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Financial statements and reports

 


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BPER Banca Group's preliminary results as at 31 December 2016

 

Summary data as at:

09/02/2017

 

Reclassified consolidated income statement

31.12.2016 (€/thousands)

    31.12.2015 (€/thousands)

Var %

Net interest income

1,170,447

1,227,541

-4.65

Net commission income

712,722

726,693

-1.92

Operating income

2,067,278

2,370,573

-12,79

Operating costs

1,266,961

1,305,924

-2.98

Net operating income

800,317

1,064,649

-24.83

Net impairement adjustment to loans

619,750

705,799

-12.19

Profit (Loss) for the period pertaining to the Parent Company

14,299

220,661

-93.52

 

 

Profitability ratios

31.12.2016

31.12.2015

ROE

0.30%

4.57%

ROTE

0.33%

5.10%

Cost to income ratio (**)

61.29%

55.09%

(*) The Cost to income ratio has been calculated on the basis of the layout of the reclassified income statement (operating expenses / operating income)

 

 

Structural ratios

31.12.2016

31.12.2015

Number of employees

11,635

11,447

Number of national bank branches

1,200

1,216

 

 

Risk ratios

31.12.2016

31.12.2015

Non - performing exposures / net loans to customers

13.62%

14.54%

Net bad loans / net loans to customers

6.61%

6.81%

 

 

Capital and liquidity ratios (*)

31.12.2016

    31.12.2015

CET 1 Ratio Phased in

13.80%

11.54%

Tier 1 Ratio - Phased in

13.89%

11.65%

Total Capital Ratio - Phased in

15.21%

12.80%

CET 1 Ratio Fully Phased

13.27%

11.21%

Leverage Ratio - Phased in

6.7%

7.1%

Leverage Ratio - Fully Phased

6.5%

6.9%

(*) The comparative ratios at 31 December 2015 are presented in the pro-forma version, taking into account the share of profit realized in the second half of 2015 that is allocable to equity (€ 118.6 milion, equal to around 30 bps)

 

Description

31.12.2016 (€/milions)

31.12.2015 (€/milions)

Var %

Loans to customers

45,494

43,703

+4.10

Intangible assets

518

515

+0.52

of which: goodwill

362

380

-4.97

Total assets

64,957

61,261

+6.03

Direct customers deposit

47,748

47,256

+1.04

Indirect customer deposit

32,871

30,374

+8.22

 of which managed

16,286

14,726

+10.59

of which administered

16,585

15,648

+5.99

Bancassurance

4,435

3,766

+17.75

Total shareholders' equity

5,556

5,652

-1.70







Consolidated interim report on operations as at 30 September 2016 (8,338 KB)
Consolidated half-year report as at 30 June 2016 (8,437 KB)
Consolidated interim report on operations as at 31 March 2016 (3,121 KB)
Financial statements 2016 (109 KB)
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