Fact|Sheet
2015 2015
Fact Sheet
Primo| 9M
trimestre
Results Nine months 2015
>> Results
>> Flash on the first nine months 2015
> Net profit for the nine months of € 125.1 million
> Coverage ratio of doubtful loans increased to 42.1%
> Capital position solid with CET1 ratio Phased-In proforma
at 12.04%
> January
BPER Banca successfully issues a new 7-year € 750 million
Covered Bond
> February
ECB notified the specific capital requirements of BPER Group
“I think that the result achieved in the first nine months
of the year is very positive, with a net profit of 125
million euro, 65% up on the same period of 2014, if
we exclude significant non-recurring costs (54 million
euro) relating to the staff agreement signed last
August with the Trade Unions. This result confirms
that the road taken for the return to a satisfactory and
sustainable level of profitability is the correct one..…”
BPER Group New Industrial Plan 2015-2017
> March
BPER Banca’s draft separate and consolidated financial
statements for 2014 approved. Proposal of a dividend of 2 euro
cents per share
> May
Fitch Ratings revised long-term rating to “BB” and confirmed
short-term rating
Alessandro Vandelli, CEO
Highlights at 09.30.2015
Income Statement *
09.30.2015
09.30.2014
Net interest income
924,501
978,499
-5.52
Net commission income
537,697
514,490
+4.51
Net interest and other banking income
1,558,369
1,641,307
-5.05
Net profit from financial activities
1,115,544
1,050,731
+6.17
88,744
75,816
+17.05
09.30.2015
2014**
ROE
2.24%
0.33%
ROA net profit / total asset
0.15%
0.13%
61.00%
55.19%
Balance sheet *
09.30.2015
12.31.2014
Change%
Loans to customers
43,449,783
43,919,681
-1.07
1,288,965
1,709,298
-24.59
46,174,223
46,183,135
-0.02
Net profit (loss)
Profitability ratios
Cost to income ratio
Due from banks
Direct customer borrowing
> July
100 mln from the BPER Group to SMEs, signed the first
agreement in Europe under the Juncker Planshort-term rating
Change%
Bank borrowing
5,728,139
6,479,558
-11.60
Shareholders Equity
5,092,046
6,241,823
+18.4
BPER Banca successfully issues a new 7-year € 750 million
Covered Bond
> October
The Board of Directors approves the plan to transform BPER
into a joint-stock company
* Thousand of €
** The comparative amounts were determined with reference to the income statement
for the period to 30 June 2014, except that ROE (Return On Equity) which is
presented on an annualised basis.
>> Capital Ratios and main balance sheet
Main balance sheet aggregates at 09.30.2015<<
>> Capital Ratios regulations
€/billion
50
The capital ratios, calculated on the basis
of the standard method are the following :
CET1 Ratio – Phased-in: CET1 Ratio – Fully Phased: Total capital ratio Phased-in: 11,62 %
11,78 %
13,10 %
09-30-2015
Direct deposits: 46.2
Loans:
43.4
Customers indirect: 29.2
Non performing loans: 3.0
40
30
20
10
0,0
Direct deposits
Loans
Customers indirect
€/billion
© Gruppo BPER 2015
Non performing loans
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Fact| Sheet
2015 2015
Fact Sheet
Primo| 9M
trimestre
Business segment and markets
>> BPER Banca’s Share
BPER Banca sector <<
>> Performance
Isin Code: IT0000066123
Segment: Blue Chip
Sectors: Banks
Bloomberg Code: BPE IM
Reuters Code: EMII.MI
9 months %: +28.35%
(from 01-02-2015 to 09-30-2015)
BPER Banca vs Italian market (FTSE Mib)
1 year %: +12.03%
(from 10-01-2014 to 09-30-2015)
>> Ratings
Last review : 18/12/2014
Long term: BBShort term: B
Outlook: Stable
Closing price
01/02/2015
BPER Banca
FTSE Mib
Last review: 19/05/2015
Long-term: BB
Short term: B
Outlook: Stable
Viability Rating: bb
Support Rating : 3
Support rating floor: No floor
19,130.26
%
8.00 +43.37
21,294.98
+11.32
BPER Banca vs main banks
Closing price
01/02/2015
BPER Banca
10.30
Banco Popolare
10.3
UBI Banca
6.08
Banca Pop Milano
