DISCLAIMER
DISCLAIMER
Questo documento è stato preparato da BPER Banca esclusivamente a scopo informativo e solo per presentare le sue strategie e i principali dati finanziari. Le informazioni contenute in questo documento non sono state oggetto di revisione contabile. Non è possibile fornire alcuna garanzia, esplicita o implicita, sul contenuto del documento, né sulla completezza, correttezza o accuratezza delle informazioni o opinioni qui contenute. BPER Banca, i suoi consulenti e i suoi rappresentanti declinano ogni responsabilità (per negligenza o qualsiasi altra causa) per qualsiasi perdita causata dall'uso di questo documento o dei suoi contenuti. Tutte le previsioni contenute nel presente documento sono state preparate sulla base di ipotesi specifiche che potrebbero rivelarsi errate, nel qual caso i dati effettivi sarebbero diversi da quelli qui riportati. Nessuna parte di questo documento può essere considerata come la base per qualsiasi contratto o accordo. Nessuna parte delle informazioni qui contenute può essere riprodotta o pubblicata in tutto o in parte, né può essere divulgata
SP_riclassificato
Stato patrimoniale riclassficato
RESTATED IAS 40
Voci dell'attivo 30.06.2021 31.12.2020 Variazioni 31.12.2020 - 31.12.2019 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
Cassa e disponibilità liquide 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
Attività finanziarie 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) Attività finanziarie detenute per la negoziazione 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) Attività finanziarie designate al 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) Altre attività finanziarie obbligatoriamente valutate al fair value 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) Attività finanziarie valutate al fair value con impatto sulla redditività complessiva 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) Titoli di debito valutati al costo ammortizzato 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
- banche 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
- clientela 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
Finanziamenti 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) Crediti verso banche 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) Crediti verso clientela 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) Attività finanziarie valutate al fair value con impatto sulla redditivà complessiva 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
Derivati di copertura 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
Partecipazioni 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
Attività materiali 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
Attività immateriali 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
- di cui avviamento 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
Altre voci dell'attivo 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
Totale dell'Attivo 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
Voci 30.06.2021 31.12.2020 Variazioni 31.12.2020 - 31.12.2019 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
Debiti verso banche 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
Raccolta diretta 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) Debiti verso la clientela 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) Titoli in circolazione 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
Passività finanziarie di negoziazione 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
Derivati di copertura 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
Altre voci del passivo 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
Patrimonio di pertinenza di terzi 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
Patrimonio di pertinenza della Capogruppo 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) Riserve da valutazione 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) Riserve 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) Strumenti di capitale 150,000 150,000 - 0.00% 150,000 150,000 150,000 150,000 150,000 150,000 150,000 150,000
d) Riserva sovrapprezzo 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) Capitale 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) Azioni proprie (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) Utile del periodo 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
Totale del passivo e del patrimonio netto 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
I valori comparativi al 31 dicembre 2020 e al 31 marzo 2020, esposti rispettivamente negli schemi di Stato patrimoniale e Conto economico che seguono, includono gli effetti dell'applicazione retroattiva del cambiamento di criterio di valutazione degli immobili detenuti a scopo di investimento.
CE_riclassificato
Conto economico riclassificato
RESTATED IAS 40
Voci 0 30.06.2021 30.06.2020 Variazione 30.06.2021 - 30.06.2020 Var. % 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 31.03.2017
10+20 Margine di interesse 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
di cui componenti IFRS 9* 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 Commissioni nette 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 Dividendi 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 Risultato netto della finanza 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 (*) Altri oneri/proventi di gestione 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
Proventi operativi netti 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) Spese del personale (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) (*) (**) Altre spese amministrative (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 Rettifiche di valore nette su attività materiali e immateriali (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)
Oneri operativi (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)
Risultato della gestione operativa 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) Rettifiche di valore nette su attività al costo ammortizzato (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)
- finanziamenti verso clientela (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)
- altre attività finanziarie 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) Rettifiche di valore nette su attività al 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 Utili (Perdite) da modifiche contrattuali senza cancellazioni (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) - - - - -
Rettifiche di valore nette per rischio di credito (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 Accantonamenti netti ai fondi per rischi e oneri (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)
### Contributi ai fondi SRF, DGS, FITD - SV (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 Utili (Perdite) da investimenti (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 Avviamento negativo 1,149,922 - 1,149,922 - 1,077,869 - - - - - - - - 343,361 353,805 - - - - - - 190,892 130,722 130,722 -
290 Utile (Perdita) della gestione corrente al lordo delle imposte 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 Imposte sul reddito di periodo della gestione corrente (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 Utile (Perdita) di periodo 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 Utile (Perdita) di periodo di pertinenza di terzi (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 Utile (Perdita) di periodo di pertinenza della Capogruppo 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
Al netto di:
Recuperi di imposte 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 92,364 65,193 30,405
Contributi ai fondi SRF, DGS, FITD - SV (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)
I valori comparativi al 31 dicembre 2020 e al 31 marzo 2020, esposti rispettivamente negli schemi di Stato patrimoniale e Conto economico che seguono, includono gli effetti dell'applicazione retroattiva del cambiamento di criterio di valutazione degli immobili detenuti a scopo di investimento.
