DISCLAIMER
DISCLAIMER |
Questo documento è stato preparato da BPER Banca esclusivamente a scopo informativo e solo per presentare le sue strategie e i principali dati finanziari. Le informazioni contenute in questo documento non sono state oggetto di revisione contabile. Non è possibile fornire alcuna garanzia, esplicita o implicita, sul contenuto del documento, né sulla completezza, correttezza o accuratezza delle informazioni o opinioni qui contenute. BPER Banca, i suoi consulenti e i suoi rappresentanti declinano ogni responsabilità (per negligenza o qualsiasi altra causa) per qualsiasi perdita causata dall'uso di questo documento o dei suoi contenuti. Tutte le previsioni contenute nel presente documento sono state preparate sulla base di ipotesi specifiche che potrebbero rivelarsi errate, nel qual caso i dati effettivi sarebbero diversi da quelli qui riportati. Nessuna parte di questo documento può essere considerata come la base per qualsiasi contratto o accordo. Nessuna parte delle informazioni qui contenute può essere riprodotta o pubblicata in tutto o in parte, né può essere divulgata |
SP_riclassificato
Stato patrimoniale riclassficato | |||||||||||||||||||
RESTATED IAS 40 | |||||||||||||||||||
Voci dell'attivo | 31.03.2021 | 31.12.2020 | Variazioni 31.12.2020 - 31.12.2019 | Var. % | 31.12.2020 | 31.12.2020 | 30.09.2020 | 30.06.2020 | 31.03.2020 | 31.12.2019 | 30.09.2019 | 30.06.2019 | 31.03.2019 | 31.12.2018 | 30.09.2018 | 30.06.2018 | 31.03.2018 | 01.01.2018 | 31.12.2017 |
Cassa e disponibilità liquide | 589,022 | 482,192 | 106,830 | 22.16% | 482,192 | 482,192 | 464,244 | 460,927 | 402,042 | 566,930 | 493,538 | 395,525 | 363,073 | 459,782 | 392,189 | 353,774 | 337,394 | 420,299 | 420,299 |
Attività finanziarie | 26,408,166 | 24,661,915 | 1,746,251 | 7.08% | 24,661,915 | 24,661,915 | 23,212,173 | 22,254,677 | 19,878,531 | 18,956,906 | 18,777,522 | 17,159,152 | 17,370,954 | 17,152,084 | 16,642,362 | 16,328,319 | 15,145,138 | 15,799,267 | 15,661,977 |
a) Attività finanziarie detenute per la negoziazione | 331,893 | 279,009 | 52,884 | 18.95% | 279,009 | 279,009 | 257,216 | 236,699 | 244,181 | 270,374 | 328,291 | 270,204 | 248,886 | 247,219 | 287,687 | 350,388 | 411,047 | 414,294 | 414,294 |
b) Attività finanziarie designate al fair value | 124,643 | 127,368 | (2,725) | -2.14% | 127,368 | 127,368 | 126,045 | 128,690 | 127,032 | 130,955 | 131,594 | 219,702 | 217,361 | 218,662 | 216,810 | 221,625 | 224,689 | 223,192 | 223,192 |
c) Altre attività finanziarie obbligatoriamente valutate al fair value | 798,403 | 765,917 | 32,486 | 4.24% | 765,917 | 765,917 | 703,080 | 707,983 | 672,547 | 692,995 | 662,663 | 557,815 | 579,749 | 662,744 | 909,156 | 849,430 | 610,305 | 655,596 | 689,115 |
