bilanci e relazioni bper - tabella conto economico

Consolidated half-year report as at 30 June 2019

Reclassified consolidated income statement

30.06.2019

30.06.2018

% Change

Reclassified consolidated income statement

Net interest income

30.06.2019

546,184

30.06.2018

573,502

% Change

-4.76
Net commission income

30.06.2019

387,754

30.06.2018

389,056

% Change

-0.33
Operating income

30.06.2019

986,889

30.06.2018

1,165,743

% Change

-15.34
Operating costs

30.06.2019

682,426

30.06.2018

689,025

% Change

-0.96
Net operating income

30.06.2019

304,463

30.06.2018

476,718

% Change

-36.13
Net impairement adjustment to loans

30.06.2019

147,036

30.06.2018

84,934

% Change

+73.12
Profit (Loss) for the period pertaining to the Parent Company

30.06.2019

100,492

30.06.2018

307,885

% Change

-67.36
Value expressed in €/thousands

bilanci ber - tabella indice redittivita

Profitability ratios

30.06.2019

30.06.2018 (*)

Profitability ratios

ROE

30.06.2019

4.87%

30.06.2018 (*)

9.06%
ROTE

30.06.2019

5.44%

30.06.2018 (*)

10.15%
Cost to income ratio (**)

30.06.2019

69.15%

30.06.2018 (*)

59.11%
(*) ROE and ROTE have been calculated on an annual basis replicating the profit (loss) for the period for the rest of the year.
(**) 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

30.06.2019

31.12.2018

Structural ratios

Number of employees

30.06.2019

11,595

31.12.2018

11,615
Number of national bank branches

30.06.2019

1,170

31.12.2018

1,218

bilanci - relazioni indici di rischiosità

Risk ratios

30.06.2019

31.12.2018

Risk ratios

Non - performing exposures / net loans to customers

30.06.2019

6.74%

31.12.2018

6.81%
Net bad loans / net loans to customers

30.06.2019

3.06%

31.12.2018

3.08%

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

30.06.2019

31.12.2018

Capital and liquidity ratios

CET 1 Ratio Phased in

30.06.2019

14.33%

31.12.2018

14.27%
Tier 1 Ratio - Phased in

30.06.2019

14.42%

31.12.2018

14.37%
Total Capital Ratio - Phased in

30.06.2019

17.32%

31.12.2018

17.25%
CET 1 Ratio Fully Phased

30.06.2019

12.33%

31.12.2018

11.95%
Leverage Ratio - Phased in

30.06.2019

6.1%

31.12.2018

6.0%
Leverage Ratio - Fully Phased

30.06.2019

5.3%

31.12.2018

5.0%

bilanci bper - dettagli Impieghi alla clientela

Description

30.06.2019

31.12.2018

% Change

Description

Loans to customers

30.06.2019

46,542

31.12.2018

47,051

% Change

-1.08
Intangible assets

30.06.2019

432

31.12.2018

446

% Change

-3.09
of which: goodwill

30.06.2019

265

31.12.2018

265

% Change

-
Total assets

30.06.2019

71,583

31.12.2018

70,635

% Change

+1.34
Direct customers deposit

30.06.2019

51,029

31.12.2018

49,996

% Change

+2.07
Indirect customer deposit

30.06.2019

38,197

31.12.2018

36,257

% Change

+5.35
of which managed

30.06.2019

20,148

31.12.2018

19,331

% Change

+2.37
of which administered

30.06.2019

18,049

31.12.2018

16,926

% Change

+6.63
Bancassurance

30.06.2019

5,643

31.12.2018

5,097

% Change

+8.74
Total shareholders' equity

30.06.2019

4,950

31.12.2018

4,897

% Change

+1.09
value expressed in €/milions

bper-events-archive