CE_ricl_TRIM
Conto economico riclassificato
RESTATED IAS 40
Voci 0 1° trimestre 2021 2° trimestre 2021 1° trimestre 2020 2° trimestre 2020 3° trimestre 2020 4° trimestre 2020 1° trimestre 2020 2° trimestre 2020 3° trimestre 2020 4° trimestre 2020 1° trimestre 2019 2° trimestre 2019 3° trimestre 2019 4° trimestre 2019 1° trimestre 2018 2° trimestre 2018 3° trimestre 2018 4° trimestre 2018 1° trimestre 2017 2° trimestre 2017 3° trimestre 2017 4° trimestre 2017
10+20 Margine di interesse 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
di cui componenti IFRS 9 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 Commissioni nette 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 Dividendi 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 Risultato netto della finanza 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 (*) Altri oneri/proventi di gestione 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
Proventi operativi netti 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) Spese del personale (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) (*) (**) Altre spese amministrative (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 Rettifiche/Riprese di valore su attività materiali e immateriali (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)
Oneri operativi (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)
Risultato della gestione operativa 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) Rettifiche di valore nette su attività al costo ammortizzato (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)
- finanziamenti verso clientela (417,667) (159,229) (139,991) (153,846) (106,524) (134,244) (139,991) (153,846) (106,524) (134,244) (90,930) (96,204) (118,223) (146,473) (26,141) (56,547) (70,087) (70,540)
- altre attività finanziarie (1,337) 1,938 438 (3,923) (1,346) (2,441) 438 (3,923) (1,346) (2,441) (33,172) (35,380) (40,189) (76,335) - (2,246) (185) (26)
130 b) Rettifiche di valore nette su attività al 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 Utili (Perdite) da modifiche contrattuali senza cancellazioni (602) (1,177) (195) (247) (182) (1,517) (195) (247) (182) (1,517) (891) (76) (651) (1,361) - (1,183) (1,536) (237) - - - -
Rettifiche di valore nette per rischio di credito (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 Accantonamenti netti ai fondi per rischi e oneri (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)
### Contributi ai fondi SRF, DGS, FITD - SV (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 Utili (Perdite) da investimenti (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)
265 Avviamento negativo 1,077,869 72,053 - - - - - - - - - - 353,805 (10,444) - - - - - 130,722 - 60,170
290 Utile (Perdita) della gestione corrente al lordo delle imposte 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 Imposte sul reddito di periodo della gestione corrente (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 Utile (Perdita) di periodo 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 Utile (Perdita) di periodo di pertinenza di terzi (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 Utile (Perdita) di periodo di pertinenza della Capogruppo 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
Voci al netto di_
(*) Recupero di imposte 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
(**) Contributi al SRF, DGS, FITD-SV (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)
SP_IFRS9_BANKIT
Stato patrimoniale consolidato (Circolare 262/2005 Banca d'Italia)
RESTATED IAS 40
Voci dell'attivo 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 riclassificato
10. Cassa e disponibilità liquide 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. Attività finanziarie valutate al fair value con impatto a conto economico 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) attività finanziarie detenute per la negoziazione 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) attività finanziarie designate al 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) altre attività finanziarie obbligatoriamente valutate al 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. Attività finanziarie valutate al fair value con impatto sulla redditività complessiva 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. Attività finanziarie valutate al costo ammortizzato 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) crediti verso banche 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) crediti verso clientela 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. Derivati di copertura 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. Adeguamento di valore delle attività finanziarie oggetto di copertura generica (+/-) - - - - - - - - - - - - - - - - -
70. Partecipazioni 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. Riserve tecniche a carico dei riassicuratori - - - - - - - - - - - - - - - - -
90. Attività materiali 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. Attività immateriali 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
di cui:
- avviamento 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. Attività fiscali 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) correnti 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) anticipate 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. Attività non correnti e gruppi di attività in via di dismissione 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. Altre attività 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
Totale dell'attivo 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
Voci del passivo e del patrimonio netto 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 riclassificato
10. Passività finanziarie valutate al costo ammortizzato 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) debiti verso banche 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) debiti verso clientela 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) titoli in circolazione 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. Passività finanziarie di negoziazione 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. Passività finanziarie designate al fair value - - - - - - - - - - - - - - - - -
40. Derivati di copertura 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. Adeguamento di valore delle passività finanziarie oggetto di copertura generica (+/-) - - - - - - - - - - - - - - - - -
60. Passività fiscali 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) correnti 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) differite 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. Passività associate ad attività in via di dismissione 161,932 142,631 144,809 144,809 139,340 137,964 129,457 134,077 - - - - - - - - -
80. Altre passività 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. Trattamento di fine rapporto del personale 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. Fondi per rischi e oneri 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) impegni e garanzie rilasciate 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) quiescenza e obblighi simili 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) altri fondi per rischi e oneri 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. Riserve tecniche - - - - - - - - - - - - - - - - -
120. Riserve da valutazione 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 di cui relative ad attività operative cessate - - - - - - - - - - - - - - - - -
130. Azioni rimborsabili - - - - - - - - - - - - - - -
140. Strumenti di capitale 150,000 150,000 150,000 150,000 150,000 150,000 150,000 150,000 150,000 - - - - - - -
150. Riserve 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 di cui acconti su dividendi - - - - - - - - - - - - - - - -
160. Sovrapprezzi di emissione 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. Capitale 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. Azioni proprie (-) (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. Patrimonio di pertinenza di terzi (+/-) 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. Utile (Perdita) d'esercizio (+/-) 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
Totale del passivo e del patrimonio netto 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
I valori comparativi al 31 dicembre 2020 e al 31 marzo 2020, esposti rispettivamente negli schemi di Stato patrimoniale e Conto economico che seguono, includono gli effetti dell'applicazione retroattiva del cambiamento di criterio di valutazione degli immobili detenuti a scopo di investimento.
