Financial statements and reports
Financial statements and reports
Consolidated results as at 31 December 2023
|
Reclassified consolidated income statement
|
31.12.2023
|
31.12.2022
|
Change %
|
|---|---|---|---|
|
Net interest income
|
3.251.817
|
1.825.893
|
+78,09%
|
|
Net commission income
|
2.010.426
|
1.942.080
|
+3,52%
|
|
Operating income
|
5.493.906
|
4.258.351
|
+29,01%
|
|
Operating costs
|
3.077.324
|
2.787.766
|
+10,39%
|
|
Net operating income
|
2.416.582
|
1.470.585
|
+64,33%
|
|
Net impairement losses for credit risk
|
436.261
|
606.059
|
-28,02%
|
|
Profit (Loss) for the period pertaining to the Parent Company
|
1.519.496
|
1.448.975
|
+4,87%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Titolo
Valori in migliaia di euro
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Tabella 3 colonne
|
Profitability ratios (*)
|
31.12.2023
|
31.12.2022
|
|---|---|---|
|
ROE
|
24,15%
|
7,94%
|
|
ROTE
|
23,94%
|
8,30%
|
|
Cost to income ratio (*)
|
56,01%
|
65,47%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Titolo
(*) The Cost to income ratio has been calculated on the basis of the layout of the reclassified income statement (operating expenses / operating income).
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Tabella 3 colonne
|
Structural ratios
|
31.12.2023
|
31.12.2022
|
|---|---|---|
|
Number of employees
|
20.224
|
21.059
|
|
Number of national bank branches
|
1.635
|
1.913
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Tabella 3 colonne
|
Risk ratios
|
31.12.2023
|
31.12.2022
|
|---|---|---|
|
Non - performing exposures / net loans to customers
|
1,18%
|
1,41%
|
|
Net bad loans / net loans to customers
|
0,20%
|
0,24%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Tabella 3 colonne
|
Capital and liquidity ratios
|
31.12.2023 (*)
|
31.12.2022
|
|---|---|---|
|
CET 1 Ratio
|
14,46%
|
12,04%
|
|
Tier 1 Ratio
|
14,74%
|
12,32%
|
|
Total Capital Ratio
|
18,06%
|
15,65%
|
|
Leverage Ratio
|
n.d.
|
4,3%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Titolo
(*) The pro-forma capital ratios have been calculated including the result for the year, net of the pro-quota dividends, thus simulating, in advance, the effects of the authorisation issued by the ECB for the inclusion of these profits in Own Funds pursuant to art. 26, para. 2 of the CRR.
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Tabella 4 colonne
|
Description
|
31.12.2023
|
31.12.2022
|
Change%
|
|---|---|---|---|
|
Loans to customers
|
88.224
|
91.175
|
-3,24%
|
|
Intangible assets
|
649
|
564
|
+15,17%
|
|
of which: goodwill
|
170
|
204
|
-16,82%
|
|
Total assets
|
142.128
|
152.303
|
-6,68%
|
|
Direct customers deposit
|
118.767
|
114.831
|
+3,43%
|
|
Indirect customer deposit
|
149.021
|
138.875
|
+7,31%
|
|
of which managedof which administered
|
65.245
|
60.597
|
+7,67%
|
|
of which administered
|
83.776
|
78.278
|
+7,02%
|
|
Bancassurance Life sector
|
21.094
|
24.279
|
-13,12%
|
|
Total shareholders' equity
|
9.565
|
8.121
|
+17,79%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Titolo
value expressed in €/milions
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