0.57
Unicredit
Intesa Sanpaolo
>> Business Plan 2015-2017
09/30/2015
10.30
5.435
2.45
09/30/2015
Var.%
8.00
-22.33
13.22 +28.35
6.34
+4.28
0.883 +54.91
5.57
+2.48
3.15 +28.57
Market Environment 2015-2017
“The new BPER Group: growth, value and proximity in a new Landscape”
business MODEL
risk management
To create a
more Solid Bank
To develop a
more Straighforward
Bank
To create a
more Coherent and
Focused Bank
specialisation
To create a
Quality bank
internal
stakeholders
© Gruppo BPER 2015
allocation of
Strategic resources
5S
Key
stakeholders
BPER is a B
ank thet
place Human Resources
at the heart
external
stakeholder
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Fact|Sheet
2015 2015
Fact Sheet
Primo| 9M
trimestre
BPER Group
>> BPER Banca Corporate bodies
>> Top Management - Update: 09.30.2015
>> Board of Directors
Chariman:
Rag. Ettore Caselli - Chairman
Directors:
Ettore Caselli (*)
Vice chairmen:
Dott. Alessandro Vandelli - CEO
Alberto Marri (*)
Giosue’ Boldrini (*)
Luigi Odorici (*)
Rag. Fabrizio Togni - General Manager
Chief Executive
Officer:
Dott. Eugenio Garavini - Deputy General Manager
Alessandro Vandelli (*)
Dott. Pierpio Cerfogli - Deputy General Manager
Antonio Angelo Arru
Mara Bernardini
Giulio Cicognani
Cristina Crotti
Pietro Ferrari (*)
Elisabetta Gualandri
Giovanpaolo Lucifero
Giuseppe Lusignani
Roberto Marotta
Valeriana Maria Masperi
Fioravante Montanari
Daniela Petitto
Deanna Rossi (*)
Angelo Tantazzi
Vice General Manager e B.o.D. Secretary
Gian Enrico Venturini
Dott. Gian Enrico Venturini - Deputy General Manager
(*) Members of Executive Committee
Branches
>> Territorial presence of BPER Group
BPER is present today in 18 Italian regions, with a
network of more than 1,273 branches.
North
Besides maintaining Representative Offices in Hong Kong
and Shanghai, a number of well and long established
partnerships with top ranking foreign financial institutions,
and a strong network of advisors, the BPER Group is
constantly committed in specific initiatives dedicated
to those markets which are most attractive to Italian
companies planning to expand their business and get bigger
abroad, and can thus be looked at as a strategically for the
internationalisation of enterprises from all perspectives.
432
Centre
192
South
229
Islands
420
Total
1,273
more than 7%
between 2% and 7%
less than 2%
not present
Updated: 09-30-2015
>> BPER Group Structure
Present structure - as of 03.31.2015
Regional Banks
Product Companies
BPER Banca
Asset
Management
Consumer
Banco di Sardegna
Optima Sim
Sardaleasing
Strategic Shareholdings
Alba Leasing (33,5%)
Arca Sgr (19,99%)
Banca di Sassari
Emil-Ro Factor
Cassa di Risparmio di Bra
Divisione
Consumer
Arca Vita (19,67%)
CR Fossano (23,08%)
CR Saluzzo (31,02%)
CR Savigliano (31,01%)
Head of Investor Relations: Gilberto Borghi - Phone +39 059.202.2194 | E-mail: [email protected]
Head of External Relations and CSR Activity: Eugenio Tangerini - Phone +39 059.202.1330 | E-mail: [email protected]
Head of Planning and Control: Alessandro Simonazzi – Phone +39 059.202.2014 | E-mail: [email protected]
Banca popolare dell’Emilia Romagna Cooperative Bank with head office in Modena Via San Carlo, 8/20 Tel. 0039 059/2021111 – Fax 0039059/2022033 - Telex 510031/511204 emipop Bank Registration
no. 4932 – ABI code 5387-6 Parent Company of Banca popolare dell’Emilia Romagna Banking Group Registered in the Register of Banking Group with code 5387.6, since 7 August 1992 http://www.
bper.it - E-mail: [email protected] Tax code, VAT number and Business Register no. 01153230360 Modena Chamber of Commerce no. 222528 Share capital as at 31/12/2014 1,443,925,305.00
Member of the Interbank Deposit Guarantee Fund Ordinary shares listed on the MTA market
© Gruppo BPER 2015
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