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bilanci e relazioni bper - tabella conto economico
Consolidated interim report as at 30 September 2019
Reclassified consolidated income statement
30.09.2019
30.09.2018
% Change
Reclassified consolidated income statement
Net interest income
30.09.2019
862,093
30.09.2018
850,092
% Change
+1.41
Net commission income
30.09.2019
656,070
30.09.2018
577,081
% Change
+13.69
Operating income
30.09.2019
1,643,770
30.09.2018
1,662,560
% Change
-1.13
Operating costs
30.09.2019
1,071,774
30.09.2018
1,010,834
% Change
+6.03
Net operating income
30.09.2019
571,996
30.09.2018
651,726
% Change
-12.23
Net impairement losses for credit risk
30.09.2019
309,057
30.09.2018
155,871
% Change
+98.28
Profit (Loss) for the period pertaining to the Parent Company
30.09.2019
522.925
30.09.2018
358.126
% Change
+46.02
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios
30.09.2019
30.09.2018 (*)
Profitability ratios
ROE
30.09.2019
16.03%
30.09.2018 (*)
9.06%
ROTE
30.09.2019
18.25%
30.09.2018 (*)
10.15%
Cost to income ratio (**)
30.09.2019
65.20%
30.09.2018 (*)
60.80%
(*) 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
30.09.2019
31.12.2018
Structural ratios
Number of employees
30.09.2019
13,910
31.12.2018
11,615
Number of national bank branches
30.09.2019
1,429
31.12.2018
1,218
bilanci - relazioni indici di rischiosità
Risk ratios
30.09.2019
31.12.2018
Risk ratios
Non - performing exposures / net loans to customers
30.09.2019
6.07%
31.12.2018
6.81%
Net bad loans / net loans to customers
30.09.2019
2.41%
31.12.2018
3.08%
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
30.09.2019
31.12.2018
Capital and liquidity ratios
CET 1 Ratio Phased in
30.09.2019
13.10%
31.12.2018
14.27%
Tier 1 Ratio - Phased in
30.09.2019
13.55%
31.12.2018
14.37%
Total Capital Ratio - Phased in
30.09.2019
16.12%
31.12.2018
17.25%
CET 1 Ratio Fully Phased
30.09.2019
12.36%*
31.12.2018
11.95%
Leverage Ratio - Phased in
30.09.2019
5.6%
31.12.2018
6.0%
Leverage Ratio - Fully Phased
30.09.2019
4.8%
31.12.2018
5.0%
*Cet1 Fully phased calculated incorporating the expected badwill
bilanci bper - dettagli Impieghi alla clientela
Description
30.09.2019
31.12.2018
% Change
Description
Loans to customers
30.09.2019
52,496
31.12.2018
47,051
% Change
+11.57
Intangible assets
30.09.2019
612
31.12.2018
446
% Change
37.37
of which: goodwill
30.09.2019
435
31.12.2018
265
% Change
+64.22
Total assets
30.09.2019
80,695
31.12.2018
70,635
% Change
+14.24
Direct customers deposit
30.09.2019
58,167
31.12.2018
49,996
% Change
+16.34
Indirect customer deposit
30.09.2019
107,442
31.12.2018
36,257
% Change
+196.33
of which managed
30.09.2019
38,013
31.12.2018
19,331
% Change
+96.64
of which administered
30.09.2019
69,429
31.12.2018
16,926
% Change
+310.18
Bancassurance
30.09.2019
6,576
31.12.2018
5,097
% Change
+29.02
Total shareholders' equity
30.09.2019
5,432
31.12.2018
4,897
% Change
+10.94
value expressed in €/milions
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