BPER Banca S p A : Financial statements as at 30 June 2021
August 05, 2021 at 01:16 pm IST
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DISCLAIMER
DISCLAIMER
This document has been prepared by "BPER Banca" solely for information purposes, and only in order to present its strategies and main financial figures.
The information contained in this document has not been audited.
No guarantee, express or implied, can be given as to the document's contents, nor should the completeness, correctness or accuracy of the information or opinions herein be relied upon.
BPER Banca, its advisors and its representatives decline all liability (for negligence or any other cause) for any loss occasioned by the use of this document or its contents.
All forecasts contained herein have been prepared on the basis of specific assumptions which could prove wrong, in which case the actual data would differ from the figures given herein.
No part of this document may be regarded as forming the basis for any contract or agreement.
No part of the information contained herein may for any purpose be reproduced or published as a whole or in part, nor may such information be disseminated
Reclassified Balance Sheet
Reclassified Financial Statements
RESTATED IAS 40
Assets
30.06.2021
31.12.2020
Change 30.06.2021 - 31.12.2020
Change %
31.03.2021
31.12.2020
31.12.2020
30.09.2020
30.06.2020
31.03.2020
31.12.2019
30.09.2019
30.06.2019
31.03.2019
31.12.2018
30.09.2018
30.06.2018
31.03.2018
01.01.2018
31.12.2017
Cash and cash equivalents
664,507
482,192
182,315
37.81%
589,022
482,192
482,192
464,244
460,927
402,042
566,930
493,538
395,525
363,073
459,782
392,189
353,774
337,394
420,299
420,299
Financial assets
27,065,595
24,661,915
2,403,680
9.75%
26,408,166
24,661,915
24,661,915
23,212,173
22,254,677
19,878,531
18,956,906
18,777,522
17,159,152
17,370,954
17,152,084
16,642,362
16,328,319
15,145,138
15,799,267
15,661,977
a) Financial assets held for trading
317,324
279,009
38,315
13.73%
331,893
279,009
279,009
257,216
236,699
244,181
270,374
328,291
270,204
248,886
247,219
287,687
350,388
411,047
414,294
414,294
b) Financial assets designated at fair value
125,822
127,368
(1,546)
-1.21%
124,643
127,368
127,368
126,045
128,690
127,032
130,955
131,594
219,702
217,361
218,662
216,810
221,625
224,689
223,192
223,192
c) Other financial assets mandatorily measured at fair value through profit or loss
671,899
765,917
(94,018)
-12.28%
798,403
765,917
765,917
703,080
707,983
672,547
692,995
662,663
557,815
579,749
662,744
909,156
849,430
610,305
655,596
689,115
d) Financial assets measured at fair value through other comprehensive income
6,463,827
6,269,818
194,009
3.09%
6,332,524
6,269,818
6,269,818
6,322,985
6,451,484
6,509,863
6,556,202
6,911,141
7,808,130
8,253,832
8,560,568
9,022,848
9,292,312
9,860,789
13,547,372
13,395,435
e) Debt securities measured at amortised cost
19,486,723
17,219,803
2,266,920
13.16%
18,820,703
17,219,803
17,219,803
15,802,847
14,729,821
12,324,908
11,306,380
10,743,833
8,303,301
8,071,126
7,462,891
6,205,861
5,614,564
4,038,308
958,813
939,941
- banks
5,424,983
4,496,133
928,850
20.66%
5,162,565
4,496,133
4,496,133
4,236,290
3,978,372
3,237,826
2,744,570
2,641,906
2,384,640
2,113,307
1,766,169
1,511,155
1,075,460
736,722
196,713
193,334
- customers
14,061,740
12,723,670
1,338,070
10.52%
13,658,138
12,723,670
12,723,670
11,566,557
10,751,449
9,087,082
8,561,810
8,101,927
5,918,661
5,957,819
5,696,722
4,694,706
4,539,104
3,301,586
762,100
746,607
Loans
100,781,232
62,888,784
37,892,448
60.25%
96,140,767
62,888,784
62,888,784
60,025,257
58,010,131
54,953,846
54,353,634
56,244,776
49,158,263
48,684,687
48,594,875
49,660,565
48,951,969
48,902,545
49,472,225
50,624,967
a) Loans to banks
24,433,936
9,856,598
14,577,338
147.89%
20,716,710
9,856,598
9,856,598
7,110,099
5,100,751
3,893,926
2,321,809
3,722,040
2,616,439
2,173,016
1,540,509
4,009,534
3,146,234
3,495,614
3,000,199
3,012,515
b) Loans to customers
76,290,302
53,005,879
23,284,423
43.93%
75,367,414
53,005,879
53,005,879
52,889,342
52,883,574
51,034,124
52,006,038
52,496,061
46,541,824
46,511,671
47,050,942
45,647,637
45,802,365
45,403,584
46,468,704
47,609,130
c) Financial assets measured at fair value through other comprehensive income
56,994
26,307
30,687
116.65%
56,643
26,307
26,307
25,816
25,806
25,796
25,787
26,675
-
-
3,424
3,394
3,370
3,347
3,322
3,322
Hedging derivatives
121,425
57,776
63,649
110.17%
127,721
57,776
57,776
49,631
49,653
53,100
82,185
65,401
53,567
33,816
35,564
57,469
50,066
51,075
54,061
54,061
Equity investments
228,451
225,558
2,893
1.28%
230,247
225,558
225,558
220,254
218,480
225,358
225,869
251,613
453,046
450,000
446,049
444,844
448,990
456,075
454,367
454,367
Property, plant and equipment
2,064,470
1,366,915
697,555
51.03%
1,883,796
1,366,915
1,352,690
1,345,489
1,347,121
1,367,636
1,369,724
1,356,757
1,261,800
1,270,023
1,063,273
1,051,767
1,056,260
1,057,326
1,063,483
1,063,483
Intangible assets
473,051
702,723
(229,672)
-32.68%
465,852
702,723
702,723
660,733
657,953
660,791
669,847
612,235
431,922
438,265
445,689
495,059
497,340
499,403
506,627
506,627
- of which: goodwill
204,392
434,758
(230,366)
-52.99%
204,392
434,758
434,758
434,758
434,758
434,758
434,758
434,758
264,740
264,740
264,740
327,084
327,084
327,084
327,084
327,084
Other assets
3,402,892
2,675,920
726,972
27.17%
3,153,328
2,675,920
2,679,200
2,640,208
2,936,605
2,558,012
2,808,403
2,893,584
2,669,393
2,486,591
2,437,451
2,477,622
2,610,017
2,489,238
2,550,510
2,553,026
Total assets
134,801,623
93,061,783
41,739,840
44.85%
128,998,899
93,061,783
93,050,838
88,617,989
85,935,547
80,099,316
79,033,498
80,695,426
71,582,668
71,097,409
70,634,767
71,221,877
70,296,735
68,938,194
70,320,839
71,338,807
-
-
-
Liabilities and shareholders's equity
30.06.2021
31.12.2020
Change 30.06.2021 - 31.12.2020
Var. %
31.03.2021
31.12.2020
31.12.2020
30.09.2020
30.06.2020
31.03.2020
31.12.2019
30.09.2019
30.06.2019
31.03.2019
31.12.2018
30.09.2018
30.06.2018
31.03.2018
01.01.2018
31.12.2017
Due to banks
22,710,245
20,180,999
2,529,246
12.53%
22,258,572
20,180,999
20,180,999
19,188,980
16,600,757
14,092,713
12,213,133
12,353,388
12,504,749
13,033,898
13,126,248
12,730,558
12,622,968
12,626,209
12,984,226
12,984,226
Direct deposits
98,497,569
63,140,669
35,356,900
56.00%
94,441,876
63,140,669
63,140,669
59,780,401
59,814,831
57,136,313
58,055,608
58,166,847
51,029,054
50,621,245
49,996,419
51,184,053
49,879,284
48,919,211
50,246,932
50,246,417
a) Due to customers
93,768,069
58,458,479
35,309,590
60.40%
89,372,036
58,458,479
58,458,479
55,145,698
54,457,590
51,700,785
52,220,719
51,769,432
45,465,848
44,796,953
44,594,863
44,387,688
43,291,051
41,900,213
42,694,078
42,694,078
b) Debt securities issued
4,729,500
4,682,190
47,310
1.01%
5,069,840
4,682,190
4,682,190
4,634,703
5,357,241
5,435,528
5,834,889
6,397,415
5,563,206
5,824,292
5,401,556
6,796,365
6,588,233
7,018,998
7,552,854
7,552,339
Financial liabilities held for trading
138,979
170,094
(31,115)
-18.29%
147,324
170,094
170,094
167,410
166,835
164,498
165,970
247,347
220,086
167,982
143,824
150,490
241,013
315,365
170,046
170,046
Hedging derivatives
327,519
469,240
(141,721)
-30.20%
344,047
469,240
469,240
459,681
444,191
396,146
294,114
419,671
306,649
206,666
92,374
27,812
42,918
18,898
23,795
23,795
Other liabilities
6,252,607
2,766,652
3,485,955
126.00%
4,977,929
2,766,652
2,759,082
3,568,127
3,553,948
3,125,839
3,013,126
4,075,781
2,572,406
2,106,145
2,379,334
2,272,860
2,772,599
2,223,795
2,262,970
2,197,592
Minority interests
146,354
133,983
12,371
9.23%
140,657
133,983
133,935
137,257
139,442
135,791
131,662
176,160
505,929
510,166
507,457
474,455
474,358
493,872
451,825
653,010
Shareholders' equity pertaining to the Parent Company
6,728,350
6,200,146
528,204
8.52%
6,688,494
6,200,146
6,196,819
5,316,133
5,215,543
5,048,016
5,159,885
5,256,232
4,443,795
4,451,307
4,389,111
4,381,649
4,263,595
4,340,844
4,181,045
5,063,721
a) Valuation reserves
234,009
118,105
115,904
98.14%
240,535
118,105
118,105
53,367
(2,322)
(71,110)
37,750
(39,838)
15,130
14,199
949
34,557
60,974
140,229
204,422
75,089
b) Reserves
2,508,116
2,360,743
147,373
6.24%
2,563,320
2,360,743
2,348,691
2,351,088
2,405,839
2,405,697
2,035,205
2,088,106
1,961,433
2,022,397
1,619,469
1,622,226
1,527,996
1,582,852
1,433,445
2,445,454
c) Equity instruments
150,000
150,000
-
0.00%
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
-
-
-
-
-
-
-
-
d) Share premium reserve
1,240,871
1,241,197
(326)
-0.03%
1,241,197
1,241,197
1,241,197
1,002,722
1,002,722
1,002,722
1,002,722
999,373
930,073
930,073
930,073
930,073
930,073
930,073
930,073
930,073
e) Share capital
2,100,435
2,100,435
-
0.00%
2,100,435
2,100,435
2,100,435
1,565,596
1,561,884
1,561,884
1,561,884
1,542,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
f) Treasury shares
(6,889)
(7,259)
370
-5.10%
(7,259)
(7,259)
(7,259)
(7,259)
(7,259)
(7,259)
(7,259)
(7,259)
(7,258)
(7,258)
(7,258)
(7,258)
(7,258)
(7,258)
(7,258)
(7,258)
g) Profit (loss) for the period pertaining to the Parent Company
501,808
236,925
264,883
111.80%
400,266
236,925
245,650
200,619
104,679
6,082
379,583
522,925
100,492
47,971
401,953
358,126
307,885
251,023
176,438
176,438
Total liabilities and shareholder's equity
134,801,623
93,061,783
41,739,840
44.85%
128,998,899
93,061,783
93,050,838
88,617,989
85,935,547
80,099,316
79,033,498
80,695,426
71,582,668
71,097,409
70,634,767
71,221,877
70,296,735
68,938,194
70,320,839
71,338,807
Comparable figures at 31 December 2020 shown in the balance sheet schedules have been restated to show the effects of the retrospective application of change in accounting method used to measure property, plant and equipment held for investment.
Reclassified P&L
Reclassified consolidated income statement
RESTATED IAS 40
Captions
0
30.06.2021
30.06.2020
Change 30.06.2021 - 30.06.2020
Change %
31.03.2021
31.12.2020
30.09.2020
30.06.2020
31.03.2020
31.12.2020
30.09.2020
30.06.2020
31.03.2020
31.12.2019
30.09.2019
30.06.2019
31.03.2019
31.12.2018
30.09.2018
30.06.2018
31.03.2018
31.12.2017
30.09.2017
30.06.2017
31.03.2018
10+20
Net interest income
728,322
618,251
110,071
17.80%
343,513
1,238,876
943,743
618,251
307,971
1,238,876
943,743
618,251
307,971
1,164,539
862,093
546,184
273,896
1,122,437
850,092
573,502
293,234
1,124,479
850,337
570,119
288,114
of which IFRS 9 components
8,069
17,359
(9,290)
-53.52%
4,097
25,728
22,544
17,359
9,414
25,728
22,544
17,359
9,414
43,643
40,183
28,435
13,352
76,367
63,970
46,394
25,637
40+50
Net commission income
733,958
512,697
221,261
43.16%
328,132
1,072,514
774,824
512,697
267,595
1,072,514
774,824
512,697
267,595
931,950
656,070
387,754
192,544
776,265
577,081
389,056
198,120
740,628
544,026
359,224
177,373
70
Dividends
13,947
12,843
1,104
8.60%
1,678
18,492
17,393
12,843
809
18,492
17,393
12,843
809
14,101
13,650
10,226
539
34,339
13,786
13,461
584
12,416
11,631
11,124
312
80+90+100+110
Net income from financial activities
119,712
52,474
67,238
128.14%
76,241
138,165
95,589
52,474
5,642
138,165
95,589
52,474
5,642
113,993
77,186
27,465
22,062
104,022
190,944
170,065
153,634
103,134
71,022
50,533
24,664
230 (*)
Other operating charges/income
2,488
24,331
(21,843)
-89.77%
8,119
40,974
31,969
24,331
14,607
40,974
31,969
24,331
14,607
51,079
34,771
15,260
6,337
44,209
30,657
19,659
11,485
58,190
48,173
24,608
10,310
Operating income
1,598,427
1,220,596
377,831
30.95%
757,683
2,509,021
1,863,518
1,220,596
596,624
2,509,021
1,863,518
1,220,596
596,624
2,275,662
1,643,770
986,889
495,378
2,081,272
1,662,560
1,165,743
657,057
2,038,847
1,525,189
1,015,608
500,773
190 a)
Staff costs
(657,203)
(504,664)
(152,539)
30.23%
(302,142)
(960,719)
(721,302)
(504,664)
(255,576)
(960,719)
(721,302)
(504,664)
(255,576)
(1,049,686)
(657,676)
(426,740)
(213,631)
(821,494)
(614,987)
(420,434)
(207,534)
(783,478)
(577,332)
(385,676)
(194,125)
190 b) (*) (**)
Other administrative expenses
(347,283)
(231,463)
(115,820)
50.04%
(189,880)
(499,040)
(351,600)
(231,463)
(114,546)
(499,040)
(351,600)
(231,463)
(114,546)
(451,830)
(305,357)
(187,134)
(90,930)
(442,431)
(316,589)
(212,266)
(102,285)
(425,611)
(308,957)
(201,492)
(96,628)
210+220
Net adjustments to property, plant, equipment and intangible assets
(106,964)
(81,353)
(25,611)
31.48%
(54,454)
(167,421)
(122,139)
(81,353)
(39,905)
(178,518)
(128,003)
(85,008)
(40,957)
(185,076)
(108,741)
(68,552)
(33,172)
(118,939)
(79,258)
(56,325)
(21,339)
(87,429)
(61,350)
(40,697)
(18,685)
Operating costs
(1,111,450)
(817,480)
(293,970)
35.96%
(546,476)
(1,627,180)
(1,195,041)
(817,480)
(410,027)
(1,638,277)
(1,200,905)
(821,135)
(411,079)
(1,686,592)
(1,071,774)
(682,426)
(337,733)
(1,382,864)
(1,010,834)
(689,025)
(331,158)
(1,296,518)
(947,639)
(627,865)
(309,438)
Net operating income
486,977
403,116
83,861
20.80%
211,207
881,841
668,477
403,116
186,597
870,744
662,613
399,461
185,545
589,070
571,996
304,463
157,645
698,408
651,726
476,718
325,899
742,329
577,550
387,743
191,335
130 a)
Net impairment losses to financial assets at amortised cost
(576,295)
(297,322)
(278,973)
93.83%
(419,004)
(541,877)
(405,192)
(297,322)
(139,553)
(541,877)
(405,192)
(297,322)
(139,553)
(447,547)
(308,021)
(147,036)
(72,485)
(225,772)
(155,206)
(84,934)
(26,141)
(535,975)
(412,954)
(323,232)
(133,573)
- loans to customers
(576,896)
(293,837)
(283,059)
96.33%
(417,667)
(534,605)
(400,361)
(293,837)
(139,991)
(534,605)
(400,361)
(293,837)
(139,991)
(444,818)
(305,369)
(145,960)
(71,328)
(223,315)
(152,775)
(82,688)
(26,141)
- other financial activities
601
(3,485)
4,086
-117.25%
(1,337)
(7,272)
(4,831)
(3,485)
438
(7,272)
(4,831)
(3,485)
438
(2,729)
(2,652)
(1,076)
(1,157)
(2,457)
(2,431)
(2,246)
-
130 b)
Net impairment losses to financial assets at fair value
1,686
(858)
2,544
-296.50%
773
(362)
(495)
(858)
105
(362)
(495)
(858)
105
1,256
582
29
421
2,066
2,054
1,904
1,763
(104,628)
(101,000)
(71,617)
(17,381)
140
Gains (Losses) from contractual modifications without derecognition
(1,779)
(442)
(1,337)
302.49%
(602)
(2,141)
(624)
(442)
(195)
(2,141)
(624)
(442)
(195)
(2,979)
(1,618)
(967)
(891)
(2,956)
(2,719)
(1,183)
-
-
-
-
-
Net impairment losses to credit risk
(576,388)
(298,622)
(277,766)
93.02%
(418,833)
(544,380)
(406,311)
(298,622)
(139,643)
(544,380)
(406,311)
(298,622)
(139,643)
(449,270)
(309,057)
(147,974)
(72,955)
(226,662)
(155,871)
(84,213)
(24,378)
(640,603)
(513,954)
(394,849)
(150,954)
200
Net provisions for risks and charges
(50,506)
(14,901)
(35,605)
238.94%
(40,914)
(32,481)
(30,010)
(14,901)
2,276
(32,481)
(30,010)
(14,901)
2,276
(12,193)
(9,202)
(11,693)
(1,995)
(25,194)
(49,130)
(37,039)
(11,663)
(45,891)
(7,990)
(5,168)
(1,014)
###
Contributions to SRF, DGS, IDGF - VS
(46,161)
(34,163)
(11,998)
35.12%
(31,055)
(88,182)
(64,653)
(34,163)
(31,978)
(88,182)
(64,653)
(34,163)
(31,978)
(60,681)
(58,414)
(32,643)
(23,184)
(52,325)
(52,400)
(28,952)
(20,282)
(37,721)
(36,152)
(15,947)
(18,061)
250+270+280
Gains (Losses) on investments
(253,284)
(10,087)
(243,197)
2410.99%
(250,655)
(20,063)
(10,025)
(10,087)
64
(2,079)
(4,020)
(5,160)
321
6,611
8,810
8,395
3,809
(48,701)
8,953
5,418
2,827
(9,886)
11,433
6,548
3,705
275
Gain on a bargain purchase
1,149,922
-
1,149,922
--
1,077,869
-
-
-
-
-
-
-
-
343,361
353,805
-
-
-
-
-
-
190,892
130,722
130,722
-
290
Profit (Loss) from current operations before tax
710,560
45,343
665,217
1467.08%
547,619
196,735
157,478
45,343
17,316
203,622
157,619
46,615
16,521
416,898
557,938
120,548
63,320
345,526
403,278
331,932
272,403
199,120
161,609
109,049
25,011
300
Income taxes on current operations for the period
(191,732)
68,021
(259,753)
-381.87%
(140,830)
65,191
60,972
68,021
(6,582)
67,045
62,362
68,947
(6,119)
(22,446)
(19,945)
(11,279)
(12,266)
100,264
(23,974)
(9,768)
(6,918)
(22,238)
(13,513)
10,183
(7,743)
330
Profit (Loss) for the period
518,828
113,364
405,464
357.67%
406,789
261,926
218,450
113,364
10,734
270,667
219,981
115,562
10,402
394,452
537,993
109,269
51,054
445,790
379,304
322,164
265,485
176,882
148,096
119,232
17,268
340
Profit (Loss) for the period pertaining to minority interests
(17,020)
(10,868)
(6,152)
56.61%
(6,523)
(25,001)
(19,352)
(10,868)
(4,325)
(25,017)
(19,362)
(10,883)
(4,320)
(14,869)
(15,068)
(8,777)
(3,083)
(43,837)
(21,178)
(14,279)
(14,462)
(444)
862
(170)
(2,710)
350
Profit (Loss) for the period pertaining to the Parent Company
501,808
102,496
399,312
389.59%
400,266
236,925
199,098
102,496
6,409
245,650
200,619
104,679
6,082
379,583
522,925
100,492
47,971
401,953
358,126
307,702
251,023
176,438
148,958
119,062
14,558
Captions net of:
(*)
Recovery of indirect taxes
112,954
68,573
44,381
64.72%
54,698
139,969
103,478
68,573
34,037
139,969
103,478
68,573
34,037
137,269
100,051
63,727
31,746
126,014
94,974
63,452
31,823
126,175
96,194
65,193
30,405
(**)
Contributions to SRF, DGS, IDGF - VS
(46,161)
(34,163)
(11,998)
35.12%
(31,055)
(88,182)
(64,653)
(34,163)
(31,978)
(88,182)
(64,653)
(34,163)
(31,978)
(60,681)
(58,414)
(32,643)
(23,184)
(52,325)
(52,400)
(28,952)
(20,282)
(37,721)
(36,152)
(15,947)
(18,061)
Comparable figures at 30 June 2020 shown in the income statement schedules have been restated to show the effects of the retrospective application of change in accounting method used to measure property, plant and equipment held for investment.