d) Attività finanziarie valutate al fair value con impatto sulla redditività complessiva | 6,332,524 | 6,269,818 | 62,706 | 1.00% | 6,269,818 | 6,269,818 | 6,322,985 | 6,451,484 | 6,509,863 | 6,556,202 | 6,911,141 | 7,808,130 | 8,253,832 | 8,560,568 | 9,022,848 | 9,292,312 | 9,860,789 | 13,547,372 | 13,395,435 |
e) Titoli di debito valutati al costo ammortizzato | 18,820,703 | 17,219,803 | 1,600,900 | 9.30% | 17,219,803 | 17,219,803 | 15,802,847 | 14,729,821 | 12,324,908 | 11,306,380 | 10,743,833 | 8,303,301 | 8,071,126 | 7,462,891 | 6,205,861 | 5,614,564 | 4,038,308 | 958,813 | 939,941 |
- banche | 5,162,565 | 4,496,133 | 666,432 | 14.82% | 4,496,133 | 4,496,133 | 4,236,290 | 3,978,372 | 3,237,826 | 2,744,570 | 2,641,906 | 2,384,640 | 2,113,307 | 1,766,169 | 1,511,155 | 1,075,460 | 736,722 | 196,713 | 193,334 |
- clientela | 13,658,138 | 12,723,670 | 934,468 | 7.34% | 12,723,670 | 12,723,670 | 11,566,557 | 10,751,449 | 9,087,082 | 8,561,810 | 8,101,927 | 5,918,661 | 5,957,819 | 5,696,722 | 4,694,706 | 4,539,104 | 3,301,586 | 762,100 | 746,607 |
Finanziamenti | 96,140,767 | 62,888,784 | 33,251,983 | 52.87% | 62,888,784 | 62,888,784 | 60,025,257 | 58,010,131 | 54,953,846 | 54,353,634 | 56,244,776 | 49,158,263 | 48,684,687 | 48,594,875 | 49,660,565 | 48,951,969 | 48,902,545 | 49,472,225 | 50,624,967 |
a) Crediti verso banche | 20,716,710 | 9,856,598 | 10,860,112 | 110.18% | 9,856,598 | 9,856,598 | 7,110,099 | 5,100,751 | 3,893,926 | 2,321,809 | 3,722,040 | 2,616,439 | 2,173,016 | 1,540,509 | 4,009,534 | 3,146,234 | 3,495,614 | 3,000,199 | 3,012,515 |
b) Crediti verso clientela | 75,367,414 | 53,005,879 | 22,361,535 | 42.19% | 53,005,879 | 53,005,879 | 52,889,342 | 52,883,574 | 51,034,124 | 52,006,038 | 52,496,061 | 46,541,824 | 46,511,671 | 47,050,942 | 45,647,637 | 45,802,365 | 45,403,584 | 46,468,704 | 47,609,130 |
c) Attività finanziarie valutate al fair value con impatto sulla redditivà complessiva | 56,643 | 26,307 | 30,336 | 115.32% | 26,307 | 26,307 | 25,816 | 25,806 | 25,796 | 25,787 | 26,675 | - | - | 3,424 | 3,394 | 3,370 | 3,347 | 3,322 | 3,322 |
Derivati di copertura | 127,721 | 57,776 | 69,945 | 121.06% | 57,776 | 57,776 | 49,631 | 49,653 | 53,100 | 82,185 | 65,401 | 53,567 | 33,816 | 35,564 | 57,469 | 50,066 | 51,075 | 54,061 | 54,061 |
Partecipazioni | 230,247 | 225,558 | 4,689 | 2.08% | 225,558 | 225,558 | 220,254 | 218,480 | 225,358 | 225,869 | 251,613 | 453,046 | 450,000 | 446,049 | 444,844 | 448,990 | 456,075 | 454,367 | 454,367 |
Attività materiali | 1,883,796 | 1,366,915 | 516,881 | 37.81% | 1,366,915 | 1,352,690 | 1,345,489 | 1,347,121 | 1,367,636 | 1,369,724 | 1,356,757 | 1,261,800 | 1,270,023 | 1,063,273 | 1,051,767 | 1,056,260 | 1,057,326 | 1,063,483 | 1,063,483 |
Attività immateriali | 465,852 | 702,723 | (236,871) | -33.71% | 702,723 | 702,723 | 660,733 | 657,953 | 660,791 | 669,847 | 612,235 | 431,922 | 438,265 | 445,689 | 495,059 | 497,340 | 499,403 | 506,627 | 506,627 |
