bilanci e relazioni bper - tabella conto economico

Consolidated interim report on operations as at 31 March 2020

Reclassified consolidated income statement

31.03.2020

31.03.2019

% Change

Reclassified consolidated income statement

Net interest income

31.03.2020

307,971

31.03.2019

273,896

% Change

+12.44
Net commission income

31.03.2020

267,595

31.03.2019

192,544

% Change

+38.98
Operating income

31.03.2020

596,624

31.03.2019

495,378

% Change

+20.44
Operating costs

31.03.2020

411,079

31.03.2019

337,733

% Change

+21.72
Net operating income

31.03.2020

185,545

31.03.2019

157,645

% Change

+17.70
Net impairement losses for credit risk

31.03.2020

139,553

31.03.2019

72,485

% Change

+92.53
Profit (Loss) for the period pertaining to the Parent Company

31.03.2020

6,082

31.03.2019

47,971

% Change

-87.32
Value expressed in €/thousands

bilanci ber - tabella indice redittivita

Profitability ratios

31.03.2020

31.03.2019(*)

Profitability ratios

ROE

31.03.2020

0.50%

31.03.2019(*)

8.66%
ROTE

31.03.2020

0.58%

31.03.2019(*)

9.92%
Cost to income ratio (**)

31.03.2020

68.90%

31.03.2019(*)

68.18%
(*) 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

31.03.2020

31.12.2019

Structural ratios

Number of employees

31.03.2020

13,780

31.12.2019

13,805
Number of national bank branches

31.03.2020

1,349

31.12.2019

1,349

bilanci - relazioni indici di rischiosità

Risk ratios

31.03.2020

31.12.2019

Risk ratios

Non - performing exposures / net loans to customers

31.03.2020

5.71%

31.12.2019

5.77%
Net bad loans / net loans to customers

31.03.2020

2.27%

31.12.2019

2.25%

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

31.03.2020

31.12.2019

Capital and liquidity ratios

CET 1 Ratio Phased in

31.03.2020

13.60%

31.12.2019

13.91%
Tier 1 Ratio - Phased in

31.03.2020

14.05%

31.12.2019

14.35%
Total Capital Ratio - Phased in

31.03.2020

16.59%

31.12.2019

16.82%
CET 1 Ratio Fully Loaded

31.03.2020

12.07%

31.12.2019

12.01%
Leverage Ratio - Phased in

31.03.2020

5.7%

31.12.2019

6.1%
Leverage Ratio - Fully Phased

31.03.2020

5.1%

31.12.2019

5.3%

bilanci bper - dettagli Impieghi alla clientela

Description

31.03.2020

31.12.2019

% Change

Description

Loans to customers

31.03.2020

51,034

31.12.2019

52,006

% Change

-1.87
Intangible assets

31.03.2020

661

31.12.2019

670

% Change

-1.35
of which: goodwill

31.03.2020

435

31.12.2019

435

% Change

-
Total assets

31.03.2020

80,099

31.12.2019

79,033

% Change

+1.35
Direct customers deposit

31.03.2020

57,136

31.12.2019

58,055

% Change

-1.58
Indirect customer deposit

31.03.2020

101,621

31.12.2019

110,623

% Change

-8.14
of which managed

31.03.2020

37,423

31.12.2019

41,714

% Change

-10.26
of which administered

31.03.2020

64,189

31.12.2019

68,909

% Change

-6,85
Bancassurance

31.03.2020

7,006

31.12.2019

6,937

% Change

+0,99
Total shareholders' equity

31.03.2020

5,184

31.12.2019

5,292

% Change

-2.04
value expressed in €/milions

bper-events-archive

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