CE_IFRS_9_BANKIT
Conto economico consolidato (Circolare n. 262/2005 di Banca d'Italia)
RESTATED IAS 40
Voci 30.06.2021 31.03.2021 31.03.2020 31.12.2020 4° trimestre 2020 30.09.2020 3° trimestre 2020 30.06.2020 2° trimestre 2020 31.03.2020 31.12.2019 4° trimestre 2019 30.09.2019 3° trimestre 2019 30.06.2019 2° trimestre 2019 31.03.2019 31.12.2018 4° trimestre 2018 30.09.2018 3° trimestre 2018 30.06.2018 2° trimestre 2018 31.03.2018
10. Interessi attivi e proventi assimilati 850,808 398,172 359,864 1,431,109 344,949 1,086,160 369,814 716,346 356,482 359,864 1,419,767 362,123 1,057,644 396,211 661,433 726,770 330,874 1,375,925 305,070 1,070,855 367,035 703,820 337,279 366,541
20. Interessi passivi e oneri assimilati (122,486) (54,659) (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) (138,573) (56,978) (253,488) (32,725) (220,763) (90,445) (130,318) (57,011) (73,307)
30. Margine di interesse 728,322 343,513 307,971 1,238,876 295,133 943,743 325,492 618,251 310,280 307,971 1,164,539 302,446 862,093 315,909 546,184 588,197 273,896 1,122,437 272,345 850,092 276,590 573,502 280,268 293,234
40. Commissioni attive 832,445 375,117 309,431 1,246,875 344,505 902,370 305,929 596,441 287,010 309,431 1,043,000 322,921 720,079 313,964 406,115 518,606 201,473 812,147 208,495 603,652 196,944 406,708 200,061 206,647
50. Commissioni passive (98,487) (46,985) (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) (55,080) (8,929) (35,882) (9,311) (26,571) (8,919) (17,652) (9,125) (8,527)
60. Commissioni nette 733,958 328,132 267,595 1,072,514 297,690 774,824 262,127 512,697 245,102 267,595 931,950 275,880 656,070 268,316 387,754 463,526 192,544 776,265 199,184 577,081 188,025 389,056 190,936 198,120
70. Dividendi e proventi simili 13,947 1,678 809 18,492 1,099 17,393 4,550 12,843 12,034 809 14,101 451 13,650 3,424 10,226 13,111 539 34,339 20,553 13,786 325 13,461 12,877 584
80. Risultato netto dell'attività di negoziazione 37,951 28,097 (21,287) (14,220) 1,576 (15,796) 589 (16,385) 4,902 (21,287) 180 23,734 (23,554) (5,558) (17,996) (27,306) 3,752 1,812 (23,405) 25,217 8,735 16,482 17,328 (846)
90. Risultato netto dell'attività di copertura (1,221) (1,172) (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) (2,732) (1,446) 1,621 (371) 1,992 (418) 2,410 1,961 449
100. Utili (perdite) da cessione o riacquisto di: 47,648 40,583 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 91,090 19,115 91,925 (60,884) 152,809 4,831 147,978 4,073 143,905
a) attività finanziarie valutate al costo ammortizzato 38,415 35,867 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 27,078 12,380 (77,645) (65,730) (11,915) (468) (11,447) (8,780) (2,667)
b) attività finanziarie valutate al fair value con impatto sulla redditività complessiva 9,676 5,108 715 10,356 2,008 8,348 3,806 4,542 3,827 715 77,664 7,353 70,311 45,331 24,980 63,789 6,522 168,662 4,210 164,452 5,197 159,255 12,787 146,468
c) passività finanziarie (443) (392) 144 313 (136) 449 (407) 856 712 144 226 (210) 436 69 367 223 213 908 636 272 102 170 66 104
110. Risultato netto delle altre attività e passività finanziarie valutate al fair value con impatto a conto economico 35,334 8,733 (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) (5,928) 641 8,664 (2,262) 10,926 7,731 3,195 (6,931) 10,126
a) attività e passività finanziarie designate al fair value 771 459 (4,673) (3,683) 483 (4,166) (300) (3,866) 807 (4,673) (8,436) (1,471) (6,965) (8,567) 1,602 (7,538) 573 (4,378) 632 (5,010) (2,067) (2,943) (4,152) 1,209
b) altre attività finanziarie obbligatoriamente valutate al fair value 34,563 8,274 (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) 1,610 68 13,042 (2,894) 15,936 9,798 6,138 (2,779) 8,917
120. Margine di intermediazione 1,595,939 749,564 582,017 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 1,119,958 489,041 2,037,063 405,160 1,631,903 485,819 1,146,084 500,512 645,572
130. Rettifiche/riprese di valore nette per rischio di credito relativo a: (574,609) (418,231) (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) (235,375) (72,064) (223,706) (70,554) (153,152) (70,122) (83,030) (58,652) (24,378)
a)attività finanziarie valutate al costo ammortizzato (576,295) (419,004) (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) (235,536) (72,485) (225,772) (70,566) (155,206) (70,272) (84,934) (58,793) (26,141)
b) attività finanziarie valutate al fair value con impatto sulla redditività complessiva 1,686 773 105 (362) 133 (495) 363 (858) (963) 105 1,256 674 582 553 29 161 421 2,066 12 2,054 150 1,904 141 1,763
140. Utili/perdite da modifiche contrattuali senza cancellazioni (1,779) (602) (195) (2,141) (1,517) (624) (182) (442) (247) (195) (2,979) (1,361) (1,618) (651) (967) (727) (891) (2,956) (237) (2,719) (1,536) (1,183) (1,183) -
150. Risultato netto della gestione finanziaria 1,019,551 330,731 442,374 1,923,667 498,429 1,425,238 527,595 897,643 455,269 442,374 1,775,313 475,371 1,299,942 476,287 823,655 883,856 416,086 1,810,401 334,369 1,476,032 414,161 1,061,871 440,677 621,194
160 Premi netti - - - - 624 (624) (624) - - - - - - - - - - - - - - - - -
170 Saldo altri proventi/oneri della gestione assicurativa - - - - (1,425,238) 1,425,238 1,425,238 - - - - - - - - - - - - - - - - -
180. Risultato netto della gestione finanziaria e assicurativa 1,019,551 330,731 442,374 1,923,667 498,429 1,425,238 527,595 897,643 455,269 442,374 1,775,313 475,371 1,299,942 476,287 823,655 883,856 416,086 1,810,401 334,369 1,476,032 414,161 1,061,871 440,677 621,194
190. Spese amministrative: (1,163,601) (577,775) (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) (762,007) (359,491) (1,442,264) (363,314) (1,078,950) (353,846) (725,104) (363,180) (361,924)