- di cui avviamento | 204,392 | 434,758 | (230,366) | -52.99% | 434,758 | 434,758 | 434,758 | 434,758 | 434,758 | 434,758 | 434,758 | 264,740 | 264,740 | 264,740 | 327,084 | 327,084 | 327,084 | 327,084 | 327,084 |
Altre voci dell'attivo | 3,153,328 | 2,675,920 | 477,408 | 17.84% | 2,675,920 | 2,679,200 | 2,640,208 | 2,936,605 | 2,558,012 | 2,808,403 | 2,893,584 | 2,669,393 | 2,486,591 | 2,437,451 | 2,477,622 | 2,610,017 | 2,489,238 | 2,550,510 | 2,553,026 |
Totale dell'Attivo | 128,998,899 | 93,061,783 | 35,937,116 | 38.62% | 93,061,783 | 93,050,838 | 88,617,989 | 85,935,547 | 80,099,316 | 79,033,498 | 80,695,426 | 71,582,668 | 71,097,409 | 70,634,767 | 71,221,877 | 70,296,735 | 68,938,194 | 70,320,839 | 71,338,807 |
Voci | 31.03.2021 | 31.12.2020 | Variazioni 31.12.2020 - 31.12.2019 | Var. % | 31.12.2020 | 31.12.2020 | 30.09.2020 | 30.06.2020 | 31.03.2020 | 31.12.2019 | 30.09.2019 | 30.06.2019 | 31.03.2019 | 31.12.2018 | 30.09.2018 | 30.06.2018 | 31.03.2018 | 01.01.2018 | 31.12.2017 |
Debiti verso banche | 22,258,572 | 20,180,999 | 2,077,573 | 10.29% | 20,180,999 | 20,180,999 | 19,188,980 | 16,600,757 | 14,092,713 | 12,213,133 | 12,353,388 | 12,504,749 | 13,033,898 | 13,126,248 | 12,730,558 | 12,622,968 | 12,626,209 | 12,984,226 | 12,984,226 |
Raccolta diretta | 94,441,876 | 63,140,669 | 31,301,207 | 49.57% | 63,140,669 | 63,140,669 | 59,780,401 | 59,814,831 | 57,136,313 | 58,055,608 | 58,166,847 | 51,029,054 | 50,621,245 | 49,996,419 | 51,184,053 | 49,879,284 | 48,919,211 | 50,246,932 | 50,246,417 |
a) Debiti verso la clientela | 89,372,036 | 58,458,479 | 30,913,557 | 52.88% | 58,458,479 | 58,458,479 | 55,145,698 | 54,457,590 | 51,700,785 | 52,220,719 | 51,769,432 | 45,465,848 | 44,796,953 | 44,594,863 | 44,387,688 | 43,291,051 | 41,900,213 | 42,694,078 | 42,694,078 |
b) Titoli in circolazione | 5,069,840 | 4,682,190 | 387,650 | 8.28% | 4,682,190 | 4,682,190 | 4,634,703 | 5,357,241 | 5,435,528 | 5,834,889 | 6,397,415 | 5,563,206 | 5,824,292 | 5,401,556 | 6,796,365 | 6,588,233 | 7,018,998 | 7,552,854 | 7,552,339 |
Passività finanziarie di negoziazione | 147,324 | 170,094 | (22,770) | -13.39% | 170,094 | 170,094 | 167,410 | 166,835 | 164,498 | 165,970 | 247,347 | 220,086 | 167,982 | 143,824 | 150,490 | 241,013 | 315,365 | 170,046 | 170,046 |
Derivati di copertura | 344,047 | 469,240 | (125,193) | -26.68% | 469,240 | 469,240 | 459,681 | 444,191 | 396,146 | 294,114 | 419,671 | 306,649 | 206,666 | 92,374 | 27,812 | 42,918 | 18,898 | 23,795 | 23,795 |
Altre voci del passivo | 4,977,929 | 2,766,652 | 2,211,277 | 79.93% | 2,766,652 | 2,759,082 | 3,568,127 | 3,553,948 | 3,125,839 | 3,013,126 | 4,075,781 | 2,572,406 | 2,106,145 | 2,379,334 | 2,272,860 | 2,772,599 | 2,223,795 | 2,262,970 | 2,197,592 |
Patrimonio di pertinenza di terzi | 140,657 | 133,983 | 6,674 | 4.98% | 133,983 | 133,935 | 137,257 | 139,442 | 135,791 | 131,662 | 176,160 | 505,929 | 510,166 | 507,457 | 474,455 | 474,358 | 493,872 | 451,825 | 653,010 |
