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bilanci e relazioni bper - tabella conto economico
Preliminary consolidated results of the Group at 31 December 2018
Summary data as at: 08/02/2019
Reclassified consolidated income statement
31.12.2018
31.12.2017
Var %
Reclassified consolidated income statement
Net interest income
31.12.2018
1,122,437
31.12.2017
1,124,479
Var %
-0.18
Net commission income
31.12.2018
776,265
31.12.2017
740,628
Var %
+4.81
Operating income
31.12.2018
2,081,272
31.12.2017
2,038,847
Var %
+2.08
Operating costs
31.12.2018
1,382,864
31.12.2017
1,296,518
Var %
+6.66
Net operating income
31.12.2018
698,408
31.12.2017
742,329
Var %
-5.92
Net impairement adjustment to loans
31.12.2018
225,772
31.12.2017
535,975
Var %
-57.88
Profit (Loss) for the period pertaining to the Parent Company
31.12.2018
401,953
31.12.2017
176,438
Var %
+127.82
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios
31.12.2018
31.12.2017
Profitability ratios
ROE
31.12.2018
9.06%
31.12.2017
3.62%
ROTE
31.12.2018
10.15%
31.12.2017
4.04%
Cost to income ratio (*)
31.12.2018
66.44%
31.12.2017
63.59%
(*) 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
31.12.2018
31.12.2017
Structural ratios
Number of employees
31.12.2018
11,615
31.12.2017
11,653
Number of national bank branches
31.12.2018
1,218
31.12.2017
1,218
bilanci - relazioni indici di rischiosità
Risk ratios
31.12.2018
01.01.2018 (*)
Risk ratios
Non - performing exposures / net loans to customers
31.12.2018
6.81%
01.01.2018 (*)
9.21%
Net bad loans / net loans to customers
31.12.2018
3.08%
01.01.2018 (*)
4.99%
(*) The comparative figures have been appropriately recalculated at 1 January 2018 to take account of the impact of first-time application of IFRS 9
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
31.12.2018
01.01.2018 (*)
Capital and liquidity ratios
CET 1 Ratio Phased in
31.12.2018
14.27%
01.01.2018 (*)
13.62%
Tier 1 Ratio - Phased in
31.12.2018
14.37%
01.01.2018 (*)
13.63%
Total Capital Ratio - Phased in
31.12.2018
17.25%
01.01.2018 (*)
16.14%
CET 1 Ratio Fully Phased
31.12.2018
11.95%
01.01.2018 (*)
11.06%
Leverage Ratio - Phased in
31.12.2018
6.0%
01.01.2018 (*)
6.1%
Leverage Ratio - Fully Phased
31.12.2018
5.0%
01.01.2018 (*)
6.0%
(*)The comparison values were calculated at 1 January 2018 in order to take account of the impacts arising from the first application of accounting standard IFRS9.
bilanci bper - dettagli Impieghi alla clientela
Description
31.12.2018
31.12.2017
Var %
Description
Loans to customers
31.12.2018
52,748
31.12.2017
48,356
Var %
+9.08
Intangible assets
31.12.2018
446
31.12.2017
507
Var %
-12.03
of which: goodwill
31.12.2018
265
31.12.2017
327
Var %
-19.06
Total assets
31.12.2018
70,635
31.12.2017
71,339
Var %
-0.99
Direct customers deposit
31.12.2018
49,996
31.12.2017
50,246
Var %
-0.50
Indirect customer deposit
31.12.2018
36,257
31.12.2017
35,864
Var %
+1.10
of which managed
31.12.2018
19,330
31.12.2017
19,754
Var %
-2.14
of which administered
31.12.2018
16,926
31.12.2017
16,110
Var %
+5.07
Bancassurance
31.12.2018
5,097
31.12.2017
4,788
Var %
+6.46
Total shareholders' equity
31.12.2018
4,897
31.12.2017
5,717
Var %
-14.35
value expressed in €/milions
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