a) spese per il personale (657,203) (302,142) (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) (444,045) (213,631) (821,494) (206,507) (614,987) (194,553) (420,434) (212,900) (207,534)
b) altre spese amministrative (506,398) (275,633) (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) (317,962) (145,860) (620,770) (156,807) (463,963) (159,293) (304,670) (150,280) (154,390)
200. Accantonamenti netti ai fondi per rischi e oneri (30,663) (21,071) 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) (7,207) (1,995) (7,794) 41,336 (49,130) (12,091) (37,039) (25,376) (11,663)
a) impegni e garanzie rilasciate (2,744) (1,082) 1,017 (6,329) (7,034) 705 2,164 (1,459) (2,476) 1,017 9,032 2,195 6,837 5,904 933 5,720 1,117 16,197 (2,646) 18,843 6,920 11,923 (2,041) 13,964
b) altri accantonamenti netti (27,919) (19,989) 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) (12,927) (3,112) (23,991) 43,982 (67,973) (19,011) (48,962) (23,335) (25,627)
210. Rettifiche/riprese di valore nette su attività materiali (67,921) (34,082) (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) (49,035) (20,614) (70,405) (26,505) (43,900) (10,546) (33,354) (23,226) (10,128)
220. Rettifiche/riprese di valore nette su attività immateriali (39,043) (20,372) (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) (26,534) (12,558) (48,534) (13,176) (35,358) (12,387) (22,971) (11,760) (11,211)
230. Altri oneri/proventi di gestione 95,599 42,974 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 96,739 38,083 152,823 27,192 125,631 42,520 83,111 39,803 43,308
240. Costi operativi (1,205,629) (610,326) (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) (748,044) (356,575) (1,416,174) (334,467) (1,081,707) (346,350) (735,357) (383,739) (351,618)
250. Utili (Perdite) delle partecipazioni 515 2,280 34 (2,945) 1,578 (4,523) 1,014 (5,537) (5,571) 34 7,213 (3,326) 10,539 2,201 8,338 6,775 3,764 13,349 4,543 8,806 3,467 5,339 2,569 2,770
260. Risultato netto della valutazione al fair value delle attività materiali e immateriali (23,711) (22,641) - - - - - - - - - - - - - - - - - - - - - -
270. Rettifiche di valore dell'avviamento (230,366) (230,366) - - - - - - - - - - - - - - - (62,344) (62,344) - - - - -
275. Avviamento negativo 1,149,922 1,077,869 - - - - - - - - 343,361 (10,444) 353,805 353,805
280. Utili (Perdite) da cessione di investimenti 278 72 30 866 363 503 126 377 90 287 (602) 1,127 (1,729) (1,786) 57 (1,774) 45 294 147 147 68 79 22 57
290. Utile (Perdita) della operatività corrente al lordo delle imposte 710,560 547,619 17,316 203,622 46,003 157,619 111,004 46,615 30,094 16,521 416,898 (141,040) 557,938 437,390 120,548 494,618 63,320 345,526 (57,752) 403,278 71,346 331,932 59,529 272,403
300. Imposte sul reddito di periodo dell'operatività corrente (191,732) (140,830) (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) (7,679) (12,266) 100,264 124,238 (23,974) (14,206) (9,768) (2,850) (6,918)
310. Utile (Perdita) della operatività corrente al netto delle imposte 518,828 406,789 10,734 270,667 50,686 219,981 104,419 115,562 105,160 10,402 394,452 (143,541) 537,993 428,724 109,269 486,939 51,054 445,790 66,486 379,304 57,140 322,164 56,679 265,485
320. Utile (Perdita) delle attività operative cessate al netto delle imposte - - - - - - - - - - - - - - - - - - - - - - - -
330. Utile (Perdita) di periodo 518,828 406,789 10,734 270,667 50,686 219,981 104,419 115,562 105,160 10,402 394,452 (143,541) 537,993 428,724 109,269 486,939 51,054 445,790 66,486 379,304 57,140 322,164 56,679 265,485
340. Utile (Perdita) di periodo di pertinenza di terzi (17,020) (6,523) (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) (11,985) (3,083) (43,837) (22,659) (21,178) (6,899) (14,279) 183 (14,462)
350. Utile (Perdita) di periodo di pertinenza della capogruppo 501,808 400,266 6,409 245,650 45,031 200,619 95,940 104,679 98,597 6,082 379,583 (143,342) 522,925 422,433 100,492 474,954 47,971 401,953 43,827 358,126 50,241 307,885 56,862 251,023
I valori comparativi al 31 dicembre 2020 e al 31 marzo 2020, esposti rispettivamente negli schemi di Stato patrimoniale e Conto economico che seguono, includono gli effetti dell'applicazione retroattiva del cambiamento di criterio di valutazione degli immobili detenuti a scopo di investimento.
CE_PROFORMA_IAS39
Conto economico riclassificato pro-forma
(in migliaia)
Voci 31.12.2018 Movimenti pro-forma 31.12.2018 pro-forma 31.12.2017 Variazioni Var. %
10+20 Margine di interesse 1,122,437 (76,367) 1,046,070 1,124,479 (78,409) -6.97
40+50 Commissioni nette 776,265 - 776,265 740,628 35,637 4.81
70 Dividendi 34,339 - 34,339 12,416 21,923 176.57
80+90+100+110 Risultato netto della finanza 104,022 - 104,022 103,134 888 0.86
230 Altri oneri/proventi di gestione 44,209 - 44,209 58,190 (13,981) -24.03
Redditività Operativa 2,081,272 (76,367) 2,004,905 2,038,847 (33,942) -1.66
190 a) Spese per il personale (821,494) - (821,494) (783,478) (38,016) 4.85
190 b) Altre spese amministrative (442,431) - (442,431) (425,611) (16,820) 3.95
210+220 Rettifiche/Riprese di valore nette su attività materiali e immateriali (118,939) - (118,939) (87,429) (31,510) 36.04
Costi della gestione (1,382,864) - (1,382,864) (1,296,518) (86,346) 6.66
Risultato della gestione operativa 698,408 (76,367) 622,041 742,329 (120,288) -16.20
130 a) Rettifiche di valore nette su attività al costo ammortizzato (225,772) 73,411 (152,361) (535,975) 383,614 -71.57
130 b) Rettifiche di valore nette su attività al fair value 2,066 - 2,066 (104,628) 106,694 -101.97
Rettifiche/Riprese di valore nette su altre attività finanziarie - 16,197 16,197 (15,313) 31,510 -205.77
140) Utili/perdite da modifiche contrattuali senza cancellazioni (2,956) 2,956 - - - n.s.