Patrimonio di pertinenza della Capogruppo | 6,688,494 | 6,200,146 | 488,348 | 7.88% | 6,200,146 | 6,196,819 | 5,316,133 | 5,215,543 | 5,048,016 | 5,159,885 | 5,256,232 | 4,443,795 | 4,451,307 | 4,389,111 | 4,381,649 | 4,263,595 | 4,340,844 | 4,181,045 | 5,063,721 |
a) Riserve da valutazione | 240,535 | 118,105 | 122,430 | 103.66% | 118,105 | 118,105 | 53,367 | (2,322) | (71,110) | 37,750 | (39,838) | 15,130 | 14,199 | 949 | 34,557 | 60,974 | 140,229 | 204,422 | 75,089 |
b) Riserve | 2,563,320 | 2,360,743 | 202,577 | 8.58% | 2,360,743 | 2,348,691 | 2,351,088 | 2,405,839 | 2,405,697 | 2,035,205 | 2,088,106 | 1,961,433 | 2,022,397 | 1,619,469 | 1,622,226 | 1,527,996 | 1,582,852 | 1,433,445 | 2,445,454 |
c) Strumenti di capitale | 150,000 | 150,000 | - | 0.00% | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | ||||||||
d) Riserva sovrapprezzo | 1,241,197 | 1,241,197 | - | 0.00% | 1,241,197 | 1,241,197 | 1,002,722 | 1,002,722 | 1,002,722 | 1,002,722 | 999,373 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 |
e) Capitale | 2,100,435 | 2,100,435 | - | 0.00% | 2,100,435 | 2,100,435 | 1,565,596 | 1,561,884 | 1,561,884 | 1,561,884 | 1,542,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 |
f) Azioni proprie | (7,259) | (7,259) | - | 0.00% | (7,259) | (7,259) | (7,259) | (7,259) | (7,259) | (7,259) | (7,259) | (7,258) | (7,258) | (7,258) | (7,258) | (7,258) | (7,258) | (7,258) | (7,258) |
g) Utile del periodo | 400,266 | 236,925 | 163,341 | 68.94% | 236,925 | 245,650 | 200,619 | 104,679 | 6,082 | 379,583 | 522,925 | 100,492 | 47,971 | 401,953 | 358,126 | 307,885 | 251,023 | 176,438 | 176,438 |
Totale del passivo e del patrimonio netto | 128,998,899 | 93,061,783 | 35,937,116 | 38.62% | 93,061,783 | 93,050,838 | 88,617,989 | 85,935,547 | 80,099,316 | 79,033,498 | 80,695,426 | 71,582,668 | 71,097,409 | 70,634,767 | 71,221,877 | 70,296,735 | 68,938,194 | 70,320,839 | 71,338,807 |
I valori comparativi al 31 dicembre 2020 e al 31 marzo 2020, esposti rispettivamente negli schemi di Stato patrimoniale e Conto economico che seguono, includono gli effetti dell'applicazione retroattiva del cambiamento di criterio di valutazione degli immobili detenuti a scopo di investimento. |
CE_riclassificato
Conto economico riclassificato | |||||||||||||||||||||||||
RESTATED IAS 40 | |||||||||||||||||||||||||
Voci | 0 | 31.03.2021 | 31.03.2020 | Variazioni 31.12.2020-31.12.2019 | Var. % | 31.12.2020 | 30.09.2020 | 30.06.2020 | 31.03.2020 | 31.12.2020 | 30.09.2020 | 30.06.2020 | 31.03.2020 | 31.12.2019 | 30.09.2019 | 30.06.2019 | 31.03.2019 | 31.12.2018 | 30.09.2018 | 30.06.2018 | 31.03.2018 | 31.12.2017 | 30.09.2017 | 30.06.2017 | 31.03.2017 |
10+20 | Margine di interesse | 343,513 | 307,971 | 35,542 | 11.54% | 1,238,876 | 943,743 | 618,251 | 307,971 | 1,238,876 | 943,743 | 618,251 | 307,971 | 1,164,539 | 862,093 | 546,184 | 273,896 | 1,122,437 | 850,092 | 573,502 | 293,234 | 1,124,479 | 850,337 | 570,119 | 288,114 |
