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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
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