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Financial statements and reports
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bilanci e relazioni bper - tabella conto economico
Consolidated interim report as at 30 September 2020
Reclassified consolidated income statement
30.09.2020
30.09.2019
% Change
Reclassified consolidated income statement
Net interest income
30.09.2020
943,743
30.09.2019
862,093
% Change
+9.47
Net commission income
30.09.2020
774,824
30.09.2019
656,070
% Change
18.10
Operating income
30.09.2020
1,863,518
30.09.2019
1,643,770
% Change
+13.37
Operating costs
30.09.2020
1,200,905
30.09.2019
1,071,774
% Change
+12.05
Net operating income
30.09.2020
662,613
30.09.2019
571,996
% Change
+15.84
Net impairement losses for credit risk
30.09.2020
405,192
30.09.2019
308,021
% Change
+31.55
Profit (Loss) for the period pertaining to the Parent Company
30.09.2020
200,619
30.09.2019
522,925
% Change
-61.64
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios
30.09.2020
30.09.2019(*)
Profitability ratios
ROE
30.09.2020
5.42%
30.09.2019(*)
8.66%
ROTE
30.09.2020
6.26%
30.09.2019(*)
9.92%
Cost to income ratio (**)
30.09.2020
64.44%
30.09.2019(*)
65.20%
(*) 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
30.09.2020
31.12.2019
Structural ratios
Number of employees
30.09.2020
13,405
31.12.2019
13,805
Number of national bank branches
30.09.2020
1,310
31.12.2019
1,349
bilanci - relazioni indici di rischiosità
Risk ratios
30.09.2020
31.12.2019
Risk ratios
Non - performing exposures / net loans to customers
30.09.2020
4.70%
31.12.2019
5.77%
Net bad loans / net loans to customers
30.09.2020
1.61%
31.12.2019
2.25%
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
30.09.2020
31.12.2019
Capital and liquidity ratios
CET 1 Ratio Phased in
30.09.2020
14.29%
31.12.2019
13.91%
Tier 1 Ratio - Phased in
30.09.2020
14.74%
31.12.2019
14.35%
Total Capital Ratio - Phased in
30.09.2020
17.21%
31.12.2019
16.82%
CET 1 Ratio Fully Loaded pro-forma(*)
30.09.2020
13.03%
31.12.2019
12.01%
Leverage Ratio - Phased in
30.09.2020
n.a.
31.12.2019
6.1%
Leverage Ratio - Fully Phased
30.09.2020
n.a.
31.12.2019
5.3%
The Fully Loaded Common Equity Tier 1 ratio pro-forma has been estimated excluding the effects of the transitional provisions in force and taking into account the result for the period, net of the expected pro-quota dividends, and the expected absorption of deferred tax assets relating to first-time adoption of IFRS9. The inclusion of the result for the period in CET1 is subject to the approval of the European Central Bank. The authorization process for the request for recognition of the result for the period and will be finalized with reference to the reporting date for regulatory purposes of December 2020.
bilanci bper - dettagli Impieghi alla clientela
Description
30.09.2020
31.12.2019
% Change
Description
Loans to customers
30.09.2020
52,889
31.12.2019
52,006
% Change
+1.70
Intangible assets
30.09.2020
661
31.12.2019
670
% Change
-1.77
of which: goodwill
30.09.2020
435
31.12.2019
435
% Change
-
Total assets
30.09.2020
88,618
31.12.2019
79,033
% Change
+12.13
Direct customers deposit
30.09.2020
59,780
31.12.2019
58,055
% Change
+2.97
Indirect customer deposit
30.09.2020
110,229
31.12.2019
110,623
% Change
-0.36
of which managed
30.09.2020
41,081
31.12.2019
41,714
% Change
-1.52
of which administered
30.09.2020
69,148
31.12.2019
68,909
% Change
+0.35
Bancassurance Life sector
30.09.2020
7,243
31.12.2019
6,821
% Change
+6.18
Total shareholders' equity
30.09.2020
5,453
31.12.2019
5,292
% Change
+3.06
value expressed in €/milions
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