Reclassified P&L by quarter
Reclassified consolidated income statement quarter by quarter
RESTATED IAS 40
Captions
0
1st quarter 2021
2nd quarter 2021
1st quarter 2020
2nd quarter 2020
3rd quarter 2020
4th quarter 2020
1st quarter 2020
2nd quarter 2020
3rd quarter 2020
4th quarter 2020
1st quarter 2019
2nd quarter 2019
3rd quarter 2019
4th quarter 2019
1st quarter 2018
2nd quarter 2018
3rd quarter 2018
4th quarter 2018
1st quarter 2017
2nd quarter 2017
3rd quarter 2017
4th quarter 2017
10+20
Net interest income
343,513
384,809
307,971
310,280
325,492
295,133
307,971
310,280
325,492
295,133
273,896
272,288
315,909
302,446
293,234
280,268
276,590
272,345
288,114
282,005
280,218
274,142
of which IFRS 9 components
4,097
3,972
9,414
7,945
5,185
3,184
9,414
7,945
5,185
3,184
13,352
15,083
11,748
3,460
25,637
20,757
17,576
12,397
40+50
Net commission income
328,132
405,826
267,595
245,102
262,127
297,690
267,595
245,102
262,127
297,690
192,544
195,210
268,316
275,880
198,120
190,936
188,025
199,184
177,373
181,851
184,802
196,602
70
Dividends
1,678
12,269
809
12,034
4,550
1,099
809
12,034
4,550
1,099
539
9,687
3,424
451
584
12,877
325
20,553
312
10,812
507
785
80+90+100+110
Net income from financial activities
76,241
43,471
5,642
46,832
43,115
42,576
5,642
46,832
43,115
42,576
22,062
5,403
49,721
36,807
153,634
16,431
20,879
(86,922)
24,664
25,869
20,489
32,112
230 (*)
Other operating charges/income
8,119
(5,631)
14,607
9,724
7,638
9,005
14,607
9,724
7,638
9,005
6,337
8,923
19,511
16,308
11,485
8,174
10,998
13,552
10,310
14,298
23,565
10,017
Operating income
757,683
840,744
596,624
623,972
642,922
645,503
596,624
623,972
642,922
645,503
495,378
491,511
656,881
631,892
657,057
508,686
496,817
418,712
500,773
514,835
509,581
513,658
190 a)
Staff costs
(302,142)
(355,061)
(255,576)
(249,088)
(216,638)
(239,417)
(255,576)
(249,088)
(216,638)
(239,417)
(213,631)
(213,109)
(230,936)
(392,010)
(207,534)
(212,900)
(194,553)
(206,507)
(194,125)
(191,551)
(191,656)
(206,146)
190 b) (*) (**)
Other administrative expenses
(189,880)
(157,403)
(114,546)
(116,917)
(120,137)
(147,440)
(114,546)
(116,917)
(120,137)
(147,440)
(90,930)
(96,204)
(118,223)
(146,473)
(102,285)
(109,981)
(104,323)
(125,842)
(96,628)
(104,864)
(107,465)
(116,654)
210+220
Net adjustments to property, plant, equipment and intangible assets
(54,454)
(52,510)
(39,905)
(41,448)
(40,786)
(45,282)
(40,957)
(44,051)
(42,995)
(50,515)
(33,172)
(35,380)
(40,189)
(76,335)
(21,339)
(34,986)
(22,933)
(39,681)
(18,685)
(22,012)
(20,653)
(26,079)
Operating costs
(546,476)
(564,974)
(410,027)
(407,453)
(377,561)
(432,139)
(411,079)
(410,056)
(379,770)
(437,372)
(337,733)
(344,693)
(389,348)
(614,818)
(331,158)
(357,867)
(321,809)
(372,030)
(309,438)
(318,427)
(319,774)
(348,879)
Net operating income
211,207
275,770
186,597
216,519
265,361
213,364
185,545
213,916
263,152
208,131
157,645
146,818
267,533
17,074
325,899
150,819
175,008
46,682
191,335
196,408
189,807
164,779
130 a)
Net impairment losses to financial assets at amortised cost
(419,004)
(157,291)
(139,553)
(157,769)
(107,870)
(136,685)
(139,553)
(157,769)
(107,870)
(136,685)
(72,485)
(74,551)
(160,985)
(139,526)
(26,141)
(58,793)
(70,272)
(70,566)
(133,573)
(189,659)
(89,722)
(123,021)
- loans to customers
(417,667)
(159,229)
(139,991)
(153,846)
(106,524)
(134,244)
(139,991)
(153,846)
(106,524)
(134,244)
(71,328)
(74,632)
(159,409)
(139,449)
(26,141)
(56,547)
(70,087)
(70,540)
- other financial activities
(1,337)
1,938
438
(3,923)
(1,346)
(2,441)
438
(3,923)
(1,346)
(2,441)
(1,157)
81
(1,576)
(77)
-
(2,246)
(185)
(26)
130 b)
Net impairment losses to financial assets at fair value
773
913
105
(963)
363
133
105
(963)
363
133
421
(392)
553
674
1,763
141
150
12
(17,381)
(54,236)
(29,383)
(3,628)
140
Gains (Losses) from contractual modifications without derecognition
(602)
(1,177)
(195)
(247)
(182)
(1,517)
(195)
(247)
(182)
(1,517)
(891)
(76)
(651)
(1,361)
-
(1,183)
(1,536)
(237)
-
-
-
-
Net impairment losses to credit risk
(418,833)
(157,555)
(139,643)
(158,979)
(107,689)
(138,069)
(139,643)
(158,979)
(107,689)
(138,069)
(72,955)
(75,019)
(161,083)
(140,213)
(24,378)
(59,835)
(71,658)
(70,791)
(150,954)
(243,895)
(119,105)
(126,649)
200
Net provisions for risks and charges
(40,914)
(9,592)
2,276
(17,177)
(15,109)
(2,471)
2,276
(17,177)
(15,109)
(2,471)
(1,995)
(9,698)
2,491
(2,991)
(11,663)
(25,376)
(12,091)
23,936
(1,014)
(4,154)
(2,822)
(37,901)
###
Contributions to SRF, DGS, IDGF - VS
(31,055)
(15,106)
(31,978)
(2,185)
(30,490)
(23,529)
(31,978)
(2,185)
(30,490)
(23,529)
(23,184)
(9,459)
(25,771)
(2,267)
(20,282)
(8,670)
(23,448)
75
(18,061)
2,114
(20,205)
(1,569)
250+270+280
Gains (Losses) on investments
(250,655)
(2,629)
64
(10,151)
62
(10,038)
321
(5,481)
1,140
1,941
3,809
4,586
415
(2,199)
2,827
2,591
3,535
(57,654)
3,705
2,843
4,885
(21,319)
275
Gain on a bargain purchase
1,077,869
72,053
-
-
-
-
-
-
-
-
-
-
353,805
(10,444)
-
-
-
-
-
130,722
-
60,170
290
Profit (Loss) from current operations before tax
547,619
162,941
17,316
28,027
112,135
39,257
16,521
30,094
111,004
46,003
63,320
57,228
437,390
(141,040)
272,403
59,529
71,346
(57,752)
25,011
84,038
52,560
37,511
300
Income taxes on current operations for the period
(140,830)
(50,902)
(6,582)
74,603
(7,049)
4,219
(6,119)
75,066
(6,585)
4,683
(12,266)
987
(8,666)
(2,501)
(6,918)
(2,850)
(14,206)
124,238
(7,743)
17,926
(23,696)
(8,725)
330
Profit (Loss) for the period
406,789
112,039
10,734
102,630
105,086
43,476
10,402
105,160
104,419
50,686
51,054
58,215
428,724
(143,541)
265,485
56,679
57,140
66,486
17,268
101,964
28,864
28,786
340
Profit (Loss) for the period pertaining to minority interests
(6,523)
(10,497)
(4,325)
(6,543)
(8,484)
(5,649)
(4,320)
(6,563)
(8,479)
(5,655)
(3,083)
(5,694)
(6,291)
199
(14,462)
183
(6,899)
(22,659)
(2,710)
2,540
1,032
(1,306)
350
Profit (Loss) for the period pertaining to the Parent Company
400,266
101,542
6,409
96,087
96,602
37,827
6,082
98,597
95,940
45,031
47,971
52,521
422,433
(143,342)
251,023
56,862
50,424
43,827
14,558
104,504
29,896
27,480
Captions net of:
(*)
Recovery of indirect taxes
54,698
58,256
34,037
34,536
34,905
36,491
34,037
34,536
34,905
36,491
31,746
31,981
36,324
37,218
31,823
31,629
31,522
31,040
29,981
31,001
31,382
33,811
(**)
Contributions to SRF, DGS, IDPF - VS
(31,055)
(15,106)
(31,978)
(2,185)
(30,490)
(23,529)
(31,978)
(2,185)
(30,490)
(23,529)
(23,184)
(9,459)
(25,771)
(2,267)
(20,282)
(8,670)
(23,448)
75
(18,061)
2,114
(20,205)
(1,569)
BalanceSheet_IFRS9_Bankit
Consolidated balance sheet (Bank of Italy's Circular n. 262/2005)
RESTATED IAS 40
Assets
30.06.2021
31.03.2021
31.12.2020
31.12.2020
30.09.2020
30.06.2020
31.03.2020
31.12.2019
30.09.2019
30.06.2019
31.03.2019
31.12.2018
30.09.2018
30.06.2018
31.03.2018
01.01.2018 IFRS9 FTA
31.12.2017 reclassified
10.
Cash and cash equivalents
664,507
589,022
482,192
482,192
464,244
460,927
402,042
566,924
493,538
395,525
363,073
459,782
392,189
353,774
337,394
420,299
420,299
20.
Financial assets measured at fair value through profit or loss
1,172,039
1,311,582
1,198,601
1,198,601
1,112,157
1,099,178
1,069,556
1,120,111
1,149,223
1,047,721
1,045,996
1,128,625
1,413,653
1,421,443
1,246,041
1,293,082
1,326,601
a) financial assets held for trading
317,324
331,893
279,009
279,009
257,216
236,699
244,181
270,374
328,291
270,204
248,886
247,219
287,687
350,388
411,047
425,424
425,424
b) financial assets designated at fair value
125,822
124,643
127,368
127,368
126,045
128,690
127,032
130,955
131,594
219,702
217,361
218,662
216,810
221,625
224,689
223,192
223,192
c) other financial assets mandatorily measured at fair value
728,893
855,046
792,224
792,224
728,896
733,789
698,343
718,782
689,338
557,815
579,749
662,744
909,156
849,430
610,305
644,466
677,985
30.
Financial assets measured at fair value through other comprehensive income
6,463,827
6,332,524
6,269,818
6,269,818
6,322,985
6,451,484
6,509,863
6,556,202
6,911,141
7,808,130
8,253,832
8,563,992
9,026,242
9,295,682
9,864,136
13,550,694
13,398,757
40.
Financial assets measured at amortised cost
120,120,146
114,813,605
79,991,505
79,991,505
75,710,690
72,623,513
67,162,227
65,541,246
66,961,934
57,461,564
56,755,813
56,054,342
55,863,032
54,563,163
52,937,506
50,427,717
51,561,587
a) loans to banks
29,858,919
25,879,275
14,352,731
14,352,731
11,346,389
9,079,123
7,131,752
5,066,379
6,363,946
5,001,079
4,286,323
3,306,678
5,520,689
4,221,694
4,232,336
3,196,912
3,205,849
b) loans to customers
90,261,227
88,934,330
65,638,774
65,638,774
64,364,301
63,544,390
60,030,475
60,474,867
60,597,988
52,460,485
52,469,490
52,747,664
50,342,343
50,341,469
48,705,170
47,230,804
48,355,737
50.
Hedging derivatives
121,425
127,721
57,776
57,776
49,631
49,653
53,100
82,185
65,401
53,567
33,816
35,564
57,469
50,066
51,075
54,061
54,061
60.
Fair value changes of the hedged items in portfolio, hedge of interest rate risk (+/-)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
70.
Equity investments
228,451
230,247
225,558
225,558
220,254
218,480
225,358
225,869
251,613
453,046
450,000
446,049
444,844
448,990
456,075
454,367
454,367
80.
Technical reserves charged to reinsurers
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
90.
Property, plant and equipment
2,063,260
1,882,586
1,365,705
1,351,480
1,344,461
1,346,093
1,366,608
1,368,696
1,356,757
1,261,800
1,270,023
1,063,273
1,051,767
1,056,260
1,057,326
1,063,483
1,063,483
100.
Intangible assets
473,051
465,852
702,723
702,723
660,733
657,953
660,791
669,847
612,235
431,922
438,265
445,689
495,059
497,340
499,403
506,627
506,627
of which:
- goodwill
204,392
204,392
434,758
434,758
434,758
434,758
434,758
434,758
434,758
264,740
264,740
264,740
327,084
327,084
327,084
327,084
327,084
110.
Tax assets
1,734,135
1,821,199
1,821,199
2,007,073
1,925,563
2,047,161
1,965,794
2,024,579
1,960,020
1,868,566
1,795,587
1,885,616
1,746,815
1,734,961
1,742,211
1,845,611
1,848,127
a) current
277,732
338,967
418,174
418,174
332,827
439,769
361,964
466,312
390,182
458,612
384,245
457,838
370,396
454,139
476,721
575,441
575,441
b) deferred
1,456,403
1,482,232
1,584,866
1,588,899
1,592,736
1,607,392
1,603,830
1,558,267
1,569,838
1,409,954
1,411,342
1,427,778
1,376,419
1,280,822
1,265,490
1,270,170
1,272,686
120.
Non current assets and disposal groups classified as held for sale
99,527
99,425
99,467
98,714
97,691
96,124
94,149
97,142
5,346
5,288
5,298
2,800
-
-
-
-
-
130.
Other assets
1,661,255
1,325,136
665,398
665,398
709,580
884,981
589,828
780,697
928,218
795,539
685,706
549,035
730,807
875,056
747,027
704,899
704,899
Total assets
134,801,623
128,998,899
93,061,783
93,050,838
88,617,989
85,935,547
80,099,316
79,033,498
80,695,426
71,582,668
71,097,409
70,634,767
71,221,877
70,296,735
68,938,194
70,320,839
71,338,807
Liabilities and shareholders' equity
30.06.2021
31.03.2021
31.12.2020
31.12.2020
30.09.2020
30.06.2020
31.03.2020
31.12.2019
30.09.2019
30.06.2019
31.03.2019
31.12.2018
30.09.2018
30.06.2018
31.03.2018
01.01.2018
31.12.2017 reclassified
10.
Financial liabilities measured at amortised cost
121,052,368
116,558,126
83,177,191
83,177,191
78,830,382
76,278,205
71,100,285
70,135,262
70,520,235
63,533,803
63,655,143
63,122,667
63,914,611
62,502,252
61,545,420
63,231,158
63,230,643
a) due to banks
22,710,245
22,258,572
20,180,999
20,180,999
19,188,980
16,600,757
14,092,713
12,213,133
12,353,388
12,504,749
13,033,898
13,126,248
12,730,558
12,622,968
12,626,209
12,984,226
12,984,226
b) due to customers
93,612,623
89,229,714
58,314,002
58,314,002
55,006,699
54,320,207
51,572,044
52,087,240
51,769,432
45,465,848
44,796,953
44,594,863
44,387,688
43,291,051
41,900,213
42,694,078
42,694,078
c) debt securities issued
4,729,500
5,069,840
4,682,190
4,682,190
4,634,703
5,357,241
5,435,528
5,834,889
6,397,415
5,563,206
5,824,292
5,401,556
6,796,365
6,588,233
7,018,998
7,552,854
7,552,339
20.
Financial liabilities held for trading
138,979
147,324
170,094
170,094
167,410
166,835
164,498
165,970
247,347
220,086
167,982
143,824
150,490
241,013
315,365
170,046
170,046
30.
Financial liabilities designated at Fair Value
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
40.
Hedging derivatives
327,519
344,047
469,240
469,240
459,681
444,191
396,146
294,114
419,671
306,649
206,666
92,374
27,812
42,918
18,898
23,795
23,795
50.
Fair value changes of the hedged items in portfolio hedge of interest rate risk (+/-)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
60.
Tax liabilities
197,530
182,836
82,318
74,748
65,112
68,487
73,586
75,737
89,467
65,674
64,473
62,644
85,569
90,764
109,027
157,257
106,218
a) current
116,092
97,569
4,797
4,797
6,838
13,973
14,359
5,405
29,538
6,527
5,118
3,966
4,356
3,724
3,360
2,636
2,258
b) deferred
81,438
85,267
77,521
69,951
58,274
54,514
59,227
70,332
59,929
59,147
59,355
58,678
81,213
87,040
105,667
154,620
103,960
70.
Liabilities included in disposal groups classified as held for sale
161,932
142,631
144,809
144,809
139,340
137,964
129,457
134,077
-
-
-
-
-
-
-
-
-
80.
Other liabilities
5,218,004
3,933,593
1,945,822
1,945,822
2,733,573
2,695,270
2,217,257
2,069,511
3,234,769
1,840,166
1,365,264
1,663,946
1,470,229
1,963,775
1,394,494
1,416,660
1,416,660
90.
Employee termination indemnities
204,951
207,285
148,199
148,199
160,321
168,658
181,299
191,120
200,512
188,527
186,978
182,793
185,527
186,444
186,370
187,536
187,536
100.
Provisions for risks and charges
625,636
653,906
589,981
589,981
608,780
620,952
652,981
676,160
551,033
478,039
489,430
469,951
531,535
531,616
533,904
501,518
487,178
a) commitments and guarantees granted
82,233
80,571
62,334
62,334
55,290
57,466
54,768
55,995
58,206
62,126
61,942
63,059
64,013
67,420
82,769
61,133
46,793
b) pensions and similar obligations
141,528
139,502
148,357
148,357
154,740
153,181
150,493
161,619
169,465
163,255
156,633
131,126
128,720
132,104
135,920
137,148
137,148
c) other provisions for risks and charges
401,875
433,833
379,290
379,290
398,750
410,305
447,720
458,546
323,362
252,658
270,855
275,766
338,802
332,092
315,215
303,237
303,237
110.
Insurance reserves
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
120.
Valuation reserves
234,009
240,535
118,105
118,105
53,367
(2,322)
(71,110)
37,750
(39,838)
15,130
14,199
949
34,557
60,974
140,229
204,423
75,089
121
of which discontinued operations
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
130.
Redeemable shares
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
140.
Equity instruments
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
-
-
-
-
-
-
-
150.
Reserves
2,508,116
2,563,320
2,360,743
2,348,691
2,351,088
2,405,839
2,405,697
2,035,205
2,088,106
1,961,433
2,022,397
1,619,469
1,622,226
1,527,996
1,582,852
1,433,444
2,445,454
155
of which interim dividends
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
160.
Share premium reserve
1,240,871
1,241,197
1,241,197
1,241,197
1,002,722
1,002,722
1,002,722
1,002,722
999,373
930,073
930,073
930,073
930,073
930,073
930,073
930,073
930,073
170.
Share capital
2,100,435
2,100,435
2,100,435
2,100,435
1,565,596
1,561,884
1,561,884
1,561,884
1,542,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
180.
Treasury shares (-)
(6,889)
(7,259)
(7,259)
(7,259)
(7,259)
(7,259)
(7,259)
(7,259)
(7,259)
(7,258)
(7,258)
(7,258)
(7,258)
(7,258)
(7,258)
(7,258)
(7,258)
190.
Minority interests (+/-)
146,354
140,657
133,983
133,935
137,257
139,442
135,791
131,662
176,160
505,929
510,166
507,457
474,455
474,358
493,872
451,825
653,010
200.
Profit (Loss) for the year pertaining to the Parent Company (+/-)
501,808
400,266
236,925
245,650
200,619
104,679
6,082
379,583
522,925
100,492
47,971
401,953
358,126
307,885
251,023
176,438
176,438
Total liabilities and shareholders' equity
134,801,623
128,998,899
93,061,783
93,050,838
88,617,989
85,935,547
80,099,316
79,033,498
80,695,426
71,582,668
71,097,409
70,634,767
71,221,877
70,296,735
68,938,194
70,320,839
71,338,807
Comparable figures at 31 December 2020 have been restated to show the effects of the retrospective application of change in accounting method used to measure property, plant and equipment held for investment.
P&L_Ifrs9_Bankit
Consolidated income statement (Bank of Italy's Circular n. 262/2005)
RESTATED IAS 40
Voci
30.06.2021
31.03.2021
30.06.2020
31.03.2020
31.12.2020
4th quarter 2020
30.09.2020
3rd quarter 2020
30.06.2020
2nd quarter 2020
31.03.2020
31.12.2019
4th quarter 2019
30.09.2019
3rd quarter 2019
30.06.2019
2nd quarter 2019
31.03.2019
31.12.2018
4rd quarter 2018
30.09.2018
3rd quarter 2018
30.06.2018
2nd quarter 2018
31.03.2018
10.
Interest and similar income
850,808
398,172
716,346
359,864
1,431,109
344,949
1,086,160
369,814
716,346
356,482
359,864
1,419,767
362,123
1,057,644
396,211
661,433
330,559
330,874
1,375,925
305,070
1,070,855
367,035
703,820
345,247
358,573
20.
Interest and similar expense
(122,486)
(54,659)
(98,095)
(51,893)
(192,233)
(49,816)
(142,417)
(44,322)
(98,095)
(46,202)
(51,893)
(255,228)
(59,677)
(195,551)
(80,302)
(115,249)
(58,271)
(56,978)
(253,488)
(32,725)
(220,763)
(90,445)
(130,318)
(64,979)
(65,339)
30.
Net interest income
728,322
343,513
618,251
307,971
1,238,876
295,133
943,743
325,492
618,251
310,280
307,971
1,164,539
302,446
862,093
315,909
546,184
272,288
273,896
1,122,437
272,345
850,092
276,590
573,502
280,268
293,234
40.
Commission income
832,445
375,117
596,441
309,431
1,246,875
344,505
902,370
305,929
596,441
287,010
309,431
1,043,000
322,921
720,079
313,964
406,115
204,642
201,473
812,147
208,495
603,652
196,944
406,708
200,061
206,647
50.
Commission expense
(98,487)
(46,985)
(83,744)
(41,836)
(174,361)
(46,815)
(127,546)
(43,802)
(83,744)
(41,908)
(41,836)
(111,050)
(47,041)
(64,009)
(45,648)
(18,361)
(9,432)
(8,929)
(35,882)
(9,311)
(26,571)
(8,919)
(17,652)
(9,125)
(8,527)
60.
Net commission income
733,958
328,132
512,697
267,595
1,072,514
297,690
774,824
262,127
512,697
245,102
267,595
931,950
275,880
656,070
268,316
387,754
195,210
192,544
776,265
199,184
577,081
188,025
389,056
190,936
198,120
70.
Dividends and similar income
13,947
1,678
12,843
809
18,492
1,099
17,393
4,550
12,843
12,034
809
14,101
451
13,650
3,424
10,226
9,687
539
34,339
20,553
13,786
325
13,461
12,877
584
80.
Net income from trading activities
37,951
28,097
(16,385)
(21,287)
(14,220)
1,576
(15,796)
589
(16,385)
4,902
(21,287)
180
23,734
(23,554)
(5,558)
(17,996)
(21,748)
3,752
1,812
(23,405)
25,217
8,735
16,482
17,328
(846)
90.
Net income from hedging activities
(1,221)
(1,172)
(5,012)
(8,567)
(653)
1,869
(2,522)
2,490
(5,012)
3,555
(8,567)
(1,546)
2,632
(4,178)
(2,742)
(1,436)
10
(1,446)
1,621
(371)
1,992
(418)
2,410
1,961
449
100.
Gains (Losses) on disposal or repurchase of:
47,648
40,583
96,054
69,327
141,182
5,123
136,059
40,005
96,054
26,727
69,327
116,600
6,395
110,205
59,122
51,083
31,968
19,115
91,925
(60,884)
152,809
4,831
147,978
4,073
143,905
a) financial assets measured at amortised cost
38,415
35,867
90,656
68,468
130,513
3,251
127,262
36,606
90,656
22,188
68,468
38,710
(748)
39,458
13,722
25,736
13,356
12,380
(77,645)
(65,730)
(11,915)
(468)
(11,447)
(8,780)
(2,667)
b) financial assets measured at fair value through other comprehensive income
9,676
5,108
4,542
715
10,356
2,008
8,348
3,806
4,542
3,827
715
77,664
7,353
70,311
45,331
24,980
18,458
6,522
168,662
4,210
164,452
5,197
159,255
12,787
146,468
c) financial liabilities
(443)
(392)
856
144
313
(136)
449
(407)
856
712
144
226
(210)
436
69
367
154
213
908
636
272
102
170
66
104
110.
Net income on financial assets and liabilities measured at fair value through profit or loss
35,334
8,733
(22,183)
(33,831)
11,856
34,008
(22,152)
31
(22,183)
11,648
(33,831)
(1,241)
4,046
(5,287)
(1,101)
(4,186)
(4,827)
641
8,664
(2,262)
10,926
7,731
3,195
(6,931)
10,126
a) financial assets and liabilities designated at fair value
771
459
(3,866)
(4,673)
(3,683)
483
(4,166)
(300)
(3,866)
807
(4,673)
(8,436)
(1,471)
(6,965)
(8,567)
1,602
1,029
573
(4,378)
632
(5,010)
(2,067)
(2,943)
(4,152)
1,209
b) other financial assets mandatorily measured at fair value
34,563
8,274
(18,317)
(29,158)
15,539
33,525
(17,986)
331
(18,317)
10,841
(29,158)
7,195
5,517
1,678
7,466
(5,788)
(5,856)
68
13,042
(2,894)
15,936
9,798
6,138
(2,779)
8,917
120.
Net interest and other banking income
1,595,939
749,564
1,196,265
582,017
2,468,047
636,498
1,831,549
635,284
1,196,265
614,248
582,017
2,224,583
615,584
1,608,999
637,370
971,629
482,588
489,041
2,037,063
405,160
1,631,903
485,819
1,146,084
500,512
645,572
130.
Net impairment losses for credit risk relating to:
(574,609)
(418,231)
(298,180)
(139,448)
(542,239)
(136,552)
(405,687)
(107,507)
(298,180)
(158,732)
(139,448)
(446,291)
(138,852)
(307,439)
(160,432)
(147,007)
(74,943)
(72,064)
(223,706)
(70,554)
(153,152)
(70,122)
(83,030)
(58,652)
(24,378)
a) financial assets measured at amortised cost
(576,295)
(419,004)
(297,322)
(139,553)
(541,877)
(136,685)
(405,192)
(107,870)
(297,322)
(157,769)
(139,553)
(447,547)
(139,526)
(308,021)
(160,985)
(147,036)
(74,551)
(72,485)
(225,772)
(70,566)
(155,206)
(70,272)
(84,934)
(58,793)
(26,141)
b) financial assets measured at fair value through other comprehensive income
1,686
773
(858)
105
(362)
133
(495)
363
(858)
(963)
105
1,256
674
582
553
29
(392)
421
2,066
12
2,054
150
1,904
141
1,763
140.
Gains (Losses) from contractual modifications without derecognition
(1,779)
(602)
(442)
(195)
(2,141)
(1,517)
(624)
(182)
(442)
(247)
(195)
(2,979)
(1,361)
(1,618)
(651)
(967)
(76)
(891)
(2,956)
(237)
(2,719)
(1,536)
(1,183)
(1,183)
-
150.
Net income from financial activities
1,019,551
330,731
897,643
442,374
1,923,667
498,429
1,425,238
527,595
897,643
455,269
442,374
1,775,313
475,371
1,299,942
476,287
823,655
407,569
416,086
1,810,401
334,369
1,476,032
414,161
1,061,871
440,677
621,194
160
Net premium earned
-
-
-
-
-
624
(624)
(624)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
170
Net other operating income/charges from insurance activities
-
-
-
-
-
(1,425,238)
1,425,238
1,425,238
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
180.
Net profit from financial and insurance activities
1,019,551
330,731
897,643
442,374
1,923,667
498,429
1,425,238
527,595
897,643
455,269
442,374
1,775,313
475,371
1,299,942
476,287
823,655
407,569
416,086
1,810,401
334,369
1,476,032
414,161
1,061,871
440,677
621,194
190.
Administrative expenses:
(1,163,601)
(577,775)
(838,863)
(436,137)
(1,687,910)
(446,877)
(1,241,033)
(402,170)
(838,863)
(402,726)
(436,137)
(1,699,466)
(577,968)
(1,121,498)
(411,254)
(710,244)
(350,753)
(359,491)
(1,442,264)
(363,314)
(1,078,950)
(353,846)
(725,104)
(363,180)
(361,924)
a) staff costs
(657,203)
(302,142)
(504,664)
(255,576)
(960,719)
(239,417)
(721,302)
(216,638)
(504,664)
(249,088)
(255,576)
(1,049,686)
(392,010)
(657,676)
(230,936)
(426,740)
(213,109)
(213,631)
(821,494)
(206,507)
(614,987)
(194,553)
(420,434)
(212,900)
(207,534)
b) other administrative expenses
(506,398)
(275,633)
(334,199)
(180,561)
(727,191)
(207,460)
(519,731)
(185,532)
(334,199)
(153,638)
(180,561)
(649,780)
(185,958)
(463,822)
(180,318)
(283,504)
(137,644)
(145,860)
(620,770)
(156,807)
(463,963)
(159,293)
(304,670)
(150,280)
(154,390)
200.
