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