bilanci e relazioni bper - tabella conto economico

Consolidated interim report on operations as at 31 March 2022

Reclassified consolidated income statement

31.03.2022

31.03.2021

% Change

Reclassified consolidated income statement

Net interest income

31.03.2022

376,429

31.03.2021

343,513

% Change

+9.58%
Net commission income

31.03.2022

450,559

31.03.2021

328,132

% Change

37.31%
Operating income

31.03.2022

883,743

31.03.2021

757,683

% Change

+16.64%
Operating costs

31.03.2022

558,428

31.03.2021

546,476

% Change

+2.19%
Net operating income

31.03.2022

325,315

31.03.2021

211,207

% Change

+54.03%
Net impairement losses for credit risk

31.03.2022

111,925

31.03.2021

419,004

% Change

-73.29%
Profit (Loss) for the period pertaining to the Parent Company

31.03.2022

112,672

31.03.2021

400,266

% Change

-71.85%
Value expressed in €/thousands

bilanci ber - tabella indice redittivita

Profitability ratios

31.03.2022

2021 (*)

Profitability ratios

ROE

31.03.2022

7.14%

2021 (*)

8.66%
ROTE

31.03.2022

7.70%

2021 (*)

9.57%
Cost to income ratio (**)

31.03.2022

63.19%

2021 (*)

72.12%
(*)ROE and ROTE, have been calculated on figures at 31 December 2021 as per the Consolidated financial statements as at 31 December 2021, while Cost to income ratio has been calculated on figures at 31 March 2021 as per the Consolidated interim report as at 31 March 2021.
(**) 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

31.03.2022

31.12.2021

Structural ratios

Number of employees

31.03.2022

18,120

31.12.2021

18,128
Number of national bank branches

31.03.2022

1,742

31.12.2021

1,742

bilanci - relazioni indici di rischiosità

Risk ratios

31.03.2022

31.12.2021

Risk ratios

Non - performing exposures / net loans to customers

31.03.2022

2.01%

31.12.2021

2.02%
Net bad loans / net loans to customers

31.03.2022

0.68%

31.12.2021

0.72%

bilanci bper - tabella Coefficienti patrimoniali

Capital and liquidity ratios

31.03.2022

31.12.2021

Capital and liquidity ratios

CET 1 Ratio Phased in

31.03.2022

14.11%

31.12.2021

14.50%
Tier 1 Ratio - Phased in

31.03.2022

14.44%

31.12.2021

14.84%
Total Capital Ratio - Phased in

31.03.2022

16.99%

31.12.2021

17.16%
CET 1 Ratio Fully Phased

31.03.2022

13.60%

31.12.2021

13.50%
Leverage Ratio - Phased in

31.03.2022

4.7%

31.12.2021

4.8%
Leverage Ratio - Fully Phased

31.03.2022

4.5%

31.12.2021

4.5%

bilanci bper - dettagli Impieghi alla clientela

Description

31.03.2022

31.12.2021

% Change

Description

Loans to customers

31.03.2022

78,709

31.12.2021

79,113

% Change

-0.51%
Intangible assets

31.03.2022

464

31.12.2021

459

% Change

+1.03%
of which: goodwill

31.03.2022

204

31.12.2021

204

% Change

-
Total assets

31.03.2022

135,822

31.12.2021

136,348

% Change

-0.39%
Direct customers deposit

31.03.2022

99,372

31.12.2021

101,388

% Change

-1.99%
Indirect customer deposit

31.03.2022

141,913

31.12.2021

146,986

% Change

-3.45%
of which managed

31.03.2022

61,781

31.12.2021

64,823

% Change

-4.69%
of which administered

31.03.2022

80,132

31.12.2021

82,163

% Change

-2.47%
Bancassurance Life sector

31.03.2022

19,432

31.12.2021

19,291

% Change

+0.73%
Total shareholders' equity

31.03.2022

6,907

31.12.2021

6,859

% Change

+0.71%
value expressed in €/milions

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