di cui componenti IFRS 9* | 4,097 | 9,414 | (5,317) | -56.48% | 25,728 | 22,544 | 17,359 | 9,414 | 25,728 | 22,544 | 17,359 | 9,414 | 43,643 | 40,183 | 28,435 | 13,352 | 76,367 | 63,970 | 46,394 | 25,637 | |||||
40+50 | Commissioni nette | 328,132 | 267,595 | 60,537 | 22.62% | 1,072,514 | 774,824 | 512,697 | 267,595 | 1,072,514 | 774,824 | 512,697 | 267,595 | 931,950 | 656,070 | 387,754 | 192,544 | 776,265 | 577,081 | 389,056 | 198,120 | 740,628 | 544,026 | 359,224 | 177,373 |
70 | Dividendi | 1,678 | 809 | 869 | 107.42% | 18,492 | 17,393 | 12,843 | 809 | 18,492 | 17,393 | 12,843 | 809 | 14,101 | 13,650 | 10,226 | 539 | 34,339 | 13,786 | 13,461 | 584 | 12,416 | 11,631 | 11,124 | 312 |
80+90+100+110 | Risultato netto della finanza | 76,241 | 5,642 | 70,599 | 1251.31% | 138,165 | 95,589 | 52,474 | 5,642 | 138,165 | 95,589 | 52,474 | 5,642 | 113,993 | 77,186 | 27,465 | 22,062 | 104,022 | 190,944 | 170,065 | 153,634 | 103,134 | 71,022 | 50,533 | 24,664 |
230 (*) | Altri oneri/proventi di gestione | 8,119 | 14,607 | (6,488) | -44.42% | 40,974 | 31,969 | 24,331 | 14,607 | 40,974 | 31,969 | 24,331 | 14,607 | 51,079 | 34,771 | 15,260 | 6,337 | 44,209 | 30,657 | 19,659 | 11,485 | 58,190 | 48,173 | 24,608 | 10,310 |
Proventi operativi netti | 757,683 | 596,624 | 161,059 | 27.00% | 2,509,021 | 1,863,518 | 1,220,596 | 596,624 | 2,509,021 | 1,863,518 | 1,220,596 | 596,624 | 2,275,662 | 1,643,770 | 986,889 | 495,378 | 2,081,272 | 1,662,560 | 1,165,743 | 657,057 | 2,038,847 | 1,525,189 | 1,015,608 | 500,773 | |
190 a) | Spese del personale | (302,142) | (255,576) | (46,566) | 18.22% | (960,719) | (721,302) | (504,664) | (255,576) | (960,719) | (721,302) | (504,664) | (255,576) | (1,049,686) | (657,676) | (426,740) | (213,631) | (821,494) | (614,987) | (420,434) | (207,534) | (783,478) | (577,332) | (385,676) | (194,125) |
190 b) (*) (**) | Altre spese amministrative | (189,880) | (114,546) | (75,334) | 65.77% | (499,040) | (351,600) | (231,463) | (114,546) | (499,040) | (351,600) | (231,463) | (114,546) | (451,830) | (305,357) | (187,134) | (90,930) | (442,431) | (316,589) | (212,266) | (102,285) | (425,611) | (308,957) | (201,492) | (96,628) |
210+220 | Rettifiche di valore nette su attività materiali e immateriali | (54,454) | (39,905) | (14,549) | 36.46% | (167,421) | (122,139) | (81,353) | (39,905) | (178,518) | (128,003) | (85,008) | (40,957) | (185,076) | (108,741) | (68,552) | (33,172) | (118,939) | (79,258) | (56,325) | (21,339) | (87,429) | (61,350) | (40,697) | (18,685) |
Oneri operativi | (546,476) | (410,027) | (136,449) | 33.28% | (1,627,180) | (1,195,041) | (817,480) | (410,027) | (1,638,277) | (1,200,905) | (821,135) | (411,079) | (1,686,592) | (1,071,774) | (682,426) | (337,733) | (1,382,864) | (1,010,834) | (689,025) | (331,158) | (1,296,518) | (947,639) | (627,865) | (309,438) | |