Net provisions for risks and charges
(30,663)
(21,071)
(3,449)
2,276
(21,029)
(2,471)
(18,558)
(15,109)
(3,449)
(5,725)
2,276
(12,193)
(2,991)
(9,202)
2,491
(11,693)
(9,698)
(1,995)
(7,794)
41,336
(49,130)
(12,091)
(37,039)
(25,376)
(11,663)
a) commitments and guarantees granted
(2,744)
(1,082)
(1,459)
1,017
(6,329)
(7,034)
705
2,164
(1,459)
(2,476)
1,017
9,032
2,195
6,837
5,904
933
(184)
1,117
16,197
(2,646)
18,843
6,920
11,923
(2,041)
13,964
b) other net provisions
(27,919)
(19,989)
(1,990)
1,259
(14,700)
4,563
(19,263)
(17,273)
(1,990)
(3,249)
1,259
(21,225)
(5,186)
(16,039)
(3,413)
(12,626)
(9,514)
(3,112)
(23,991)
43,982
(67,973)
(19,011)
(48,962)
(23,335)
(25,627)
210.
Net adjustments to property, plant and equipment
(67,921)
(34,082)
(52,465)
(26,000)
(118,816)
(34,724)
(84,092)
(27,972)
(56,120)
(29,068)
(27,052)
(125,524)
(55,875)
(69,649)
(26,531)
(43,118)
(22,504)
(20,614)
(70,405)
(26,505)
(43,900)
(10,546)
(33,354)
(23,226)
(10,128)
220.
Net adjustments to intangible assets
(39,043)
(20,372)
(28,888)
(13,905)
(59,702)
(15,791)
(43,911)
(15,023)
(28,888)
(14,983)
(13,905)
(59,552)
(20,460)
(39,092)
(13,658)
(25,434)
(12,876)
(12,558)
(48,534)
(13,176)
(35,358)
(12,387)
(22,971)
(11,760)
(11,211)
230.
Other operating expense/income
95,599
42,974
81,452
48,644
169,491
45,496
123,995
42,543
81,452
32,808
48,644
188,348
53,526
134,822
55,835
78,987
40,904
38,083
152,823
27,192
125,631
42,520
83,111
39,803
43,308
240.
Operating costs
(1,205,629)
(610,326)
(842,213)
(425,122)
(1,717,966)
(454,367)
(1,263,599)
(417,731)
(845,868)
(419,694)
(426,174)
(1,708,387)
(603,768)
(1,104,619)
(393,117)
(711,502)
(354,927)
(356,575)
(1,416,174)
(334,467)
(1,081,707)
(346,350)
(735,357)
(383,739)
(351,618)
250.
Gains (Losses) of equity investments
515
2,280
(5,537)
34
(2,945)
1,578
(4,523)
1,014
(5,537)
(5,571)
34
7,213
(3,326)
10,539
2,201
8,338
4,574
3,764
13,349
4,543
8,806
3,467
5,339
2,569
2,770
260.
Gains and losses on tangible and intangible assets measured at fair value
(23,711)
(22,641)
(4,618)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
270.
Impairment losses on goodwill
(230,366)
(230,366)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
(62,344)
(62,344)
-
-
-
-
-
275.
Gain on a bargain purchase
1,149,922
1,077,869
-
-
-
-
-
-
-
-
-
343,361
(10,444)
353,805
353,805
280.
Gains (Losses) on disposal investments
278
72
68
30
866
363
503
126
377
90
287
(602)
1,127
(1,729)
(1,786)
57
12
45
294
147
147
68
79
22
57
290.
Profit (Loss) from current operations before tax
710,560
547,619
45,343
17,316
203,622
46,003
157,619
111,004
46,615
30,094
16,521
416,898
(141,040)
557,938
437,390
120,548
57,228
63,320
345,526
(57,752)
403,278
71,346
331,932
59,529
272,403
300.
Income taxes on current operations
(191,732)
(140,830)
68,021
(6,582)
67,045
4,683
62,362
(6,585)
68,947
75,066
(6,119)
(22,446)
(2,501)
(19,945)
(8,666)
(11,279)
987
(12,266)
100,264
124,238
(23,974)
(14,206)
(9,768)
(2,850)
(6,918)
310.
Profit (Loss) from current operations after tax
518,828
406,789
113,364
10,734
270,667
50,686
219,981
104,419
115,562
105,160
10,402
394,452
(143,541)
537,993
428,724
109,269
58,215
51,054
445,790
66,486
379,304
57,140
322,164
56,679
265,485
320.
Profit (Loss) of operating activities extended to net of taxes
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
330.
Profit (Loss) for the period (+/-)
518,828
406,789
113,364
10,734
270,667
50,686
219,981
104,419
115,562
105,160
10,402
394,452
(143,541)
537,993
428,724
109,269
58,215
51,054
445,790
66,486
379,304
57,140
322,164
56,679
265,485
340.
Profit (Loss) for the period pertaining to minority interests
(17,020)
(6,523)
(10,868)
(4,325)
(25,017)
(5,655)
(19,362)
(8,479)
(10,883)
(6,563)
(4,320)
(14,869)
199
(15,068)
(6,291)
(8,777)
(5,694)
(3,083)
(43,837)
(22,659)
(21,178)
(6,899)
(14,279)
183
(14,462)
350.
Profit (Loss) for the period pertaining to the Parent Company
501,808
400,266
102,496
6,409
245,650
45,031
200,619
95,940
104,679
98,597
6,082
379,583
(143,342)
522,925
422,433
100,492
52,521
47,971
401,953
43,827
358,126
50,241
307,885
56,862
251,023
Comparable figures at 31 March 2020 and 30 June 2020 have been restated to show the effects of the retrospective application of change in accounting method used to measure property, plant and equipment held for investment.
P&L proforma_ias39
Reclassified consolidated income statement pro-forma
(in thousand of Euro)
Voci
31.12.2018
pro-forma
31.12.2018 pro-forma
31.12.2018
Change pro-forma (Abs)
Change pro-forma (%)
10+20
Net interest income
1,122,437
(76,367)
1,046,070
1,124,479
(78,409)
-6.97
40+50
Net commission income
776,265
-
776,265
740,628
35,637
4.81
70
Dividends
34,339
-
34,339
12,416
21,923
176.57
80+90+100+110
Net trading income
104,022
-
104,022
103,134
888
0.86
230
Other operating charges/income
44,209
-
44,209
58,190
(13,981)
-24.03
Operating income
2,081,272
(76,367)
2,004,905
2,038,847
(33,942)
-1.66
190 a)
Payroll
(821,494)
-
(821,494)
(783,478)
(38,016)
4.85
190 b)
Other administrative costs
(442,431)
-
(442,431)
(425,611)
(16,820)
3.95
210+220
Net adjustments to property, plant and equipment and intangible assets
(118,939)
-
(118,939)
(87,429)
(31,510)
36.04
Operating costs
(1,382,864)
-
(1,382,864)
(1,296,518)
(86,346)
6.66
Net operating income
698,408
(76,367)
622,041
742,329
(120,288)
-16.20
130 a)
Net impairment adjustments to financial assets at amortised cost
(225,772)
73,411
(152,361)
(535,975)
383,614
-71.57
130 b)
Net impairment adjustments fo finacial assets at fair value
2,066
-
2,066
(104,628)
106,694
-101.97
Net impairment adjustments to other financial assets
-
16,197
16,197
(15,313)
31,510
-205.77
140)
Profit/loss from contract changes without derecognition
(2,956)
2,956
-
-
-
n.s.
Net impairment adjustments tocredit risk
(226,662)
92,564
(134,098)
(655,916)
521,818
-79.56
200
Net provisions for risks and charges
(25,194)
(16,197)
(41,391)
(30,578)
(10,813)
35.36
###
Contributions to SRF, DGS, IDGF - VS
(52,325)
-
(52,325)
(37,721)
(14,604)
38.72
250+270 +280
Gains (Losses) on disposal of investments and adjustments to goodwill
(48,701)
-
(48,701)
(9,886)
(38,815)
392.63
Negative goodwill
-
-
-
190,892
(190,892)
-100.00
290
Profit from current operations before tax
345,526
-
345,526
199,120
146,406
73.53
300
Income taxes on current operations
100,264
-
100,264
(22,238)
122,502
-550.87
310
Utile (perdita) dei gruppi di attività in via di dismissione al netto delle imposte
-
-
-
n.s.
330
Profit (loss) for the period
445,790
-
445,790
176,882
268,908
152.03
340
Profit (loss) for the period pertaining to minority interests
(43,837)
-
(43,837)
(444)
(43,393)
--
350
Profit (Loss) for the period pertaining to the Parent Company
401,953
-
401,953
176,438
225,515
127.82
P&L_proforma_By quarter
Reclassified consolidated income statement by quarter pro-forma
Voci
1st quarter 2018 pro-forma
2nd quarter 2018 pro-forma
3rd quarter 2018 pro-forma
4th quarter 2018 pro-forma
1st quarter 2017
2nd quarter 2017
3rd quarter 2017
4th quarter 2017
10+20
Net interest income
267,597
259,511
259,014
259,948
288,114
282,005
280,218
274,142
40+50
Net commission income
198,120
190,936
188,025
199,184
177,373
181,851
184,802
196,602
70
Dividends
584
12,877
325
20,553
312
10,812
507
785
80+90+100+110
Net trading income
153,634
16,431
20,879
(86,922)
24,664
25,869
20,489
32,112
230
Other operating charges/income
11,485
8,174
10,998
13,552
10,310
14,298
23,565
10,017
Operating income
631,420
487,929
479,241
406,315
500,773
514,835
509,581
513,658
190 a)
Payroll
(207,534)
(212,900)
(194,553)
(206,507)
(194,125)
(191,551)
(191,656)
(206,146)
190 b)
Other administrative costs
(102,285)
(109,981)
(104,323)
(125,842)
(96,628)
(104,864)
(107,465)
(116,654)
210+220
Net adjustments to property, plant and equipment and intangible assets
(21,339)
(34,986)
(22,933)
(39,681)
(18,685)
(22,012)
(20,653)
(26,079)
Operating costs
(331,158)
(357,867)
(321,809)
(372,030)
(309,438)
(318,427)
(319,774)
(348,879)
Net operating income
300,262
130,062
157,432
34,285
191,335
196,408
189,807
164,779
130 a)
Net impairment adjustments to financial assets at amortised cost
(504)
(39,219)
(54,232)
(58,406)
(133,573)
(189,659)
(89,722)
(123,021)
130 b)
Net impairment adjustments fo finacial assets at fair value
1,763
141
150
12
(17,381)
(54,236)
(29,383)
(3,628)
Net impairment adjustments to other financial assets
13,964
(2,041)
6,920
(2,646)
4,647
1,787
6,446
(28,193)
Net impairment adjustments to credit risk
15,223
(41,119)
(47,162)
(61,040)
(146,307)
(242,108)
(112,659)
(154,842)
200
Net provisions for risks and charges
(25,627)
(23,335)
(19,011)
26,582
(5,661)
(5,941)
(9,268)
(9,708)
###
Contributions to SRF, DGS, IDGF - VS
(20,282)
(8,670)
(23,448)
75
(18,061)
2,114
(20,205)
(1,569)
250+270 +280
Gains (Losses) on disposal of investments and adjustments to goodwill
2,827
2,591
3,535
(57,654)
3,705
2,843
4,885
(21,319)
285
Negative goodwill
-
-
-
-
-
130,722
-
60,170
290
Profit from current operations before tax
272,403
59,529
71,346
(57,752)
25,011
84,038
52,560
37,511
300
Income taxes on current operations
(6,918)
(2,850)
(14,206)
124,238
(7,743)
17,926
(23,696)
(8,725)
310
Utile (perdita) dei gruppi di attività in via di dismissione al netto delle imposte
-
-
-
-
330
Profit (loss) for the period
265,485
56,679
57,140
66,486
17,268
101,964
28,864
28,786
340
Profit (loss) for the period pertaining to minority interests
(14,462)
183
(6,899)
(22,659)
(2,710)
2,540
1,032
(1,306)
350
Profit (Loss) for the period pertaining to the Parent Company
251,023
56,862
50,241
43,827
14,558
104,504
29,896
27,480
Asset Quality
LOANS TO CUSTOMERS VALUED AT AMORTISED COST
Pro-forma data including the effects of the "Spring" securitisation of bad loans
(in thousands of Euro)
12/31/05
3/31/06
6/30/06
9/30/06
12/31/06
3/31/07
6/30/07
9/30/07
12/31/07
3/31/08
6/30/08
9/30/08
12/31/08
3/31/09
6/30/09
9/30/09
12/31/09
3/31/10
6/30/10
9/30/10
12/31/10
3/31/11
6/30/11
9/30/11
12/31/11
3/31/12
6/30/12
9/30/12
12/31/12
3/31/13
6/30/13
9/30/13
12/31/13
3/31/14
6/30/14
9/30/14
12/31/14
3/31/15
6/30/15
9/30/15
12/31/15
3/31/16
6/30/16
9/30/16
12/31/16
31/03/2017
6/30/17
9/30/17
12/31/07
31/12/2017 Reclassified
01/01/2018 FTA
31-Mar-18
30-Jun-18
30-Sep-18
31-Dec-18
31-Mar-19
30-Jun-19
30-Sep-19
31-Dec-19
31-Mar-20
30-Jun-20
30-Sep-20
31-Dec-20
31-Mar-21
30-Jun-21
Bad loans
gross
1,347,208
1,362,350
1,372,795
1,403,657
1,412,812
1,438,804
1,455,569
1,482,297
1,489,734
1,518,887
1,527,523
1,604,439
1,613,274
1,929,055
2,077,834
2,215,178
2,306,480
2,483,195
2,573,774
2,760,258
2,857,378
2,960,233
3,129,819
3,268,103
3,309,203
3,479,074
3,728,270
3,976,854
4,175,886
4,719,235
5,034,734
5,263,797
5,504,590
5,792,634
6,079,364
6,208,963
6,487,495
6,592,760
6,727,014
6,869,780
7,108,668
7,277,045
7,398,263
6,963,155
7,039,097
7,025,454
7,107,883
7,127,051
7,109,151
7,109,135
7,109,135
6,584,085
5,905,826
5,834,488
4,338,160
4,323,930
4,321,481
3,492,294
3,448,761
3,433,842
2,374,280
2,357,652
2,076,384
2,368,453
2,340,975
net
409,887
414,309
430,758
444,152
469,893
488,022
490,478
504,297
515,107
521,639
520,937
558,827
576,922
724,208
777,477
849,423
908,144
988,290
1,035,888
1,123,626
1,215,299
1,276,826
1,392,784
1,486,906
1,560,561
1,662,878
1,781,708
1,923,760
1,884,687
2,156,826
2,277,817
2,389,707
2,478,976
2,584,294
2,646,696
2,708,061
2,819,076
2,868,001
2,901,058
2,966,349
2,973,986
3,045,886
3,071,479
2,968,566
3,009,222
2,940,856
2,931,885
2,921,102
2,893,206
2,893,190
2,319,506
2,207,437
2,073,670
2,071,754
1,448,257
1,423,799
1,425,060
1,267,257
1,171,281
1,157,234
882,850
849,948
726,731
998,439
916,168
adjustments
937,321
948,041
942,037
959,505
942,919
950,782
965,091
978,000
974,627
997,248
1,006,586
1,045,612
1,036,352
1,204,847
1,300,357
1,365,755
1,398,336
1,494,905
1,537,886
1,636,632
1,642,079
1,683,407
1,737,035
1,781,197
1,748,642
1,816,196
1,946,562
2,053,094
2,291,199
2,562,409
2,756,917
2,874,090
3,025,614
3,208,340
3,432,668
3,500,902
3,668,419
3,724,759
3,825,956
3,903,431
4,134,682
4,231,159
4,326,784
3,994,589
4,029,875
4,084,598
4,175,998
4,205,949
4,215,945
4,215,945
4,789,629
4,376,648
3,832,156
3,762,734
2,889,903
2,900,131
2,896,421
2,225,037
2,277,480
2,276,608
1,491,430
1,507,704
1,349,653
1,370,014
1,424,807
direct writedowns
926,709
920,990
909,357
953,478
982,882
976,812
977,681
981,989
1,019,435
1,011,795
1,010,396
1,022,014
1,047,483
1,054,670
1,069,364
1,066,952
1,107,038
1,134,483
1,134,306
1,133,752
1,249,172
1,262,685
1,291,060
1,294,072
1,262,622
1,294,303
1,316,247
1,314,798
1,466,621
1,479,165
1,485,280
1,440,681
1,454,301
1,440,060
1,435,423
1,352,208
1,318,437
1,305,645
1,290,408
1,283,131
1,244,739
1,234,035
1,194,541
1,090,321
1,066,784
1,043,040
990,151
949,203
858,628
858,628
858,628
838,670
711,570
705,735
727,371
797,148
781,349
474,946
444,039
464,166
312,718
358,622
302,916
693,358
645,019
coverage ratio
69.58%
69.59%
68.62%
68.36%
66.74%
66.08%
66.30%
65.98%
65.42%
65.66%
65.90%
65.17%
64.24%
62.46%
62.58%
61.65%
60.63%
60.20%
59.75%
59.29%
57.47%
56.87%
55.50%
54.50%
52.84%
52.20%
52.21%
51.63%
54.87%
54.30%
54.76%
54.60%
54.97%
55.39%
56.46%
56.38%
56.55%
56.50%
56.87%
56.82%
58.16%
58.14%
58.48%
57.37%
57.25%
58.14%
58.75%
59.01%
59.30%
59.30%
67.37%
66.47%
64.89%
64.49%
66.62%
67.07%
67.02%
63.71%
66.04%
66.30%
62.82%
63.95%
65.00%
57.84%
60.86%
coverage ratio (with direct writedowns)
81.97%
81.86%
81.12%
81.16%
80.39%
79.80%
79.84%
79.54%
79.47%
79.39%
79.47%
78.72%
78.32%
75.73%
75.30%
74.12%
73.40%
72.68%
72.06%
71.14%
70.41%
69.76%
68.50%
67.41%
65.87%
65.16%
64.68%
63.65%
66.60%
65.20%
65.06%
64.36%
64.38%
64.27%
64.78%
64.18%
63.89%
63.69%
63.82%
63.62%
64.40%
64.21%
64.26%
63.14%
62.88%
63.55%
63.80%
63.83%
63.69%
63.69%
70.89%
70.26%
68.66%
68.32%
71.41%
72.20%
72.07%
68.06%
69.91%
70.31%
67.14%
68.71%
69.46%
67.39%
69.32%
Unlikely to pay loans (*)
gross
732,643
749,846
719,665
767,771
689,752
705,371
726,881
744,322
768,775
835,465
885,392
946,132
1,041,353
1,486,692
1,957,463
2,037,118
2,269,007
2,317,219
2,406,355
2,445,340
2,381,902
2,598,545
2,649,855
2,873,090
2,919,620
3,209,537
3,415,912
3,545,357
3,603,448
3,491,155
4,230,058
4,258,506
4,343,887
4,451,832
4,397,488
4,435,023
4,301,749
4,336,165
4,149,706
4,165,467
4,002,044
4,045,997
4,030,749
4,102,541
3,976,794
3,856,087
3,715,597
3,575,721
3,318,267
3,317,327
3,317,327
3,189,910
2,846,565
2,867,143
2,638,374
2,562,006
2,525,551
2,920,047
2,478,777
2,462,503
2,404,825
2,355,582
2,125,247
2,279,736
1,993,902
net
552,967
573,811
544,332
585,221
538,605
546,101
562,380
584,171
607,969
672,214
707,907
763,386
816,699
1,155,941
1,516,917
1,603,671
1,802,260
1,897,558
1,981,062
2,035,159
1,993,261
2,181,117
2,215,407
2,413,320
2,463,096
2,726,354
2,892,205
3,023,648
2,894,880
2,900,955
3,514,924
3,554,255
3,576,772
3,629,606
3,583,284
3,613,972
3,515,490
3,503,913
3,314,406
3,301,549
3,126,205
3,153,089
3,139,759
3,190,029
3,042,719
2,923,029
2,735,415
2,622,238
2,416,300
2,415,360
1,872,785
1,918,245
1,652,710
1,657,569
1,695,789
1,680,339
1,634,737
1,832,934
1,660,546
1,626,388
1,563,881
1,487,574
1,293,853
1,317,301
1,135,369
adjustments
179,676
176,035
175,333
182,550
151,147
159,270
164,501
160,151
160,806
163,251
177,485
182,746
224,654
330,751
440,546
433,447
466,747
419,661
425,293
410,181
388,641
417,428
434,448
459,770
456,524
483,183
523,707
521,709
708,568
590,200
715,134
704,251
767,115
822,226
814,204
821,051
786,259
832,252
835,300
863,918
875,839
892,908
890,990
912,512
934,075
933,058
980,182
953,483
901,967
901,967
1,444,542
1,271,665
1,193,855
1,209,574
942,585
881,667
890,814
1,087,113
818,231
836,115
840,944
868,008
831,394
962,435
858,533
coverage ratio
24.52%
23.48%
24.36%
23.78%
21.91%
22.58%
22.63%
21.52%
20.92%
19.54%
20.05%
19.32%
21.57%
22.25%
22.51%
21.28%
20.57%
18.11%
17.67%
16.77%
16.32%
16.06%
16.40%
16.00%
15.64%
15.05%
15.33%
14.72%
19.66%
16.91%
16.91%
16.54%
17.66%
18.47%
18.52%
18.51%
18.28%
19.19%
20.13%
20.74%
21.88%
22.07%
22.10%
22.24%
23.49%
24.20%
26.38%
26.67%
27.18%
27.19%
43.55%
39.87%
41.94%
42.19%
35.73%
34.41%
35.27%
37.23%
33.01%
33.95%
34.97%
36.85%
39.12%
42.22%
43.06%
Past due loans
gross
219,644
178,815
212,633
176,142
189,749
167,734
261,461
231,365
215,881
218,894
296,175
228,793
323,922
361,261
380,981
452,314
531,667
392,143
464,251
464,494
338,510
278,452
319,410
386,199
317,290
625,952
666,612
701,942
446,693
581,645
531,974
654,885
365,452
275,181
358,238
315,958
209,195
235,612
350,737
349,927
284,111
209,036
195,839
210,653
157,671
154,443
208,116
150,023
104,264
104,264
104,264
93,761
113,958
86,573
69,021
60,853
89,511
102,514
195,003
159,419
228,490
182,821
141,309
129,638
134,840
net
217,288
177,025
210,445
174,309
183,951
161,909
253,434
224,163
209,185
212,631
287,171
221,772
313,098
351,414
369,876
439,421
515,505
381,641
448,356
449,324
326,134
269,634
309,394
374,028
306,743
606,447
645,438
678,915
421,046
541,105
497,324
605,011
343,870
256,329
334,299
295,641
192,307
217,675
322,459
322,689
255,644
190,013
179,708
192,487
145,371
142,088
191,755
133,231
93,214
93,214
89,578
81,258
99,470
75,463
60,509
53,117
78,046
87,157
166,598
130,144
187,008
145,885
109,628
95,860
101,235
adjustments
2,356
1,790
2,188
1,833
5,798
5,825
8,027
7,202
6,696
6,263
9,004
7,021
10,824
9,847
11,105
12,893
16,162
10,502
15,895
15,170
12,376
8,818
10,016
12,171
10,547
19,505
21,174
23,027
25,647
40,540
34,650
49,874
21,582
18,852
23,939
20,317
16,888
17,937
28,278
27,238
28,467
19,023
16,131
18,166
12,300
12,355
16,361
16,792
11,050
11,050
14,686
12,503
14,488
11,110
8,512
7,736
11,465
15,357
28,405
29,275
41,482
36,936
31,681
33,778
33,605
coverage ratio
1.07%
1.00%
1.03%
1.04%
3.06%
3.47%
3.07%
3.11%
3.10%
2.86%
