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bilanci e relazioni bper - tabella conto economico
Consolidated interim report as at 30 September 2018
Summary data as at: 08/11/2018
Reclassified consolidated income statement
30.09.2018
30.09.2017
Var %
Reclassified consolidated income statement
Net interest income
30.09.2018
850,092
30.09.2017
850,337
Var %
-0.03
Net commission income
30.09.2018
577,081
30.09.2017
544,026
Var %
+6.08
Operating income
30.09.2018
1,662,560
30.09.2017
1,525,189
Var %
+9.01
Operating costs
30.09.2018
1,010,834
30.09.2017
947,639
Var %
+6.67
Net operating income
30.09.2018
651,726
30.09.2017
577,550
Var %
+12.84
Net impairement adjustment to loans
30.09.2018
155,206
30.09.2017
412,954
Var %
-62.42
Profit (Loss) for the period pertaining to the Parent Company
30.09.2018
358,126
30.09.2017
148,958
Var %
+140.42
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios
30.09.2018
30.09.2017 (*)
Profitability ratios
ROE (*)
30.09.2018
10.75%
30.09.2017 (*)
3.62%
ROTE (*)
30.09.2018
12.11%
30.09.2017 (*)
4.04%
Cost to income ratio (**)
30.09.2018
60.80%
30.09.2017 (*)
62.13%
(*)ROE and ROTE are calculated on an annual basis, replicating the result for the period for the remaining periods 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
30.09.2018
31.12.2017
Structural ratios
Number of employees
30.09.2018
11,627
31.12.2017
11,653
Number of national bank branches
30.09.2018
1,219
31.12.2017
1,218
bilanci - relazioni indici di rischiosità
Risk ratios
30.09.2018
01.01.2018 (*)
Risk ratios
Non - performing exposures / net loans to customers
30.09.2018
8.34%
01.01.2018 (*)
9.21%
Net bad loans / net loans to customers
30.09.2018
4.54%
01.01.2018 (*)
4.99%
(*) The comparative figures have been appropriately recalculated at 1 January 2018 to take account of the impact of first-time application of IFRS 9
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
30.09.2018
01.01.2018 (*)
Capital and liquidity ratios
CET 1 Ratio Phased in
30.09.2018
14.74%
01.01.2018 (*)
13.62%
Tier 1 Ratio - Phased in
30.09.2018
14.84%
01.01.2018 (*)
13.63%
Total Capital Ratio - Phased in
30.09.2018
17.73%
01.01.2018 (*)
16.14%
CET 1 Ratio Fully Phased
30.09.2018
12.00%
01.01.2018 (*)
11.06%
Leverage Ratio - Phased in
30.09.2018
6.1%
01.01.2018 (*)
6.1%
Leverage Ratio - Fully Phased
30.09.2018
4.9%
01.01.2018 (*)
6.0%
(*)The comparison values were calculated at 1 January 2018 in order to take account of the impacts arising from the first application of accounting standard IFRS9.
bilanci bper - dettagli Impieghi alla clientela
Description
30.09.2018
31.12.2017
Var %
Description
Loans to customers
30.09.2018
50,342
31.12.2017
48,356
Var %
+4.11
Intangible assets
30.09.2018
495
31.12.2017
507
Var %
-2.28
of which: goodwill
30.09.2018
327
31.12.2017
327
Var %
-
Total assets
30.09.2018
71.222
31.12.2017
71,339
Var %
-0.16
Direct customers deposit
30.09.2018
51,184
31.12.2017
50,246
Var %
+1.87
Indirect customer deposit
30.09.2018
36,398
31.12.2017
35,864
Var %
+1.49
of which managed
30.09.2018
20,008
31.12.2017
19,754
Var %
+1.28
of which administered
30.09.2018
16,390
31.12.2017
16,110
Var %
+1.74
Bancassurance
30.09.2018
4,992
31.12.2017
4,788
Var %
+4.26
Total shareholders' equity
30.09.2018
4,856
31.12.2017
5,717
Var %
-15.05
value expressed in €/milions
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