bilanci e relazioni bper - tabella conto economico

Consolidated Financial Statements as at 31 December 2020

Reclassified consolidated income statement

31.12.2020

31.12.2019

% Change

Reclassified consolidated income statement

Net interest income

31.12.2020

1,238,876

31.12.2019

1,164,539

% Change

+6.38
Net commission income

31.12.2020

1,072, 514

31.12.2019

931,950

% Change

+15.08
Operating income

31.12.2020

2,509,021

31.12.2019

2,275,662

% Change

+10.25
Operating costs

31.12.2020

1,638,277

31.12.2019

1,686,592

% Change

-2.86
Net operating income

31.12.2020

870,744

31.12.2019

589,070

% Change

+47.82
Net impairement losses for credit risk

31.12.2020

541,877

31.12.2019

447,547

% Change

+21.08
Profit (Loss) for the period pertaining to the Parent Company

31.12.2020

245,650

31.12.2019

379,583

% Change

-35.28
Value expressed in €/thousands

bilanci ber - tabella indice redittivita

Profitability ratios

31.12.2020

31.12.2019

Profitability ratios

ROE

31.12.2020

4.58%

31.12.2019

8.66%
ROTE

31.12.2020

5.25%

31.12.2019

9.92%
Cost to income ratio (*)

31.12.2020

65.30%

31.12.2019

74.11%
(*) 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

31.12.2020

31.12.2019

Structural ratios

Number of employees

31.12.2020

13,177

31.12.2019

13,805
Number of national bank branches

31.12.2020

1,237

31.12.2019

1,349

bilanci - relazioni indici di rischiosità

Risk ratios

31.12.2020

31.12.2019

Risk ratios

Non - performing exposures / net loans to customers

31.12.2020

4.02%

31.12.2019

5.77%
Net bad loans / net loans to customers

31.12.2020

1.37%

31.12.2019

2.25%

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

31.12.2020

31.12.2019

Capital and liquidity ratios

CET 1 Ratio Phased in

31.12.2020

17.70%

31.12.2019

13.91%
Tier 1 Ratio - Phased in

31.12.2020

18.15%

31.12.2019

14.35%
Total Capital Ratio - Phased in

31.12.2020

21.18%

31.12.2019

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

31.12.2020

15.90%

31.12.2019

12.01%
Leverage Ratio - Phased in

31.12.2020

6.9%

31.12.2019

6.1%
Leverage Ratio - Fully Phased

31.12.2020

6.1%

31.12.2019

5.3%
(*) The CET1 ratio Fully Loaded has been estimated excluding the effects of the transitional provisions in force and taking into account the result for the year, net of the pro-quota dividends, and the expected absorption of deferred tax assets relating to first-time adoption of IFRS9. It should also be noted that such ratio is equal to 13.52% if we separate the impact of the increase in capital for the acquisition of going concern from the Intesa Sanpaolo Group.

bilanci bper - dettagli Impieghi alla clientela

Description

31.12.2020

31.12.2019

% Change

Description

Loans to customers

31.12.2020

53,006

31.12.2019

52,006

% Change

+1.92
Intangible assets

31.12.2020

703

31.12.2019

670

% Change

+4.91
of which: goodwill

31.12.2020

435

31.12.2019

435

% Change

-
Total assets

31.12.2020

93,050

31.12.2019

79,033

% Change

+17.74
Direct customers deposit

31.12.2020

63,141

31.12.2019

58,056

% Change

+8.76
Indirect customer deposit

31.12.2020

114,776

31.12.2019

110,623

% Change

+3.75
of which managed

31.12.2020

42,719

31.12.2019

41,714

% Change

+2.41
of which administered

31.12.2020

72,057

31.12.2019

68,909

% Change

+4.57
Bancassurance Life sector

31.12.2020

7,301

31.12.2019

6,821

% Change

+7.04
Total shareholders' equity

31.12.2020

6,331

31.12.2019

5,292

% Change

+19.64
value expressed in €/milions

bper-events-archive