bilanci e relazioni bper - tabella conto economico

Consolidated half-year report as at 30 June 2021

Reclassified consolidated income statement

30.06.2021

30.06.2020

% Change

Reclassified consolidated income statement

Net interest income

30.06.2021

728,322

30.06.2020

618,251

% Change

+17.80%
Net commission income

30.06.2021

733,958

30.06.2020

512,697

% Change

+43.16%
Operating income

30.06.2021

1,598,427

30.06.2020

1,220,596

% Change

+30.95%
Operating costs

30.06.2021

1,111,450

30.06.2020

817,480

% Change

+35.96%
Net operating income

30.06.2021

486,977

30.06.2020

403,116

% Change

+20.80%
Net impairement losses for credit risk

30.06.2021

576,295

30.06.2020

297,322

% Change

+93.83%
Profit (Loss) for the period pertaining to the Parent Company

30.06.2021

501,808

30.06.2020

102,496

% Change

+389.59%
Value expressed in €/thousands
Comparable figures at 30 June 2020 have been restated to show the effects of the retrospective application of change in accounting method used to measure property, plant and equipment held for investment.

bilanci ber - tabella indice redittivita

Profitability ratios

30.06.2021

2020 (*)

Profitability ratios

ROE

30.06.2021

11.11%

2020 (*)

4.41%
ROTE

30.06.2021

12.30%

2020 (*)

5.06%
Cost to income ratio (**)

30.06.2021

69.53%

2020 (*)

66.97%
(*)ROE, ROTE, and the cost income have been calculated respectively on figures at 31 December 2020 and 30 June 2020 which include the effects of the retrospective application of change in accounting method used to measure property, plant and equipment held for investment.
(**) 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

30.06.2021

31.12.2020

Structural ratios

Number of employees

30.06.2021

18,100

31.12.2020

13,177
Number of national bank branches

30.06.2021

1,852

31.12.2020

1,237

bilanci - relazioni indici di rischiosità

Risk ratios

30.06.2021

31.12.2020

Risk ratios

Non - performing exposures / net loans to customers

30.06.2021

2.82%

31.12.2020

4.02%
Net bad loans / net loans to customers

30.06.2021

1.20%

31.12.2020

1.37%

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

30.06.2021

31.12.2020

Capital and liquidity ratios

CET 1 Ratio Phased in pro-forma

30.06.2021

14.52%

31.12.2020

17.71%
Tier 1 Ratio - Phased in

30.06.2021

14.85%

31.12.2020

18.16%
Total Capital Ratio - Phased in

30.06.2021

17.18%

31.12.2020

21.19%
CET 1 Ratio Fully Phased

30.06.2021

13.52%

31.12.2020

15.81%
Leverage Ratio - Phased in

30.06.2021

n.a.

31.12.2020

6.9%
Leverage Ratio - Fully Phased

30.06.2021

n.a.

31.12.2020

6.1%
(*) 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

30.06.2021

31.12.2020

% Change

Description

Loans to customers

30.06.2021

76,290

31.12.2020

53,006

% Change

+43.93
Intangible assets

30.06.2021

473

31.12.2020

703

% Change

-32.68
of which: goodwill

30.06.2021

204

31.12.2020

435

% Change

-52.99
Total assets

30.06.2021

134,802

31.12.2020

93,062

% Change

+44.85
Direct customers deposit

30.06.2021

98,498

31.12.2020

63,141

% Change

+56.00
Indirect customer deposit

30.06.2021

146,186

31.12.2020

114,776

% Change

+27.37
of which managed

30.06.2021

63,191

31.12.2020

42,719

% Change

+47.92
of which administered

30.06.2021

82,995

31.12.2020

72,057

% Change

+15.18
Bancassurance Life sector

30.06.2021

18,893

31.12.2020

7,301

% Change

+158.76
Total shareholders' equity

30.06.2021

6,875

31.12.2020

6,334

% Change

+8.53
value expressed in €/milions
Comparable figures at 31 December 2020have been restated to show the effects of the retrospective application of change in accounting method used to measure property, plant and equipment held for investment.

bper-events-archive