3.04%
3.07%
3.34%
2.73%
2.91%
2.85%
3.04%
2.68%
3.42%
3.27%
3.66%
3.17%
3.14%
3.15%
3.32%
3.12%
3.18%
3.28%
5.74%
6.97%
6.51%
7.62%
5.91%
6.85%
6.68%
6.43%
8.07%
7.61%
8.06%
7.78%
10.02%
9.10%
8.24%
8.62%
7.80%
8.00%
7.86%
11.19%
10.60%
10.60%
14.09%
13.33%
12.71%
12.83%
12.33%
12.71%
12.81%
14.98%
14.57%
18.36%
18.15%
20.20%
22.42%
26.06%
24.92%
TOTAL NON-PERFORMING EXPOSURES
gross
2,299,495
2,291,011
2,305,093
2,347,570
2,292,313
2,311,909
2,443,911
2,457,984
2,474,390
2,573,246
2,709,090
2,779,364
2,978,549
3,777,008
4,416,278
4,704,610
5,107,154
5,192,557
5,444,380
5,670,092
5,577,790
5,837,230
6,099,084
6,527,392
6,546,113
7,314,563
7,810,794
8,224,153
8,226,027
8,792,035
9,796,766
10,177,188
10,213,929
10,519,647
10,835,090
10,959,944
10,998,439
11,164,537
11,227,457
11,385,174
11,394,823
11,532,078
11,624,851
11,276,349
11,173,562
11,035,984
11,031,596
10,852,795
10,531,682
10,530,726
10,530,726
9,867,756
8,866,349
8,788,204
7,045,555
6,946,789
6,936,543
6,514,855
6,122,541
6,055,764
5,007,595
4,896,055
4,342,940
4,777,827
4,469,717
net
1,180,142
1,165,145
1,185,535
1,203,682
1,192,449
1,196,032
1,306,292
1,312,631
1,332,261
1,406,484
1,516,015
1,543,985
1,706,719
2,231,563
2,664,270
2,892,515
3,225,909
3,267,489
3,465,306
3,608,109
3,534,693
3,727,577
3,917,585
4,274,254
4,330,400
4,995,679
5,319,351
5,626,323
5,200,613
5,598,886
6,290,065
6,548,973
6,399,618
6,470,229
6,564,279
6,617,674
6,526,873
6,589,589
6,537,923
6,590,587
6,355,835
6,388,988
6,390,946
6,351,082
6,197,312
6,005,973
5,859,055
5,676,571
5,402,720
5,401,764
4,281,869
4,206,940
3,825,850
3,804,786
3,204,555
3,157,255
3,137,843
3,187,348
2,998,425
2,913,766
2,633,739
2,483,407
2,130,212
2,411,600
2,152,772
adjustments
1,119,353
1,125,866
1,119,558
1,143,888
1,099,864
1,115,877
1,137,619
1,145,353
1,142,129
1,166,762
1,193,075
1,235,379
1,271,830
1,545,445
1,752,008
1,812,095
1,881,245
1,925,068
1,979,074
2,061,983
2,043,097
2,109,653
2,181,499
2,253,138
2,215,713
2,318,884
2,491,443
2,597,830
3,025,414
3,193,149
3,506,701
3,628,215
3,814,311
4,049,418
4,270,811
4,342,270
4,471,566
4,574,948
4,689,534
4,794,587
5,038,988
5,143,090
5,233,905
4,925,267
4,976,250
5,030,011
5,172,541
5,176,224
5,128,962
5,128,962
6,248,857
5,660,816
5,040,499
4,983,418
3,841,000
3,789,534
3,798,700
3,327,507
3,124,116
3,141,998
2,373,856
2,412,648
2,212,728
2,366,227
2,316,945
direct writedowns
926,709
920,990
909,357
953,478
982,882
976,812
977,681
981,989
1,019,435
1,011,795
1,010,396
1,022,014
1,047,483
1,054,670
1,069,364
1,066,952
1,107,038
1,134,483
1,134,306
1,133,752
1,249,172
1,262,685
1,291,060
1,294,072
1,262,622
1,294,303
1,316,247
1,314,798
1,466,621
1,479,165
1,485,280
1,440,681
1,454,301
1,440,060
1,435,423
1,352,208
1,318,437
1,305,645
1,290,408
1,283,131
1,244,739
1,234,035
1,194,541
1,090,321
1,066,784
1,043,040
990,151
949,203
858,628
858,628
858,628
838,670
711,570
705,735
727,371
797,148
781,349
474,946
444,039
464,166
312,718
358,622
302,916
693,358
645,019
coverage ratio
48.68%
49.14%
48.57%
48.73%
47.98%
48.27%
46.55%
46.60%
46.16%
45.34%
44.04%
44.45%
42.70%
40.92%
39.67%
38.52%
36.84%
37.07%
36.35%
36.37%
36.63%
36.14%
35.77%
34.52%
33.85%
31.70%
31.90%
31.59%
36.78%
36.32%
35.79%
35.65%
37.34%
38.49%
39.42%
39.62%
40.66%
40.98%
41.77%
42.11%
44.22%
44.60%
45.02%
43.68%
44.54%
45.58%
46.89%
47.69%
48.70%
48.70%
59.34%
57.37%
56.85%
56.71%
54.52%
54.55%
54.76%
51.08%
51.03%
51.88%
47.41%
49.28%
50.95%
49.53%
51.84%
coverage ratio (with direct writedowns)
63.42%
63.73%
63.12%
63.54%
63.59%
63.63%
61.82%
61.84%
61.87%
60.77%
59.24%
59.38%
57.61%
53.81%
51.43%
49.88%
48.09%
48.36%
47.33%
46.97%
48.22%
47.50%
46.99%
45.35%
44.54%
41.97%
41.72%
41.02%
46.34%
45.49%
44.25%
43.63%
45.15%
45.90%
46.50%
46.25%
47.01%
47.16%
47.77%
47.98%
49.71%
49.95%
50.15%
48.64%
49.37%
50.28%
51.26%
51.90%
52.57%
52.57%
62.40%
60.71%
60.06%
59.92%
58.77%
59.23%
59.34%
54.40%
54.34%
55.31%
50.50%
52.74%
54.15%
55.92%
57.91%
Performing exposures
gross
29,738,881
28,342,598
28,923,002
29,328,513
30,410,449
31,390,323
32,570,033
32,977,720
34,418,434
35,182,853
37,171,934
37,658,594
38,856,875
40,682,053
40,919,923
40,622,455
42,614,242
42,310,924
42,751,146
44,016,465
44,594,937
44,446,886
44,530,687
44,398,344
44,152,679
43,211,143
43,513,503
43,043,614
43,132,706
43,369,051
41,557,838
40,901,050
40,341,356
39,590,185
39,054,973
38,159,786
37,603,529
37,481,206
37,096,487
37,063,056
37,547,932
37,855,442
37,796,965
37,459,298
39,480,917
39,866,101
41,333,452
41,423,178
42,637,647
42,432,925
42,432,925
41,382,994
42,145,541
42,004,205
44,011,304
43,514,400
43,549,549
49,515,118
49,169,481
48,263,447
50,081,830
50,571,383
51,047,978
73,339,115
74,582,500
net
29,446,251
28,089,339
28,623,853
29,026,798
30,081,565
31,060,561
32,229,454
32,627,650
34,058,570
34,818,729
36,789,319
37,276,721
38,506,716
40,308,405
40,547,488
40,255,822
42,215,693
41,893,316
42,335,302
43,603,087
44,245,336
44,102,592
44,203,573
44,076,739
43,855,887
42,927,678
43,220,597
42,742,989
42,848,122
43,085,583
41,320,362
40,658,503
40,115,120
39,379,089
38,852,354
37,963,244
37,392,808
37,275,523
36,888,555
36,859,196
37,346,726
37,659,440
37,598,763
37,279,118
39,296,867
39,687,797
41,137,654
41,230,643
42,412,088
42,207,366
42,186,835
41,196,644
41,976,515
41,842,851
43,846,387
43,354,416
43,403,981
49,308,713
49,007,613
48,120,358
49,920,665
50,405,935
50,875,667
72,955,814
74,137,530
adjustments
292,630
253,259
299,149
301,715
328,884
329,762
340,579
350,070
359,864
364,124
382,615
381,873
350,159
373,648
372,435
366,633
398,549
417,608
415,844
413,378
349,601
344,294
327,114
321,605
296,792
283,465
292,906
300,625
284,584
283,468
237,476
242,547
226,236
211,096
202,619
196,542
210,721
205,683
207,932
203,860
201,206
196,002
198,202
180,180
184,050
178,304
195,798
192,535
225,559
225,559
246,090
186,350
169,031
161,354
164,917
159,984
145,568
206,405
161,868
143,089
161,165
165,448
172,311
383,301
444,970
coverage ratio
0.98%
0.89%
1.03%
1.03%
1.08%
1.05%
1.05%
1.06%
1.05%
1.03%
1.03%
1.01%
0.90%
0.92%
0.91%
0.90%
0.94%
0.99%
0.97%
0.94%
0.78%
0.77%
0.73%
0.72%
0.67%
0.66%
0.67%
0.70%
0.66%
0.65%
0.57%
0.59%
0.56%
0.53%
0.52%
0.52%
0.56%
0.55%
0.56%
0.55%
0.54%
0.52%
0.52%
0.48%
0.47%
0.45%
0.47%
0.46%
0.53%
0.53%
0.58%
0.45%
0.40%
0.38%
0.37%
0.37%
0.33%
0.42%
0.33%
0.30%
0.32%
0.33%
0.34%
0.52%
0.60%
TOTAL EXPOSURES
gross
32,038,376
30,633,609
31,228,095
31,676,083
32,702,762
33,702,232
35,013,944
35,435,704
36,892,824
37,756,099
39,881,024
40,437,958
41,835,424
44,459,061
45,336,201
45,327,065
47,721,396
47,503,481
48,195,526
49,686,557
50,172,727
50,284,116
50,629,771
50,925,736
50,698,792
50,525,706
51,324,297
51,267,767
51,358,733
52,161,086
51,354,604
51,078,238
50,555,285
50,109,832
49,890,063
49,119,730
48,601,968
48,645,743
48,323,944
48,448,230
48,942,755
49,387,520
49,421,816
48,735,647
50,654,479
50,902,085
52,365,048
52,275,973
53,169,329
52,963,651
52,963,651
51,250,750
51,011,890
50,792,409
51,056,859
50,461,189
50,486,092
56,029,973
55,292,022
54,319,211
55,089,425
55,467,438
55,390,918
78,116,942
79,052,217
net
30,626,393
29,254,484
29,809,388
30,230,480
31,274,014
32,256,593
33,535,746
33,940,281
35,390,831
36,225,213
38,305,334
38,820,706
40,213,435
42,539,968
43,211,758
43,148,337
45,441,602
45,160,805
45,800,608
47,211,196
47,780,029
47,830,169
48,121,158
48,350,993
48,186,287
47,923,357
48,539,948
48,369,312
48,048,735
48,684,469
47,610,427
47,207,476
46,514,738
45,849,318
45,416,633
44,580,918
43,919,681
43,865,112
43,426,478
43,449,783
43,702,561
44,048,428
43,989,709
43,630,200
45,494,179
45,693,770
46,996,709
46,907,214
47,814,808
47,609,130
46,468,704
45,403,584
45,802,365
45,647,637
47,050,942
46,511,671
46,541,824
52,496,061
52,006,038
51,034,124
52,554,404
52,889,342
53,005,879
75,367,414
76,290,302
adjustments
1,411,983
1,379,125
1,418,707
1,445,603
1,428,748
1,445,639
1,478,198
1,495,423
1,501,993
1,530,886
1,575,690
1,617,252
1,621,989
1,919,093
2,124,443
2,178,728
2,279,794
2,342,676
2,394,918
2,475,361
2,392,698
2,453,947
2,508,613
2,574,743
2,512,505
2,602,349
2,784,349
2,898,455
3,309,998
3,476,617
3,744,177
3,870,762
4,040,547
4,260,514
4,473,430
4,538,812
4,682,287
4,780,631
4,897,466
4,998,447
5,240,194
5,339,092
5,432,107
5,105,447
5,160,300
5,208,315
5,368,339
5,368,759
5,354,521
5,354,521
6,494,947
5,847,166
5,209,530
5,144,772
4,005,917
3,949,518
3,944,268
3,533,912
3,285,984
3,285,087
2,535,021
2,578,096
2,385,039
2,749,528
2,761,915
direct writedowns
926,709
920,990
909,357
953,478
982,882
976,812
977,681
981,989
1,019,435
1,011,795
1,010,396
1,022,014
1,047,483
1,054,670
1,069,364
1,066,952
1,107,038
1,134,483
1,134,306
1,133,752
1,249,172
1,262,685
1,291,060
1,294,072
1,262,622
1,294,303
1,316,247
1,314,798
1,466,621
1,479,165
1,485,280
1,440,681
1,454,301
1,440,060
1,435,423
1,352,208
1,318,437
1,305,645
1,290,408
1,283,131
1,244,739
1,234,035
1,194,541
1,090,321
1,066,784
1,043,040
990,151
949,203
858,628
858,628
858,628
838,670
711,570
705,735
727,371
797,148
781,349
474,946
444,039
464,166
312,718
358,622
302,916
693,358
645,019
coverage ratio
4.41%
4.50%
4.54%
4.56%
4.37%
4.29%
4.22%
4.22%
4.07%
4.05%
3.95%
4.00%
3.88%
4.32%
4.69%
4.81%
4.78%
4.93%
4.97%
4.98%
4.77%
4.88%
4.95%
5.06%
4.96%
5.15%
5.43%
5.65%
6.44%
6.67%
7.29%
7.58%
7.99%
8.50%
8.97%
9.24%
9.63%
9.83%
10.13%
10.32%
10.71%
10.81%
10.99%
10.48%
10.19%
10.23%
10.25%
10.27%
10.07%
10.11%
12.26%
11.41%
10.21%
10.13%
7.85%
7.83%
7.81%
6.31%
5.94%
6.05%
4.60%
4.65%
4.31%
3.52%
3.49%
coverage ratio (with direct writedowns)
7.09%
7.29%
7.24%
7.35%
7.16%
6.99%
6.82%
6.80%
6.65%
6.56%
6.32%
6.37%
6.23%
6.53%
6.88%
7.00%
6.94%
7.15%
7.15%
7.10%
7.08%
7.21%
7.32%
7.41%
7.27%
7.52%
7.79%
8.01%
9.04%
9.24%
9.90%
10.11%
10.57%
11.06%
11.51%
11.67%
12.02%
12.18%
12.47%
12.63%
12.92%
12.98%
13.09%
12.43%
12.04%
12.03%
11.92%
11.87%
11.50%
11.54%
13.66%
12.84%
11.45%
11.36%
9.14%
9.26%
9.22%
7.09%
6.69%
6.84%
5.14%
5.26%
4.83%
4.37%
4.27%
- 0
Caption 130 a): Net impaired adjustments to loans (only loans to customer)
94,085
10,099
47,513
80,685
129,372
23,515
64,376
98,186
140,819
36,107
96,539
147,517
204,314
102,077
309,382
406,261
581,376
103,885
192,922
263,100
377,939
75,088
175,719
259,787
344,055
98,725
289,608
419,478
958,393
161,628
439,759
591,383
781,585
211,820
416,792
580,088
812,734
147,504
297,741
424,897
705,799
114,167
276,102
400,680
619,750
133,573
323,232
412,954
535,975
535,975
535,975
26,141
82,688
152,775
222,315
71,328
145,960
305,369
444,818
139,991
293,837
400,361
534,605
417,667
576,896
Ratios:
-
credit cost (annualized)
0.31%
0.14%
0.32%
0.36%
0.41%
0.29%
0.38%
0.39%
0.40%
0.40%
0.50%
0.51%
0.51%
0.96%
1.43%
1.26%
1.28%
0.92%
0.84%
0.74%
0.79%
0.63%
0.73%
0.72%
0.71%
0.82%
1.19%
1.16%
1.99%
1.33%
1.85%
1.67%
1.68%
1.85%
1.84%
1.73%
1.85%
1.35%
1.37%
1.30%
1.62%
1.04%
1.26%
1.22%
1.36%
1.17%
1.38%
1.17%
1.12%
1.13%
1.15%
0.23%
0.36%
0.45%
0.47%
0.61%
0.63%
0.78%
0.86%
1.10%
1.12%
1.01%
1.01%
2.22%
1.51%
-
gross bad loans / gross loans to customers
4.20%
4.45%
4.40%
4.43%
4.32%
4.27%
4.16%
4.18%
4.04%
4.02%
3.83%
3.97%
3.86%
4.34%
4.58%
4.89%
4.83%
5.23%
5.34%
5.56%
5.70%
5.89%
6.18%
6.42%
6.53%
6.89%
7.26%
7.76%
8.13%
9.05%
9.80%
10.31%
10.89%
11.56%
12.19%
12.64%
13.35%
13.55%
13.92%
14.18%
14.52%
14.73%
14.97%
14.29%
13.90%
13.80%
13.57%
13.63%
13.37%
13.42%
13.42%
12.85%
11.58%
11.49%
8.50%
8.57%
8.56%
6.23%
6.24%
6.32%
4.31%
4.25%
3.75%
3.03%
2.96%
-
net bad loans / net loans to customers
1.34%
1.42%
1.45%
1.47%
1.50%
1.51%
1.46%
1.49%
1.46%
1.44%
1.36%
1.44%
1.43%
1.70%
1.80%
1.97%
2.00%
2.19%
2.26%
2.38%
2.54%
2.67%
2.89%
3.08%
3.24%
3.47%
3.67%
3.98%
3.92%
4.43%
4.78%
5.06%
5.33%
5.64%
5.83%
6.07%
6.42%
6.54%
6.68%
6.83%
6.81%
6.91%
6.98%
6.80%
6.61%
6.44%
6.24%
6.23%
6.05%
6.08%
4.99%
4.86%
4.53%
4.54%
3.08%
3.06%
3.06%
2.41%
2.25%
2.27%
1.68%
1.61%
1.37%
1.32%
1.20%
-
gross unlikely to pay loans / gross loans to customers
2.29%
2.45%
2.30%
2.42%
2.11%
2.09%
2.08%
2.10%
2.08%
2.21%
2.22%
2.34%
2.49%
3.34%
4.32%
4.49%
4.75%
4.88%
4.99%
4.92%
4.75%
5.17%
5.23%
5.64%
5.76%
6.35%
6.66%
6.92%
7.02%
6.69%
8.24%
8.34%
8.59%
8.88%
8.81%
9.03%
8.85%
8.91%
8.59%
8.60%
8.18%
8.19%
8.16%
8.42%
7.85%
7.58%
7.10%
6.84%
6.24%
6.26%
6.26%
6.22%
5.58%
5.64%
5.17%
5.08%
5.00%
5.21%
4.48%
4.53%
4.37%
4.25%
3.84%
2.92%
2.52%
-
net unlikely to pay loans / net loans to customers
1.81%
1.96%
1.83%
1.94%
1.72%
1.69%
1.68%
1.72%
1.72%
1.86%
1.85%
1.97%
2.03%
2.72%
3.51%
3.72%
3.97%
4.20%
4.33%
4.31%
4.17%
4.56%
4.60%
4.99%
5.11%
5.69%
5.96%
6.25%
6.02%
5.96%
7.38%
7.53%
7.69%
7.92%
7.89%
8.11%
8.00%
7.99%
7.63%
7.60%
7.15%
7.16%
7.14%
7.31%
6.69%
6.40%
5.82%
5.59%
5.05%
5.07%
4.03%
4.22%
3.61%
3.63%
3.60%
3.61%
3.51%
3.49%
3.19%
3.19%
2.98%
2.81%
2.44%
1.75%
1.49%
-
gross past due loans / gross loans to customers
0.69%
0.58%
0.68%
0.56%
0.58%
0.50%
0.75%
0.65%
0.59%
0.58%
0.74%
0.57%
0.77%
0.81%
0.84%
1.00%
1.11%
0.83%
0.96%
0.93%
0.67%
0.55%
0.63%
0.76%
0.63%
1.24%
1.30%
1.37%
0.87%
1.12%
1.04%
1.28%
0.72%
0.55%
0.72%
0.64%
0.43%
0.48%
0.73%
0.72%
0.58%
0.42%
0.40%
0.43%
0.31%
0.30%
0.40%
0.29%
0.20%
0.20%
0.20%
0.18%
0.22%
0.17%
0.14%
0.12%
0.18%
0.18%
0.32%
0.29%
0.41%
0.33%
0.26%
0.17%
0.17%
-
net past due loans / net loans to customers
0.71%
0.61%
0.71%
0.58%
0.59%
0.50%
0.76%
0.66%
0.59%
0.59%
0.75%
0.57%
0.78%
0.83%
0.86%
1.02%
1.13%
0.85%
0.98%
0.95%
0.68%
0.56%
0.64%
0.77%
0.64%
1.27%
1.33%
1.40%
0.88%
1.11%
1.04%
1.28%
0.74%
0.56%
0.74%
0.66%
0.44%
0.50%
0.74%
0.74%
0.58%
0.43%
0.41%
0.44%
0.32%
0.31%
0.41%
0.28%
0.19%
0.20%
0.19%
0.18%
0.22%
0.17%
0.13%
0.11%
0.17%
0.17%
0.35%
0.26%
0.36%
0.28%
0.21%
0.13%
0.13%
-
gross non-performing exposures / gross loans to customers
7.18%
7.48%
7.38%
7.41%
7.01%
6.86%
6.98%
6.94%
6.71%
6.82%
6.79%
6.87%
7.12%
8.50%
9.74%
10.38%
10.70%
10.93%
11.30%
11.41%
11.12%
11.61%
12.05%
12.82%
12.91%
14.48%
15.22%
16.04%
16.02%
16.86%
19.08%
19.92%
20.20%
20.99%
21.72%
22.31%
22.63%
22.95%
23.23%
23.50%
23.28%
23.35%
23.52%
23.14%
22.06%
21.68%
21.07%
20.76%
19.81%
19.88%
19.88%
19.25%
17.38%
17.30%
13.80%
13.77%
13.74%
11.63%
11.07%
11.15%
9.09%
8.83%
7.84%
6.12%
5.65%
-
net non-performing exposures / net loans to customers
3.85%
3.98%
3.98%
3.98%
3.81%
3.71%
3.90%
3.87%
3.76%
3.88%
3.96%
3.98%
4.24%
5.25%
6.17%
6.70%
7.10%
7.24%
7.57%
7.64%
7.40%
7.79%
8.14%
8.84%
8.99%
10.42%
10.96%
11.63%
10.82%
11.50%
13.21%
13.87%
13.76%
14.11%
14.45%
14.84%
14.86%
15.02%
15.06%
15.17%
14.54%
14.50%
14.53%
14.56%
13.62%
13.14%
12.47%
12.10%
11.30%
11.35%
9.21%
9.27%
8.35%
8.34%
6.81%
6.79%
6.74%
6.07%
5.77%
5.71%
5.01%
4.70%
4.02%
3.20%
2.82%
(*) With reference to the "Unlikely to pay" category introduced from 1 January 2015 by the new supervisory regulations (in particular Bank of Italy Circular no. 272 - 7th amendment dated 20 January 2015 and Bank of Italy Circular no. 262 - 4th update dated 15 December 2015), prior values to 2015 are shown as an aggregation of exposures classified as "Problem loans" and "Restructured loans".
Transitional IFRS9
Consolidated balance sheet reflecting the effects of the first-time application of IFRS 9
(in thousand of Euro)
Assets
31.12.2017
Impatto IFRS 9
01.01.2018
10.
Cash and balance with central banks
420,299
-
420,299
20.
Financial assets at fair value through profit or loss
1,326,601
(33,519)
1,293,082
a) Financial assets held for trading
414,294
-
414,294
b) Financial assets designated at fair value
223,192
-
223,192
c) Ohter financial assets mandatorily at fair value through profit or loss
689,115
(33,519)
655,596
30.
Financial assets at fair value through other comprehensive income
13,398,757
151,937
13,550,694
40.
Financial assets at amortised cost
51,561,586
(1,133,870)
50,427,716
a) Loans to banks
3,205,849
(8,937)
3,196,912
b) Loans to customers
48,355,737
(1,124,933)
47,230,804
50.
Hedging derivatives
54,061
-
54,061
60.
Adeguamento di valore delle attività finanziarie oggetto di copertura generica (+/-)
-
-
-
70.
Equity investments
454,367
-
454,367
80.
Riserve tecniche a carico dei riassicuratori
-
-
-
90.
Property, plant and equipment
1,063,483
-
1,063,483
100.
Intangible assets
506,627
-
506,627
of which:
- goodwill
327,084
-
327,084
110.
Tax assets
1,848,127
(2,516)
1,845,611
a) current
575,441
-
575,441
b) deferred
1,272,686
(2,516)
1,270,170
120.
Attività non correnti e gruppi di attività in via di dismissione
-
-
-
130.
Other assets
704,899
-
704,899
Total assets
71,338,807
(1,017,968)
70,320,839
(in thousand of Euro)
Liabilities and shareholders' equity
31.12.2017
Impatto IFRS 9
01.01.2018
10.
Financial liabilities at amortised cost
63,230,643
515
63,231,158
a) Due to banks
12,984,226
-
12,984,226
b) Due to customers
42,694,078
-
42,694,078
c) Debt securities in issue
7,552,339
515
7,552,854
20.
Financial liabilities held for trading
170,046
-
170,046
30.
Passività finanziarie designate al fair value
-
-
-
40.
Hedging derivatives
23,795
-
23,795
50.
Adeguamento di valore delle passività finanziarie oggetto di copertura generica (+/-)
-
-
-
60.
Tax liabilities:
106,218
51,038
157,257
a) current
2,258
377
2,636
b) deferred
103,960
50,661
154,620
80.
Other liabilities
1,416,660
-
1,416,660
90.
Provision for termination indemnities
187,536
-
187,536
100.
Provisions for risks and charges
487,178
14,340
501,518
a) Commitments and guarantees given
46,793
14,340
61,133
b) pensions and similar commitments
137,148
-
137,148
c) other provisions
303,237
-
303,237
120.
Valuation reserves
75,089
129,334
204,423
150.
Reserves
2,445,454
(1,012,010)
1,433,444
160.
Share premium reserve
930,073
-
930,073
170.
Share capital
1,443,925
-
1,443,925
180.
Treasury shares
(7,258)
-
(7,258)
190.
Minority interests
653,010
(201,185)
451,825
200.
