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bilanci e relazioni bper - tabella conto economico
Consolidated interim report as at 31 March 2023
Reclassified consolidated income statement
31.03.2023
31.03.2022
% Change
Reclassified consolidated income statement
Net interest income
31.03.2023
725,989
31.03.2022
376,429
% Change
+92.86%
Net commission income
31.03.2023
506,098
31.03.2022
450,599
% Change
+12.33%
Operating income
31.03.2023
1,318,412
31.03.2022
883,743
% Change
+49.19%
Operating costs
31.03.2023
675,790
31.03.2022
558,428
% Change
+21.02%
Net operating income
31.03.2023
642,622
31.03.2022
325,315
% Change
+97.54%
Net impairement losses for credit risk
31.03.2023
140,537
31.03.2022
113,166
% Change
+24.19%
Profit (Loss) for the period pertaining to the Parent Company
31.03.2023
290,675
31.03.2022
112,672
% Change
+157.98%
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios (*)
31.03.2023
2022(*)
Profitability ratios (*)
ROE
31.03.2023
16.31%
2022(*)
7.94%
ROTE
31.03.2023
16.53%
2022(*)
8.30%
Cost to income ratio (**)
31.03.2023
51.26%
2022(*)
69.53%
(*) ROE and ROTE have been calculated on figures at 31 December 2022 , while cost to income ratio has been calculated on figures at 31 March 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
31.03.2023
31.12.2022
Structural ratios
Number of employees
31.03.2023
20,557
31.12.2022
21,059
Number of national bank branches
31.03.2023
1,759
31.12.2022
1,913
bilanci - relazioni indici di rischiosità
Risk ratios
31.03.2023
31.12.2022
Risk ratios
Non - performing exposures / net loans to customers
31.03.2023
1.32%
31.12.2022
1.41%
Net bad loans / net loans to customers
31.03.2023
0.22%
31.12.2022
0.24%
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
31.03.2023
31.12.2022
Capital and liquidity ratios
CET 1 Ratio pro-forma
31.03.2023
13.34%
31.12.2022
12.04%
Tier 1 Ratio pro-forma
31.03.2023
13.62%
31.12.2022
12.32%
Total Capital Ratio pro-forma
31.03.2023
16.95%
31.12.2022
15.65%
Leverage Ratio
31.03.2023
n.a
31.12.2022
4.3%
bilanci bper - dettagli Impieghi alla clientela
Description
31.03.2023
31.12.2022
% Change
Description
Loans to customers
31.03.2023
89,401
31.12.2022
91,175
% Change
-1.95%
Intangible assets
31.03.2023
560
31.12.2022
564
% Change
-0.70%
of which: goodwill
31.03.2023
204
31.12.2022
204
% Change
-
Total assets
31.03.2023
151,139
31.12.2022
152,303
% Change
-0.76%
Direct customers deposit
31.03.2023
113,481
31.12.2022
114,831
% Change
-1.18%
Indirect customer deposit
31.03.2023
143,701
31.12.2022
138,875
% Change
+3.47%
of which managed
31.03.2023
62,110
31.12.2022
60,597
% Change
+2.50%
of which administered
31.03.2023
81,590
31.12.2022
78,278
% Change
+4.23%
Bancassurance Life sector
31.03.2023
23,777
31.12.2022
24,279
% Change
-2.07%
Total shareholders' equity
31.03.2023
8,447
31.12.2022
8,121
% Change
+4.02%
value expressed in €/milions
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