bilanci e relazioni bper - tabella conto economico

Consolidated interim report as at 31 March 2019

Reclassified consolidated income statement

31.03.2019

31.03.2018

% Change

Reclassified consolidated income statement

Net interest income

31.03.2019

273,896

31.03.2018

293,234

% Change

-6.59
Net commission income

31.03.2019

192,544

31.03.2018

198,120

% Change

-2.81
Operating income

31.03.2019

495,378

31.03.2018

657,057

% Change

-24.61
Operating costs

31.03.2019

337,733

31.03.2018

331,158

% Change

+1.99
Net operating income

31.03.2019

157,645

31.03.2018

325,899

% Change

-51.63
Net impairement adjustment to loans

31.03.2019

72,485

31.03.2018

26,141

% Change

177.28
Profit (Loss) for the period pertaining to the Parent Company

31.03.2019

47,971

31.03.2018

251,023

% Change

-80.89
Value expressed in €/thousands

bilanci ber - tabella indice redittivita

Profitability ratios

31.03.2019

31.03.2018 (*)

Profitability ratios

ROE

31.03.2019

4.64%

31.03.2018 (*)

9.06%
ROTE

31.03.2019

5.18%

31.03.2018 (*)

10.15%
Cost to income ratio (**)

31.03.2019

68.18%

31.03.2018 (*)

50.40%
(*) ROE and ROTE have been calculated on an annual basis replicating the profit (loss) for the period for the rest 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

31.03.2019

31.12.2018

Structural ratios

Number of employees

31.03.2019

11,613

31.12.2018

11,615
Number of national bank branches

31.03.2019

1,170

31.12.2018

1,218

bilanci - relazioni indici di rischiosità

Risk ratios

31.03.2019

31.12.2018

Risk ratios

Non - performing exposures / net loans to customers

31.03.2019

6.79%

31.12.2018

6.81%
Net bad loans / net loans to customers

31.03.2019

3.06%

31.12.2018

3.08%

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

31.03.2019

31.12.2018

Capital and liquidity ratios

CET 1 Ratio Phased in

31.03.2019

14.24%

31.12.2018

14.27%
Tier 1 Ratio - Phased in

31.03.2019

14.32%

31.12.2018

14.37%
Total Capital Ratio - Phased in

31.03.2019

17.23%

31.12.2018

17.25%
CET 1 Ratio Fully Phased

31.03.2019

12.24%

31.12.2018

11.95%
Leverage Ratio - Phased in

31.03.2019

6.0%

31.12.2018

6.0%
Leverage Ratio - Fully Phased

31.03.2019

5.2%

31.12.2018

5.0%

bilanci bper - dettagli Impieghi alla clientela

Description

31.03.2019

31.12.2018

% Change

Description

Loans to customers

31.03.2019

52,469

31.12.2018

52,747

% Change

-0.53
Intangible assets

31.03.2019

438

31.12.2018

446

% Change

-1.67
of which: goodwill

31.03.2019

265

31.12.2018

265

% Change

-
Total assets

31.03.2019

71,097

31.12.2018

70,635

% Change

+0.65
Direct customers deposit

31.03.2019

50,621

31.12.2018

49,996

% Change

+1.25
Indirect customer deposit

31.03.2019

37,446

31.12.2018

36,257

% Change

+3.28
of which managed

31.03.2019

19,913

31.12.2018

19,331

% Change

+3.01
of which administered

31.03.2019

17,533

31.12.2018

16,926

% Change

+3.58
Bancassurance

31.03.2019

5,297

31.12.2018

5,097

% Change

+3.92
Total shareholders' equity

31.03.2019

4,961

31.12.2018

4,897

% Change

+1.33
value expressed in €/milions

bper-events-archive

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