Rettifiche di valore nette per rischio di credito (226,662) 92,564 (134,098) (655,916) 521,818 -79.56
200 Accantonamenti netti ai fondi per rischi e oneri (25,194) (16,197) (41,391) (30,578) (10,813) 35.36
### Contributi ai fondi SRF, DGS, FITD-SV (52,325) - (52,325) (37,721) (14,604) 38.72
250+270 +280 Utili (Perdite) delle partecipazioni, da cessione di investimenti e rettifiche di valore dell'avviamento (48,701) - (48,701) (9,886) (38,815) 392.63
Avviamento negativo - - - 190,892 (190,892) -100.00
290 Utile (Perdita) dell'operatività corrente al lordo delle imposte 345,526 - 345,526 199,120 146,406 73.53
300 Imposte sul reddito di periodo dell'operatività corrente 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 Utile (Perdita) di periodo 445,790 - 445,790 176,882 268,908 152.03
340 Utile netto di periodo di pertinenza di terzi (43,837) - (43,837) (444) (43,393) --
350 Utile (Perdita) di periodo di pertinenza della Capogruppo 401,953 - 401,953 176,438 225,515 127.82
CE_PROFORMA_IAS39_TRIM
Conto economico riclassificato trimestralizzato pro-forma
Voci 1° trimestre 2018 pro-forma 2° trimestre 2018 pro-forma 3° trimestre 2018 pro-forma 4° trimestre 2018 pro-forma 1° trimestre 2017 2° trimestre 2017 3° trimestre 2017 4° trimestre 2017
10+20 Margine di interesse 267,597 259,511 259,014 259,948 288,114 282,005 280,218 274,142
40+50 Commissioni nette 198,120 190,936 188,025 199,184 177,373 181,851 184,802 196,602
70 Dividendi 584 12,877 325 20,553 312 10,812 507 785
80+90+100+110 Risultato netto della finanza 153,634 16,431 20,879 (86,922) 24,664 25,869 20,489 32,112
230 Altri oneri/proventi di gestione 11,485 8,174 10,998 13,552 10,310 14,298 23,565 10,017
Redditività Operativa 631,420 487,929 479,241 406,315 500,773 514,835 509,581 513,658
190 a) Spese per il personale (207,534) (212,900) (194,553) (206,507) (194,125) (191,551) (191,656) (206,146)
190 b) Altre spese amministrative (102,285) (109,981) (104,323) (125,842) (96,628) (104,864) (107,465) (116,654)
210+220 Rettifiche/Riprese di valore nette su attività materiali e immateriali (21,339) (34,986) (22,933) (39,681) (18,685) (22,012) (20,653) (26,079)
Costi della gestione (331,158) (357,867) (321,809) (372,030) (309,438) (318,427) (319,774) (348,879)
Risultato della gestione operativa 300,262 130,062 157,432 34,285 191,335 196,408 189,807 164,779
130 a) Rettifiche di valore nette su attività al costo ammortizzato (504) (39,219) (54,232) (58,406) (133,573) (189,659) (89,722) (123,021)
130 b) Rettifiche di valore nette su attività al fair value 1,763 141 150 12 (17,381) (54,236) (29,383) (3,628)
Rettifiche/Riprese di valore nette su altre attività finanziarie 13,964 (2,041) 6,920 (2,646) 4,647 1,787 6,446 (28,193)
Rettifiche di valore nette per rischio di credito 15,223 (41,119) (47,162) (61,040) (146,307) (242,108) (112,659) (154,842)
200 Accantonamenti netti ai fondi per rischi e oneri (25,627) (23,335) (19,011) 26,582 (5,661) (5,941) (9,268) (9,708)
### Contributi ai fondi SRF, DGS, FITD-SV (20,282) (8,670) (23,448) 75 (18,061) 2,114 (20,205) (1,569)
250+270 +280 Utili (Perdite) delle partecipazioni, da cessione di investimenti e rettifiche di valore dell'avviamento 2,827 2,591 3,535 (57,654) 3,705 2,843 4,885 (21,319)
285 Avviamento negativo - - - - - 130,722 - 60,170
290 Utile (Perdita) dell'operatività corrente al lordo delle imposte 272,403 59,529 71,346 (57,752) 25,011 84,038 52,560 37,511
300 Imposte sul reddito di periodo dell'operatività corrente (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 Utile (Perdita) di periodo 265,485 56,679 57,140 66,486 17,268 101,964 28,864 28,786
340 Utile netto di periodo di pertinenza di terzi (14,462) 183 (6,899) (22,659) (2,710) 2,540 1,032 (1,306)
350 Utile (Perdita) di periodo di pertinenza della Capogruppo 251,023 56,862 50,241 43,827 14,558 104,504 29,896 27,480
Asset Quality
Asset quality - Finanziamenti verso la clientela valutati al costo ammortizzato DATO PRO-FORMA CONSIDERATI GLI EFFETTI DELL'OPERAZIONE DI CARTOLARIZZAZIONE SPRING
(in migliaia di 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 RICLASSIFICATO 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
Sofferenze
lordo 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
netto 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
rettifiche 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
svalutazioni dirette 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
copertura con rif. Bilancio 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%
copertura con svalutazioni 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%
Inadempienze probabili (*)
lordo 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
netto 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
rettifiche 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
copertura con rif. Bilancio 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%
Esposizioni scadute
lordo 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
netto 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
rettifiche 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
copertura con rif. Bilancio 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%
TOTALE CREDITI DETERIORATI
lordo 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
netto 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
rettifiche 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
svalutazioni dirette 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
copertura con rif. Bilancio 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%
copertura con svalutazioni 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%
Crediti in Bonis
lordo 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
netto 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
rettifiche 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
copertura con rif. Bilancio 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%
TOTALE CREDITI
lordo 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
netto 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
rettifiche 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
svalutazioni dirette 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
copertura con rif. Bilancio 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%
copertura con svalutazioni 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
Voce 130 a): Rettifiche/Riprese di valore nette per deterioramento di crediti 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
Indici:
- costo del credito (annualizzato) 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%
- sofferenze lorde / crediti lordi verso clientela 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%
- sofferenze nette / crediti netti verso clientela 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%
- inadempienze probabili lorde / crediti lordi verso clientela 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%
- inadempienze probabili nette / crediti netti verso clientela 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%
- esposizioni scadute lorde / crediti lordi verso clientela 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%
- esposizioni scadute nette / crediti netti verso clientela 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%
- crediti deteriorati lordi / crediti lordi verso clientela 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%
- crediti deteriorati netti / crediti netti verso clientela 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%
(*) Per quanto concerne la categoria "Inadempienze Probabili" introdotta con decorrenza 1o gennaio 2015 dalle nuove norme di vigilanza (in particolare la Circolare n. 272 di Banca d'Italia - 7o aggiornamento del 20 gennaio 2015 e la Circolare n. 262 di Banca d'Italia - 4o aggiornamento del 15 dicembre 2015), i valori antecedenti al 2015 sono esposti come aggregazione delle esposizioni classificate come "Incagli" ed "Esposizioni ristrutturate".
