Financial statements and reports
Financial statements and reports
Navigation Menu
bilanci e relazioni bper - tabella conto economico
Consolidated interim report as at 31 March 2019
Reclassified consolidated income statement
31.03.2019
31.03.2018
% Change
Reclassified consolidated income statement
Net interest income
31.03.2019
273,896
31.03.2018
293,234
% Change
-6.59
Net commission income
31.03.2019
192,544
31.03.2018
198,120
% Change
-2.81
Operating income
31.03.2019
495,378
31.03.2018
657,057
% Change
-24.61
Operating costs
31.03.2019
337,733
31.03.2018
331,158
% Change
+1.99
Net operating income
31.03.2019
157,645
31.03.2018
325,899
% Change
-51.63
Net impairement adjustment to loans
31.03.2019
72,485
31.03.2018
26,141
% Change
177.28
Profit (Loss) for the period pertaining to the Parent Company
31.03.2019
47,971
31.03.2018
251,023
% Change
-80.89
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios
31.03.2019
31.03.2018 (*)
Profitability ratios
ROE
31.03.2019
4.64%
31.03.2018 (*)
9.06%
ROTE
31.03.2019
5.18%
31.03.2018 (*)
10.15%
Cost to income ratio (**)
31.03.2019
68.18%
31.03.2018 (*)
50.40%
(*) 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
31.03.2019
31.12.2018
Structural ratios
Number of employees
31.03.2019
11,613
31.12.2018
11,615
Number of national bank branches
31.03.2019
1,170
31.12.2018
1,218
bilanci - relazioni indici di rischiosità
Risk ratios
31.03.2019
31.12.2018
Risk ratios
Non - performing exposures / net loans to customers
31.03.2019
6.79%
31.12.2018
6.81%
Net bad loans / net loans to customers
31.03.2019
3.06%
31.12.2018
3.08%
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
31.03.2019
31.12.2018
Capital and liquidity ratios
CET 1 Ratio Phased in
31.03.2019
14.24%
31.12.2018
14.27%
Tier 1 Ratio - Phased in
31.03.2019
14.32%
31.12.2018
14.37%
Total Capital Ratio - Phased in
31.03.2019
17.23%
31.12.2018
17.25%
CET 1 Ratio Fully Phased
31.03.2019
12.24%
31.12.2018
11.95%
Leverage Ratio - Phased in
31.03.2019
6.0%
31.12.2018
6.0%
Leverage Ratio - Fully Phased
31.03.2019
5.2%
31.12.2018
5.0%
bilanci bper - dettagli Impieghi alla clientela
Description
31.03.2019
31.12.2018
% Change
Description
Loans to customers
31.03.2019
52,469
31.12.2018
52,747
% Change
-0.53
Intangible assets
31.03.2019
438
31.12.2018
446
% Change
-1.67
of which: goodwill
31.03.2019
265
31.12.2018
265
% Change
-
Total assets
31.03.2019
71,097
31.12.2018
70,635
% Change
+0.65
Direct customers deposit
31.03.2019
50,621
31.12.2018
49,996
% Change
+1.25
Indirect customer deposit
31.03.2019
37,446
31.12.2018
36,257
% Change
+3.28
of which managed
31.03.2019
19,913
31.12.2018
19,331
% Change
+3.01
of which administered
31.03.2019
17,533
31.12.2018
16,926
% Change
+3.58
Bancassurance
31.03.2019
5,297
31.12.2018
5,097
% Change
+3.92
Total shareholders' equity
31.03.2019
4,961
31.12.2018
4,897
% Change
+1.33
value expressed in €/milions
bper-events-archive
Archive
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