Profit (loss) for the period pertaining to the Parent Company
176,438
-
176,438
Total liabilities and shareholders' equity
71,338,807
(1,017,968)
70,320,839
P&Lreclassified by quarter HIST
Consolidated reclassified income statement by quarter
(in thousands of Euro)
Captions
31.03.2017
2nd quarter 2017
30.06.2017
3rd quarter 2017
30.09.2017
4th quarter 2017
31.12.2017
31.03.2016
2nd quarter 2016
30.06.2016
3rd quarter 2016
30.09.2016
4th quarter 2016
31.12.2016
31.03.2015
2nd quarter 2015
30.06.2015
3rd quarter 2015
30.09.2015
4th quarter 2015
31.12.2015
31.03.2014
2nd quarter 2014
30.06.2014
3rd quarter 2014
30.09.2014
4th quarter 2014
31.12.2014
31.03.2013
2nd quarter 2013
30.06.2013
3rd quarter 2013
30.09.2013
4th quarter 2013
31.12.2013
10+20
Net interest income
288,114
282,005
570,119
280,218
850,337
274,142
1,124,479
296,800
293,576
590,376
285,728
876,104
294,343
1,170,447
314,095
308,370
622,465
302,036
924,501
303,040
1,227,541
329,820
328,639
658,459
320,040
978,499
313,310
1,291,809
311,115
326,081
637,196
326,987
964,183
325,806
1,289,989
40+50
Net commission income
177,373
181,851
359,224
184,802
544,026
196,602
740,628
177,083
181,035
358,118
174,803
532,921
179,801
712,722
179,203
180,650
359,853
177,844
537,697
188,996
726,693
171,450
174,028
345,478
169,012
514,490
176,174
690,664
171,289
175,522
346,811
172,675
519,486
178,772
698,258
70
Dividends
312
10,812
11,124
507
11,631
785
12,416
86
8,732
8,818
338
9,156
716
9,872
249
13,583
13,832
457
14,289
1,664
15,953
574
17,617
18,191
115
18,306
1,086
19,392
575
22,415
22,990
540
23,530
556
24,086
80+90+100+110
Net trading income
24,664
25,869
50,533
20,489
71,022
32,112
103,134
15,662
49,064
64,726
25,518
90,244
29,755
119,999
46,058
15,463
61,521
20,361
81,882
266,002
347,884
63,300
46,389
109,689
20,323
130,012
37,653
167,665
14,656
68,209
82,865
15,494
98,359
40,750
139,109
220 (*) (**)
Other operating charges/income
10,310
14,298
24,608
23,565
48,173
10,017
58,190
15,538
16,430
31,968
13,605
45,573
8,665
54,238
15,443
9,269
24,712
12,274
36,986
15,516
52,502
18,666
11,133
29,799
5,851
35,650
12,215
47,865
30,964
24,573
55,537
20,102
75,639
19,754
95,393
Operating income
500,773
514,835
1,015,608
509,581
1,525,189
513,658
2,038,847
505,169
548,837
1,054,006
499,992
1,553,998
513,280
2,067,278
555,048
527,335
1,082,383
512,972
1,595,355
775,218
2,370,573
583,810
577,806
1,161,616
515,341
1,676,957
540,438
2,217,395
528,599
616,800
1,145,399
535,798
1,681,197
565,638
2,246,835
180 a)
Payroll
(194,125)
(191,551)
(385,676)
(191,656)
(577,332)
(206,146)
(783,478)
(196,586)
(201,655)
(398,241)
(176,168)
(574,409)
(194,740)
(769,149)
(199,322)
(196,883)
(396,205)
(232,374)
(628,579)
(196,474)
(825,053)
(196,796)
(201,099)
(397,895)
(180,006)
(577,901)
(208,786)
(786,687)
(198,440)
(208,169)
(406,609)
(185,171)
(591,780)
(195,699)
(787,479)
180 b) (*) (***)
Other administrative costs
(96,628)
(104,864)
(201,492)
(107,465)
(308,957)
(116,654)
(425,611)
(101,125)
(102,758)
(203,883)
(106,098)
(309,981)
(107,236)
(417,217)
(93,620)
(103,392)
(197,012)
(95,698)
(292,710)
(107,912)
(400,622)
(96,338)
(103,322)
(199,660)
(97,940)
(297,600)
(106,786)
(404,386)
(97,702)
(100,767)
(198,469)
(98,176)
(296,645)
(108,703)
(405,348)
210 + 220
Net adjustments to property, plant and equipment and intangible assets
(18,685)
(22,012)
(40,697)
(20,653)
(61,350)
(26,079)
(87,429)
(17,084)
(20,443)
(37,527)
(17,943)
(55,470)
(25,125)
(80,595)
(17,330)
(17,087)
(34,417)
(17,495)
(51,912)
(28,337)
(80,249)
(16,357)
(16,613)
(32,970)
(17,015)
(49,985)
(20,401)
(70,386)
(15,039)
(15,462)
(30,501)
(15,742)
(46,243)
(19,759)
(66,002)
Operating costs
(309,438)
(318,427)
(627,865)
(319,774)
(947,639)
(348,879)
(1,296,518)
(314,795)
(324,856)
(639,651)
(300,209)
(939,860)
(327,101)
(1,266,961)
(310,272)
(317,362)
(627,634)
(345,567)
(973,201)
(332,723)
(1,305,924)
(309,491)
(321,034)
(630,525)
(294,961)
(925,486)
(335,973)
(1,261,459)
(311,181)
(324,398)
(635,579)
(299,089)
(934,668)
(324,161)
(1,258,829)
Net operating income
191,335
196,408
387,743
189,807
577,550
164,779
742,329
190,374
223,981
414,355
199,783
614,138
186,179
800,317
244,776
209,973
454,749
167,405
622,154
442,495
1,064,649
274,319
256,772
531,091
220,380
751,471
204,465
955,936
217,418
292,402
509,820
236,709
746,529
241,477
988,006
130 a)
Net impairment adjustments to loans
(133,573)
(189,659)
(323,232)
(89,722)
(412,954)
(123,021)
(535,975)
(114,167)
(161,935)
(276,102)
(124,578)
(400,680)
(219,070)
(619,750)
(147,504)
(150,237)
(297,741)
(127,156)
(424,897)
(280,902)
(705,799)
(211,820)
(204,972)
(416,792)
(163,296)
(580,088)
(232,646)
(812,734)
(161,628)
(278,131)
(439,759)
(151,624)
(591,383)
(190,202)
(781,585)
130 b)+c)
Net impairment adjustments to financial assets available for sale and held to maturity
(17,381)
(54,236)
(71,617)
(29,383)
(101,000)
(3,628)
(104,628)
(3,678)
(3,524)
(7,202)
(4,948)
(12,150)
(39,661)
(51,811)
(6,347)
(2,552)
(8,899)
(7,563)
(16,462)
(10,881)
(27,343)
(466)
(3,189)
(3,655)
(680)
(4,335)
(36,012)
(40,347)
(670)
(2,528)
(3,198)
(1,423)
(4,621)
(53,812)
(58,433)
130 d)
Net impairment adjustments to other financial transactions
4,647
1,787
6,434
6,446
12,880
(28,193)
(15,313)
(3,666)
14,888
11,222
3,097
14,319
(1,822)
12,497
3,879
(4,997)
(1,118)
(348)
(1,466)
(3,192)
(4,658)
(2,424)
(614)
(3,038)
(3,115)
(6,153)
1,015
(5,138)
(5,468)
(19,390)
(24,858)
(2,244)
(27,102)
(9,427)
(36,529)
Net impairment adjustments
(146,307)
(242,108)
(388,415)
(112,659)
(501,074)
(154,842)
(655,916)
(121,511)
(150,571)
(272,082)
(126,429)
(398,511)
(260,553)
(659,064)
(149,972)
(157,786)
(307,758)
(135,067)
(442,825)
(294,975)
(737,800)
(214,710)
(208,775)
(423,485)
(167,091)
(590,576)
(267,643)
(858,219)
(167,766)
(300,049)
(467,815)
(155,291)
(623,106)
(253,441)
(876,547)
190 (****)
Net provisions for risks and charges
(5,661)
(5,941)
(11,602)
(9,268)
(20,870)
(9,708)
(30,578)
(9,621)
(12,504)
(22,125)
(5,791)
(27,916)
(4,732)
(32,648)
(14,096)
(12,439)
(26,535)
(6,585)
(33,120)
(14,262)
(47,382)
(6,658)
(12,976)
(19,634)
(8,036)
(27,670)
(11,112)
(38,782)
(5,318)
(13,060)
(18,378)
(1,700)
(20,078)
(9,832)
(29,910)
###
Contributions to SRF, DGS, FITD
(18,061)
2,114
(15,947)
(20,205)
(36,152)
(1,569)
(37,721)
(15,000)
(11,402)
(26,402)
(17,607)
(44,009)
(29,469)
(73,478)
-
(10,250)
(10,250)
(8,855)
(19,105)
(47,204)
(66,309)
240+260+270
Gains (Losses) on disposal of investments and adjustments to goodwill
3,705
2,843
6,548
4,885
11,433
(21,319)
(9,886)
3,193
(4,077)
(884)
2,462
1,578
(26,161)
(24,583)
(1,773)
7,173
5,400
(6,846)
(1,446)
1,802
356
(972)
(2,770)
(3,742)
2,273
(1,469)
699
(770)
83
(8,161)
(8,078)
4,004
(4,074)
(10,651)
(14,725)
265
Negative goodwill recognised in profit or loss
130,722
130,722
130,722
60,170
190,892
280
Profit (loss) from current operations before income tax
25,011
84,038
109,049
52,560
161,609
37,511
199,120
47,435
45,427
92,862
52,418
145,280
(134,736)
10,544
78,935
36,671
115,606
10,052
125,658
87,856
213,514
51,979
32,251
84,230
47,526
131,756
(73,591)
58,165
44,417
(28,868)
15,549
83,722
99,271
(32,447)
66,824
290
Income taxes on current operations for the period
(7,743)
17,926
10,183
(23,696)
(13,513)
(8,725)
(22,238)
(14,104)
(13,689)
(27,793)
(12,838)
(40,631)
45,901
5,270
(27,234)
(7,367)
(34,601)
(2,313)
(36,914)
42,632
5,718
(20,760)
(20,922)
(41,682)
(14,258)
(55,940)
27,556
(28,384)
(30,509)
(5,374)
(35,883)
(41,426)
(77,309)
25,341
(51,968)
310
Profit (loss) after tax on non-current assets held for sale
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
1,525
(1,082)
443
815
1,258
-
1,258
320
Net profit (loss) for the period
17,268
101,964
119,232
28,864
148,096
28,786
176,882
33,331
31,738
65,069
39,580
104,649
(88,835)
15,814
51,701
29,304
81,005
7,739
88,744
130,488
219,232
31,219
11,329
42,548
33,268
75,816
(46,035)
29,781
15,433
(35,324)
(19,891)
43,111
23,220
(7,106)
16,114
330
Net profit (loss)pertaining to minority interests
(2,710)
2,540
(170)
1,032
862
(1,306)
(444)
(2,356)
2,029
(327)
(3,162)
(3,489)
1,974
(1,515)
(6,504)
(1,270)
(7,774)
1,616
(6,158)
7,587
1,429
(2,947)
(3,701)
(6,648)
(8,067)
(14,715)
(269)
(14,984)
(1,041)
(532)
(1,573)
(7,441)
(9,014)
76
(8,938)
340
Profit (loss) for the period pertaining to the Parent Company
14,558
104,504
119,062
29,896
148,958
27,480
176,438
30,975
33,767
64,742
36,418
101,160
(86,861)
14,299
45,197
28,034
73,231
9,355
82,586
138,075
220,661
28,272
7,628
35,900
25,201
61,101
(46,304)
14,797
14,392
(35,856)
(21,464)
35,670
14,206
(7,030)
7,176
Captions net of:
(*)
Recovery of taxes
29,981
31,001
60,982
31,382
92,364
33,811
126,175
30,405
28,899
59,304
29,385
88,689
30,015
118,704
30,864
31,763
62,627
30,804
93,431
29,871
123,302
29,789
32,392
62,181
31,705
93,886
31,517
125,403
26,858
31,192
58,050
29,286
87,336
29,122
(**)
Accounting recovery of the guarantee expired as part of the Banca Tercas transaction
-
-
-
-
-
-
-
775
775
-
-
-
-
-
-
-
(***)
Contributions to SRF, DGS, FITD
(18,061)
2,114
(15,947)
(20,205)
(36,152)
(1,569)
(37,721)
(15,000)
(11,402)
(26,402)
(17,607)
(44,009)
(34,224)
(78,233)
-
-
-
-
-
(61,554)
(61,554)
(****)
Contributions to SRF, DGS, FITD
-
-
-
-
-
-
3,980
3,980
-
(10,250)
(10,250)
(8,855)
(19,105)
14,350
(4,755)
(*****)
Rimborso dal FITD-SV nell'ambito dell'operazione Tercas
-
-
-
10,970
10,970
P&L by quarter HIST
Consolidated income statement by quarter
(in thousands of Euro)
Captions
2005
31.03.2017
2nd quarter 2017
30.06.2017
3rd quarter 2017
30.09.2017
4th quarter 2017
31.12.2017
31.03.2016
2nd quarter 2016
30.06.2016
3rd quarter 2016
30.09.2016
4th quarter 2016
31.12.2016
31.03.2015
2nd quarter 2015
30.06.2015
3rd quarter 2015
30.09.2015
4th quarter 2015
31.12.2015
31.03.2014
2nd quarter 2014
30.06.2014
3rd quarter 2014
30.09.2014
4th quarter 2014
31.12.2014
31.03.2013
2nd quarter 2013
30.06.2013
3rd quarter 2013
30.09.2013
4th quarter 2013
31.12.2013
31.03.2012
2nd quarter 2012
30.06.2012
3rd quarter 2012
30.09.2012
4th quarter 2012
31.12.2012
31.03.2011
2nd quarter 2011
30.06.2011
3rd quarter 2011
30.09.2011
4th quarter 2011
31.12.2011
31.03.2010
2nd quarter 2010
30.06.2010
3rd quarter 2010
30.09.2010
4th quarter 2010
31.12.2010
31.03.2009
2nd quarter 2009
30.06.2009
3rd quarter 2009
30.09.2009
4th quarter 2009
31.12. 2009
31.03.2008
2nd quarter 2008
30.06.2008
3rd quarter 2008
30.09.2008
4th quarter 2008
31.12. 2008
31.03.2007
2nd quarter 2007
30.06.2007
3rd quarter 2007
30.09.2017
4th quarter 2007
31.12. 2007
31.03.2006
2nd quarter 2006
30.06.2006
3rd quarter 2006
30.09.2006
4th quarter 2006
31.12. 2006
10.
Interest and similar income
355,137
351,464
706,601
358,537
1,065,138
351,258
1,416,396
384,670
373,463
758,133
359,459
1,117,592
365,459
1,483,051
431,035
415,453
846,488
402,855
1,249,343
399,056
1,648,399
494,548
489,785
984,333
470,618
1,454,951
453,337
1,908,288
522,914
522,451
1,045,365
510,407
1,555,772
504,813
2,060,585
566,498
546,668
1,113,166
541,942
1,655,108
541,341
2,196,449
479,437
512,901
992,338
545,861
1,538,199
568,592
2,106,791
451,455
448,828
900,283
462,910
1,363,193
475,660
1,838,853
629,993
578,242
1,208,235
485,208
1,693,443
481,564
2,175,007
681,667
706,907
1,388,574
750,806
2,139,380
764,673
2,904,053
567,459
598,298
1,165,757
638,982
1,804,739
680,451
2,485,190
447,766
472,785
920,551
503,950
1,424,501
542,712
1,967,213
20.
Interest and similar expense
(67,023)
(69,459)
(136,482)
(78,319)
(214,801)
(77,116)
(291,917)
(87,870)
(79,887)
(167,757)
(73,731)
(241,488)
(71,116)
(312,604)
(116,940)
(107,083)
(224,023)
(100,819)
(324,842)
(96,016)
(420,858)
(164,728)
(161,146)
(325,874)
(150,578)
(476,452)
(140,027)
(616,479)
(211,799)
(196,370)
(408,169)
(183,420)
(591,589)
(179,007)
(770,596)
(229,990)
(226,019)
(456,009)
(218,298)
(674,307)
(212,603)
(886,910)
(156,934)
(184,794)
(341,728)
(207,809)
(549,537)
(226,811)
(776,348)
(133,624)
(132,603)
(266,227)
(137,076)
(403,303)
(146,009)
(549,312)
(290,909)
(218,058)
(508,967)
(170,806)
(679,773)
(155,298)
(835,071)
(320,848)
(338,012)
(658,860)
(368,324)
(1,027,184)
(368,614)
(1,395,798)
(210,921)
(238,019)
(448,940)
(259,555)
(708,495)
(271,763)
(980,258)
(149,589)
(160,539)
(310,128)
(176,534)
(486,662)
(194,949)
(681,611)
30.
Net interest income
288,114
282,005
570,119
280,218
850,337
274,142
1,124,479
296,800
293,576
590,376
285,728
876,104
294,343
1,170,447
314,095
308,370
622,465
302,036
924,501
303,040
1,227,541
329,820
328,639
658,459
320,040
978,499
313,310
1,291,809
311,115
326,081
637,196
326,987
964,183
325,806
1,289,989
336,508
320,649
657,157
323,644
980,801
328,738
1,309,539
322,503
328,107
650,610
338,052
988,662
341,781
1,330,443
317,831
316,225
634,056
325,834
959,890
329,651
1,289,541
339,084
360,184
699,268
314,402
1,013,670
326,266
1,339,936
360,819
368,895
729,714
382,482
1,112,196
396,059
1,508,255
356,538
360,279
716,817
379,427
1,096,244
408,688
1,504,932
298,177
312,246
610,423
327,416
937,839
347,763
1,285,602
40.
Commission income
185,947
190,680
376,627
194,303
570,930
205,676
776,606
185,186
189,189
374,375
183,068
557,443
188,516
745,959
188,020
189,373
377,393
187,648
565,041
197,433
762,474
184,023
186,210
370,233
182,429
552,662
186,457
739,119
184,746
188,519
373,265
186,320
559,585
191,601
751,186
183,096
195,677
378,773
192,233
571,006
191,800
762,806
181,967
177,712
359,679
186,869
546,548
188,582
735,130
188,490
189,481
377,971
178,391
556,362
189,156
745,518
144,200
154,014
298,214
190,280
488,494
207,879
696,373
120,099
122,405
242,504
128,018
370,522
195,369
565,891
120,204
124,466
244,670
126,523
371,193
134,629
505,822
129,394
130,820
260,214
100,349
360,563
141,168
501,731
50.
Commission expense
(8,574)
(8,829)
(17,403)
(9,501)
(26,904)
(9,074)
(35,978)
(8,103)
(8,154)
(16,257)
(8,265)
(24,522)
(8,715)
(33,237)
(8,817)
(8,723)
(17,540)
(9,804)
(27,344)
(8,437)
(35,781)
(12,573)
(12,182)
(24,755)
(13,417)
(38,172)
(10,283)
(48,455)
(13,457)
(12,997)
(26,454)
(13,645)
(40,099)
(12,829)
(52,928)
(11,292)
(13,955)
(25,247)
(15,329)
(40,576)
(14,289)
(54,865)
(9,757)
(8,936)
(18,693)
(11,736)
(30,429)
(11,007)
(41,436)
(12,292)
(14,851)
(27,143)
(13,534)
(40,677)
(14,717)
(55,394)
(13,060)
(14,847)
(27,907)
(15,124)
(43,031)
(15,375)
(58,406)
(10,894)
(12,746)
(23,640)
(13,316)
(36,956)
(13,044)
(50,000)
(12,594)
(12,318)
(24,912)
(16,119)
(41,031)
(12,946)
(53,977)
(12,330)
(15,586)
(27,916)
(13,692)
(41,608)
(16,719)
(58,327)
60.
Net commission income
177,373
181,851
359,224
184,802
544,026
196,602
740,628
177,083
181,035
358,118
174,803
532,921
179,801
712,722
179,203
180,650
359,853
177,844
537,697
188,996
726,693
171,450
174,028
345,478
169,012
514,490
176,174
690,664
171,289
175,522
346,811
172,675
519,486
178,772
698,258
171,804
181,722
353,526
176,904
530,430
177,511
707,941
172,210
168,776
340,986
175,133
516,119
177,575
693,694
176,198
174,630
350,828
164,857
515,685
174,439
690,124
131,140
139,167
270,307
175,156
445,463
192,504
637,967
109,205
109,659
218,864
114,702
333,566
182,325
515,891
107,610
112,148
219,758
110,404
330,162
121,683
451,845
117,064
115,234
232,298
86,657
318,955
124,449
443,404
70.
Dividends and similar income
312
10,812
11,124
507
11,631
785
12,416
86
8,732
8,818
338
9,156
716
9,872
249
13,583
13,832
457
14,289
1,664
15,953
574
17,617
18,191
115
18,306
1,086
19,392
575
22,415
22,990
540
23,530
556
24,086
920
3,288
4,208
339
4,547
456
5,003
825
3,979
4,804
577
5,381
1,917
7,298
1,736
2,799
4,535
254
4,789
220
5,009
1,088
4,852
5,940
448
6,388
(249)
6,139
1,075
13,377
14,452
805
15,257
736
15,993
954
16,053
17,007
623
17,630
4,542
22,172
1,456
16,063
17,519
1,439
18,958
169
19,127
80.
Net trading income
10,920
9,069
19,989
13,286
33,275
4,740
38,015
(25,801)
(3,956)
(29,757)
12,051
(17,706)
25,650
7,944
20,413
(6,009)
14,404
591
14,995
17,836
32,831
4,290
5,646
9,936
4,406
14,342
2,191
16,533
8,317
12,041
20,358
12,516
32,874
15,239
48,113
72,137
(19,714)
52,423
37,959
90,382
7,995
98,377
23,909
(9,126)
14,783
(61,566)
(46,783)
(23,319)
(70,102)
14,047
(28,367)
(14,320)
11,310
(3,010)
(14,576)
(17,586)
15,591
49,547
65,138
47,308
112,446
13,152
125,598
(2,301)
(12,457)
(14,758)
2,275
(12,483)
(55,823)
(68,306)
(6,546)
(29,311)
(35,857)
(20,278)
(56,135)
(46,008)
(102,143)
(13,680)
(12,613)
(26,293)
(15,291)
(41,584)
(17,975)
(59,559)
90.
Net hedging gains (losses)
(300)
41
(259)
31
(228)
(265)
(493)
120
(82)
38
(129)
(91)
(244)
(335)
355
(520)
(165)
(634)
(799)
(90)
(889)
231
91
322
513
835
239
1,074
(280)
74
(206)
15
(191)
(401)
(592)
(329)
(362)
(691)
(383)
(1,074)
(160)
(1,234)
74
(71)
3
(942)
(939)
(243)
(1,182)
66
25
91
47
138
30
168
(127)
533
406
195
601
(230)
371
432
(683)
(251)
(169)
(420)
652
232
-
-
-
-
-
-
-
-
-
-
-
-
-
-
100.
Gains/losses on disposal or repurchase of:
13,630
16,756
30,386
6,986
37,372
27,002
64,374
37,346
55,129
92,475
11,199
103,674
3,988
107,662
28,438
15,882
44,320
22,809
67,129
248,337
315,466
67,761
32,660
100,421
25,636
126,057
38,242
164,299
24,834
73,324
98,158
14,338
112,496
53,082
165,578
11,984
21,060
33,044
16,995
50,039
41,941
91,980
95
10,009
10,104
1,853
11,957
(639)
11,318
48
34,627
34,675
1,149
35,824
(1,508)
34,316
13,036
2,239
15,275
2,467
17,742
1,151
18,893
587
6,863
7,450
635
8,085
6,748
14,833
20,760
8,034
28,794
548
29,342
10,003
39,345
8,894
34,987
43,881
6,059
49,940
13,839
63,779
a) loans and advances
1,253
(9,105)
(7,852)
(5,170)
(13,022)
591
(12,431)
7
1,027
1,034
(4,495)
(3,461)
(6,287)
(9,748)
3,804
601
4,405
(200)
4,205
(182)
4,023
107
59
166
(29,716)
(29,550)
(409)
(29,959)
36
(723)
(687)
(528)
(1,215)
286
(929)
169
(515)
(346)
(122)
(468)
(306)
(774)
492
495
987
8
995
(776)
219
311
308
619
(416)
203
(2,551)
(2,348)
322
(166)
156
166
322
206
528
-
-
-
-
-
1
1
1
(1)
-
(5)
(5)
-
(5)
15
39
54
968
1,022
(968)
54
b) financial assets available for sale
12,378
25,466
37,844
12,027
49,871
26,153
76,024
38,237
54,210
92,447
15,833
108,280
10,347
118,627
25,092
15,486
40,578
23,048
63,626
249,545
313,171
67,430
32,784
100,214
55,393
155,607
38,939
194,546
23,417
74,004
97,421
12,641
110,062
51,992
162,054
11,077
(351)
10,726
15,264
25,990
42,024
68,014
(65)
4,990
4,925
483
5,408
(62)
5,346
(111)
35,054
34,943
1,980
36,923
1,392
38,315
977
1,957
2,934
2,576
5,510
982
6,492
12
6,218
6,230
59
6,289
329
6,618
20,282
10,374
30,656
(77)
30,579
9,453
40,032
8,902
34,631
43,533
4,712
48,245
14,391
62,636
c) financial assets held to maturity
- 0
316
316
- 0
316
- 0
316
- 0
- 0
- 0
- 0
- 0
- 0
- 0
(92)
300
208
- 0
208
13
221
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
(179)
- 0
(179)
- 0
(179)
- 0
(179)
9
(9)
-
1
1
(1)
- 0
- 0
- 0
-
- 0
-
- 0
- 0
-
-
-
(13)
(13)
1
(12)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
d) financial liabilities
(1)
79
78
129
207
258
465
(898)
(108)
(1,006)
(139)
(1,145)
(72)
(1,217)
(366)
(505)
(871)
(39)
(910)
(1,039)
(1,949)
224
(183)
41
(41)
- 0
(288)
(288)
1,381
43
1,424
2,225
3,649
804
4,453
917
21,926
22,843
1,853
24,696
223
24,919
(341)
4,533
4,192
1,361
5,553
200
5,753
(152)
(735)
(887)
(415)
(1,302)
(349)
(1,651)
11,737
448
12,185
(262)
11,923
(38)
11,885
575
645
1,220
576
1,796
6,418
8,214
477
(2,339)
(1,862)
630
(1,232)
550
(682)
(23)
317
294
379
673
416
1,089
110.
