bilanci e relazioni bper - tabella conto economico

Consolidated interim report as at 30 September 2023

Reclassified consolidated income statement

30.09.2023

30.09.2022

% Change

Reclassified consolidated income statement

Net interest income

30.09.2023

2,381,517

30.09.2022

1,260,430

% Change

+88.94%
Net commission income

30.09.2023

1,481,386

30.09.2022

1,418,014

% Change

+4.47%
Operating income

30.09.2023

4,026,046

30.09.2022

2,814,054

% Change

+43.07%
Operating costs

30.09.2023

1,995,534

30.09.2022

1,802,527

% Change

+10.71%
Net operating income

30.09.2023

2,030,512

30.09.2022

1,011,527

% Change

+100.74%
Net impairement losses for credit risk

30.09.2023

364,681

30.09.2022

334,599

% Change

+8.99%
Profit (Loss) for the period pertaining to the Parent Company

30.09.2023

1,087,070

30.09.2022

1,466,376

% Change

-25.87%
Value expressed in €/thousands

bilanci ber - tabella indice redittivita

Profitability ratios (*)

30.09.2023

2022(*)

Profitability ratios (*)

ROE

30.09.2023

20.37%

2022(*)

7.94%
ROTE

30.09.2023

20.55%

2022(*)

8.30%
Cost to income ratio (**)

30.09.2023

49.57%

2022(*)

64.05%
(*) ROE and ROTE have been calculated on figures at 31 December 2022 , while cost to income ratio has been calculated on figures at 30 September 2022
(**) 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

30.09.2023

31.12.2022

Structural ratios

Number of employees

30.09.2023

20,318

31.12.2022

21,059
Number of national bank branches

30.09.2023

1,759

31.12.2022

1,913

bilanci - relazioni indici di rischiosità

Risk ratios

30.09.2023

31.12.2022

Risk ratios

Non - performing exposures / net loans to customers

30.09.2023

1.25%

31.12.2022

1.41%
Net bad loans / net loans to customers

30.09.2023

0.23%

31.12.2022

0.24%

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

30.09.2023

31.12.2022

Capital and liquidity ratios

CET 1 Ratio

30.09.2023

14.92%

31.12.2022

12.04%
Tier 1 Ratio

30.09.2023

15.21%

31.12.2022

12.32%
Total Capital Ratio

30.09.2023

18.64%

31.12.2022

15.65%
Leverage Ratio

30.09.2023

5.4%

31.12.2022

4.3%

bilanci bper - dettagli Impieghi alla clientela

Description

30.09.2023

31.12.2022

% Change

Description

Loans to customers

30.09.2023

86,672

31.12.2022

91,175

% Change

-4.94%
Intangible assets

30.09.2023

572

31.12.2022

564

% Change

+1.54%
of which: goodwill

30.09.2023

198

31.12.2022

204

% Change

-3,31%
Total assets

30.09.2023

143,457

31.12.2022

152,303

% Change

-5.81%
Direct customers deposit

30.09.2023

120,127

31.12.2022

114,831

% Change

+4.61%
Indirect customer deposit

30.09.2023

140,201

31.12.2022

138,875

% Change

+0.95%
of which managed

30.09.2023

61,581

31.12.2022

60,597

% Change

+1.62%
of which administered

30.09.2023

78,621

31.12.2022

78,278

% Change

+0.44%
Bancassurance Life sector

30.09.2023

22,483

31.12.2022

24,279

% Change

-7.40%
Total shareholders' equity

30.09.2023

9,054

31.12.2022

8,121

% Change

+11.49%
value expressed in €/milions

bper-events-archive