bilanci e relazioni bper - tabella conto economico

Consolidated financial statements as at 31 December 2019

Reclassified consolidated income statement

31.12.2019

31.12.2018

% Change

Reclassified consolidated income statement

Net interest income

31.12.2019

1,164,539

31.12.2018

1,122,437

% Change

+3.75
Net commission income

31.12.2019

931,950

31.12.2018

776,265

% Change

+20.06
Operating income

31.12.2019

2,275,662

31.12.2018

2,081,272

% Change

+9.34
Operating costs

31.12.2019

1,686,592

31.12.2018

1,382,864

% Change

+21.96
Net operating income

31.12.2019

589,070

31.12.2018

698,408

% Change

-15.66
Net impairement losses for credit risk

31.12.2019

447,547

31.12.2018

225,775

% Change

+98.23
Profit (Loss) for the period pertaining to the Parent Company

31.12.2019

379,583

31.12.2018

401,953

% Change

-5.57
Value expressed in €/thousands

bilanci ber - tabella indice redittivita

Profitability ratios

31.12.2019

31.12.2018

Profitability ratios

ROE

31.12.2019

8.66%

31.12.2018

9.06%
ROTE

31.12.2019

9.92%

31.12.2018

10.15%
Cost to income ratio (*)

31.12.2019

74.11%

31.12.2018

66.44%
(*) 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

31.12.2019

31.12.2018

Structural ratios

Number of employees

31.12.2019

13,805

31.12.2018

11,615
Number of national bank branches

31.12.2019

1,349

31.12.2018

1,218

bilanci - relazioni indici di rischiosità

Risk ratios

31.12.2019

31.12.2018

Risk ratios

Non - performing exposures / net loans to customers

31.12.2019

5.77%

31.12.2018

6.81%
Net bad loans / net loans to customers

31.12.2019

2.25%

31.12.2018

3.08%

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

31.12.2019

31.12.2018

Capital and liquidity ratios

CET 1 Ratio Phased in

31.12.2019

13.91%

31.12.2018

14.27%
Tier 1 Ratio - Phased in

31.12.2019

14.35%

31.12.2018

14.37%
Total Capital Ratio - Phased in

31.12.2019

16.82%

31.12.2018

17.25%
CET 1 Ratio Fully Phased

31.12.2019

12.01%

31.12.2018

11.95%
Leverage Ratio - Phased in

31.12.2019

6.1%

31.12.2018

6.0%
Leverage Ratio - Fully Phased

31.12.2019

5.3%

31.12.2018

5.0%

bilanci bper - dettagli Impieghi alla clientela

Description

31.12.2019

31.12.2018

% Change

Description

Loans to customers

31.12.2019

52,006

31.12.2018

47,051

% Change

+10.53
Intangible assets

31.12.2019

670

31.12.2018

446

% Change

+50.29
of which: goodwill

31.12.2019

435

31.12.2018

265

% Change

+64.22
Total assets

31.12.2019

79,033

31.12.2018

70,635

% Change

+11.89
Direct customers deposit

31.12.2019

58,056

31.12.2018

49,996

% Change

+16.12
Indirect customer deposit

31.12.2019

110,623

31.12.2018

36,257

% Change

+205.11
of which managed

31.12.2019

41,714

31.12.2018

19,331

% Change

+115.79
of which administered

31.12.2019

68,909

31.12.2018

16,926

% Change

+307.11
Bancassurance

31.12.2019

6,937

31.12.2018

5,097

% Change

+36.10
Total shareholders' equity

31.12.2019

5,292

31.12.2018

4,897

% Change

+8.07
value expressed in €/milions

bper-events-archive