Net results on financial assets and liabilities designated at fair value
414
3
417
186
603
635
1,238
3,997
(2,027)
1,970
2,397
4,367
361
4,728
(3,148)
6,110
2,962
(2,405)
557
(81)
476
(8,982)
7,992
(990)
(10,232)
(11,222)
(3,019)
(14,241)
(18,215)
(17,230)
(35,445)
(11,375)
(46,820)
(27,170)
(73,990)
(26,380)
10,768
(15,612)
(26,698)
(42,310)
(14,438)
(56,748)
(6,004)
25,080
19,076
54,874
73,950
55,385
129,335
5,891
(2,548)
3,343
18,673
22,016
8,726
30,742
1,153
28,434
29,587
4,383
33,970
(5,992)
27,978
(23,904)
(11,474)
(35,378)
(20,771)
(56,149)
(47,728)
(103,877)
4,598
97
4,695
(10,487)
(5,792)
(11,879)
(17,671)
10,803
(17,795)
(6,992)
5,481
(1,511)
17,527
16,016
120.
Net interest and other banking income
490,463
500,537
991,000
486,016
1,477,016
503,641
1,980,657
489,631
532,407
1,022,038
486,387
1,508,425
504,615
2,013,040
539,605
518,066
1,057,671
500,698
1,558,369
759,702
2,318,071
565,144
566,673
1,131,817
509,490
1,641,307
528,223
2,169,530
497,635
592,227
1,089,862
515,696
1,605,558
545,884
2,151,442
566,644
517,411
1,084,055
528,760
1,612,815
542,043
2,154,858
513,612
526,754
1,040,366
507,981
1,548,347
552,457
2,100,804
515,817
497,391
1,013,208
522,124
1,535,332
496,982
2,032,314
500,965
584,956
1,085,921
544,359
1,630,280
526,602
2,156,882
445,913
474,180
920,093
479,959
1,400,052
482,969
1,883,021
483,914
467,300
951,214
460,237
1,411,451
487,029
1,898,480
422,714
448,122
870,836
411,761
1,282,597
485,772
1,768,369
130.
Net impairment adjustments to:
(146,307)
(242,108)
(388,415)
(112,659)
(501,074)
(154,842)
(655,916)
(121,511)
(150,571)
(272,082)
(126,429)
(398,511)
(260,553)
(659,064)
(149,972)
(157,786)
(307,758)
(135,067)
(442,825)
(294,975)
(737,800)
(214,710)
(208,775)
(423,485)
(167,091)
(590,576)
(267,643)
(858,219)
(167,766)
(300,049)
(467,815)
(155,291)
(623,106)
(253,441)
(876,547)
(99,622)
(195,405)
(295,027)
(128,627)
(423,654)
(548,270)
(971,924)
(74,767)
(106,158)
(180,925)
(86,284)
(267,209)
(82,923)
(350,132)
(106,276)
(94,218)
(200,494)
(73,715)
(274,209)
(123,575)
(397,784)
(104,482)
(214,024)
(318,506)
(103,799)
(422,305)
(182,676)
(604,981)
(37,442)
(61,509)
(98,951)
(61,800)
(160,751)
(79,069)
(239,820)
(23,448)
(41,874)
(65,322)
(35,245)
(100,567)
(38,169)
(138,736)
(9,890)
(37,924)
(47,814)
(33,732)
(81,546)
(47,655)
(129,201)
a) loans and advances
(133,573)
(189,659)
(323,232)
(89,722)
(412,954)
(123,021)
(535,975)
(114,167)
(161,935)
(276,102)
(124,578)
(400,680)
(219,070)
(619,750)
(147,504)
(150,237)
(297,741)
(127,156)
(424,897)
(280,902)
(705,799)
(211,820)
(204,972)
(416,792)
(163,296)
(580,088)
(232,646)
(812,734)
(161,628)
(278,131)
(439,759)
(151,624)
(591,383)
(190,202)
(781,585)
(98,725)
(190,883)
(289,608)
(130,370)
(419,978)
(538,415)
(958,393)
(75,088)
(100,631)
(175,719)
(84,068)
(259,787)
(84,268)
(344,055)
(103,885)
(89,037)
(192,922)
(70,178)
(263,100)
(114,839)
(377,939)
(102,077)
(207,305)
(309,382)
(96,879)
(406,261)
(175,115)
(581,376)
(36,107)
(60,432)
(96,539)
(50,978)
(147,517)
(56,797)
(204,314)
(23,515)
(40,861)
(64,376)
(33,810)
(98,186)
(42,633)
(140,819)
(10,099)
(37,414)
(47,513)
(33,172)
(80,685)
(48,687)
(129,372)
b) financial assets available for sale
(17,381)
(54,236)
(71,617)
(29,383)
(101,000)
(3,628)
(104,628)
(3,678)
(3,524)
(7,202)
(4,948)
(12,150)
(39,661)
(51,811)
(6,347)
(2,552)
(8,899)
(7,563)
(16,462)
(10,881)
(27,343)
(466)
(3,189)
(3,655)
(680)
(4,335)
(36,012)
(40,347)
(670)
(2,528)
(3,198)
(1,423)
(4,621)
(53,812)
(58,433)
(201)
(4,672)
(4,873)
45
(4,828)
(4,011)
(8,839)
(2)
(1,713)
(1,715)
(568)
(2,283)
(4,333)
(6,616)
(975)
(2,672)
(3,647)
(3,574)
(7,221)
(3,064)
(10,285)
(536)
(3,570)
(4,106)
(3,448)
(7,554)
(5,961)
(13,515)
-
(7)
(7)
(9,400)
(9,407)
(21,961)
(31,368)
-
(12)
(12)
-
(12)
(7)
(19)
-
(71)
(71)
(345)
(416)
359
(57)
c) financial assets held to maturity
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
-
- 0
-
- 0
- 0
- 0
(1,042)
(1,042)
(1,432)
(2,474)
(989)
(3,463)
- 0
- 0
-
- 0
-
- 0
- 0
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
d) other financial assets
4,647
1,787
6,434
6,446
12,880
(28,193)
(15,313)
(3,666)
14,888
11,222
3,097
14,319
(1,822)
12,497
3,879
(4,997)
(1,118)
(348)
(1,466)
(3,192)
(4,658)
(2,424)
(614)
(3,038)
(3,115)
(6,153)
1,015
(5,138)
(5,468)
(19,390)
(24,858)
(2,244)
(27,102)
(9,427)
(36,529)
(696)
150
(546)
1,698
1,152
(5,844)
(4,692)
323
(2,772)
(2,449)
(216)
(2,665)
6,667
4,002
(1,416)
(2,509)
(3,925)
37
(3,888)
(5,672)
(9,560)
(1,869)
(3,149)
(5,018)
(3,472)
(8,490)
(1,600)
(10,090)
(1,335)
(1,070)
(2,405)
(1,422)
(3,827)
(311)
(4,138)
67
(1,001)
(934)
(1,435)
(2,369)
4,471
2,102
209
(439)
(230)
(215)
(445)
673
228
140.
Net profit from financial activities
344,156
258,429
602,585
373,357
975,942
348,799
1,324,741
368,120
381,836
749,956
359,958
1,109,914
244,062
1,353,976
389,633
360,280
749,913
365,631
1,115,544
464,727
1,580,271
350,434
357,898
708,332
342,399
1,050,731
260,580
1,311,311
329,869
292,178
622,047
360,405
982,452
292,443
1,274,895
467,022
322,006
789,028
400,133
1,189,161
-6,227
1,182,934
438,845
420,596
859,441
421,697
1,281,138
469,534
1,750,672
409,541
403,173
812,714
448,409
1,261,123
373,407
1,634,530
396,483
370,932
767,415
440,560
1,207,975
343,926
1,551,901
408,471
412,671
821,142
418,159
1,239,301
403,900
1,643,201
460,466
425,426
885,892
424,992
1,310,884
448,860
1,759,744
412,824
410,198
823,022
378,029
1,201,051
438,117
1,639,168
180.
Administrative costs:
(338,795)
(325,302)
(664,097)
(350,708)
(1,014,805)
(358,180)
(1,372,985)
(343,116)
(344,714)
(687,830)
(329,258)
(1,017,088)
(366,215)
(1,383,303)
(323,806)
(332,038)
(655,844)
(358,876)
(1,014,720)
(395,811)
(1,410,531)
(322,923)
(336,813)
(659,736)
(309,651)
(969,387)
(347,089)
(1,316,476)
(323,000)
(340,128)
(663,128)
(312,633)
(975,761)
(333,524)
(1,309,285)
(320,719)
(333,107)
(653,826)
(312,269)
(966,095)
(293,371)
(1,259,466)
(317,491)
(337,206)
(654,697)
(306,759)
(961,456)
(325,439)
(1,286,895)
(309,111)
(336,576)
(645,687)
(296,912)
(942,599)
(331,829)
(1,274,428)
(307,297)
(330,249)
(637,546)
(302,333)
(939,879)
(332,349)
(1,272,228)
(278,856)
(301,286)
(580,142)
(287,274)
(867,416)
(315,140)
(1,182,556)
(263,890)
(267,460)
(531,350)
(272,210)
(803,560)
(305,306)
(1,108,866)
(261,161)
(272,845)
(534,006)
(234,693)
(768,699)
(289,621)
(1,058,320)
a) payroll
(194,125)
(191,551)
(385,676)
(191,656)
(577,332)
(206,146)
(783,478)
(196,586)
(201,655)
(398,241)
(176,168)
(574,409)
(194,740)
(769,149)
(199,322)
(196,883)
(396,205)
(232,374)
(628,579)
(196,474)
(825,053)
(196,796)
(201,099)
(397,895)
(180,006)
(577,901)
(208,786)
(786,687)
(198,440)
(208,169)
(406,609)
(185,171)
(591,780)
(195,699)
(787,479)
(197,918)
(205,333)
(403,251)
(197,420)
(600,671)
(168,906)
(769,577)
(197,908)
(208,809)
(406,717)
(181,453)
(588,170)
(197,706)
(785,876)
(191,746)
(207,437)
(399,183)
(179,206)
(578,389)
(199,718)
(778,107)
(187,638)
(195,552)
(383,190)
(182,615)
(565,805)
(205,794)
(771,599)
(173,517)
(181,762)
(355,279)
(177,450)
(532,729)
(185,231)
(717,960)
(165,570)
(154,649)
(320,219)
(172,055)
(492,274)
(185,581)
(677,855)
(162,657)
(168,533)
(331,190)
(144,943)
(476,133)
(177,064)
(653,197)
b) other administrative costs
(144,670)
(133,751)
(278,421)
(159,052)
(437,473)
(152,034)
(589,507)
(146,530)
(143,059)
(289,589)
(153,090)
(442,679)
(171,475)
(614,154)
(124,484)
(135,155)
(259,639)
(126,502)
(386,141)
(199,337)
(585,478)
(126,127)
(135,714)
(261,841)
(129,645)
(391,486)
(138,303)
(529,789)
(124,560)
(131,959)
(256,519)
(127,462)
(383,981)
(137,825)
(521,806)
(122,801)
(127,774)
(250,575)
(114,849)
(365,424)
(124,465)
(489,889)
(119,583)
(128,397)
(247,980)
(125,306)
(373,286)
(127,733)
(501,019)
(117,365)
(129,139)
(246,504)
(117,706)
(364,210)
(132,111)
(496,321)
(119,659)
(134,697)
(254,356)
(119,718)
(374,074)
(126,555)
(500,629)
(105,339)
(119,524)
(224,863)
(109,824)
(334,687)
(129,909)
(464,596)
(98,320)
(112,811)
(211,131)
(100,155)
(311,286)
(119,725)
(431,011)
(98,504)
(104,312)
(202,816)
(89,750)
(292,566)
(112,557)
(405,123)
190.
Net provisions for risks and charges
(5,661)
(5,941)
(11,602)
(9,268)
(20,870)
(9,708)
(30,578)
(9,621)
(12,504)
(22,125)
(5,791)
(27,916)
(752)
(28,668)
(14,096)
(22,689)
(36,785)
(15,440)
(52,225)
88
(52,137)
(6,658)
(12,976)
(19,634)
(8,036)
(27,670)
(11,112)
(38,782)
(5,318)
(13,060)
(18,378)
(1,700)
(20,078)
(9,832)
(29,910)
(4,907)
(3,654)
(8,561)
(2,135)
(10,696)
(18,436)
(29,132)
(7,268)
(9,006)
(16,274)
(3,276)
(19,550)
(2,862)
(22,412)
(6,692)
(10,362)
(17,054)
(6,651)
(23,705)
(7,188)
(30,893)
(3,542)
(12,313)
(15,855)
996
(14,859)
(7,417)
(22,276)
(8,008)
(1,433)
(9,441)
(7,768)
(17,209)
(13,899)
(31,108)
(4,699)
(12,341)
(17,040)
(6,987)
(24,027)
3,483
(20,544)
(6,397)
(9,146)
(15,543)
(5,018)
(20,561)
(19,057)
(39,618)
200.
Net adjustments to property, plant and equipment
(9,076)
(12,048)
(21,124)
(9,771)
(30,895)
(15,229)
(46,124)
(8,983)
(12,104)
(21,087)
(9,150)
(30,237)
(15,472)
(45,709)
(9,944)
(9,171)
(19,115)
(9,295)
(28,410)
(19,926)
(48,336)
(10,402)
(10,253)
(20,655)
(10,192)
(30,847)
(12,918)
(43,765)
(10,081)
(10,155)
(20,236)
(10,190)
(30,426)
(13,304)
(43,730)
(10,315)
(11,414)
(21,729)
(10,434)
(32,163)
(12,685)
(44,848)
(10,695)
(10,963)
(21,658)
(10,637)
(32,295)
(11,176)
(43,471)
(10,387)
(11,071)
(21,458)
(10,619)
(32,077)
(12,029)
(44,106)
(9,582)
(10,459)
(20,041)
(10,156)
(30,197)
(16,255)
(46,452)
(9,228)
(10,027)
(19,255)
(9,761)
(29,016)
(10,310)
(39,326)
(9,240)
(9,813)
(19,053)
(9,909)
(28,962)
(9,878)
(38,840)
(9,527)
(9,763)
(19,290)
(9,741)
(29,031)
(9,843)
(38,874)
210.
Net adjustments to intangible assets
(9,609)
(9,964)
(19,573)
(10,882)
(30,455)
(10,850)
(41,305)
(8,101)
(8,339)
(16,440)
(8,793)
(25,233)
(9,653)
(34,886)
(7,386)
(7,916)
(15,302)
(8,200)
(23,502)
(8,411)
(31,913)
(5,955)
(6,360)
(12,315)
(6,823)
(19,138)
(7,483)
(26,621)
(4,958)
(5,307)
(10,265)
(5,552)
(15,817)
(6,455)
(22,272)
(3,581)
(3,637)
(7,218)
(4,061)
(11,279)
(4,733)
(16,012)
(3,326)
(3,398)
(6,724)
(3,507)
(10,231)
(3,974)
(14,205)
(2,711)
(2,671)
(5,382)
(2,641)
(8,023)
(3,211)
(11,234)
(2,094)
(2,541)
(4,635)
(2,398)
(7,033)
(3,814)
(10,847)
(1,251)
(1,524)
(2,775)
(1,530)
(4,305)
(2,002)
(6,307)
(1,375)
(1,655)
(3,030)
(1,668)
(4,698)
(1,991)
(6,689)
(1,365)
(1,577)
(2,942)
(1,515)
(4,457)
(1,612)
(6,069)
220.
Other operating charges/income
40,291
45,299
85,590
54,947
140,537
43,828
184,365
45,943
45,329
91,272
42,990
134,262
39,455
173,717
46,307
41,032
87,339
43,078
130,417
45,387
175,804
48,455
43,525
91,980
37,556
129,536
43,732
173,268
57,822
55,765
113,587
49,388
162,975
48,876
211,851
31,283
30,255
61,538
46,152
107,690
35,963
143,653
27,367
26,516
53,883
25,728
79,611
44,773
124,384
23,757
34,292
58,049
22,575
80,624
29,860
110,484
24,654
27,443
52,097
20,653
72,750
24,880
97,630
42,497
44,428
86,925
39,733
126,658
(4,537)
122,121
42,665
46,433
89,098
42,549
131,647
54,444
186,091
37,876
39,767
77,643
40,435
118,078
43,915
161,993
230.
Operating costs
(322,850)
(307,956)
(630,806)
(325,682)
(956,488)
(350,139)
(1,306,627)
(323,878)
(332,332)
(656,210)
(310,002)
(966,212)
(352,637)
(1,318,849)
(308,925)
(330,782)
(639,707)
(348,733)
(988,440)
(378,673)
(1,367,113)
(297,483)
(322,877)
(620,360)
(297,146)
(917,506)
(334,870)
(1,252,376)
(285,535)
(312,885)
(598,420)
(280,687)
(879,107)
(314,239)
(1,193,346)
(308,239)
(321,557)
(629,796)
(282,747)
(912,543)
(293,262)
(1,205,805)
(311,413)
(334,057)
(645,470)
(298,451)
(943,921)
(298,678)
(1,242,599)
(305,144)
(326,388)
(631,532)
(294,248)
(925,780)
(324,397)
(1,250,177)
(297,861)
(328,119)
(625,980)
(293,238)
(919,218)
(334,955)
(1,254,173)
(254,846)
(269,842)
(524,688)
(266,600)
(791,288)
(345,888)
(1,137,176)
(236,539)
(244,836)
(481,375)
(248,225)
(729,600)
(259,248)
(988,848)
(240,574)
(253,564)
(494,138)
(210,532)
(704,670)
(276,218)
(980,888)
240.
Profit (loss) from equity investments
3,675
2,857
6,532
4,872
11,404
7,079
18,483
3,143
(406)
2,737
2,344
5,081
3,410
8,491
(1,886)
7,270
5,384
(6,843)
(1,459)
1,556
97
(973)
(2,792)
(3,765)
2,270
(1,495)
658
(837)
(5)
(8,200)
(8,205)
3,790
(4,415)
(10,533)
(14,948)
(233)
5,384
5,151
955
6,106
9,085
15,191
(2,115)
(16,735)
(18,850)
40
(18,810)
(24,356)
(43,166)
189
1,443
1,632
(827)
805
16,630
17,435
2,545
3,199
5,744
4
5,748
3,281
9,029
(53)
2,287
2,234
(146)
2,088
(83,261)
(81,173)
(80)
6,004
5,924
14,008
19,932
7,207
27,139
(45)
7,222
7,177
(803)
6,374
16,278
22,652
260.
Adjustments to goodwill
- 0
- 0
- 0
- 0
- 0
(28,357)
(28,357)
- 0
(3,254)
(3,254)
- 0
(3,254)
(29,600)
(32,854)
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
(112)
(112)
- 0
(36)
(36)
- 0
(36)
(12)
(48)
(60)
(43)
(103)
(35)
(138)
(61,291)
(61,429)
(90)
(83)
(173)
(32)
(205)
(3,094)
(3,299)
(19)
(52)
(71)
(49)
(120)
(67)
(187)
(1)
(195)
(196)
(37)
(233)
(12)
(245)
(158)
(256)
(414)
(57)
(471)
(476)
(947)
(306)
(506)
(812)
(187)
(999)
(214)
(1,213)
265.
Negative goodwill recognised in profit or loss
130,722
- 0
130,722
60,170
190,892
270.
Gains (losses) on disposal of investments
30
(14)
16
13
29
(41)
(12)
50
(417)
(367)
118
(249)
29
(220)
113
(97)
16
(3)
13
246
259
1
22
23
3
26
41
67
88
39
127
214
341
(6)
335
(27)
(1,633)
(1,660)
(989)
(2,649)
2,964
315
289
316
605
243
848
1,770
2,618
230
91
321
(587)
(266)
808
542
182
(31)
151
431
582
(780)
(198)
281
619
900
30
930
545
1,475
195
633
828
(78)
750
721
1,471
14
9
23
52
75
2,214
2,289
280.
Profit (loss) from current operations before tax
25,011
84,038
109,049
52,560
161,609
37,511
199,120
47,435
45,427
92,862
52,418
145,280
(134,736)
10,544
78,935
36,671
115,606
10,052
125,658
87,856
213,514
51,979
32,251
84,230
47,526
131,756
(73,591)
58,165
44,417
(28,868)
15,549
83,722
99,271
(32,447)
66,824
158,523
4,164
162,687
117,352
280,039
(287,452)
-7,413
125,546
70,077
195,623
123,494
319,117
86,979
406,096
104,726
78,236
182,962
152,715
335,677
63,354
399,031
101,330
45,929
147,259
147,708
294,967
11,405
306,372
153,852
145,540
299,392
151,406
450,798
(24,716)
426,082
223,884
186,971
410,855
190,640
601,495
197,064
798,559
171,913
163,359
335,272
166,559
501,831
180,177
682,008
290.
Income taxes on current operations
(7,743)
17,926
10,183
(23,696)
(13,513)
(8,725)
(22,238)
(14,104)
(13,689)
(27,793)
(12,838)
(40,631)
45,901
5,270
(27,234)
(7,367)
(34,601)
(2,313)
(36,914)
42,632
5,718
(20,760)
(20,922)
(41,682)
(14,258)
(55,940)
27,556
(28,384)
(30,509)
(5,374)
(35,883)
(41,426)
(77,309)
25,341
(51,968)
(64,748)
(20,701)
(85,449)
(57,031)
(142,480)
117,295
(25,185)
(53,297)
(47,768)
(101,065)
(55,392)
(156,457)
(5,708)
(162,165)
(44,737)
(33,435)
(78,172)
(60,519)
(138,691)
(40,722)
(179,413)
(44,965)
(28,454)
(73,419)
(59,850)
(133,269)
(12,020)
(145,289)
(56,762)
(54,691)
(111,453)
(63,648)
(175,101)
(42,114)
(217,215)
(88,149)
(69,978)
(158,127)
(74,336)
(232,463)
(98,028)
(330,491)
(69,302)
(65,043)
(134,345)
(68,290)
(202,635)
(62,979)
(265,614)
300.
Profit (loss) from current operations after tax
17,268
101,964
119,232
28,864
148,096
28,786
176,882
33,331
31,738
65,069
39,580
104,649
(88,835)
15,814
51,701
29,304
81,005
7,739
88,744
130,488
219,232
31,219
11,329
42,548
33,268
75,816
(46,035)
29,781
13,908
(34,242)
(20,334)
42,296
21,962
(7,106)
14,856
93,775
-16,537
77,238
60,321
137,559
(170,157)
(32,598)
72,249
22,309
94,558
68,102
162,660
81,271
243,931
59,989
44,801
104,790
92,196
196,986
22,632
219,618
56,365
17,475
73,840
87,858
161,698
(615)
161,083
97,090
90,849
187,939
87,758
275,697
(66,830)
208,867
135,735
116,993
252,728
116,304
369,032
99,036
468,068
102,611
98,316
200,927
98,269
299,196
117,198
416,394
310.
Profit (loss) after tax on non-current assets held for sale
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
- 0
1,525
(1,082)
443
815
1,258
- 0
1,258
- 0
- 0
-
482
482
(482)
- 0
199
1,307
1,506
602
2,108
(8,680)
(6,572)
5,813
104,649
110,462
331
110,793
(3,054)
107,739
-
3,890
3,890
5,508
9,398
(1,008)
8,390
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
320.
Net profit (loss)
17,268
101,964
119,232
28,864
148,096
28,786
176,882
33,331
31,738
65,069
39,580
104,649
(88,835)
15,814
51,701
29,304
81,005
7,739
88,744
130,488
219,232
31,219
11,329
42,548
33,268
75,816
(46,035)
29,781
15,433
(35,324)
(19,891)
43,111
23,220
(7,106)
16,114
93,775
(16,537)
77,238
60,803
138,041
(170,639)
(32,598)
72,448
23,616
96,064
68,704
164,768
72,591
237,359
65,802
149,450
215,252
92,527
307,779
19,578
327,357
56,365
21,365
77,730
93,366
171,096
(1,623)
169,473
97,090
90,849
187,939
87,758
275,697
(66,830)
208,867
135,735
116,993
252,728
116,304
369,032
99,036
468,068
102,611
98,316
200,927
98,269
299,196
117,198
416,394
330.
Net profit (loss) pertaining to minority interests
(2,710)
2,540
(170)
1,032
862
(1,306)
(444)
(2,356)
2,029
(327)
(3,162)
(3,489)
1,974
(1,515)
(6,504)
(1,270)
(7,774)
1,616
(6,158)
7,587
1,429
(2,947)
(3,701)
(6,648)
(8,067)
(14,715)
(269)
(14,984)
(1,041)
(532)
(1,573)
(7,441)
(9,014)
76
(8,938)
(6,038)
11,577
5,539
(1,873)
3,666
17,661
21,327
(10,897)
(5,073)
(15,970)
(9,583)
(25,553)
2,833
(22,720)
(7,814)
(14,463)
(22,277)
(14,301)
(36,578)
2,345
(34,233)
(17,444)
(16,560)
(34,004)
(17,925)
(51,929)
(1,757)
(53,686)
(26,609)
(13,397)
(40,006)
(26,341)
(66,347)
(8,857)
(75,204)
(31,747)
(23,193)
(54,940)
(23,945)
(78,885)
(14,728)
(93,613)
(21,836)
(12,323)
(34,159)
(19,543)
(53,702)
(15,861)
(69,563)
340.
