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bilanci e relazioni bper - tabella conto economico
Group's preliminary consolidated results as at 31 December 2020
Reclassified consolidated income statement
31.12.2020
31.12.2019
% Change
Reclassified consolidated income statement
Net interest income
31.12.2020
1,238,876
31.12.2019
1,164,539
% Change
+6.38
Net commission income
31.12.2020
1,072, 514
31.12.2019
931,950
% Change
+15.08
Operating income
31.12.2020
2,509,021
31.12.2019
2,275,662
% Change
+10.25
Operating costs
31.12.2020
1,638,277
31.12.2019
1,686,592
% Change
-2.86
Net operating income
31.12.2020
870,744
31.12.2019
589,070
% Change
+47.82
Net impairement losses for credit risk
31.12.2020
541,877
31.12.2019
447,547
% Change
+21.08
Profit (Loss) for the period pertaining to the Parent Company
31.12.2020
245,650
31.12.2019
379,583
% Change
-35.28
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios
31.12.2020
31.12.2019
Profitability ratios
ROE
31.12.2020
4.58%
31.12.2019
8.66%
ROTE
31.12.2020
5.25%
31.12.2019
9.92%
Cost to income ratio (*)
31.12.2020
65.30%
31.12.2019
74.11%
(*) 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
31.12.2020
31.12.2019
Structural ratios
Number of employees
31.12.2020
13,177
31.12.2019
13,805
Number of national bank branches
31.12.2020
1,237
31.12.2019
1,349
bilanci - relazioni indici di rischiosità
Risk ratios
31.12.2020
31.12.2019
Risk ratios
Non - performing exposures / net loans to customers
31.12.2020
4.02%
31.12.2019
5.77%
Net bad loans / net loans to customers
31.12.2020
1.37%
31.12.2019
2.25%
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
31.12.2020
31.12.2019
Capital and liquidity ratios
CET 1 Ratio Phased in pro-forma (*)
31.12.2020
17.70%
31.12.2019
13.91%
Tier 1 Ratio - Phased in pro-forma (*)
31.12.2020
18.15%
31.12.2019
14.35%
Total Capital Ratio - Phased in pro-forma (*)
31.12.2020
21.18%
31.12.2019
16.82%
CET 1 Ratio Fully Loaded pro-forma(**)
31.12.2020
15.90%
31.12.2019
12.01%
Leverage Ratio - Phased in
31.12.2020
6.9%
31.12.2019
6.1%
Leverage Ratio - Fully Phased
31.12.2020
6.1%
31.12.2019
5.3%
(*) The Phased in 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. It should also be noted that such ratios are equal to 15.14% for the CET1 Ratio Phased in pro-forma, 15.60% for the T1 Ratio Phased in pro-forma and 18.66% for the TC Ratio Phased in pro-forma if we separate the impact of the increase in capital for the acquisition of going concern from the Intesa Sanpaolo Group.
(**) The CET1 ratio Fully Loaded pro-forma has been estimated excluding the effects of the transitional provisions in force and taking into account the expected absorption of deferred tax assets relating to first-time adoption of IFRS9 and 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. It should also be noted that such ratio is equal to 13.52% if we separate the impact of the increase in capital for the acquisition of going concern from the Intesa Sanpaolo Group.
bilanci bper - dettagli Impieghi alla clientela
Description
31.12.2020
31.12.2019
% Change
Description
Loans to customers
31.12.2020
53,006
31.12.2019
52,006
% Change
+1.92
Intangible assets
31.12.2020
703
31.12.2019
670
% Change
+4.91
of which: goodwill
31.12.2020
435
31.12.2019
435
% Change
-
Total assets
31.12.2020
93,050
31.12.2019
79,033
% Change
+17.74
Direct customers deposit
31.12.2020
63,141
31.12.2019
58,056
% Change
+8.76
Indirect customer deposit
31.12.2020
114,776
31.12.2019
110,623
% Change
+3.75
of which managed
31.12.2020
42,719
31.12.2019
41,714
% Change
+2.41
of which administered
31.12.2020
72,057
31.12.2019
68,909
% Change
+4.57
Bancassurance Life sector
31.12.2020
7,301
31.12.2019
6,821
% Change
+7.04
Total shareholders' equity
31.12.2020
6,331
31.12.2019
5,292
% Change
+19.64
value expressed in €/milions
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