capital completed in July
Following the positive result of the AQR and thanks to the prudent approach taken by the Group in terms of loan loss provisions and coverage, additional adjustments to loans are not expected on the individual positions analyzed as part of the Credit File Review.