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Financial statements and reports
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bilanci e relazioni bper - tabella conto economico
Consolidated interim report as at 30 September 2023
Reclassified consolidated income statement
30.09.2023
30.09.2022
% Change
Reclassified consolidated income statement
Net interest income
30.09.2023
2,381,517
30.09.2022
1,260,430
% Change
+88.94%
Net commission income
30.09.2023
1,481,386
30.09.2022
1,418,014
% Change
+4.47%
Operating income
30.09.2023
4,026,046
30.09.2022
2,814,054
% Change
+43.07%
Operating costs
30.09.2023
1,995,534
30.09.2022
1,802,527
% Change
+10.71%
Net operating income
30.09.2023
2,030,512
30.09.2022
1,011,527
% Change
+100.74%
Net impairement losses for credit risk
30.09.2023
364,681
30.09.2022
334,599
% Change
+8.99%
Profit (Loss) for the period pertaining to the Parent Company
30.09.2023
1,087,070
30.09.2022
1,466,376
% Change
-25.87%
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios (*)
30.09.2023
2022(*)
Profitability ratios (*)
ROE
30.09.2023
20.37%
2022(*)
7.94%
ROTE
30.09.2023
20.55%
2022(*)
8.30%
Cost to income ratio (**)
30.09.2023
49.57%
2022(*)
64.05%
(*) ROE and ROTE have been calculated on figures at 31 December 2022 , while cost to income ratio has been calculated on figures at 30 September 2022
(**) 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
30.09.2023
31.12.2022
Structural ratios
Number of employees
30.09.2023
20,318
31.12.2022
21,059
Number of national bank branches
30.09.2023
1,759
31.12.2022
1,913
bilanci - relazioni indici di rischiosità
Risk ratios
30.09.2023
31.12.2022
Risk ratios
Non - performing exposures / net loans to customers
30.09.2023
1.25%
31.12.2022
1.41%
Net bad loans / net loans to customers
30.09.2023
0.23%
31.12.2022
0.24%
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
30.09.2023
31.12.2022
Capital and liquidity ratios
CET 1 Ratio
30.09.2023
14.92%
31.12.2022
12.04%
Tier 1 Ratio
30.09.2023
15.21%
31.12.2022
12.32%
Total Capital Ratio
30.09.2023
18.64%
31.12.2022
15.65%
Leverage Ratio
30.09.2023
5.4%
31.12.2022
4.3%
bilanci bper - dettagli Impieghi alla clientela
Description
30.09.2023
31.12.2022
% Change
Description
Loans to customers
30.09.2023
86,672
31.12.2022
91,175
% Change
-4.94%
Intangible assets
30.09.2023
572
31.12.2022
564
% Change
+1.54%
of which: goodwill
30.09.2023
198
31.12.2022
204
% Change
-3,31%
Total assets
30.09.2023
143,457
31.12.2022
152,303
% Change
-5.81%
Direct customers deposit
30.09.2023
120,127
31.12.2022
114,831
% Change
+4.61%
Indirect customer deposit
30.09.2023
140,201
31.12.2022
138,875
% Change
+0.95%
of which managed
30.09.2023
61,581
31.12.2022
60,597
% Change
+1.62%
of which administered
30.09.2023
78,621
31.12.2022
78,278
% Change
+0.44%
Bancassurance Life sector
30.09.2023
22,483
31.12.2022
24,279
% Change
-7.40%
Total shareholders' equity
30.09.2023
9,054
31.12.2022
8,121
% Change
+11.49%
value expressed in €/milions
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