Bper Banca S.p.a. · MIL:BPE
Bper Banca — 9M 2023 Earnings Presentation
32 slides from Bper Banca's earnings presentation, Nov 8, 2023
Slide 1: 9M23 Consolidated Results
9M23 Consolidated Results Piero Luigi Montani, CEO 8th November 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 The assets and liabilities of Banca Carige were included on a line-by-line basis in the Group’s Balance Sheet as at 30 June 2022, while Banca Carige’s contribution has been part of the income statement in full since 3Q22. 20 F
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: 3Q23 Results Executive Summary
3Q23 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 and Indirect Deposits
Total Funding: Direct and Indirect Deposits Balance Sheet
Slide 8: Net Customer Loans
Net Customer Loans Balance Sheet
Slide 9: Asset Quality
Asset Quality Loan book breakdown: stock and coverage (€mln; %) | Se 2 Bad Loans Gross Net Coverage UTPs Gross Net Coverage Past Due Gross Net Coverage Total NPE Gross Net Coverage Performing loans Gross Net Coverage o/w Net Stage 2 Loans Coverage 1,959 961 989 1,020) 953 | -6.6% 433 22 194 190 77.9
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: 3Q23 Profit and Loss
3Q23 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 VS. PREVIOUS Guidance revised upwards reflects the Bank’s strong growth — INCLUDED GUIDANCE NET INTEREST INCOME >3.1€bn | NET COMMISSION INCOME ~ 2.0 €bn mp OPERATING COSTS! ~ 2.7 €bn NEW HR MANOEUVRE (~ 1.000 voluntary exits) ~o.4 €bn NEW 2023 ESTIMATED IMPACT of CCNL RENEWAL COST OF
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 STRONG 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 RE
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: Reclassified Balance Sheet
Reclassified Balance Sheet Annexes
Slide 26: Profit and Loss
Profit and Loss Profit and Loss
Slide 27: 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 28: 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 A% Business sector Customer vs Dec 22 North 59.9% Loans Manufacturing 12.9 14.9% -4.6% 7 Wholesale and retail services, Emilia-Romagna 19.8% .
Slide 29: Asset Quality Details
Asset Quality Details Annexes
Slide 30: Financial Assets: Highlights
Financial Assets: Highlights Annexes
Slide 31: Bond Maturities and Issuances: Highlights
Bond Maturities and Issuances: Highlights Annexes
Slide 32: Contacts for Investors and Financial Analysts
Contacts for Investors and Financial Analysts