Bper Banca S.p.a. · MIL:BPE
Bper Banca — H1 2023 Earnings Presentation
31 slides from Bper Banca's earnings presentation, Aug 2, 2023
Slide 1: 1H23 Consolidated Results
1H23 Consolidated Results Piero Luigi Montani, CEO 2nd August 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 20 February 2023 was the date of closing of the transfer to Banco di Desio e della Brianza of two separate business units consisting of 8 bank branches owned by Banco di Sardegna and 40 branches owned by BPER Banca stemming fr
Slide 4: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive Summary Balance Sheet Profit and Loss Liquidity and Capital Adequacy Guidance Final Remarks ANNEXES BPER: Gruppo
Slide 5: 2Q23 Results Executive Summary
2Q23 Results Executive Summary
Slide 6: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive Summary Balance Sheet Profit and Loss Liquidity and Capital Adequacy Guidance Final Remarks ANNEXES BPER: Gruppo
Slide 7: Total Funding: Direct Deposits and Indirect Deposits
Total Funding: Direct Deposits and Indirect Deposits Balance Sheet
Slide 8: Net Customer Loans
Net Customer Loans Balance Sheet •
Slide 9: Asset Quality
Asset Quality NPE ratios at an all-time low with still high coverage ratios Loan book breakdown: stock and coverage (€mln; %) NPE ratios over time (%) PT naa] aca) Naray fn) QV 43% hom Bad Loans Gross 2,015 961 8d 3.2% -49.4% 3.2% 3.3% Net 491 221 194 -2.0% — -61.3% 2.7% Coverage 75.6% 77.0% 80.4% L
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 Liquidity and Capital Adequacy Guidance Final Remarks ANNEXES BPER: Gruppo "
Slide 12: 2Q23 Profit and Loss
2Q23 Profit and Loss Profit and Loss
Slide 13: Net Interest Income
Net Interest Income Profit and Loss
Slide 14: Net Commission Income
Net Commission Income Profit and Loss • •
Slide 15: Operating Costs
Operating Costs Profit and Loss •
Slide 16: Loan Loss Provisions and Cost of Risk
Loan Loss Provisions and Cost of Risk Profit and Loss • •
Slide 17: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive Summary Balance Sheet Profit and Loss Liquidity and Capital Adequacy Guidance Final Remarks ANNEXES BPER: Gruppo 7
Slide 18: Liquidity
Liquidity Liquidity and Capital Adequacy
Slide 19: Q/Q Capital Walk
Q/Q Capital Walk Liquidity and Capital Adequacy
Slide 20: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive Summary Balance Sheet Profit and Loss Liquidity and Capital Adequacy Guidance Final Remarks ANNEXES BPER: Gruppo 20
Slide 21: FY23 Guidance
FY23 Guidance Guidance’ revised upwards reflects the Bank’s strong growth Vo PREVIOUS NET INTEREST INCOME ~ 2.8 €bn | NET COMMISSION INCOME ~ 2.0 €bn mp OPERATING COSTS ~ 2.7 €bn mp COST OF RISK ~ 60 bps mp NET PROFIT ~1.1€bn | CETir ~14 % | . Guidance is understood as based on recurring figures, he
Slide 22: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive Summary Balance Sheet Profit and Loss Liquidity and Capital Adequacy Guidance Final Remarks ANNEXES BPER: Gruppo 22
Slide 23: 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 — ESS AHEAD OF BUSINESS PLAN SCHEDULE IN PROJECTS DELIVERY AND FINANCIAL TARGETS BPER
Slide 24: Agenda
Agenda BPER GROUP CONSOLIDATED RESULTS Executive Summary Balance Sheet Profit and Loss Liquidity and Capital Adequacy Guidance Final Remarks ANNEXES BPER: Gruppo 24
Slide 25: Volumes Breakdown
Volumes Breakdown Direct Deposits (€mln) Customer Direct Deposits 106,882 107,165 108,848 104,571 103,721 -0.8% 3.0% o/w C/A and sight deposits 101,032 101,073 102,489 97,128 94,171 -3.0% 6.8% o/w Retail bonds 619 561 324 215 570 ns. 7.9% o/w Certificates 495 600 879 1,277 1,425 +11.6% +188.0% o/w O
Slide 26: 2022 Profit and Loss: Breakdown of one-offs
2022 Profit and Loss Breakdown of one-offs Annexes (€min) 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 Other prtig xessinoe sag __s3H9 spon male men
Slide 27: Net Customer Loans: Loan Portfolio Composition
Net Customer Loans Loan Portfolio Composition Net Customer Loans breakdown by sector (€bn) Net Customer Loans breakdown by geographical areas’ (%) % on Total Business sector Jun 23 Customer Ae vs Dec 22 North Loans 6 © Manufacturing 13.4 15.0% -1.1% 7 0.2% Wholesale and retail services, 8.30% — Emil
Slide 28: Asset Quality Details
Asset Quality Details Annexes
Slide 29: Financial Assets: Highlights
Financial Assets: Highlights Annexes
Slide 30: Bond Maturities and Issuances: Highlights
Bond Maturities and Issuances: Highlights Annexes
Slide 31: Contacts for Investors and Financial Analysts
Contacts for Investors and Financial Analysts