Financial statements and reports

Consolidated results as at 31 December 2023
Reclassified consolidated income statement
31.12.2023
31.12.2022
Change %
Net interest income
3.251.817
1.825.893
+78,09%
Net commission income
2.010.426
1.942.080
+3,52%
Operating income
5.493.906
4.258.351
+29,01%
Operating costs
3.077.324
2.787.766
+10,39%
Net operating income
2.416.582
1.470.585
+64,33%
Net impairement losses for credit risk
436.261
606.059
-28,02%
Profit (Loss) for the period pertaining to the Parent Company
1.519.496
1.448.975
+4,87%
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Titolo

Valori in migliaia di euro

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Tabella 3 colonne
Profitability ratios (*)
31.12.2023
31.12.2022
ROE
24,15%
7,94%
ROTE
23,94%
8,30%
Cost to income ratio (*)
56,01%
65,47%
Document title Lorem ipsum
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175

Titolo

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

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Tabella 3 colonne
Structural ratios
31.12.2023
31.12.2022
Number of employees
20.224
21.059
Number of national bank branches
1.635
1.913
Document title Lorem ipsum
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175

Tabella 3 colonne
Risk ratios
31.12.2023
31.12.2022
Non - performing exposures / net loans to customers
1,18%
1,41%
Net bad loans / net loans to customers
0,20%
0,24%
Document title Lorem ipsum
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175

Tabella 3 colonne
Capital and liquidity ratios
31.12.2023 (*)
31.12.2022
CET 1 Ratio
14,46%
12,04%
Tier 1 Ratio
14,74%
12,32%
Total Capital Ratio
18,06%
15,65%
Leverage Ratio
n.d.
4,3%
Document title Lorem ipsum
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175

Titolo

(*) The pro-forma capital ratios have been calculated including the result for the year, net of the pro-quota dividends, thus simulating, in advance, the effects of the authorisation issued by the ECB for the inclusion of these profits in Own Funds pursuant to art. 26, para. 2 of the CRR.

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Tabella 4 colonne
Description
31.12.2023
31.12.2022
Change%
Loans to customers
88.224
91.175
-3,24%
Intangible assets
649
564
+15,17%
of which: goodwill
170
204
-16,82%
Total assets
142.128
152.303
-6,68%
Direct customers deposit
118.767
114.831
+3,43%
Indirect customer deposit
149.021
138.875
+7,31%
of which managedof which administered
65.245
60.597
+7,67%
of which administered
83.776
78.278
+7,02%
Bancassurance Life sector
21.094
24.279
-13,12%
Total shareholders' equity
9.565
8.121
+17,79%
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175

Titolo

value expressed in €/milions

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Financial statements_2023 xlsx 319 KB Vedi Scarica
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