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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
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