Profit (loss) for the period pertaining to the Parent Company
14,558
104,504
119,062
29,896
148,958
27,480
176,438
30,975
33,767
64,742
36,418
101,160
(86,861)
14,299
45,197
28,034
73,231
9,355
82,586
138,075
220,661
28,272
7,628
35,900
25,201
61,101
(46,304)
14,797
14,392
(35,856)
(21,464)
35,670
14,206
(7,030)
7,176
87,737
-4,960
82,777
58,930
141,707
(152,978)
(11,271)
61,551
18,543
80,094
59,121
139,215
75,424
214,639
57,988
134,987
192,975
78,226
271,201
21,923
293,124
38,921
4,805
43,726
75,441
119,167
(3,380)
115,787
70,481
77,452
147,933
61,417
209,350
(75,687)
133,663
103,988
93,800
197,788
92,359
290,147
84,308
374,455
80,775
85,993
166,768
78,726
245,494
101,337
346,831
balance sheet HIST
Consolidated balance sheet
(in thousands of Euro)
Assets
31.12.2017
30.09.2017
30.06.2017
31.03.2017
31.12.2016
30.09.2016
30.06.2016
31.03.2016
31.12.2015
30.09.2015
30.06.2015
31.03.2015
31.12.2014
30.09.2014
30.06.2014
31.03.2014
31.12.2013
30.09.2013
30.06.2013
31.03.2013
31.12.2012
30.09.2012
30.06.2012
31.03.2011
31.12.2011
30.09.2011
30.06.2011
31.03.2011
31.12.2010
30.09.2010
30.06.2010
31.03.2010
31.12.2009
30.09.2009
30.06.2009
31.03.2009
31.12.2008
30.09.2008
30.06.2008
31.03.2008
31.12.2007
30.09.2007
30.06.2007
31.03.2007
31.12.2006
30.09.2006
30.06.2006
31.03.2006
31.12.2005
10.
Cash and balance with central banks
420,299
356,774
365,772
316,008
364,879
348,364
339,844
354,274
390,371
361,508
364,869
336,751
450,766
388,032
396,682
352,564
488,522
421,763
383,088
359,568
488,873
382,072
409,534
377,298
463,315
415,183
449,309
394,360
422,920
398,525
425,094
381,013
424,768
408,513
430,765
387,562
489,976
401,345
439,597
372,296
484,325
303,671
304,289
268,848
370,833
268,213
267,529
252,864
340,437
20.
Financial assets held for trading
663,134
712,093
647,051
750,057
676,844
723,611
769,336
756,794
790,403
845,007
915,238
1,079,617
1,033,286
981,046
1,047,737
1,053,291
1,117,939
1,159,484
1,260,270
1,371,961
1,596,048
1,824,193
1,962,269
2,050,745
2,123,489
2,075,525
2,085,905
2,221,213
2,314,497
2,476,033
2,630,004
2,528,589
2,151,137
2,357,757
2,645,295
2,905,358
3,108,253
3,499,878
4,558,020
4,224,952
4,395,561
4,456,175
5,056,909
4,710,878
4,373,934
3,762,532
3,850,634
4,149,886
4,284,840
30.
Financial assets designated at fair value through profit and loss
83,299
80,762
81,785
84,580
84,307
82,779
83,490
82,094
86,639
101,303
106,446
109,422
110,249
108,122
126,416
138,983
149,899
151,919
148,427
147,244
151,450
161,432
189,339
206,181
216,089
235,043
253,922
271,438
301,382
349,963
370,985
402,594
401,682
426,776
513,403
605,770
669,130
802,729
863,344
889,359
974,666
1,039,932
1,182,012
1,260,735
1,316,622
1,496,670
1,673,072
1,816,842
1,825,708
40.
Financial assets available for sale
12,076,053
12,003,211
11,608,567
11,211,255
10,433,222
10,009,044
9,511,427
8,657,467
8,022,164
8,346,530
8,296,471
7,589,460
6,944,927
6,844,522
6,920,238
6,400,095
6,630,062
5,915,811
5,831,204
5,294,000
4,679,402
4,659,893
4,028,249
3,271,131
2,605,192
2,552,147
1,926,493
1,747,433
1,709,432
1,509,605
1,352,865
939,031
826,325
770,300
726,963
705,211
649,802
715,395
1,127,988
1,120,914
1,213,156
1,196,952
1,248,724
1,367,423
1,432,489
1,361,090
1,395,547
1,790,135
1,657,215
50.
Financial assets held to maturity
2,637,135
2,657,986
2,614,287
2,617,027
2,515,993
2,554,580
2,649,908
2,662,059
2,663,859
2,545,547
2,459,678
2,521,902
2,213,497
1,576,633
1,344,268
1,282,026
1,207,868
1,203,539
1,222,451
1,211,586
818,050
704,848
679,550
686,013
693,502
691,762
696,608
703,281
705,154
702,736
707,885
714,289
558,738
404,977
258,409
200,889
-
-
-
-
-
-
-
-
-
-
-
-
-
60.
Due from banks
3,012,515
3,038,392
3,497,504
3,260,232
1,331,811
1,123,966
1,045,431
966,175
1,087,313
1,288,965
1,476,213
1,345,670
1,709,298
2,028,140
1,611,930
1,861,654
1,587,781
1,702,179
2,352,568
1,896,971
2,250,781
2,293,024
1,966,586
2,384,661
2,832,122
2,944,967
2,706,546
2,746,796
1,888,687
1,980,450
2,131,353
2,122,523
2,431,588
4,145,941
3,598,308
4,055,027
3,793,630
4,034,280
2,543,721
3,086,724
3,276,588
2,867,339
2,970,552
2,503,869
3,900,048
3,984,822
4,058,236
3,139,829
2,038,230
70.
Loans to customers
47,814,808
46,907,214
46,996,709
45,693,770
45,494,179
43,630,200
43,989,709
44,048,428
43,702,561
43,449,783
43,426,478
43,865,112
43,919,681
44,580,918
45,416,633
45,849,318
46,514,738
47,207,476
47,610,427
48,684,469
48,048,735
48,369,312
48,539,948
47,923,357
48,186,287
48,350,993
48,121,158
47,830,169
47,780,029
47,211,196
45,800,608
45,160,805
45,441,602
43,148,337
43,211,758
42,539,968
40,213,435
38,820,706
38,305,334
36,225,213
35,390,831
33,940,281
33,535,746
32,256,593
31,274,014
30,230,480
29,809,388
29,254,485
30,626,393
80.
Hedging derivatives
54,061
73,817
72,532
55,941
62,365
73,120
72,904
57,330
38,182
46,520
41,836
46,252
36,744
38,910
29,530
11,782
3,751
2,381
2,246
2,416
-
4
108
513
-
-
124
906
556
21,759
141,395
96,475
18,705
68,737
55,033
229,595
782,481
328,427
2,154
45,516
0
0
0
0
0
-
-
0
0
90.
Remeasurement of financial assets backed by general hedges (+/-)
- 0
- 0
- 0
- 0
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
827
1,060
1,112
978
906
870
769
-
-
0
0
0
0
0
-
-
0
0
100.
Equity investments
454,367
444,409
437,812
418,581
413,923
434,824
430,571
438,110
415,200
257,451
264,493
255,311
257,660
257,701
253,609
254,197
250,970
257,371
259,124
266,294
269,094
267,401
269,902
285,149
281,806
306,586
312,125
341,486
336,720
329,222
343,862
351,376
333,215
200,115
198,262
354,201
381,753
367,217
367,551
396,657
396,565
373,032
363,583
379,123
245,323
213,560
237,355
238,542
90,312
120.
Property, plant and equipment
1,063,483
1,060,591
1,061,580
963,714
969,470
950,517
931,908
934,901
941,121
948,095
953,158
1,021,064
1,028,931
1,020,055
1,023,525
1,013,735
1,022,430
982,487
987,531
994,328
984,217
971,068
975,741
983,511
989,727
993,178
995,021
997,070
997,107
1,006,307
1,002,056
978,138
981,115
977,451
970,754
967,834
963,133
929,215
928,316
925,445
924,344
936,225
920,810
918,279
918,880
928,613
930,343
926,561
930,766
130.
Intangible assets
506,627
514,829
514,178
512,273
517,833
505,219
503,616
509,976
515,164
490,939
491,761
493,198
498,009
486,593
487,322
487,625
491,215
475,991
477,528
477,684
467,488
459,115
459,231
459,122
457,446
509,675
510,363
510,645
510,770
503,362
495,289
499,035
500,766
497,760
497,995
482,294
367,958
258,355
256,553
255,145
254,583
253,855
253,658
253,719
253,873
254,133
265,284
294,587
294,591
of which: goodwill
327,084
355,441
355,441
361,505
361,505
377,141
377,141
380,395
380,395
380,395
380,395
380,416
380,416
380,416
380,416
380,416
380,416
383,045
383,045
383,045
375,935
375,947
375,947
376,184
376,029
437,318
441,753
441,771
445,543
443,169
443,201
448,620
451,814
476,037
476,086
461,030
347,718
239,773
239,810
240,005
240,006
240,482
240,539
240,796
240,905
241,119
253,652
282,488
282,595
140.
Tax assets
1,848,127
1,773,988
1,873,656
1,460,712
1,518,027
1,375,691
1,446,130
1,399,410
1,471,928
1,308,631
1,357,683
1,281,670
1,361,322
1,183,068
1,213,905
1,174,233
1,184,567
987,426
1,069,469
960,300
957,066
731,504
722,957
650,766
694,047
534,504
503,585
489,665
525,540
570,281
563,373
691,936
449,927
502,122
482,507
639,223
564,335
344,940
334,048
460,316
462,450
348,140
347,660
444,614
445,892
298,397
298,682
403,051
404,928
a)
current
575,441
492,027
473,789
161,626
221,395
142,332
209,914
144,354
208,238
73,252
138,951
96,740
181,989
78,464
135,806
88,894
145,989
64,270
113,581
71,964
113,483
26,521
22,207
25,706
43,040
31,464
34,528
35,195
77,091
131,956
133,890
281,826
53,478
168,827
159,024
351,170
345,593
144,725
143,748
292,219
296,095
129,797
128,858
231,086
231,065
103,192
102,650
189,681
187,808
b)
deferred
1,272,686
1,281,961
1,399,867
1,299,086
1,296,632
1,233,359
1,236,216
1,255,056
1,263,690
1,235,379
1,218,732
1,184,930
1,179,333
1,104,604
1,078,099
1,085,339
1,038,578
923,156
955,888
888,336
843,583
704,983
700,750
625,060
651,007
503,040
469,057
454,470
448,449
438,325
429,483
410,110
396,449
333,295
323,483
288,053
218,742
200,215
190,300
168,097
166,355
218,343
218,802
213,528
214,827
195,205
196,032
213,370
217,121
b1) of which law 214/2011
1,021,455
1,064,624
1,161,212
1,068,205
1,073,172
1,035,097
1,046,584
1,059,926
1,072,618
1,050,668
1,041,460
1,022,979
1,018,156
951,053
927,358
938,763
893,224
785,990
810,809
760,792
715,316
-
-
-
-
-
-
-
-
150.
Non-current assets and disposal groups held for sale
- 0
- 0
7,653
- 0
-
-
-
-
-
2,817
2,817
2,817
2,817
2,817
2,817
2,817
2,817
2,817
5,307
2,817
18,329
62,223
54,145
54,918
45,820
44,222
48,269
44,293
116,419
126,556
41,895
3,901,295
3,891,307
3,643,577
3,673,021
12,632
8,274
8,000
8,000
9,922
10,346
8,000
13,187
13,500
13,643
-
149,396
-
-
160.
Other assets
704,899
672,707
733,158
539,651
574,175
820,876
676,116
540,538
1,136,326
665,393
767,777
656,629
1,085,733
986,062
1,056,303
828,765
1,105,493
967,758
968,225
727,999
907,165
994,103
785,449
816,376
898,219
796,510
744,332
972,931
889,203
742,123
814,640
858,849
949,608
735,751
806,570
754,773
779,932
784,208
826,752
819,981
760,618
630,183
753,450
698,610
712,081
630,549
811,271
778,959
871,036
Total assets
71,338,807
70,296,773
70,512,244
67,883,801
64,957,028
62,632,791
62,450,390
61,407,556
61,261,231
60,658,489
60,924,918
60,604,875
60,652,920
60,482,619
60,930,915
60,711,085
61,758,052
61,438,402
62,577,865
62,398,464
61,637,758
61,881,304
61,043,986
60,150,647
60,487,931
60,451,064
59,353,760
59,271,686
58,498,416
57,928,118
56,821,304
59,625,948
59,360,483
58,288,114
58,069,043
54,840,337
52,772,092
51,294,695
50,561,378
48,832,440
48,544,033
46,353,785
46,950,580
45,076,191
45,257,632
43,429,059
43,746,737
43,045,741
43,364,456
(in thousands of Euro)
Liabilities and shareholders' equity
2005
31.12.2017
30.09.2017
31.03.2017
31.03.2017
31.12.2016
30.09.2016
30.06.2016
31.03.2016
31.12.2015
30.09.2015
30.06.2015
31.03.2015
31.12.2014
30.09.2014
30.06.2014
31.03.2014
31.12.2013
30.09.2013
30.06.2013
31.03.2013
31.12.2012
30.09.2012
30.06.2012
31.03.2012
31.12.2011
30.09.2011
30.06.2011
31.03.2011
31.12.2010
30.09.2010
30.06.2010
31.03.2010
31.12.2009
30.09.2009
30.06.2009
31.03.2009
31.12.2008
30.09.2008
30.06.2008
31.03.2008
31.12.2007
30.09.2007
30.06.2007
31.03.2007
31.12.2006
30.09.2006
30.06.2006
31.03.2006
31.12.2005
12754775
12754775
10.
Due to banks
12,984,226
12,754,775
12,525,199
12,888,622
9,462,678
8,353,142
8,086,124
6,497,622
5,522,992
5,728,139
6,091,707
6,849,585
6,479,558
5,440,294
7,316,650
6,758,626
7,820,719
8,035,535
9,192,032
7,810,745
7,269,461
8,525,498
7,951,304
6,251,832
5,210,768
5,321,825
3,311,069
3,009,642
3,698,165
2,806,726
2,411,116
2,730,888
2,190,602
2,302,306
2,144,092
2,476,204
1,160,379
2,108,065
2,864,148
2,285,596
2,104,978
1,747,364
2,114,347
1,739,877
1,729,437
1,629,239
1,553,719
1,955,745
2,490,118
20.
Due to customers
42,694,078
41,092,910
40,105,854
38,251,219
38,912,714
36,319,209
35,954,498
36,009,324
35,887,658
34,375,105
34,661,323
33,132,463
33,964,259
33,284,854
32,509,875
33,082,762
33,681,447
32,504,053
32,836,106
33,079,866
32,288,488
30,976,706
29,731,537
29,122,250
30,705,177
30,420,970
31,227,300
31,947,040
32,901,629
32,942,589
32,216,825
30,556,805
30,905,724
28,683,125
28,682,213
27,989,032
28,029,033
27,140,069
26,668,586
25,551,127
26,513,502
25,715,663
26,132,069
24,734,275
25,482,850
24,299,198
24,276,742
23,226,235
23,984,084
30.
Debt securities in issue
7,504,019
8,147,877
8,452,606
8,280,969
8,587,243
8,845,379
9,269,179
9,835,347
10,494,565
10,908,398
10,515,755
11,074,649
10,518,262
11,081,692
11,106,518
10,716,050
10,186,690
9,818,702
10,204,479
10,802,537
11,047,786
10,876,432
12,229,092
13,536,333
13,759,886
13,201,024
13,377,643
13,149,138
12,686,443
11,893,287
12,832,741
13,682,526
14,309,263
15,619,998
15,394,369
15,968,641
15,779,492
14,710,843
13,525,226
13,476,419
12,496,233
11,710,010
11,252,846
10,995,427
10,504,892
10,474,834
10,440,893
10,621,122
9,791,326
40.
Financial liabilities held for trading
169,459
242,156
194,074
319,138
226,837
264,613
271,429
259,206
242,149
262,689
252,835
295,376
243,210
242,324
225,570
214,552
198,059
196,530
191,908
211,879
216,864
223,765
222,409
196,275
212,733
194,318
161,281
201,050
154,738
182,809
197,385
196,892
121,070
116,200
108,904
114,347
72,245
46,573
56,779
53,355
136,966
133,442
225,139
132,712
199,690
133,884
137,579
109,319
103,619
50.
Financial liabilities designated at fair value through profit and loss
48,320
70,515
70,016
69,591
247,933
409,037
440,975
579,399
873,558
890,720
982,518
1,087,772
1,700,614
1,909,806
2,096,066
2,442,213
2,952,035
3,143,502
3,211,702
3,525,410
3,865,649
4,137,015
4,175,480
4,277,950
4,115,072
4,013,773
3,978,857
3,764,710
2,695,583
2,597,084
2,533,439
2,222,096
1,785,656
1,502,747
1,476,448
1,420,849
1,423,947
1,041,721
1,088,761
1,161,036
1,125,612
1,133,356
1,197,982
1,307,189
1,377,862
1,403,961
1,425,903
1,432,585
1,429,680
60.
Hedging derivatives
24,383
24,445
38,536
42,196
40,697
48,453
42,888
31,252
23,715
21,846
32,451
18,718
12,986
19,199
35,834
35,573
37,825
39,920
34,357
40,670
37,661
39,223
30,153
31,978
33,336
28,867
20,541
21,032
19,098
18,263
14,138
2
83,164
124,105
401,220
409,922
90,286
2,669
197,487
22,855
-
-
-
-
-
-
-
-
-
80.
Tax liabilities:
106,218
106,289
100,509
90,479
97,996
125,683
119,846
112,903
109,013
137,420
113,299
-
118,794
198,431
167,522
214,337
134,873
165,348
175,223
229,073
169,626
240,102
127,661
193,571
100,730
151,367
87,274
85,086
57,457
234,781
163,753
361,083
93,167
277,374
199,166
454,693
330,314
259,578
185,753
398,368
363,618
320,577
245,604
452,344
375,174
288,950
215,299
417,015
345,564
a) current
2,258
2,563
2,857
2,748
1,715
2,285
4,391
-
3,911
16,953
2,641
148,368
5,263
31,619
5,244
67,048
12,405
57,820
73,739
88,866
46,426
135,166
58,246
117,436
41,067
94,221
36,007
35,982
6,460
182,629
115,987
311,556
45,683
228,792
151,090
407,093
282,038
219,598
145,942
352,740
315,160
261,564
181,909
377,391
299,382
217,038
139,854
328,912
270,155
b) deferred
103,960
103,726
97,652
87,731
96,281
123,398
115,455
112,903
105,102
120,467
110,658
6,698
113,531
166,812
162,278
147,289
122,468
107,528
101,484
140,207
123,200
104,936
69,415
76,135
59,663
57,146
51,267
49,104
50,997
52,152
47,766
49,527
47,484
48,582
48,076
47,600
48,276
39,980
39,811
45,628
48,458
59,013
63,695
74,953
75,792
71,912
75,445
88,103
75,409
90.
Liabilities associated with non-current assets held for sale
-
-
-
-
-
-
- 0
-
-
-
-
141,670
-
- 0
-
-
-
-
-
-
8,800
38,112
36,203
36,203
36,203
39,061
41,983
1,893
98,326
119,404
-
3,668,879
3,687,693
3,440,122
3,465,989
27
-
-
-
-
-
-
-
-
-
-
107,081
-
-
100.
Other liabilities
1,463,452
1,493,556
2,679,904
1,813,132
1,197,062
1,910,632
1,964,342
1,745,558
1,844,715
2,010,975
2,061,161
1,802,891
1,527,412
2,197,885
2,150,531
1,938,832
1,520,458
2,352,135
1,574,376
1,427,214
1,465,718
1,262,963
1,166,309
1,088,536
1,092,968
2,107,772
2,177,252
2,134,951
1,261,260
2,205,904
1,646,941
1,375,535
1,395,299
1,464,872
1,522,892
1,448,244
1,356,103
1,488,702
1,547,909
1,393,296
1,323,256
1,134,378
1,385,191
1,134,091
1,151,227
1,141,798
1,654,490
1,284,073
1,442,437
110.
Provision for termination indemnities
187,536
192,081
198,550
184,950
205,364
210,076
209,736
202,019
200,669
200,289
206,592
215,834
221,919
227,943
221,914
208,040
208,390
206,888
213,331
232,904
223,324
212,319
211,201
204,920
207,585
210,319
212,817
211,841
218,200
232,733
231,826
229,006
229,751
224,394
228,745
241,259
233,972
222,959
226,197
232,079
232,696
232,457
232,982
271,913
271,029
267,156
267,032
284,834
282,716
120.
Provisions for risks and charges
440,385
487,807
512,124
408,409
422,791
428,347
429,549
430,627
410,399
406,206
349,948
366,990
355,775
329,191
323,424
316,864
305,796
279,419
293,763
287,464
281,329
430,273
398,412
371,442
367,083
371,347
376,410
363,632
363,433
356,796
360,890
338,472
338,205
313,886
337,834
330,319
338,040
337,232
326,751
316,231
315,729
343,183
338,852
332,950
327,537
270,948
268,339
286,610
277,480
a)
pensions and similar commitments
137,148
132,636
132,146
133,956
136,409
146,321
143,415
134,474
124,500
125,645
127,258
146,205
145,078
143,663
141,420
129,498
120,859
107,063
106,447
113,790
104,833
253,090
249,616
225,109
227,946
225,729
225,261
217,732
216,577
211,839
211,220
195,193
194,010
165,115
175,435
166,586
167,583
176,708
173,920
167,729
167,643
165,194
165,265
161,616
159,416
135,853
136,979
148,067
144,112
b)
other provisions
303,237
355,171
379,978
274,453
286,382
282,026
286,134
296,153
285,899
280,561
222,690
220,785
210,697
185,528
182,004
187,366
184,937
172,356
187,316
173,674
176,496
177,183
148,796
146,333
139,137
145,618
151,149
145,900
146,856
144,957
149,670
143,279
144,195
148,771
162,399
163,733
170,457
160,524
152,831
148,502
148,086
177,989
173,587
171,334
168,121
135,095
131,360
138,543
133,368
140.
Valuation reserves
110,558
106,658
85,263
57,758
89,951
160,714
148,121
159,450
148,982
352,935
304,482
243,314
186,840
176,205
164,559
158,643
139,472
118,263
113,860
161,713
199,447
184,090
99,917
142,345
49,349
97,795
149,671
174,559
161,824
183,771
178,472
213,547
200,115
220,762
222,942
187,510
164,769
123,565
149,238
143,950
220,052
244,204
300,490
465,092
448,391
411,408
400,918
515,354
402,860
160.
Equity instruments
-
-
-
-
-
-
- 0
-
-
-
-
-
-
- 0
-
-
-
-
-
-
-
- 0
-
-
-
-
-
-
-
- 0
-
-
-
-
-
-
-
-
-
-
-
22,749
23,367
23,987
24,121
32,185
32,217
30,054
30,634
170.
Reserves
2,409,985
2,404,802
2,405,123
2,425,230
2,410,357
2,410,861
2,407,667
2,514,586
2,288,125
2,289,783
2,290,678
2,314,835
2,301,760
2,271,372
2,270,350
2,290,578
2,267,929
2,266,222
2,265,665
2,244,897
2,264,190
2,262,689
2,264,168
2,283,797
2,078,268
2,027,749
2,025,433
2,014,272
1,766,622
1,755,879
1,757,339
1,777,866
1,679,231
1,655,268
1,653,847
1,681,657
1,592,565
1,592,523
1,587,413
1,727,369
1,350,357
1,344,727
1,346,822
1,440,168
1,101,634
1,115,231
1,096,103
1,245,835
976,247
180.
Share premium reserve
930,073
930,073
930,073
930,073
930,073
930,073
930,073
930,073
930,073
930,073
930,073
930,073
930,077
922,256
624,156
624,156
624,156
624,154
624,154
619,463
619,462
619,462
619,462
678,057
675,369
350,108
350,106
350,105
350,105
350,090
350,066
350,074
350,012
350,007
350,079
350,547
350,556
341,305
341,305
341,354
341,353
337,622
335,287
319,967
317,010
152,952
143,488
423,498
423,498
190.
Share capital
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,443,925
1,439,034
1,001,483
1,001,483
1,001,483
1,001,482
1,001,482
998,165
998,165
998,165
998,165
998,164
996,426
761,132
761,131
761,131
761,131
761,117
761,080
761,080
761,080
761,079
761,077
761,077
761,077
757,458
757,458
757,458
757,458
755,992
755,085
749,433
749,433
700,485
697,842
232,614
232,614
200.
Treasury shares
(7,258)
(7,258)
(7,258)
(7,258)
(7,258)
(7,258)
(7,258)
(7,255)
(7,255)
(7,256)
(7,255)
(7,256)
(7,259)
(7,272)
(7,272)
(7,272)
(7,272)
(7,272)
(7,264)
(7,266)
(7,266)
(7,290)
(7,290)
(82,917)
(83,336)
(83,183)
(83,183)
(83,183)
(83,183)
(83,227)
(83,287)
(83,295)
(83,327)
(83,327)
(83,399)
(84,219)
(84,006)
(83,690)
(81,496)
(79,774)
(75,423)
(58,434)
(38,167)
(34,921)
(34,829)
(30,999)
(7,396)
(2,140)
(2,441)
210.
Minority interests
653,010
657,204
658,684
670,810
674,366
678,745
674,554
632,545
627,287
624,656
622,195
642,141
639,991
688,304
687,835
687,376
678,816
679,315
674,155
719,338
700,325
720,073
707,026
732,174
715,675
1,097,605
1,098,081
1,103,236
1,094,461
1,098,911
1,055,605
1,186,504
1,197,991
1,196,029
1,158,899
1,051,307
1,039,657
995,773
971,930
981,240
963,191
946,348
904,896
907,699
885,343
892,335
869,720
902,213
877,687
220.
