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bilanci e relazioni bper - tabella conto economico
Consolidated half-year report as at 30 June 2021
Reclassified consolidated income statement
30.06.2021
30.06.2020
% Change
Reclassified consolidated income statement
Net interest income
30.06.2021
728,322
30.06.2020
618,251
% Change
+17.80%
Net commission income
30.06.2021
733,958
30.06.2020
512,697
% Change
+43.16%
Operating income
30.06.2021
1,598,427
30.06.2020
1,220,596
% Change
+30.95%
Operating costs
30.06.2021
1,111,450
30.06.2020
817,480
% Change
+35.96%
Net operating income
30.06.2021
486,977
30.06.2020
403,116
% Change
+20.80%
Net impairement losses for credit risk
30.06.2021
576,295
30.06.2020
297,322
% Change
+93.83%
Profit (Loss) for the period pertaining to the Parent Company
30.06.2021
501,808
30.06.2020
102,496
% Change
+389.59%
Value expressed in €/thousands
Comparable figures at 30 June 2020 have been restated to show the effects of the retrospective application of change in accounting method used to measure property, plant and equipment held for investment.
bilanci ber - tabella indice redittivita
Profitability ratios
30.06.2021
2020 (*)
Profitability ratios
ROE
30.06.2021
11.11%
2020 (*)
4.41%
ROTE
30.06.2021
12.30%
2020 (*)
5.06%
Cost to income ratio (**)
30.06.2021
69.53%
2020 (*)
66.97%
(*)ROE, ROTE, and the cost income have been calculated respectively on figures at 31 December 2020 and 30 June 2020 which include the effects of the retrospective application of change in accounting method used to measure property, plant and equipment held for investment.
(**) 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
30.06.2021
31.12.2020
Structural ratios
Number of employees
30.06.2021
18,100
31.12.2020
13,177
Number of national bank branches
30.06.2021
1,852
31.12.2020
1,237
bilanci - relazioni indici di rischiosità
Risk ratios
30.06.2021
31.12.2020
Risk ratios
Non - performing exposures / net loans to customers
30.06.2021
2.82%
31.12.2020
4.02%
Net bad loans / net loans to customers
30.06.2021
1.20%
31.12.2020
1.37%
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
30.06.2021
31.12.2020
Capital and liquidity ratios
CET 1 Ratio Phased in pro-forma
30.06.2021
14.52%
31.12.2020
17.71%
Tier 1 Ratio - Phased in
30.06.2021
14.85%
31.12.2020
18.16%
Total Capital Ratio - Phased in
30.06.2021
17.18%
31.12.2020
21.19%
CET 1 Ratio Fully Phased
30.06.2021
13.52%
31.12.2020
15.81%
Leverage Ratio - Phased in
30.06.2021
n.a.
31.12.2020
6.9%
Leverage Ratio - Fully Phased
30.06.2021
n.a.
31.12.2020
6.1%
(*) The pro-forma capital ratios have been calculated including the result for the period, net of the pro-quota dividends, thus simulating, in advance, the effects of the authorisation issued by the ECB for the inclusion of these profits in Own Funds pursuant to art. 26, para. 2 of the CRR.
bilanci bper - dettagli Impieghi alla clientela
Description
30.06.2021
31.12.2020
% Change
Description
Loans to customers
30.06.2021
76,290
31.12.2020
53,006
% Change
+43.93
Intangible assets
30.06.2021
473
31.12.2020
703
% Change
-32.68
of which: goodwill
30.06.2021
204
31.12.2020
435
% Change
-52.99
Total assets
30.06.2021
134,802
31.12.2020
93,062
% Change
+44.85
Direct customers deposit
30.06.2021
98,498
31.12.2020
63,141
% Change
+56.00
Indirect customer deposit
30.06.2021
146,186
31.12.2020
114,776
% Change
+27.37
of which managed
30.06.2021
63,191
31.12.2020
42,719
% Change
+47.92
of which administered
30.06.2021
82,995
31.12.2020
72,057
% Change
+15.18
Bancassurance Life sector
30.06.2021
18,893
31.12.2020
7,301
% Change
+158.76
Total shareholders' equity
30.06.2021
6,875
31.12.2020
6,334
% Change
+8.53
value expressed in €/milions
Comparable figures at 31 December 2020have been restated to show the effects of the retrospective application of change in accounting method used to measure property, plant and equipment held for investment.
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