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bilanci e relazioni bper - tabella conto economico
Consolidated interim report on operations as at 31 March 2020
Reclassified consolidated income statement
31.03.2020
31.03.2019
% Change
Reclassified consolidated income statement
Net interest income
31.03.2020
307,971
31.03.2019
273,896
% Change
+12.44
Net commission income
31.03.2020
267,595
31.03.2019
192,544
% Change
+38.98
Operating income
31.03.2020
596,624
31.03.2019
495,378
% Change
+20.44
Operating costs
31.03.2020
411,079
31.03.2019
337,733
% Change
+21.72
Net operating income
31.03.2020
185,545
31.03.2019
157,645
% Change
+17.70
Net impairement losses for credit risk
31.03.2020
139,553
31.03.2019
72,485
% Change
+92.53
Profit (Loss) for the period pertaining to the Parent Company
31.03.2020
6,082
31.03.2019
47,971
% Change
-87.32
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios
31.03.2020
31.03.2019(*)
Profitability ratios
ROE
31.03.2020
0.50%
31.03.2019(*)
8.66%
ROTE
31.03.2020
0.58%
31.03.2019(*)
9.92%
Cost to income ratio (**)
31.03.2020
68.90%
31.03.2019(*)
68.18%
(*) ROE and ROTE, have been calculated on figures at 31 December 2019 as per the Consolidated financial statements as at 31 December 2019.
(**) 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
31.03.2020
31.12.2019
Structural ratios
Number of employees
31.03.2020
13,780
31.12.2019
13,805
Number of national bank branches
31.03.2020
1,349
31.12.2019
1,349
bilanci - relazioni indici di rischiosità
Risk ratios
31.03.2020
31.12.2019
Risk ratios
Non - performing exposures / net loans to customers
31.03.2020
5.71%
31.12.2019
5.77%
Net bad loans / net loans to customers
31.03.2020
2.27%
31.12.2019
2.25%
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
31.03.2020
31.12.2019
Capital and liquidity ratios
CET 1 Ratio Phased in
31.03.2020
13.60%
31.12.2019
13.91%
Tier 1 Ratio - Phased in
31.03.2020
14.05%
31.12.2019
14.35%
Total Capital Ratio - Phased in
31.03.2020
16.59%
31.12.2019
16.82%
CET 1 Ratio Fully Loaded
31.03.2020
12.07%
31.12.2019
12.01%
Leverage Ratio - Phased in
31.03.2020
5.7%
31.12.2019
6.1%
Leverage Ratio - Fully Phased
31.03.2020
5.1%
31.12.2019
5.3%
bilanci bper - dettagli Impieghi alla clientela
Description
31.03.2020
31.12.2019
% Change
Description
Loans to customers
31.03.2020
51,034
31.12.2019
52,006
% Change
-1.87
Intangible assets
31.03.2020
661
31.12.2019
670
% Change
-1.35
of which: goodwill
31.03.2020
435
31.12.2019
435
% Change
-
Total assets
31.03.2020
80,099
31.12.2019
79,033
% Change
+1.35
Direct customers deposit
31.03.2020
57,136
31.12.2019
58,055
% Change
-1.58
Indirect customer deposit
31.03.2020
101,621
31.12.2019
110,623
% Change
-8.14
of which managed
31.03.2020
37,423
31.12.2019
41,714
% Change
-10.26
of which administered
31.03.2020
64,189
31.12.2019
68,909
% Change
-6,85
Bancassurance
31.03.2020
7,006
31.12.2019
6,937
% Change
+0,99
Total shareholders' equity
31.03.2020
5,184
31.12.2019
5,292
% Change
-2.04
value expressed in €/milions
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