bilanci e relazioni bper - tabella conto economico

Consolidated half-year report 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

30.06.2022

13.26%

31.12.2021

14.50%
Tier 1 Ratio - Phased in

30.06.2022

13.54%

31.12.2021

14.84%
Total Capital Ratio - Phased in

30.06.2022

15.70%

31.12.2021

17.16%
CET 1 Ratio Fully Phased

30.06.2022

12.83%

31.12.2021

13.50%
Leverage Ratio - Phased in

30.06.2022

4.4%

31.12.2021

4.8%
Leverage Ratio - Fully Phased

30.06.2022

4.2%

31.12.2021

4.5%

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

bper-events-archive