Slide 1: FY22 Consolidated Results
FY22 Consolidated Results Piero Luigi Montani, CEO 8th February 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 and Purchase Price Allocation
Change in the scope of consolidation and Purchase Price Allocation Change in the scope of consolidation In 2Q22 the BPER Group changed the scope of consolidation following the acquisition of the controlling stake in Banca Carige’s share capital from the Interbank Deposit Protection Fund and the Volu
Slide 4: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive summary Balance sheet Profit and loss Capital adequacy Final remarks ANNEXES BPER: Gruppo
Slide 5: FY22 results executive summary
FY22 results executive summary • • • •
Slide 6: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive summary Balance sheet Profit and loss Capital adequacy Final remarks ANNEXES BPER: Gruppo
Slide 7: Direct and Indirect Deposits
Direct and Indirect Deposits Balance Sheet • • •
Slide 8: Net Customer Loans
Net Customer Loans Balance Sheet • •
Slide 9: Asset Quality
Asset Quality Balance Sheet • • • •
Slide 10: Financial assets portfolio
Financial assets portfolio Balance Sheet • •
Slide 11: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive summary Balance sheet Profit and loss Capital adequacy Final remarks ANNEXES BPER: Gruppo "
Slide 12: 2022 Profit & Loss
2022 Profit & Loss Profit and Loss
Slide 13: 2022 Profit & Loss – Focus on one-offs
2022 Profit & Loss – Focus on one-offs Profit and Loss 1 2 1 2 3 3 4 4 5 5 6 6 7 7
Slide 14: Net Interest Income
Net Interest Income Profit and Loss +35,3 565,5 +111,5 475,0 -32,5 -23,9 3Q22 Commercial NII Securities portfolio Institutional TLTRO-III 4Q22 funding and other • • •
Slide 15: Net commission income
Net commission income Profit and Loss Banking Services Indirect deposits Bancassurance • •
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 Capital adequacy Final remarks ANNEXES BPER: Gruppo 18
Slide 19: Y/Y Capital walk
Y/Y Capital walk Capital adequacy
Slide 20: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive summary Balance sheet Profit and loss Capital adequacy Final remarks ANNEXES BPER: Gruppo 20
Slide 21: 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 i.e AHEAD OF BUSINESS PLAN SCHEDULE IN PROJECTS DELIVERY AND FINANCIAL TARGETS BPER I
Slide 22: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive summary Balance sheet Profit and loss Capital adequacy Final remarks ANNEXES BPER: Gruppo 22
Slide 23: Volumes breakdown
Volumes breakdown Direct Deposits (€mln) Net Customer Loans (€mln) Annexes Customer Direct Deposits 96,201 93,810 106,882 107,165 108,698 +13.0% Current Accounts 4,969 5,126 6,070 5,819 5,483 +10.3% o/w C/A and sight deposits 91,885 89,413 101,032 101,073 102,489 +11.5% — Mortgage loans 53,621 53,66
Slide 24: 2022 P&L: 4Q breakdown of one-offs
2022 P&L 4Q breakdown of one-offs Annexes (€min) 9M22 4Q22-FY22 FY22 Notes Net interest income - - - Net commission income - - - Core Income a a - Dividends - - - Net income from financial activities - +18.4 +18.4 Gains from securities disposals Ot ptgexesncame “29 ‘9a _tyoo0 Depa! he mrss aes bsp Q
Slide 25: 2021 P&L: 4Q21 breakdown of one-offs
2021 P&L 4Qz21 breakdown of one-offs (€mlIn) M21 4Q21 Annexes FY21 Notes Net interest income Net commission income Core Income Dividends Net income from financial activities Other operating expenses/income -13.0 Operating Income $8.2 Staff costs 48.0 Other administrative expenses 75.8 Depreciations
Slide 26: Provisional Purchase Price Allocation
Provisional Purchase Price Allocation Annexes
Slide 27: Q/Q Capital walk
Q/Q Capital walk Capital adequacy
Slide 28: Net Customer loans
Net Customer loans Annexes North Centre 59.4% 16.3% South 12.1% Islands 8.7%
Slide 29: Asset quality
Asset quality Asset quality breakdown (excl. debt securities) Gross exposures (Emin) Dec 21 Mar 22 Jun 22 Sep 22 Dec 22 Chg Q/Q Chg Y/Y comp. %| comp. %| comp. %| comp. %| comp.%| Abs. Chg (%)|___ Abs. Chg (%) Non Performing Exposures (NPEs) 4,025 4.9%| 4,008 4.9%| 4,088 4.3% 3,974 4.2% 2,991 3.2%|
Slide 30: Financial Assets: highlights
Financial Assets: highlights Annexes
Slide 31: Contacts for Investors and Financial Analysts
Contacts for Investors and Financial Analysts