bilanci e relazioni bper - tabella conto economico

Preliminary consolidated results of the Group at 31 December 2018

Summary data as at: 08/02/2019

Reclassified consolidated income statement

31.12.2018

31.12.2017

Var %

Reclassified consolidated income statement

Net interest income

31.12.2018

1,122,437

31.12.2017

1,124,479

Var %

-0.18
Net commission income

31.12.2018

776,265

31.12.2017

740,628

Var %

+4.81
Operating income

31.12.2018

2,081,272

31.12.2017

2,038,847

Var %

+2.08
Operating costs

31.12.2018

1,382,864

31.12.2017

1,296,518

Var %

+6.66
Net operating income

31.12.2018

698,408

31.12.2017

742,329

Var %

-5.92
Net impairement adjustment to loans

31.12.2018

225,772

31.12.2017

535,975

Var %

-57.88
Profit (Loss) for the period pertaining to the Parent Company

31.12.2018

401,953

31.12.2017

176,438

Var %

+127.82
Value expressed in €/thousands

bilanci ber - tabella indice redittivita

Profitability ratios

31.12.2018

31.12.2017

Profitability ratios

ROE

31.12.2018

9.06%

31.12.2017

3.62%
ROTE

31.12.2018

10.15%

31.12.2017

4.04%
Cost to income ratio (*)

31.12.2018

66.44%

31.12.2017

63.59%
(*) 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

31.12.2018

31.12.2017

Structural ratios

Number of employees

31.12.2018

11,615

31.12.2017

11,653
Number of national bank branches

31.12.2018

1,218

31.12.2017

1,218

bilanci - relazioni indici di rischiosità

Risk ratios

31.12.2018

01.01.2018 (*)

Risk ratios

Non - performing exposures / net loans to customers

31.12.2018

6.81%

01.01.2018 (*)

9.21%
Net bad loans / net loans to customers

31.12.2018

3.08%

01.01.2018 (*)

4.99%
(*) The comparative figures have been appropriately recalculated at 1 January 2018 to take account of the impact of first-time application of IFRS 9

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

31.12.2018

01.01.2018 (*)

Capital and liquidity ratios

CET 1 Ratio Phased in

31.12.2018

14.27%

01.01.2018 (*)

13.62%
Tier 1 Ratio - Phased in

31.12.2018

14.37%

01.01.2018 (*)

13.63%
Total Capital Ratio - Phased in

31.12.2018

17.25%

01.01.2018 (*)

16.14%
CET 1 Ratio Fully Phased

31.12.2018

11.95%

01.01.2018 (*)

11.06%
Leverage Ratio - Phased in

31.12.2018

6.0%

01.01.2018 (*)

6.1%
Leverage Ratio - Fully Phased

31.12.2018

5.0%

01.01.2018 (*)

6.0%
(*)The comparison values were calculated at 1 January 2018 in order to take account of the impacts arising from the first application of accounting standard IFRS9.

bilanci bper - dettagli Impieghi alla clientela

Description

31.12.2018

31.12.2017

Var %

Description

Loans to customers

31.12.2018

52,748

31.12.2017

48,356

Var %

+9.08
Intangible assets

31.12.2018

446

31.12.2017

507

Var %

-12.03
of which: goodwill

31.12.2018

265

31.12.2017

327

Var %

-19.06
Total assets

31.12.2018

70,635

31.12.2017

71,339

Var %

-0.99
Direct customers deposit

31.12.2018

49,996

31.12.2017

50,246

Var %

-0.50
Indirect customer deposit

31.12.2018

36,257

31.12.2017

35,864

Var %

+1.10
of which managed

31.12.2018

19,330

31.12.2017

19,754

Var %

-2.14
of which administered

31.12.2018

16,926

31.12.2017

16,110

Var %

+5.07
Bancassurance

31.12.2018

5,097

31.12.2017

4,788

Var %

+6.46
Total shareholders' equity

31.12.2018

4,897

31.12.2017

5,717

Var %

-14.35
value expressed in €/milions

bper-events-archive