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

bper-events-archive