Bper Banca S.p.a. · MIL:BPE
Bper Banca — Q1 2023 Earnings Presentation
30 slides from Bper Banca's earnings presentation, May 9, 2023
Slide 1: 1Q23 Consolidated Results
1Q23 Consolidated Results Piero Luigi Montani, CEO 9th May 2023
Slide 2: Disclaimer
Disclaimer This document has been prepared by “BPER Banca” solely for No part of the information contained herein may for any purpose be information purposes, and only in order to present its strategies and reproduced or published as a whole or in part, nor may such main financial figures. informati
Slide 3: Change in the scope of consolidation
Change in the scope of consolidation Change in the scope of consolidation In 2Q22 the BPER Group changed the scope of consolidation following the acquisition of the controlling stake in the share capital of Banca Carige from the Interbank Deposit Protection Fund and the Voluntary Intervention Scheme
Slide 4: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive summary Balance sheet Profit and loss Liquidity and Capital adequacy Final remarks ANNEXES BPER: Gruppo
Slide 5: 1Q23 results executive summary
1Q23 results executive summary • •
Slide 6: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive summary Balance sheet Profit and loss Liquidity and Capital adequacy Final remarks ANNEXES BPER: Gruppo
Slide 7: Total Funding: Direct Deposits
Total Funding: Direct Deposits Balance Sheet
Slide 8: Total Funding: Indirect Deposits
Total Funding: Indirect Deposits Balance Sheet •
Slide 9: Net Customer Loans
Net Customer Loans Balance Sheet •
Slide 10: Asset Quality
Asset Quality Balance Sheet • •
Slide 11: Financial assets portfolio
Financial assets portfolio Balance Sheet
Slide 12: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive summary Balance sheet Profit and loss Liquidity and Capital adequacy Final remarks ANNEXES BPER: Gruppo 12
Slide 13: 1Q23 Profit & Loss
1Q23 Profit & Loss Profit and Loss
Slide 14: Net Interest Income
Net Interest Income Profit and Loss
Slide 15: Net commission income
Net commission income Profit and Loss • •
Slide 16: Operating Costs
Operating Costs Profit and Loss
Slide 17: Loan Loss Provisions and Cost of Risk
Loan Loss Provisions and Cost of Risk Profit and Loss • • •
Slide 18: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive summary Balance sheet Profit and loss Liquidity and Capital adequacy Final remarks ANNEXES BPER: Gruppo 18
Slide 19: Liquidity
Liquidity Liquidity and Capital adequacy
Slide 20: Q/Q Capital walk
Q/Q Capital walk Liquidity and Capital adequacy
Slide 21: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive summary Balance sheet Profit and loss Liquidity and Capital adequacy Final remarks ANNEXES BPER: Gruppo 21
Slide 22: Final remarks
Final remarks ) OPERATING PROFITABILITY UNDERPINNED BY TOP LINE GROWTH ) RESILIENT ASSET QUALITY WITH DECLINING NPE RATIOS AND HIGH COVERAGE ) SOLID CAPITAL AND LIQUIDITY POSITION WELL ABOVE REGULATORY REQUIREMENTS ee AHEAD OF BUSINESS PLAN SCHEDULE IN PROJECTS DELIVERY AND FINANCIAL TARGETS BPER IS
Slide 23: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive summary Balance sheet Profit and loss Liquidity and Capital adequacy Final remarks ANNEXES BPER: Gruppo 23
Slide 24: Volumes breakdown
Volumes breakdown Direct Deposits (€mlIn) Annexes Customer Direct Deposits o/w C/A and sight deposits o/w Bonds o/w Other Institutional Direct funding Total Direct Deposits Net Customer Loans (€mln) Current Accounts Mortgage loans Other Net customer loans o/w Performing o/w Non-Performing 93,810 89,
Slide 25: 2022 P&L
2022 P&L 4Q breakdown of one-offs (€mln) 9M22 4Q22 FY22 FY22 Notes Net interest income - - . Net commission income - - . Core Income - - - Dividends - - - Net income from financial activities - 418.4 +18.4 Gains from securities disposals Otrepetngenenincone aa shag_peno, Posie emu tres (ars tnd umf
Slide 26: Net Customer loans
Net Customer loans Annexes North Centre 59.7% 17.7% South 12.5% Islands 8.9%
Slide 27: Asset quality
Asset quality Asset quality breakdown (excl. debt securities) Annexes Gross exposures (€mln) Mar 22 Jun 22 Sep 22 Dec 22 Mar 23 Chg Q/Q Chg Y/Y comp. %| comp. %| comp. %| comp. % comp. %| Abs. Chg (%)| Abs. Chg (%) Non Performing Exposures (NPEs) 4,008 4.9% 4,088 43% 3,974 4.2% 2,991 3.2%] 3,022 3.3
Slide 28: Financial Assets: highlights
Financial Assets: highlights Annexes
Slide 29: Bond maturities and issuances: highlights
Bond maturities and issuances: highlights Annexes Total figures
Slide 30: Contacts for Investors and Financial Analysts
Contacts for Investors and Financial Analysts