bilanci e relazioni bper - tabella conto economico

Consolidated interim report as at 31 March 2023

Reclassified consolidated income statement

31.03.2023

31.03.2022

% Change

Reclassified consolidated income statement

Net interest income

31.03.2023

725,989

31.03.2022

376,429

% Change

+92.86%
Net commission income

31.03.2023

506,098

31.03.2022

450,599

% Change

+12.33%
Operating income

31.03.2023

1,318,412

31.03.2022

883,743

% Change

+49.19%
Operating costs

31.03.2023

675,790

31.03.2022

558,428

% Change

+21.02%
Net operating income

31.03.2023

642,622

31.03.2022

325,315

% Change

+97.54%
Net impairement losses for credit risk

31.03.2023

140,537

31.03.2022

113,166

% Change

+24.19%
Profit (Loss) for the period pertaining to the Parent Company

31.03.2023

290,675

31.03.2022

112,672

% Change

+157.98%
Value expressed in €/thousands

bilanci ber - tabella indice redittivita

Profitability ratios (*)

31.03.2023

2022(*)

Profitability ratios (*)

ROE

31.03.2023

16.31%

2022(*)

7.94%
ROTE

31.03.2023

16.53%

2022(*)

8.30%
Cost to income ratio (**)

31.03.2023

51.26%

2022(*)

69.53%
(*) ROE and ROTE have been calculated on figures at 31 December 2022 , while cost to income ratio has been calculated on figures at 31 March 2022
(**) 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

31.03.2023

31.12.2022

Structural ratios

Number of employees

31.03.2023

20,557

31.12.2022

21,059
Number of national bank branches

31.03.2023

1,759

31.12.2022

1,913

bilanci - relazioni indici di rischiosità

Risk ratios

31.03.2023

31.12.2022

Risk ratios

Non - performing exposures / net loans to customers

31.03.2023

1.32%

31.12.2022

1.41%
Net bad loans / net loans to customers

31.03.2023

0.22%

31.12.2022

0.24%

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

31.03.2023

31.12.2022

Capital and liquidity ratios

CET 1 Ratio pro-forma

31.03.2023

13.34%

31.12.2022

12.04%
Tier 1 Ratio pro-forma

31.03.2023

13.62%

31.12.2022

12.32%
Total Capital Ratio pro-forma

31.03.2023

16.95%

31.12.2022

15.65%
Leverage Ratio

31.03.2023

n.a

31.12.2022

4.3%

bilanci bper - dettagli Impieghi alla clientela

Description

31.03.2023

31.12.2022

% Change

Description

Loans to customers

31.03.2023

89,401

31.12.2022

91,175

% Change

-1.95%
Intangible assets

31.03.2023

560

31.12.2022

564

% Change

-0.70%
of which: goodwill

31.03.2023

204

31.12.2022

204

% Change

-
Total assets

31.03.2023

151,139

31.12.2022

152,303

% Change

-0.76%
Direct customers deposit

31.03.2023

113,481

31.12.2022

114,831

% Change

-1.18%
Indirect customer deposit

31.03.2023

143,701

31.12.2022

138,875

% Change

+3.47%
of which managed

31.03.2023

62,110

31.12.2022

60,597

% Change

+2.50%
of which administered

31.03.2023

81,590

31.12.2022

78,278

% Change

+4.23%
Bancassurance Life sector

31.03.2023

23,777

31.12.2022

24,279

% Change

-2.07%
Total shareholders' equity

31.03.2023

8,447

31.12.2022

8,121

% Change

+4.02%
value expressed in €/milions

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