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bilanci e relazioni bper - tabella conto economico
Consolidated half-year report as at 30 June 2020
Reclassified consolidated income statement
30.06.2020
30.06.2019
% Change
Reclassified consolidated income statement
Net interest income
30.06.2020
618,251
30.06.2019
546,184
% Change
+13.19
Net commission income
30.06.2020
512,697
30.06.2019
387,754
% Change
+32.
Operating income
30.06.2020
1,220,596
30.06.2019
986,889
% Change
+23.68
Operating costs
30.06.2020
821,135
30.06.2019
682,426
% Change
+20.33
Net operating income
30.06.2020
399,461
30.06.2019
304,463
% Change
+31.20
Net impairement losses for credit risk
30.06.2020
297,322
30.06.2019
147,036
% Change
+102.21
Profit (Loss) for the period pertaining to the Parent Company
30.06.2020
104,679
30.06.2019
100,492
% Change
+4.17
Value expressed in €/thousands
bilanci ber - tabella indice redittivita
Profitability ratios
30.06.2020
30.06.2019(*)
Profitability ratios
ROE
30.06.2020
4.26%
30.06.2019(*)
8.66%
ROTE
30.06.2020
4.92%
30.06.2019(*)
9.92%
Cost to income ratio (**)
30.06.2020
67.27%
30.06.2019(*)
69.15%
(*) ROE and ROTE, have been calculated on figures at 31 December 2019 as per the Consolidated financial statements as at 31 December 2019.
(**) 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
30.06.2020
31.12.2019
Structural ratios
Number of employees
30.06.2020
13,550
31.12.2019
13,805
Number of national bank branches
30.06.2020
1,313
31.12.2019
1,349
bilanci - relazioni indici di rischiosità
Risk ratios
30.06.2020(*)
31.12.2019
Risk ratios
Non - performing exposures / net loans to customers
30.06.2020(*)
5.01%
31.12.2019
5.77%
Net bad loans / net loans to customers
30.06.2020(*)
1,68%
31.12.2019
2.25%
(*) Pro-forma data including the effects of the "Spring" securitisation of bad loans
bilanci bper - tabella Coefficienti patrimoniali
Capital and liquidity ratios
30.06.2020
31.12.2019
Capital and liquidity ratios
CET 1 Ratio Phased in
30.06.2020
14.11%
31.12.2019
13.91%
Tier 1 Ratio - Phased in
30.06.2020
14.56%
31.12.2019
14.35%
Total Capital Ratio - Phased in
30.06.2020
17.03%
31.12.2019
16.82%
CET 1 Ratio Fully Loaded
30.06.2020
12.57%
31.12.2019
12.01%
Leverage Ratio - Phased in
30.06.2020
n.a.
31.12.2019
6.1%
Leverage Ratio - Fully Phased
30.06.2020
n.a.
31.12.2019
5.3%
bilanci bper - dettagli Impieghi alla clientela
Description
30.06.2020
31.12.2019
% Change
Description
Loans to customers
30.06.2020
52,884
31.12.2019
52,006
% Change
+1.69
Intangible assets
30.06.2020
658
31.12.2019
670
% Change
-1.78
of which: goodwill
30.06.2020
435
31.12.2019
435
% Change
-
Total assets
30.06.2020
85,935
31.12.2019
79,033
% Change
+8.73
Direct customers deposit
30.06.2020
59,814
31.12.2019
58,055
% Change
+3.03
Indirect customer deposit
30.06.2020
106,525
31.12.2019
110,623
% Change
-3.71
of which managed
30.06.2020
40,201
31.12.2019
41,714
% Change
-3.63
of which administered
30.06.2020
66,324
31.12.2019
68,909
% Change
-3.75
Bancassurance
30.06.2020
7,160
31.12.2019
6,937
% Change
+3.22
Total shareholders' equity
30.06.2020
5,355
31.12.2019
5,292
% Change
+1.20
value expressed in €/milions
bper-events-archive
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