bilanci e relazioni bper - tabella conto economico

Consolidated interim report as at 30 September 2020

Reclassified consolidated income statement

30.09.2020

30.09.2019

% Change

Reclassified consolidated income statement

Net interest income

30.09.2020

943,743

30.09.2019

862,093

% Change

+9.47
Net commission income

30.09.2020

774,824

30.09.2019

656,070

% Change

18.10
Operating income

30.09.2020

1,863,518

30.09.2019

1,643,770

% Change

+13.37
Operating costs

30.09.2020

1,200,905

30.09.2019

1,071,774

% Change

+12.05
Net operating income

30.09.2020

662,613

30.09.2019

571,996

% Change

+15.84
Net impairement losses for credit risk

30.09.2020

405,192

30.09.2019

308,021

% Change

+31.55
Profit (Loss) for the period pertaining to the Parent Company

30.09.2020

200,619

30.09.2019

522,925

% Change

-61.64
Value expressed in €/thousands

bilanci ber - tabella indice redittivita

Profitability ratios

30.09.2020

30.09.2019(*)

Profitability ratios

ROE

30.09.2020

5.42%

30.09.2019(*)

8.66%
ROTE

30.09.2020

6.26%

30.09.2019(*)

9.92%
Cost to income ratio (**)

30.09.2020

64.44%

30.09.2019(*)

65.20%
(*) ROE and ROTE, have been calculated on figures at 31 December 2019 as per the Consolidated financial statements as at 31 December 2019.
(**) 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

30.09.2020

31.12.2019

Structural ratios

Number of employees

30.09.2020

13,405

31.12.2019

13,805
Number of national bank branches

30.09.2020

1,310

31.12.2019

1,349

bilanci - relazioni indici di rischiosità

Risk ratios

30.09.2020

31.12.2019

Risk ratios

Non - performing exposures / net loans to customers

30.09.2020

4.70%

31.12.2019

5.77%
Net bad loans / net loans to customers

30.09.2020

1.61%

31.12.2019

2.25%

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

30.09.2020

31.12.2019

Capital and liquidity ratios

CET 1 Ratio Phased in

30.09.2020

14.29%

31.12.2019

13.91%
Tier 1 Ratio - Phased in

30.09.2020

14.74%

31.12.2019

14.35%
Total Capital Ratio - Phased in

30.09.2020

17.21%

31.12.2019

16.82%
CET 1 Ratio Fully Loaded pro-forma(*)

30.09.2020

13.03%

31.12.2019

12.01%
Leverage Ratio - Phased in

30.09.2020

n.a.

31.12.2019

6.1%
Leverage Ratio - Fully Phased

30.09.2020

n.a.

31.12.2019

5.3%
The Fully Loaded Common Equity Tier 1 ratio pro-forma has been estimated excluding the effects of the transitional provisions in force and taking into account the result for the period, net of the expected pro-quota dividends, and the expected absorption of deferred tax assets relating to first-time adoption of IFRS9. The inclusion of the result for the period in CET1 is subject to the approval of the European Central Bank. The authorization process for the request for recognition of the result for the period and will be finalized with reference to the reporting date for regulatory purposes of December 2020.

bilanci bper - dettagli Impieghi alla clientela

Description

30.09.2020

31.12.2019

% Change

Description

Loans to customers

30.09.2020

52,889

31.12.2019

52,006

% Change

+1.70
Intangible assets

30.09.2020

661

31.12.2019

670

% Change

-1.77
of which: goodwill

30.09.2020

435

31.12.2019

435

% Change

-
Total assets

30.09.2020

88,618

31.12.2019

79,033

% Change

+12.13
Direct customers deposit

30.09.2020

59,780

31.12.2019

58,055

% Change

+2.97
Indirect customer deposit

30.09.2020

110,229

31.12.2019

110,623

% Change

-0.36
of which managed

30.09.2020

41,081

31.12.2019

41,714

% Change

-1.52
of which administered

30.09.2020

69,148

31.12.2019

68,909

% Change

+0.35
Bancassurance Life sector

30.09.2020

7,243

31.12.2019

6,821

% Change

+6.18
Total shareholders' equity

30.09.2020

5,453

31.12.2019

5,292

% Change

+3.06
value expressed in €/milions

bper-events-archive