bilanci e relazioni bper - tabella conto economico

Consolidated half-year report as at 30 June 2020

Reclassified consolidated income statement

30.06.2020

30.06.2019

% Change

Reclassified consolidated income statement

Net interest income

30.06.2020

618,251

30.06.2019

546,184

% Change

+13.19
Net commission income

30.06.2020

512,697

30.06.2019

387,754

% Change

+32.
Operating income

30.06.2020

1,220,596

30.06.2019

986,889

% Change

+23.68
Operating costs

30.06.2020

821,135

30.06.2019

682,426

% Change

+20.33
Net operating income

30.06.2020

399,461

30.06.2019

304,463

% Change

+31.20
Net impairement losses for credit risk

30.06.2020

297,322

30.06.2019

147,036

% Change

+102.21
Profit (Loss) for the period pertaining to the Parent Company

30.06.2020

104,679

30.06.2019

100,492

% Change

+4.17
Value expressed in €/thousands

bilanci ber - tabella indice redittivita

Profitability ratios

30.06.2020

30.06.2019(*)

Profitability ratios

ROE

30.06.2020

4.26%

30.06.2019(*)

8.66%
ROTE

30.06.2020

4.92%

30.06.2019(*)

9.92%
Cost to income ratio (**)

30.06.2020

67.27%

30.06.2019(*)

69.15%
(*) 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

30.06.2020

31.12.2019

Structural ratios

Number of employees

30.06.2020

13,550

31.12.2019

13,805
Number of national bank branches

30.06.2020

1,313

31.12.2019

1,349

bilanci - relazioni indici di rischiosità

Risk ratios

30.06.2020(*)

31.12.2019

Risk ratios

Non - performing exposures / net loans to customers

30.06.2020(*)

5.01%

31.12.2019

5.77%
Net bad loans / net loans to customers

30.06.2020(*)

1,68%

31.12.2019

2.25%
(*) Pro-forma data including the effects of the "Spring" securitisation of bad loans

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

30.06.2020

31.12.2019

Capital and liquidity ratios

CET 1 Ratio Phased in

30.06.2020

14.11%

31.12.2019

13.91%
Tier 1 Ratio - Phased in

30.06.2020

14.56%

31.12.2019

14.35%
Total Capital Ratio - Phased in

30.06.2020

17.03%

31.12.2019

16.82%
CET 1 Ratio Fully Loaded

30.06.2020

12.57%

31.12.2019

12.01%
Leverage Ratio - Phased in

30.06.2020

n.a.

31.12.2019

6.1%
Leverage Ratio - Fully Phased

30.06.2020

n.a.

31.12.2019

5.3%

bilanci bper - dettagli Impieghi alla clientela

Description

30.06.2020

31.12.2019

% Change

Description

Loans to customers

30.06.2020

52,884

31.12.2019

52,006

% Change

+1.69
Intangible assets

30.06.2020

658

31.12.2019

670

% Change

-1.78
of which: goodwill

30.06.2020

435

31.12.2019

435

% Change

-
Total assets

30.06.2020

85,935

31.12.2019

79,033

% Change

+8.73
Direct customers deposit

30.06.2020

59,814

31.12.2019

58,055

% Change

+3.03
Indirect customer deposit

30.06.2020

106,525

31.12.2019

110,623

% Change

-3.71
of which managed

30.06.2020

40,201

31.12.2019

41,714

% Change

-3.63
of which administered

30.06.2020

66,324

31.12.2019

68,909

% Change

-3.75
Bancassurance

30.06.2020

7,160

31.12.2019

6,937

% Change

+3.22
Total shareholders' equity

30.06.2020

5,355

31.12.2019

5,292

% Change

+1.20
value expressed in €/milions

bper-events-archive