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Financial statements and reports
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bilanci e relazioni bper - tabella conto economico
Consolidated results as at 31 December 2023
Reclassified consolidated income statement
31.12.2023
31.12.2022
% Change
Reclassified consolidated income statement
Net interest income
31.12.2023
3,251,817
31.12.2022
1,825,893
% Change
+78.09%
Net commission income
31.12.2023
2,010,426
31.12.2022
1,942,080
% Change
+3.52%
Operating income
31.12.2023
5,493,906
31.12.2022
4,258,351
% Change
+29.01%
Operating costs
31.12.2023
3,077,324
31.12.2022
2,787,766
% Change
+10.39%
Net operating income
31.12.2023
2,416,582
31.12.2022
1,470,585
% Change
+64.33%
Net impairement losses for credit risk
31.12.2023
436,261
31.12.2022
606,059
% Change
-28.02%
Profit (Loss) for the period pertaining to the Parent Company
31.12.2023
1,519,496
31.12.2022
1,448,975
% Change
+4.87%
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios (*)
31.12.2023
31.12.2022
Profitability ratios (*)
ROE
31.12.2023
24.15%
31.12.2022
7.94%
ROTE
31.12.2023
23.94%
31.12.2022
8.30%
Cost to income ratio (*)
31.12.2023
56.01%
31.12.2022
65.47%
(*) 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
31.12.2023
31.12.2022
Structural ratios
Number of employees
31.12.2023
20,224
31.12.2022
21,059
Number of national bank branches
31.12.2023
1,635
31.12.2022
1,913
bilanci - relazioni indici di rischiosità
Risk ratios
31.12.2023
31.12.2022
Risk ratios
Non - performing exposures / net loans to customers
31.12.2023
1.18%
31.12.2022
1.41%
Net bad loans / net loans to customers
31.12.2023
0.20%
31.12.2022
0.24%
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
31.12.2023 (*)
31.12.2022
Capital and liquidity ratios
CET 1 Ratio pro-forma
31.12.2023 (*)
14.46%
31.12.2022
12.04%
Tier 1 Ratio pro-forma
31.12.2023 (*)
14.74%
31.12.2022
12.32%
Total Capital Ratio pro-forma
31.12.2023 (*)
18.06%
31.12.2022
15.65%
Leverage Ratio
31.12.2023 (*)
n.a.
31.12.2022
4.3%
(*) The pro-forma capital ratios have been calculated including the result for the year, net of the pro-quota dividends, thus simulating, in advance, the effects of the authorisation issued by the ECB for the inclusion of these profits in Own Funds pursuant to art. 26, para. 2 of the CRR.
bilanci bper - dettagli Impieghi alla clientela
Description
31.12.2023
31.12.2022
% Change
Description
Loans to customers
31.12.2023
88,224
31.12.2022
91,175
% Change
-3.24%
Intangible assets
31.12.2023
649
31.12.2022
564
% Change
+15.17%
of which: goodwill
31.12.2023
170
31.12.2022
204
% Change
-16.82%
Total assets
31.12.2023
142,128
31.12.2022
152,303
% Change
-6.68%
Direct customers deposit
31.12.2023
118,767
31.12.2022
114,831
% Change
+3.43%
Indirect customer deposit
31.12.2023
149,021
31.12.2022
138,875
% Change
+7,31%
of which managed
31.12.2023
65,244
31.12.2022
60,597
% Change
+7.67%
of which administered
31.12.2023
83,776
31.12.2022
78,278
% Change
+7.02%
Bancassurance Life sector
31.12.2023
21,094
31.12.2022
24,279
% Change
-13.12%
Total shareholders' equity
31.12.2023
9,565
31.12.2022
8,121
% Change
+17.79%
value expressed in €/milions
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