Financial statements and reports
Financial statements and reports
Navigation Menu
bilanci e relazioni bper - tabella conto economico
Consolidated interim report on operations as at 30 September 2022
Reclassified consolidated income statement
30.09.2022
30.09.2021
% Change
Reclassified consolidated income statement
Net interest income
30.09.2022
1,260,430
30.09.2021
1,119,419
% Change
+12.60%
Net commission income
30.09.2022
1,418,014
30.09.2021
1,172,409
% Change
+20.95%
Operating income
30.09.2022
2,814,054
30.09.2021
2,490,797
% Change
+12.98%
Operating costs
30.09.2022
1,802,527
30.09.2021
1,629,245
% Change
+10.64%
Net operating income
30.09.2022
1,011,527
30.09.2021
861,552
% Change
+17.41%
Net impairement losses for credit risk
30.09.2022
334,599
30.09.2021
714,497
% Change
-53.17%
Profit (Loss) for the period pertaining to the Parent Company
30.09.2022
1,466,376
30.09.2021
586,223
% Change
+150.14%
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios
30.09.2022
2021 (*)
Profitability ratios
ROE
30.09.2022
9.05%
2021 (*)
8.66%
ROTE
30.09.2022
9.33%
2021 (*)
9.57%
Cost to income ratio (**)
30.09.2022
64.05%
2021 (*)
69.53%
(*)ROE and ROTE, have been calculated on figures at 31 December 2021 as per the Consolidated financial statements as at 31 December 2021, while Cost to income ratio has been calculated on figures at 30 September 2021 as per the Consolidated interim report on operations as at 30 September 2021.
(**) 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
30.09.2022
31.12.2021
Structural ratios
Number of employees
30.09.2022
21,025
31.12.2021
18,128
Number of national bank branches
30.09.2022
1,987
31.12.2021
1,742
bilanci - relazioni indici di rischiosità
Risk ratios
30.09.2022
31.12.2021
Risk ratios
Non - performing exposures / net loans to customers
30.09.2022
1.68%
31.12.2021
2.02%
Net bad loans / net loans to customers
30.09.2022
0.48%
31.12.2021
0.72%
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
30.09.2022
31.12.2021
Capital and liquidity ratios
CET 1 Ratio Phased in pro-forma (*)
30.09.2022
12.95%
31.12.2021
14.50%
Tier 1 Ratio - Phased in pro-forma (*)
30.09.2022
13.23%
31.12.2021
14.84%
Total Capital Ratio - Phased in pro-forma (*)
30.09.2022
16.12%
31.12.2021
17.16%
CET 1 Ratio Fully Phased pro-forma (*)
30.09.2022
12.53%
31.12.2021
13.50%
Leverage Ratio - Phased in
30.09.2022
n.a
31.12.2021
4.8%
Leverage Ratio - Fully Phased
30.09.2022
n.a.
31.12.2021
4.5%
(*) The pro-forma capital ratios have been calculated including the result for the period, 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
30.09.2022
31.12.2021
% Change
Description
Loans to customers
30.09.2022
90,801
31.12.2021
79,113
% Change
+14.77%
Intangible assets
30.09.2022
489
31.12.2021
459
% Change
+6.46%
of which: goodwill
30.09.2022
204
31.12.2021
204
% Change
-
Total assets
30.09.2022
162,954
31.12.2021
136,348
% Change
+19.51%
Direct customers deposit
30.09.2022
116,679
31.12.2021
101,388
% Change
+15.08%
Indirect customer deposit
30.09.2022
131,892
31.12.2021
146,986
% Change
-10.27%
of which managed
30.09.2022
57,675
31.12.2021
64,823
% Change
-11.03%
of which administered
30.09.2022
74,217
31.12.2021
82,163
% Change
-9.67%
Bancassurance Life sector
30.09.2022
23,695
31.12.2021
19,291
% Change
+22.83%
Total shareholders' equity
30.09.2022
8,031
31.12.2021
6,859
% Change
+17.10%
value expressed in €/milions
bper-events-archive
Archive
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