TRANSIZIONE IFRS9
AGG
(in migliaia)
Voci dell'attivo 31.12.2017 Impatto IFRS 9 01.01.2018
10. Cassa e disponibilità liquide 420,299 - 420,299
20. Attività finanziarie valutate al fair value con impatto a conto economico 1,326,601 (33,519) 1,293,082
a) attività finanziarie detenute per la negoziazione; 414,294 - 414,294
b) attività finanziarie designate al fair value; 223,192 - 223,192
c) altre attività finanziarie obbligatoriamente valutate al fair value 689,115 (33,519) 655,596
30. Attività finanziarie valutate al fair value con impatto sulla redditività complessiva 13,398,757 151,937 13,550,694
40. Attività finanziarie valutate al costo ammortizzato 51,561,586 (1,133,870) 50,427,716
a) crediti verso banche 3,205,849 (8,937) 3,196,912
b) crediti verso clientela 48,355,737 (1,124,933) 47,230,804
50. Derivati di copertura 54,061 - 54,061
60. Adeguamento di valore delle attività finanziarie oggetto di copertura generica (+/-) - - -
70. Partecipazioni 454,367 - 454,367
80. Riserve tecniche a carico dei riassicuratori - - -
90. Attività materiali 1,063,483 - 1,063,483
100. Attività immateriali 506,627 - 506,627
di cui:
- avviamento 327,084 - 327,084
110. Attività fiscali 1,848,127 (2,516) 1,845,611
a) correnti 575,441 - 575,441
b) anticipate 1,272,686 (2,516) 1,270,170
120. Attività non correnti e gruppi di attività in via di dismissione - - -
130. Altre attività 704,899 - 704,899
Totale dell'attivo 71,338,807 (1,017,968) 70,320,839
(in migliaia)
Voci del passivo e del patrimonio netto 31.12.2017 Impatto IFRS 9 01.01.2018
10. Passività finanziarie valutate al costo ammortizzato 63,230,643 515 63,231,158
a) debiti verso banche 12,984,226 - 12,984,226
b) debiti verso la clientela 42,694,078 - 42,694,078
c) titoli in circolazione 7,552,339 515 7,552,854
20. Passività finanziarie di negoziazione 170,046 - 170,046
30. Passività finanziarie designate al fair value - - -
40. Derivati di copertura 23,795 - 23,795
50. Adeguamento di valore delle passività finanziarie oggetto di copertura generica (+/-) - - -
60. Passività fiscali 106,218 51,038 157,257
a) correnti 2,258 377 2,636
b) differite 103,960 50,661 154,620
80. Altre passività 1,416,660 - 1,416,660
90. Trattamento di fine rapporto del personale 187,536 - 187,536
100. Fondi per rischi e oneri: 487,178 14,340 501,518
a) impegni e garanzie rilasciate 46,793 14,340 61,133
b) quiescenza e obblighi simili 137,148 - 137,148
c) altri fondi per rischi e oneri 303,237 - 303,237
120. Riserve da valutazione 75,089 129,334 204,423
150. Riserve 2,445,454 (1,012,010) 1,433,444
160. Sovrapprezzi di emissione 930,073 - 930,073
170. Capitale 1,443,925 - 1,443,925
180. Azioni proprie (-) (7,258) - (7,258)
190. Patrimonio di pertinenza di terzi (+/-) 653,010 (201,185) 451,825
200. Utile (Perdita) di periodo (+/-) 176,438 - 176,438
Totale del passivo e del patrimonio netto 71,338,807 (1,017,968) 70,320,839
SP 2008 - 2017
Stato patrimoniale consolidato
(in migliaia di Euro)
Voci dell'attivo 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. Cassa e disponibilità liquide 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. Attività finanziarie detenute per la negoziazione 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. Attività finanziarie valutate al fair value 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. Attività finanziarie disponibili per la vendita 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. Attività finanziarie detenute sino alla scadenza 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. Crediti verso banche 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. Crediti verso clientela 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. Derivati di copertura 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 - 0 - 0
90. Adeguamento di valore di attività oggetto di copertura generica - 0 - 0 - 0 - 0 - - - - - - - - - - - - - - - 827 1,060 1,112 978 906 870 769 - - - 0 - 0 - 0 - 0 - 0 - 0 - 0 - 0 - 0
100. Partecipazioni 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. Attività materiali 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. Attività immateriali 506,627 514,829 514,178 512,273 520,829 505,219 503,616 509,976 515,164 490,939 491,761 493,198 498,009 486,593 487,322 487,625 491,215 475,991 477,528 477,684 467,488 459,115 459,231 459,122 457,446 509,675 510,363 510,645 510,770 503,362 495,289 499,035 500,766 497,760 497,995 482,294 367,958 258,355 256,553 255,145 254,583 253,855 253,658 253,719 253,873 254,133 265,284 294,587 294,591
- di cui: avviamento 327,084 355,441 355,441 361,505 355,441 377,141 377,141 380,395 380,395 380,395 380,395 380,416 380,416 380,416 380,416 380,416 380,416 383,045 383,045 383,045 375,935 375,947 375,947 376,184 376,029 437,318 441,753 441,771 445,543 443,169 443,201 448,620 451,814 476,037 476,086 461,030 347,718 239,773 239,810 240,005 240,006 240,482 240,539 240,796 240,905 241,119 253,652 282,488 282,595
140. Attività fiscali 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) correnti 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) anticipate 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) di cui alla Legge 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. Attività non correnti e gruppi di attività in via di dismissione - 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. Altre attività 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
Totale dell'attivo 71,338,807 70,296,773 70,512,244 67,883,801 64,960,024 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 migliaia di Euro)
Voci del passivo e del patrimonio netto 2005 31.12.2017 30.09.2017 31.03.2017 31.03.2017 31.12.2016 30.09.2016 31.03.2016 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. Debiti verso banche 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. Debiti verso clientela 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. Titoli in circolazione 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. Passività finanziarie di negoziazione 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. Passività finanziarie valutate al fair value 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. Derivati di copertura 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. Passività fiscali 106,218 106,289 100,509 90,479 100,992 125,683 119,846 112,903 109,013 137,420 113,299 148,368 118,794 198,431 167,522 214,337 134,873 165,348 175,223 229,073 169,626 240,102 127,661 193,571 100,730 151,367 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) correnti 2,258 2,563 2,857 2,748 1,715 2,285 4,391 - 3,911 16,953 2,641 6,698 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) differite 103,960 103,726 97,652 87,731 99,277 123,398 115,455 112,903 105,102 120,467 110,658 141,670 113,531 166,812 162,278 147,289 122,468 107,528 101,484 140,207 123,200 104,936 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. Passività associate ad attività in via di dismissione - - - - - - 0 - - - - - - - - 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. Altre passività 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. Trattamento di fine rapporto del personale 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. Fondi per rischi e oneri: 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) quiescenza e obblighi simili 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) altri fondi 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. Riserve da valutazione 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. Strumenti di capitale - - - - - - 0 - - - - - - - - 0 - - - - - - - - 0 - - - - - - - - 0 - - - - - - - - - - - 22,749 23,367 23,987 24,121 32,185 32,217 30,054 30,634
