Financial statements and reports
Financial statements and reports
Consolidated interim report as at 31 March 2024
|
Reclassified consolidated income statement
|
31.03.2024
|
31.03.2023
|
Change %
|
|---|---|---|---|
|
Net interest income
|
3,251,817
|
1,825,893
|
+78.09%
|
|
Net commission income
|
2,010,426
|
1,942,080
|
+3.52%
|
|
Operating income
|
5,493,906
|
4,258,351
|
+29.01%
|
|
Operating costs
|
700,977
|
675,790
|
+3.73%
|
|
Net operating income
|
654,871
|
654,168
|
+0.11%
|
|
Net impairement losses for credit risk
|
92,223
|
142,411
|
-35.24%
|
|
Profit (Loss) for the period pertaining to the Parent Company
|
457,276
|
290,675
|
+57.32%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Titolo
Valori in migliaia di euro
Titolo paragrafo
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Tabella 3 colonne
|
Profitability ratios (*)
|
31.03.2024
|
2023
|
|---|---|---|
|
ROE
|
14.05%
|
24.15%
|
|
ROTE
|
14.43%
|
23.94%
|
|
Cost to income ratio (*)
|
51.70%
|
50.81%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Titolo
(*) The Cost to income ratio has been calculated on the basis of the layout of the reclassified income statement (operating expenses / operating income).
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Tabella 3 colonne
|
Structural ratios
|
31.03.2024
|
31.12.2023
|
|---|---|---|
|
Number of employees
|
19,850
|
20,224
|
|
Number of national bank branches
|
1,635
|
1,635
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Tabella 3 colonne
|
Risk ratios
|
31.03.2024
|
31.12.2023
|
|---|---|---|
|
Non - performing exposures / net loans to customers
|
1.22%
|
1.18%
|
|
Net bad loans / net loans to customers
|
0.21%
|
0.20%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Tabella 3 colonne
|
Capital and liquidity ratios
|
31.03.2024
|
31.12.2023
|
|---|---|---|
|
CET 1 Ratio
|
14.92%
|
14.46%
|
|
Tier 1 Ratio
|
16.13%
|
14.74%
|
|
Total Capital Ratio
|
19.46%
|
18.06%
|
|
Leverage Ratio
|
6.0%
|
5.5%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Titolo
Titolo paragrafo
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Voluptas facilis id unde et dolore sapiente quo rerum. Eos ullam ad.
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Tabella 4 colonne
|
Description
|
31.03.2024
|
31.12.2023
|
Change%
|
|---|---|---|---|
|
Loans to customers
|
87,709
|
88,224
|
-0.58%
|
|
Intangible assets
|
661
|
649
|
+1.86%
|
|
of which: goodwill
|
170
|
170
|
-
|
|
Total assets
|
140,069
|
142,128
|
-1.45%
|
|
Direct customers deposit
|
118,096
|
118,767
|
-0.57%
|
|
Indirect customer deposit
|
156,898
|
138,875
|
+5.29%
|
|
of which managedof which administered
|
67,270
|
65,245
|
+3.10%
|
|
of which administered
|
89,627
|
83,776
|
+6.98%
|
|
Bancassurance Life sector
|
21,372
|
21,094
|
+1.32%
|
|
Total shareholders' equity
|
10,522
|
9,565
|
+10.00%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Titolo
value expressed in €/milions
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Vedi
Scarica