Financial statements and reports
Financial statements and reports
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bilanci e relazioni bper - tabella conto economico
Consolidated results as at 30 June 2022
Reclassified consolidated income statement
30.06.2022
30.06.2021
% Change
Reclassified consolidated income statement
Net interest income
30.06.2022
785,449
30.06.2021
728,322
% Change
+7.84%
Net commission income
30.06.2022
913,969
30.06.2021
733,958
% Change
+24.53%
Operating income
30.06.2022
1,786,951
30.06.2021
1,598,427
% Change
+11.79%
Operating costs
30.06.2022
1,148,279
30.06.2021
1,111,450
% Change
+3.31%
Net operating income
30.06.2022
638,672
30.06.2021
486,977
% Change
+31.15%
Net impairement losses for credit risk
30.06.2022
215,617
30.06.2021
576,295
% Change
-62.59%
Profit (Loss) for the period pertaining to the Parent Company
30.06.2022
1,384,808
30.06.2021
501,808
% Change
+175.96%
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios
30.06.2022
2021 (*)
Profitability ratios
ROE
30.06.2022
10.10%
2021 (*)
8.66%
ROTE
30.06.2022
10.29%
2021 (*)
9.57%
Cost to income ratio (**)
30.06.2022
64.26%
2021 (*)
69.53%
(*)ROE and ROTE, have been calculated on figures at 31 December 2021 as per the Consolidated financial statements as at 31 December 2021, while Cost to income ratio has been calculated on figures at 30 June 2021 as per the Consolidated half-year report as at 30 June 2021.
(**) 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
30.06.2022
31.12.2021
Structural ratios
Number of employees
30.06.2022
21,539
31.12.2021
18,128
Number of national bank branches
30.06.2022
1,987
31.12.2021
1,742
bilanci - relazioni indici di rischiosità
Risk ratios
30.06.2022
31.12.2021
Risk ratios
Non - performing exposures / net loans to customers
30.06.2022
1.78%
31.12.2021
2.02%
Net bad loans / net loans to customers
30.06.2022
0.54%
31.12.2021
0.72%
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
30.06.2022
31.12.2021
Capital and liquidity ratios
CET 1 Ratio Phased in pro-forma (*)
30.06.2022
13.26%
31.12.2021
14.50%
Tier 1 Ratio - Phased in pro-forma (*)
30.06.2022
13.54%
31.12.2021
14.84%
Total Capital Ratio - Phased in pro-froma (*)
30.06.2022
15.70%
31.12.2021
17.16%
CET 1 Ratio Fully Phased pro-froma (*)
30.06.2022
12.83%
31.12.2021
13.50%
Leverage Ratio - Phased in
30.06.2022
n.a.
31.12.2021
4.8%
Leverage Ratio - Fully Phased
30.06.2022
n.a.
31.12.2021
4.5%
(*) The pro-forma capital ratios have been calculated including the result for the period, 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.
bilanci bper - dettagli Impieghi alla clientela
Description
30.06.2022
31.12.2021
% Change
Description
Loans to customers
30.06.2022
91,082
31.12.2021
79,113
% Change
+15.13%
Intangible assets
30.06.2022
477
31.12.2021
459
% Change
+3.87%
of which: goodwill
30.06.2022
204
31.12.2021
204
% Change
-
Total assets
30.06.2022
161,679
31.12.2021
136,348
% Change
+18.58%
Direct customers deposit
30.06.2022
114,489
31.12.2021
101,388
% Change
+12.92%
Indirect customer deposit
30.06.2022
139,672
31.12.2021
146,986
% Change
-4.98%
of which managed
30.06.2022
59,458
31.12.2021
64,823
% Change
-4.89%
of which administered
30.06.2022
80,215
31.12.2021
82,163
% Change
-2.37%
Bancassurance Life sector
30.06.2022
23,851
31.12.2021
19,291
% Change
+23.64%
Total shareholders' equity
30.06.2022
8,037
31.12.2021
6,859
% Change
+17.17%
value expressed in €/milions
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