In the first nine months of 2011, the BPER Group recorded positive income statements results, with total consolidated net profit of € 164,8 millions.
HIgher net interest income and lower loan adjustments, despite the difficult economic environment.
Summary data as at:
28/12/2011
Income statement
30.09.2011 (€/thousands)
30.09.2010 (€/thousands)
% change
988,662
959,890
+3.00
516,119
515,685
+0.08
1,548,347
1,535,332
+0.85
Net adjustments to loans
259,787
263,100
-1.26
943,921
925,780
+1.96
139,215
271,201
-48.67
Profitability ratios
30.09.2011
2010 (*)
ROE
6.09%
10.00%
ROA net profit/total assets
0.23%
0.47%
Cost / income ratio
60.96%
60.30%
Leverage (toal tangilble assets/tangible net equity)
16.02x
16.38x
(*) the ratios for 2010 have been recalculated, where necessary, based on the reclassification of the balance sheet and income statement.
Description
30.09.2011 (€/millions)
31.12.2010 (€/millions)
Loans to customers
48,351
47,780
+1.19
Property, plant and equipment
993
997
-0.40
Intangible assets
510
511
-0.20
of which: goodwill
437
446
-2.02
47,636
48,284
-1.34
Debt securities in issue
13,201
12,686
+4.06
Indirect customer deposits
25,345
28,065
-9.69
Shareholders' equity
4,390
4,344
+1.06
Unsatisfactory
Poor
Satisfactory
Good
Excellent
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