170. Riserve 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. Sovrapprezzi di emissione 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. Capitale 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. Azioni proprie (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. Patrimonio di pertinenza di terzi 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. Utile dell'esercizio 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
Totale del passivo e del patrimonio netto 71,338,807 70,296,773 70,512,244 67,883,801 64,960,024 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
(*) Al 30 giugno 2017 si è concluso il processo di Purchase Price Allocation (PPA) della Cassa di Risparmio di Saluzzo, il cui controllo era stato acquisito nel quarto trimestre 2016 e relativamente al quale, al 31 dicembre 2016, si era proceduto ad un'allocazione provvisoria del prezzo di acquisto; la conclusione del processo ha comportato, ai sensi del paragrafo 45 dell'IFRS 3, la modifica dei dati riferiti al 31 dicembre 2016 rispetto a quelli precedentemente pubblicati, a seguito della identificazione di Attività Immateriali a vita utile definita per Euro 9.061 mila, la contestuale rilevazione di Passività Fiscali differite per Euro 2.996 mila e la conseguente riduzione dell'Avviamento provvisoriamente rilevato per Euro 6.065 mila.
CE 2008 - 2017
Conto economico consolidato
(in migliaia di Euro)
Voci 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. Interessi attivi e proventi assimilati 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. Interessi passivi e oneri assimilati (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. Margine di interesse 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. Commissioni attive 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. Commissioni passive (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. Commissioni nette 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. Dividendi e proventi simili 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. Risultato netto dell'attività di negoziazione 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. Risultato netto dell'attività di copertura (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. Utile (perdita) da cessione o riacquisto di: 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) crediti (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) attività finanziarie disponibili per la vendita 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) attività finanziarie detenute sino alla scadenza 316 316 316 - 0 - - - - 221 208 208 (92) - - - - - - - - (179) (179) (179) (179) - 1 - 9 - - - - (12) (13) - - - - - - - - - - - - - - -
d) passività finanziarie 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. Risultato netto delle attività e passività finanziarie valutate al 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. Margine di intermediazione 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. Rettifiche/riprese di valore nette per deterioramento di: (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) crediti (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) attività finanziarie disponibili per la vendita (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) attività finanziarie detenute sino alla scadenza - 0 - 0 - 0 - 0 - - - - - - - - - - - - - - - - - - - - (3,463) (2,474) (1,042) - - - - - - - - - - - - - - - - - - - - - -
d) altre attività finanziarie (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. Risultato netto della gestione finanziaria 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. Spese amministrative: (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) spese per il personale (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) altre spese amministrative (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. Accantonamenti netti ai fondi per rischi e oneri (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. Rettifiche/riprese di valore nette su attività materiali (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. Rettifiche/riprese di valore nette su attività immateriali (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. Altri oneri/proventi di gestione 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. Costi operativi (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. Utili (perdite) delle partecipazioni 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. Rettifiche di valore dell'avviamento (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. Avviamento negativo 190,892 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
270. Utili (perdite) da cessione di investimenti (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. Utile della operatività corrente al lordo delle imposte 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. Imposte sul reddito di esercizio dell'operatività corrente (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. Utile della operatività corrente al netto delle imposte 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. Utile (perdita) dei gruppi di attività in via di dismissione al netto delle imposte - - - - - - - - - - - - - - - - 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. Utile dell'esercizio 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. Utile dell'esercizio di pertinenza di terzi (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. Utile dell'esercizio di pertinenza della capogruppo 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
CE TRIM 2008 - 2017
Conto economico trimestralizzato consolidato
(in migliaia di Euro)
Voci 2005 31.03.2017 2° trimestre 2017 30.06.2017 3° trimestre 2017 30.09.2017 4° trimestre 2017 31.12.2017 31.03.2016 2° trimestre 2016 30.06.2016 3° trimestre 2016 30.09.2016 4° trimestre 2016 31.12.2016 31.03.2015 2° trimestre 2015 30.06.2015 3° trimestre 2015 30.09.2015 4° trimestre 2015 31.12.2015 31.03.2014 2° trimestre 2014 30.06.2014 3° trimestre 2014 30.09.2014 4° trimestre 2014 31.12.2014 31.03.2013 2° trimestre 2013 30.06.2013 3° trimestre 2013 30.09.2013 4° trimestre 2013 31.12.2013 31.03.2012 2° trimestre 2012 30.06.2012 3° trimestre 2012 30.09.2012 4° trimestre 2012 31.12.2012 31.03.2011 2° trimestre 2011 30.06.2011 3° trimestre 2011 30.09.2011 4° trimestre 2011 31.12.2011 31.03.2010 2° trimestre 2010 30.06.2010 3° trimestre 2010 30.09.2010 4° trimestre 2010 31.12. 2010 31.03.2009 2° trimestre 2009 30.06.2009 3° trimestre 2009 30.09.2010 4° trimestre 2009 31.12. 2009 31.03.2008 2° trimestre 2008 30.06.2008 3° trimestre 2008 30.09.2008 4° trimestre 2008 31.12. 2008 31.03.2007 2° trimestre 2007 30.06.2007 3° trimestre 2007 30.09.2017 4° trimestre 2007 31.12. 2007 31.03.2006 2° trimestre 2006 30.06.2006 3° trimestre 2006 30.09.2006 4° trimestre 2006 31.12. 2006
