bilanci e relazioni bper - tabella conto economico

Consolidated interim report as at 30 September 2019

Reclassified consolidated income statement

30.09.2019

30.09.2018

% Change

Reclassified consolidated income statement

Net interest income

30.09.2019

862,093

30.09.2018

850,092

% Change

+1.41
Net commission income

30.09.2019

656,070

30.09.2018

577,081

% Change

+13.69
Operating income

30.09.2019

1,643,770

30.09.2018

1,662,560

% Change

-1.13
Operating costs

30.09.2019

1,071,774

30.09.2018

1,010,834

% Change

+6.03
Net operating income

30.09.2019

571,996

30.09.2018

651,726

% Change

-12.23
Net impairement losses for credit risk

30.09.2019

309,057

30.09.2018

155,871

% Change

+98.28
Profit (Loss) for the period pertaining to the Parent Company

30.09.2019

522.925

30.09.2018

358.126

% Change

+46.02
Value expressed in €/thousands

bilanci ber - tabella indice redittivita

Profitability ratios

30.09.2019

30.09.2018 (*)

Profitability ratios

ROE

30.09.2019

16.03%

30.09.2018 (*)

9.06%
ROTE

30.09.2019

18.25%

30.09.2018 (*)

10.15%
Cost to income ratio (**)

30.09.2019

65.20%

30.09.2018 (*)

60.80%
(*) ROE and ROTE have been calculated on an annual basis replicating the profit (loss) for the period for the rest of the year.
(**) The Cost to income ratio has been calculated on the basis of the layout of the reclassified income statement (operating expenses / operating income).

bilanci bper - tabella indici di struttura

Structural ratios

30.09.2019

31.12.2018

Structural ratios

Number of employees

30.09.2019

13,910

31.12.2018

11,615
Number of national bank branches

30.09.2019

1,429

31.12.2018

1,218

bilanci - relazioni indici di rischiosità

Risk ratios

30.09.2019

31.12.2018

Risk ratios

Non - performing exposures / net loans to customers

30.09.2019

6.07%

31.12.2018

6.81%
Net bad loans / net loans to customers

30.09.2019

2.41%

31.12.2018

3.08%

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

30.09.2019

31.12.2018

Capital and liquidity ratios

CET 1 Ratio Phased in

30.09.2019

13.23%

31.12.2018

14.27%
Tier 1 Ratio - Phased in

30.09.2019

13.66%

31.12.2018

14.37%
Total Capital Ratio - Phased in

30.09.2019

16.22%

31.12.2018

17.25%
CET 1 Ratio Fully Phased

30.09.2019

12.36%

31.12.2018

11.95%
Leverage Ratio - Phased in

30.09.2019

5.7%

31.12.2018

6.0%
Leverage Ratio - Fully Phased

30.09.2019

5.3%

31.12.2018

5.0%

bilanci bper - dettagli Impieghi alla clientela

Description

30.09.2019

31.12.2018

% Change

Description

Loans to customers

30.09.2019

52,496

31.12.2018

47,051

% Change

+11.57
Intangible assets

30.09.2019

612

31.12.2018

446

% Change

37.37
of which: goodwill

30.09.2019

435

31.12.2018

265

% Change

+64.22
Total assets

30.09.2019

80,695

31.12.2018

70,635

% Change

+14.24
Direct customers deposit

30.09.2019

58,167

31.12.2018

49,996

% Change

+16.34
Indirect customer deposit

30.09.2019

107,442

31.12.2018

36,257

% Change

+196.33
of which managed

30.09.2019

38,013

31.12.2018

19,331

% Change

+96.64
of which administered

30.09.2019

69,429

31.12.2018

16,926

% Change

+310.18
Bancassurance

30.09.2019

6,576

31.12.2018

5,097

% Change

+29.02
Total shareholders' equity

30.09.2019

5,432

31.12.2018

4,897

% Change

+10.94
value expressed in €/milions

bper-events-archive