Profit (loss) for the period pertaining to the Parent Company
176,438
148,958
119,062
14,558
14,299
101,160
64,742
30,975
220,661
82,586
73,231
45,197
14,797
61,101
35,900
28,272
7,176
14,206
(21,464)
14,392
(11,271)
141,707
82,777
87,737
214,639
139,215
80,094
61,551
293,124
271,201
192,975
57,988
115,787
119,167
43,726
38,921
133,663
209,350
147,933
70,481
374,455
290,147
197,788
103,988
346,831
245,494
166,768
80,775
276,333
Total liabilities and shareholders' equity
71,338,807
70,296,773
70,512,244
67,883,801
64,957,028
62,632,791
62,450,390
61,407,556
61,261,231
60,658,489
60,924,918
60,604,875
60,652,920
60,482,619
60,930,915
60,711,085
61,758,052
61,438,402
62,577,865
62,398,464
61,637,758
61,881,304
61,043,986
60,150,647
60,487,931
60,451,064
59,353,760
59,271,686
58,498,416
57,928,118
56,821,304
59,625,948
59,360,483
58,288,114
58,069,043
54,840,337
52,772,092
51,294,695
50,561,378
48,832,440
48,544,033
46,353,785
46,950,580
45,076,191
45,257,632
43,429,059
43,746,737
43,045,741
43,364,456
(*) The Purchase Price Allocation (PPA) process of Cassa di Risparmio di Saluzzo was completed at 30 June 2017. Control over it was acquired in the fourth quarter of 2016 and the purchase price was allocated on a provisional basis at 31 December 2016; in accordance with paragraph 45 of IFRS 3, the conclusion of the process resulted in an adjustment of the figures at 31 December 2016 compared with those previously published, following the identification of intangible assets with a finite useful life for a total of Euro 9,061 thousand, recognition at the same time of deferred tax liabilities of Euro 2,996 thousand and therefore a reduction in the provisionally recorded goodwill of Euro 6,065 thousand.
- 0
income statement HIST
Consolidated income statement
(in thousands of Euro)
Captions
2005
31.12.2017
30.09.2017
30.06.2017
31.03.2017
31.12.2016
30.09.2016
30.06.2016
31.03.2016
31.12.2015
30.09.2015
30.06.2015
31.03.2015
31.12.2014
30.09.2014
30.06.2014
31.03.2014
31.12.2013
30.09.2013
30.06.2013
31.03.2013
31.12.2012
30.09.2012
30.06.2012
31.03.2012
31.12.2011
30.09.2011
30.06.2011
31.03.2011
31.12.2010
30.09.2010
30.06.2010
31.03.2010
31.12.2009
30.09.2009
30.06.2009
31.03.2009
31.12.2008
30.09.2008
30.06.2008
31.03.2008
31.12.2007
30.09.2007
30.06.2007
31.03.2007
31.12.2006
30.09.2006
30.06.2006
31.03.2006
31.12.2005
10.
Interest and similar income
1,416,396
1,065,138
706,601
355,137
1,483,051
1,117,592
758,133
384,670
1,648,399
1,249,343
846,488
431,035
1,908,288
1,454,951
984,333
494,548
2,060,585
1,555,772
1,045,365
522,914
2,196,449
1,655,108
1,113,166
566,498
2,106,791
1,538,199
992,338
479,437
1,838,853
1,363,193
900,283
451,455
2,175,007
1,693,443
1,208,235
629,993
2,904,053
2,139,380
1,388,574
681,667
2,485,190
1,804,739
1,165,757
567,459
1,967,213
1,424,501
920,551
447,766
1,662,499
20.
Interest and similar expense
(291,917)
(214,801)
(136,482)
(67,023)
(312,604)
(241,488)
(167,757)
(87,870)
(420,858)
(324,842)
(224,023)
(116,940)
(616,479)
(476,452)
(325,874)
(164,728)
(770,596)
(591,589)
(408,169)
(211,799)
(886,910)
(674,307)
(456,009)
(229,990)
(776,348)
(549,537)
(341,728)
(156,934)
(549,312)
(403,303)
(266,227)
(133,624)
(835,071)
(679,773)
(508,967)
(290,909)
(1,395,798)
(1,027,184)
(658,860)
(320,848)
(980,258)
(708,495)
(448,940)
(210,921)
(681,611)
(486,662)
(310,128)
(149,589)
(550,927)
30.
Net interest income
1,124,479
850,337
570,119
288,114
1,170,447
876,104
590,376
296,800
1,227,541
924,501
622,465
314,095
1,291,809
978,499
658,459
329,820
1,289,989
964,183
637,196
311,115
1,309,539
980,801
657,157
336,508
1,330,443
988,662
650,610
322,503
1,289,541
959,890
634,056
317,831
1,339,936
1,013,670
699,268
339,084
1,508,255
1,112,196
729,714
360,819
1,504,932
1,096,244
716,817
356,538
1,285,602
937,839
610,423
298,177
1,111,572
40.
Commission income
776,606
570,930
376,627
185,947
745,959
557,443
374,375
185,186
762,474
565,041
377,393
188,020
739,119
552,662
370,233
184,023
751,186
559,585
373,265
184,746
762,806
571,006
378,773
183,096
735,130
546,548
359,679
181,967
745,518
556,362
377,971
188,490
696,373
488,494
298,214
144,200
565,891
370,522
242,504
120,099
505,822
371,193
244,670
120,204
501,731
360,563
260,214
129,394
535,699
50.
Commission expense
(35,978)
(26,904)
(17,403)
(8,574)
(33,237)
(24,522)
(16,257)
(8,103)
(35,781)
(27,344)
(17,540)
(8,817)
(48,455)
(38,172)
(24,755)
(12,573)
(52,928)
(40,099)
(26,454)
(13,457)
(54,865)
(40,576)
(25,247)
(11,292)
(41,436)
(30,429)
(18,693)
(9,757)
(55,394)
(40,677)
(27,143)
(12,292)
(58,406)
(43,031)
(27,907)
(13,060)
(50,000)
(36,956)
(23,640)
(10,894)
(53,977)
(41,031)
(24,912)
(12,594)
(58,327)
(41,608)
(27,916)
(12,330)
(53,375)
60.
Net commission income
740,628
544,026
359,224
177,373
712,722
532,921
358,118
177,083
726,693
537,697
359,853
179,203
690,664
514,490
345,478
171,450
698,258
519,486
346,811
171,289
707,941
530,430
353,526
171,804
693,694
516,119
340,986
172,210
690,124
515,685
350,828
176,198
637,967
445,463
270,307
131,140
515,891
333,566
218,864
109,205
451,845
330,162
219,758
107,610
443,404
318,955
232,298
117,064
482,324
70.
Dividends and similar income
12,416
11,631
11,124
312
9,872
9,156
8,818
86
15,953
14,289
13,832
249
19,392
18,306
18,191
574
24,086
23,530
22,990
575
5,003
4,547
4,208
920
7,298
5,381
4,804
825
5,009
4,789
4,535
1,736
6,139
6,388
5,940
1,088
15,993
15,257
14,452
1,075
22,172
17,630
17,007
954
19,127
18,958
17,519
1,456
17,830
80.
Net trading income
38,015
33,275
19,989
10,920
7,944
(17,706)
(29,757)
(25,801)
32,831
14,995
14,404
20,413
16,533
14,342
9,936
4,290
48,113
32,874
20,358
8,317
98,377
90,382
52,423
72,137
(70,102)
(46,783)
14,783
23,909
(17,586)
(3,010)
(14,320)
14,047
125,598
112,446
65,138
15,591
(68,306)
(12,483)
(14,758)
(2,301)
(102,143)
(56,135)
(35,857)
(6,546)
(59,559)
(41,584)
(26,293)
(13,680)
(51,258)
90.
Net hedging gains (losses)
(493)
(228)
(259)
(300)
(335)
(91)
38
120
(889)
(799)
(165)
355
1,074
835
322
231
(592)
(191)
(206)
(280)
(1,234)
(1,074)
(691)
(329)
(1,182)
(939)
3
74
168
138
91
66
371
601
406
(127)
232
(420)
(251)
432
-
-
-
-
-
-
-
-
-
100.
Gains/losses on disposal or repurchase of:
64,374
37,372
30,386
13,630
107,662
103,674
92,475
37,346
315,466
67,129
44,320
28,438
164,299
126,057
100,421
67,761
165,578
112,496
98,158
24,834
91,980
50,039
33,044
11,984
11,318
11,957
10,104
95
34,316
35,824
34,675
48
18,893
17,742
15,275
13,036
14,833
8,085
7,450
587
39,345
29,342
28,794
20,760
63,779
49,940
43,881
8,894
3,309
a) loans
(12,431)
(13,022)
(7,852)
1,253
(9,748)
(3,461)
1,034
7
4,023
4,205
4,405
3,804
(29,959)
(29,550)
166
107
(929)
(1,215)
(687)
36
(774)
(468)
(346)
169
219
995
987
492
(2,348)
203
619
311
528
322
156
322
1
-
-
-
(5)
(5)
-
1
54
1,022
54
15
38
b) financial assets available for sale
76,024
49,871
37,844
12,378
118,627
108,280
92,447
38,237
313,171
63,626
40,578
25,092
194,546
155,607
100,214
67,430
162,054
110,062
97,421
23,417
68,014
25,990
10,726
11,077
5,346
5,408
4,925
(65)
38,315
36,923
34,943
(111)
6,492
5,510
2,934
977
6,618
6,289
6,230
12
40,032
30,579
30,656
20,282
62,636
48,245
43,533
8,902
11,790
c) financial assets held to maturity
316
316
316
- 0
-
-
-
-
221
208
208
(92)
-
-
-
-
-
-
-
-
(179)
(179)
(179)
(179)
-
1
-
9
-
-
-
-
(12)
(13)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
d) financial liabilities
465
207
78
(1)
(1,217)
(1,145)
(1,006)
(898)
(1,949)
(910)
(871)
(366)
(288)
-
41
224
4,453
3,649
1,424
1,381
24,919
24,696
22,843
917
5,753
5,553
4,192
(341)
(1,651)
(1,302)
(887)
(152)
11,885
11,923
12,185
11,737
8,214
1,796
1,220
575
(682)
(1,232)
(1,862)
477
1,089
673
294
(23)
(8,519)
110.
Net results on financial assets and liabilities designated at fair value
1,238
603
417
414
4,728
4,367
1,970
3,997
476
557
2,962
(3,148)
(14,241)
(11,222)
(990)
(8,982)
(73,990)
(46,820)
(35,445)
(18,215)
(56,748)
(42,310)
(15,612)
(26,380)
129,335
73,950
19,076
(6,004)
30,742
22,016
3,343
5,891
27,978
33,970
29,587
1,153
(103,877)
(56,149)
(35,378)
(23,904)
(17,671)
(5,792)
4,695
4,598
16,016
(1,511)
(6,992)
10,803
43,842
120.
Net interest and other banking income
1,980,657
1,477,016
991,000
490,463
2,013,040
1,508,425
1,022,038
489,631
2,318,071
1,558,369
1,057,671
539,605
2,169,530
1,641,307
1,131,817
565,144
2,151,442
1,605,558
1,089,862
497,635
2,154,858
1,612,815
1,084,055
566,644
2,100,804
1,548,347
1,040,366
513,612
2,032,314
1,535,332
1,013,208
515,817
2,156,882
1,630,280
1,085,921
500,965
1,883,021
1,400,052
920,093
445,913
1,898,480
1,411,451
951,214
483,914
1,768,369
1,282,597
870,836
422,714
1,607,619
130.
Net impairment adjustments to:
(655,916)
(501,074)
(388,415)
(146,307)
(659,064)
(398,511)
(272,082)
(121,511)
(737,800)
(442,825)
(307,758)
(149,972)
(858,219)
(590,576)
(423,485)
(214,710)
(876,547)
(623,106)
(467,815)
(167,766)
(971,924)
(423,654)
(295,027)
(99,622)
(350,132)
(267,209)
(180,925)
(74,767)
(397,784)
(274,209)
(200,494)
(106,276)
(604,981)
(422,305)
(318,506)
(104,482)
(239,820)
(160,751)
(98,951)
(37,442)
(138,736)
(100,567)
(65,322)
(23,448)
(129,201)
(81,546)
(47,814)
(9,890)
(94,895)
a) loans
(535,975)
(412,954)
(323,232)
(133,573)
(619,750)
(400,680)
(276,102)
(114,167)
(705,799)
(424,897)
(297,741)
(147,504)
(812,734)
(580,088)
(416,792)
(211,820)
(781,585)
(591,383)
(439,759)
(161,628)
(958,393)
(419,978)
(289,608)
(98,725)
(344,055)
(259,787)
(175,719)
(75,088)
(377,939)
(263,100)
(192,922)
(103,885)
(581,376)
(406,261)
(309,382)
(102,077)
(204,314)
(147,517)
(96,539)
(36,107)
(140,819)
(98,186)
(64,376)
(23,515)
(129,372)
(80,685)
(47,513)
(10,099)
(94,085)
b) financial assets available for sale
(104,628)
(101,000)
(71,617)
(17,381)
(51,811)
(12,150)
(7,202)
(3,678)
(27,343)
(16,462)
(8,899)
(6,347)
(40,347)
(4,335)
(3,655)
(466)
(58,433)
(4,621)
(3,198)
(670)
(8,839)
(4,828)
(4,873)
(201)
(6,616)
(2,283)
(1,715)
(2)
(10,285)
(7,221)
(3,647)
(975)
(13,515)
(7,554)
(4,106)
(536)
(31,368)
(9,407)
(7)
-
(19)
(12)
(12)
-
(57)
(416)
(71)
-
-
c) financial assets held to maturity
- 0
- 0
- 0
- 0
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
(3,463)
(2,474)
(1,042)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
d) other financial assets
(15,313)
12,880
6,434
4,647
12,497
14,319
11,222
(3,666)
(4,658)
(1,466)
(1,118)
3,879
(5,138)
(6,153)
(3,038)
(2,424)
(36,529)
(27,102)
(24,858)
(5,468)
(4,692)
1,152
(546)
(696)
4,002
(2,665)
(2,449)
323
(9,560)
(3,888)
(3,925)
(1,416)
(10,090)
(8,490)
(5,018)
(1,869)
(4,138)
(3,827)
(2,405)
(1,335)
2,102
(2,369)
(934)
67
228
(445)
(230)
209
(810)
140.
Net profit from financial activities
1,324,741
975,942
602,585
344,156
1,353,976
1,109,914
749,956
368,120
1,580,271
1,115,544
749,913
389,633
1,311,311
1,050,731
708,332
350,434
1,274,895
982,452
622,047
329,869
1,182,934
1,189,161
789,028
467,022
1,750,672
1,281,138
859,441
438,845
1,634,530
1,261,123
812,714
409,541
1,551,901
1,207,975
767,415
396,483
1,643,201
1,239,301
821,142
408,471
1,759,744
1,310,884
885,892
460,466
1,639,168
1,201,051
823,022
412,824
1,512,724
180.
Administrative costs:
(1,372,985)
(1,014,805)
(664,097)
(338,795)
(1,383,303)
(1,017,088)
(687,830)
(343,116)
(1,410,531)
(1,014,720)
(655,844)
(323,806)
(1,316,476)
(969,387)
(659,736)
(322,923)
(1,309,285)
(975,761)
(663,128)
(323,000)
(1,259,466)
(966,095)
(653,826)
(320,719)
(1,286,895)
(961,456)
(654,697)
(317,491)
(1,274,428)
(942,599)
(645,687)
(309,111)
(1,272,228)
(939,879)
(637,546)
(307,297)
(1,182,556)
(867,416)
(580,142)
(278,856)
(1,108,866)
(803,560)
(531,350)
(263,890)
(1,058,320)
(768,699)
(534,006)
(261,161)
(1,033,573)
a) payroll
(783,478)
(577,332)
(385,676)
(194,125)
(769,149)
(574,409)
(398,241)
(196,586)
(825,053)
(628,579)
(396,205)
(199,322)
(786,687)
(577,901)
(397,895)
(196,796)
(787,479)
(591,780)
(406,609)
(198,440)
(769,577)
(600,671)
(403,251)
(197,918)
(785,876)
(588,170)
(406,717)
(197,908)
(778,107)
(574,018)
(399,183)
(191,746)
(771,599)
(565,805)
(383,190)
(187,638)
(717,960)
(532,729)
(355,279)
(173,517)
(677,855)
(492,274)
(320,219)
(165,570)
(653,197)
(476,133)
(331,190)
(162,657)
(640,015)
b) other administrative costs
(589,507)
(437,473)
(278,421)
(144,670)
(614,154)
(442,679)
(289,589)
(146,530)
(585,478)
(386,141)
(259,639)
(124,484)
(529,789)
(391,486)
(261,841)
(126,127)
(521,806)
(383,981)
(256,519)
(124,560)
(489,889)
(365,424)
(250,575)
(122,801)
(501,019)
(373,286)
(247,980)
(119,583)
(496,321)
(368,581)
(246,504)
(117,365)
(500,629)
(374,074)
(254,356)
(119,659)
(464,596)
(334,687)
(224,863)
(105,339)
(431,011)
(311,286)
(211,131)
(98,320)
(405,123)
(292,566)
(202,816)
(98,504)
(393,558)
190.
Net provisions for risks and charges
(30,578)
(20,870)
(11,602)
(5,661)
(28,668)
(27,916)
(22,125)
(9,621)
(52,137)
(52,225)
(36,785)
(14,096)
(38,782)
(27,670)
(19,634)
(6,658)
(29,910)
(20,078)
(18,378)
(5,318)
(29,132)
(10,696)
(8,561)
(4,907)
(22,412)
(19,550)
(16,274)
(7,268)
(30,893)
(23,705)
(17,054)
(6,692)
(22,276)
(14,859)
(15,855)
(3,542)
(31,108)
(17,209)
(9,441)
(8,008)
(20,544)
(24,027)
(17,040)
(4,699)
(39,618)
(20,561)
(15,543)
(6,397)
(30,795)
200.
Net adjustments to property, plant and equipment
(46,124)
(30,895)
(21,124)
(9,076)
(45,709)
(30,237)
(21,087)
(8,983)
(48,336)
(28,410)
(19,115)
(9,944)
(43,765)
(30,847)
(20,655)
(10,402)
(43,730)
(30,426)
(20,236)
(10,081)
(44,848)
(32,163)
(21,729)
(10,315)
(43,471)
(32,295)
(21,658)
(10,695)
(44,106)
(32,077)
(21,458)
(10,387)
(46,452)
(30,197)
(20,041)
(9,582)
(39,326)
(29,016)
(19,255)
(9,228)
(38,840)
(28,962)
(19,053)
(9,240)
(38,874)
(29,031)
(19,290)
(9,527)
(41,933)
210.
Net adjustments to intangible assets
(41,305)
(30,455)
(19,573)
(9,609)
(34,886)
(25,233)
(16,440)
(8,101)
(31,913)
(23,502)
(15,302)
(7,386)
(26,621)
(19,138)
(12,315)
(5,955)
(22,272)
(15,817)
(10,265)
(4,958)
(16,012)
(11,279)
(7,218)
(3,581)
(14,205)
(10,231)
(6,724)
(3,326)
(11,234)
(8,023)
(5,382)
(2,711)
(10,847)
(7,033)
(4,635)
(2,094)
(6,307)
(4,305)
(2,775)
(1,251)
(6,689)
(4,698)
(3,030)
(1,375)
(6,069)
(4,457)
(2,942)
(1,365)
(6,967)
220.
Other operating charges/income
184,365
140,537
85,590
40,291
173,717
134,262
91,272
45,943
175,804
130,417
87,339
46,307
173,268
129,536
91,980
48,455
211,851
162,975
113,587
57,822
143,653
107,690
61,538
31,283
124,384
79,611
53,883
27,367
110,484
80,624
58,049
23,757
97,630
72,750
52,097
24,654
122,121
126,658
86,925
42,497
186,091
131,647
89,098
42,665
161,993
118,078
77,643
37,876
156,909
230.
Operating costs
(1,306,627)
(956,488)
(630,806)
(322,850)
(1,318,849)
(966,212)
(656,210)
(323,878)
(1,367,113)
(988,440)
(639,707)
(308,925)
(1,252,376)
(917,506)
(620,360)
(297,483)
(1,193,346)
(879,107)
(598,420)
(285,535)
(1,205,805)
(912,543)
(629,796)
(308,239)
(1,242,599)
(943,921)
(645,470)
(311,413)
(1,250,177)
(925,780)
(631,532)
(305,144)
(1,254,173)
(919,218)
(625,980)
(297,861)
(1,137,176)
(791,288)
(524,688)
(254,846)
(988,848)
(729,600)
(481,375)
(236,539)
(980,888)
(704,670)
(494,138)
(240,574)
(956,359)
240.
Profit (loss) of equity investments
18,483
142,126
137,254
3,675
8,491
5,081
2,737
3,143
97
(1,459)
5,384
(1,886)
(837)
(1,495)
(3,765)
(973)
(14,948)
(4,415)
(8,205)
(5)
15,191
6,106
5,151
(233)
(43,166)
(18,810)
(18,850)
(2,115)
17,435
805
1,632
189
9,029
5,748
5,744
2,545
(81,173)
2,088
2,234
(53)
27,139
19,932
5,924
(80)
22,652
6,374
7,177
(45)
12,282
260.
Adjustments to goodwill
(28,357)
- 0
- 0
- 0
(32,854)
(3,254)
(3,254)
-
-
-
-
-
-
-
-
-
(112)
-
-
-
(48)
(36)
(36)
-
(61,429)
(138)
(103)
(60)
(3,299)
(205)
(173)
(90)
(187)
(120)
(71)
(19)
(245)
(233)
(196)
(1)
(947)
(471)
(414)
(158)
(1,213)
(999)
(812)
(306)
(998)
265.
Negative goodwill recognised in profit or loss
190,892
-
270.
Gains (losses) on disposal of investments
(12)
29
16
30
(220)
(249)
(367)
50
259
13
16
113
67
26
23
1
335
341
127
88
315
(2,649)
(1,660)
(27)
2,618
848
605
289
542
(266)
321
230
(198)
582
151
182
1,475
930
900
281
1,471
750
828
195
2,289
75
23
14
2,081
280.
Profit (loss) from current operations before tax
199,120
161,609
109,049
25,011
10,544
145,280
92,862
47,435
213,514
125,658
115,606
78,935
58,165
131,756
84,230
51,979
66,824
99,271
15,549
44,417
(7,413)
280,039
162,687
158,523
406,096
319,117
195,623
125,546
399,031
335,677
182,962
104,726
306,372
294,967
147,259
101,330
426,082
450,798
299,392
153,852
798,559
601,495
410,855
223,884
682,008
501,831
335,272
171,913
569,730
290.
Income taxes on current operations
(22,238)
(13,513)
10,183
(7,743)
5,270
(40,631)
(27,793)
(14,104)
5,718
(36,914)
(34,601)
(27,234)
(28,384)
(55,940)
(41,682)
(20,760)
(51,968)
(77,309)
(35,883)
(30,509)
(25,185)
(142,480)
(85,449)
(64,748)
(162,165)
(156,457)
(101,065)
(53,297)
(179,413)
(138,691)
(78,172)
(44,737)
(145,289)
(133,269)
(73,419)
(44,965)
(217,215)
(175,101)
(111,453)
(56,762)
(330,491)
(232,463)
(158,127)
(88,149)
(265,614)
(202,635)
(134,345)
(69,302)
(231,723)
300.
Profit (loss) from current operations after tax
176,882
148,096
119,232
17,268
15,814
104,649
65,069
33,331
219,232
88,744
81,005
51,701
29,781
75,816
42,548
31,219
14,856
21,962
(20,334)
13,908
(32,598)
137,559
77,238
93,775
243,931
162,660
94,558
72,249
219,618
196,986
104,790
59,989
161,083
161,698
73,840
56,365
208,867
275,697
187,939
97,090
468,068
369,032
252,728
135,735
416,394
299,196
200,927
102,611
338,007
310.
Profit (loss) after tax on non-current assets held for sale
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
1,258
1,258
443
1,525
-
482
-
-
(6,572)
2,108
1,506
199
107,739
110,793
110,462
5,813
8,390
9,398
3,890
-
-
-
-
-
-
-
-
-
-
-
-
-
320.
Net profit (loss)
176,882
148,096
119,232
17,268
15,814
104,649
65,069
33,331
219,232
88,744
81,005
51,701
29,781
75,816
42,548
31,219
16,114
23,220
(19,891)
15,433
(32,598)
138,041
77,238
93,775
237,359
164,768
96,064
72,448
327,357
307,779
215,252
65,802
169,473
171,096
77,730
56,365
208,867
275,697
187,939
97,090
468,068
369,032
252,728
135,735
416,394
299,196
200,927
102,611
338,007
330.
Net profit (loss) pertaining to minority interests
(444)
862
(170)
(2,710)
(1,515)
(3,489)
(327)
(2,356)
1,429
(6,158)
(7,774)
(6,504)
(14,984)
(14,715)
(6,648)
(2,947)
(8,938)
(9,014)
(1,573)
(1,041)
21,327
3,666
5,539
(6,038)
(22,720)
(25,553)
(15,970)
(10,897)
(34,233)
(36,578)
(22,277)
(7,814)
(53,686)
(51,929)
(34,004)
(17,444)
(75,204)
(66,347)
(40,006)
(26,609)
(93,613)
(78,885)
(54,940)
(31,747)
(69,563)
(53,702)
(34,159)
(21,836)
(61,674)
340.
Profit (loss) for the period pertaining to the Parent Company
176,438
148,958
119,062
14,558
14,299
101,160
64,742
30,975
220,661
82,586
73,231
45,197
14,797
61,101
35,900
28,272
7,176
14,206
(21,464)
14,392
(11,271)
141,707
82,777
87,737
214,639
139,215
80,094
61,551
293,124
271,201
192,975
57,988
115,787
119,167
43,726
38,921
133,663
209,350
147,933
70,481
374,455
290,147
197,788
103,988
346,831
245,494
166,768
80,775
276,333
-6504
-6504
-6504
-6504
-6504
45197
45197
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Disclaimer
BPER Banca S.p.A. published this content on 04 August 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 05 August 2021 07:45:08 UTC.
BPER Banca S.p.A. is a commercial bank organized around 4 sectors of activity:
- retail banking;
- corporate banking;
- finance and investment banking;
- private banking.
At the end of 2023, the bank had EUR 104.8 billion in current deposits and EUR 101.8 billion in current loans.