10. Interessi attivi e proventi assimilati 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. Interessi passivi e oneri assimilati (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. Margine di interesse 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. Commissioni attive 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. Commissioni passive (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. Commissioni nette 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. Dividendi e proventi simili 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. Risultato netto dell'attività di negoziazione 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. Risultato netto dell'attività di copertura (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. Utile (perdita) da cessione o riacquisto di: 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) crediti 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) attività finanziarie disponibili per la vendita 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) attività finanziarie detenute sino alla scadenza - 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) passività finanziarie (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. Risultato netto delle attività e passività finanziarie valutate al 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. Margine di intermediazione 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. Rettifiche/riprese di valore nette per deterioramento di: (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) crediti (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) attività finanziarie disponibili per la vendita (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) attività finanziarie detenute sino alla scadenza - 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) altre operazioni finanziarie 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. Risultato netto della gestione finanziaria 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. Spese amministrative: (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) spese per il personale (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) altre spese amministrative (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. Accantonamenti netti ai fondi per rischi e oneri (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. Rettifiche/riprese di valore nette su attività materiali (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. Rettifiche/riprese di valore nette su attività immateriali (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. Altri oneri/proventi di gestione 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. Costi operativi (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. Utili (perdite) delle partecipazioni 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. Rettifiche di valore dell'avviamento - 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)
130,722 - 0 130,722 60,170 190,892
270. Utili (perdite) da cessione di investimenti 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. Utile (perdita) della operatività corrente al lordo delle imposte 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. Imposte sul reddito di periodo dell'operatività corrente (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. Utile (perdita) della operatività corrente al netto delle imposte 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. Utile (perdita) dei gruppi di attività in via di dismissione al netto delle imposte - - - - - - - - 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. Utile (perdita) di periodo 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. Utile (perdita) di periodo di pertinenza di terzi (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. Utile (perdita) di periodo di pertinenza della capogruppo 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
CE RICL 2013 - 2017
Conto economico riclassificato trimestralizzato
(in migliaia di Euro)
Voci 31.03.2017 2° trimestre 2017 30.06.2017 3° trimestre 2017 30.09.2017 4° trimestre 2017 31.12.2017 31.03.2016 2° trimestre 2016 30.06.2016 3° trimestre 2016 30.09.2016 4° trimestre 2016 31.12.2016 31.03.2015 2° trimestre 2015 30.06.2015 3° trimestre 2015 30.09.2015 4° trimestre 2015 31.12.2015 31.03.2014 2° trimestre 2014 30.06.2014 3° trimestre 2014 30.09.2014 4° trimestre 2014 31.12.2014 31.03.2013 2° trimestre 2013 30.06.2013 3° trimestre 2013 30.09.2013 4° trimestre 2013 31.12.2013
10+20 Margine di interesse 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 Commissioni 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 Dividendi 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 Risultato netto della finanza 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 (*) (**) Altri oneri e proventi di gestione 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
Redditività Operativa 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) Spese per il personale (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) (*) (***) Altre spese amministrative (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 Rettifiche/riprese di valore nette su attività materiali e immateriali (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)
Costi della gestione (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)
Risultato della gestione operativa 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) Rettifiche/riprese di valore nette per deterioramento dei crediti (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) Rettifiche/riprese di valore nette per deterioramento di attività finanziarie AFS e HTM (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) Rettifiche/riprese per deterioramento di altre operazioni finanziarie 4,647 1,787 6,434 6,446 12,880 (28,193) (15,313) (3,666) 3,918 252 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)
Rettificheriprese di valore nette per deterioramento (146,307) (242,108) (388,415) (112,659) (501,074) (154,842) (655,916) (121,511) (161,541) (283,052) (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 (****) Accantonamenti netti a fondi per rischi e oneri (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)
### Contributi ai fondi SRF, DGS, FITD (18,061) 2,114 (15,947) (20,205) (36,152) (1,569) (37,721) (15,000) (432) (15,432) (17,607) (44,009) (29,469) (73,478) - (10,250) (10,250) (8,855) (19,105) (47,204) (66,309)
240+260+270 Utili (perdite) da cessione di investimenti e partecipazioni e rettifiche di valore dell'avviamento 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 Avviamento negativo 130,722 130,722 130,722 60,170 190,892
280 Risultato dell'operatività corrente al lordo delle imposte 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 Imposte sul reddito di periodo al lordo dell'operatività corrente (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 Utile (perdita) dei gruppi di attività in via di dismissione al netto delle imposte - - - - - - - - - - - - - - - - - - - - - - - - 1,525 (1,082) 443 815 1,258 - 1,258
320 Utile (Perdita) di periodo 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 Utile netto di pertinenza di terzi (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 Utile (Perdita) di periodo di pertinenza della Capogruppo 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
Al netto di:
(*) Recuperi di imposte indirette 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 29,122 116,458
(**) Recupero garanzia scaduta nell'ambito dell'operazione Tercas - - - - - - - 775 775 - - - - - - -
(***) Contributi ai fondi 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)
(****) Contributi ai fondi 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

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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 07:45:11 UTC.