Risultato della gestione operativa | 211,207 | 186,597 | 24,610 | 13.19% | 881,841 | 668,477 | 403,116 | 186,597 | 870,744 | 662,613 | 399,461 | 185,545 | 589,070 | 571,996 | 304,463 | 157,645 | 698,408 | 651,726 | 476,718 | 325,899 | 742,329 | 577,550 | 387,743 | 191,335 | |
130 a) | Rettifiche di valore nette su attività al costo ammortizzato | (419,004) | (139,553) | (279,451) | 200.25% | (541,877) | (405,192) | (297,322) | (139,553) | (541,877) | (405,192) | (297,322) | (139,553) | (447,547) | (308,021) | (147,036) | (72,485) | (225,772) | (155,206) | (84,934) | (26,141) | (535,975) | (412,954) | (323,232) | (133,573) |
- finanziamenti verso clientela | (417,667) | (139,991) | (277,676) | 198.35% | (534,605) | (400,361) | (293,837) | (139,991) | (534,605) | (400,361) | (293,837) | (139,991) | (444,818) | (305,369) | (145,960) | (71,328) | (223,315) | (152,775) | (82,688) | (26,141) | |||||
- altre attività finanziarie | (1,337) | 438 | (1,775) | -405.25% | (7,272) | (4,831) | (3,485) | 438 | (7,272) | (4,831) | (3,485) | 438 | (2,729) | (2,652) | (1,076) | (1,157) | (2,457) | (2,431) | (2,246) | - | |||||
130 b) | Rettifiche di valore nette su attività al fair value | 773 | 105 | 668 | 636.19% | (362) | (495) | (858) | 105 | (362) | (495) | (858) | 105 | 1,256 | 582 | 29 | 421 | 2,066 | 2,054 | 1,904 | 1,763 | (104,628) | (101,000) | (71,617) | (17,381) |
140 | Utili (Perdite) da modifiche contrattuali senza cancellazioni | (602) | (195) | (407) | 208.72% | (2,141) | (624) | (442) | (195) | (2,141) | (624) | (442) | (195) | (2,979) | (1,618) | (967) | (891) | (2,956) | (2,719) | (1,183) | - | - | - | - | - |
Rettifiche di valore nette per rischio di credito | (418,833) | (139,643) | (279,190) | 199.93% | (544,380) | (406,311) | (298,622) | (139,643) | (544,380) | (406,311) | (298,622) | (139,643) | (449,270) | (309,057) | (147,974) | (72,955) | (226,662) | (155,871) | (84,213) | (24,378) | (640,603) | (513,954) | (394,849) | (150,954) | |
200 | Accantonamenti netti ai fondi per rischi e oneri | (40,914) | 2,276 | (43,190) | -1897.63% | (32,481) | (30,010) | (14,901) | 2,276 | (32,481) | (30,010) | (14,901) | 2,276 | (12,193) | (9,202) | (11,693) | (1,995) | (25,194) | (49,130) | (37,039) | (11,663) | (45,891) | (7,990) | (5,168) | (1,014) |
### | Contributi ai fondi SRF, DGS, FITD - SV | (31,055) | (31,978) | 923 | -2.89% | (88,182) | (64,653) | (34,163) | (31,978) | (88,182) | (64,653) | (34,163) | (31,978) | (60,681) | (58,414) | (32,643) | (23,184) | (52,325) | (52,400) | (28,952) | (20,282) | (37,721) | (36,152) | (15,947) | (18,061) |
250+270+280 | Utili (Perdite) da investimenti | (250,655) | 64 | (250,719) | -391748.44% | (20,063) | (10,025) | (10,087) | 64 | (2,079) | (4,020) | (5,160) | 321 | 6,611 | 8,810 | 8,395 | 3,809 | (48,701) | 8,953 | 5,418 | 2,827 | (9,886) | 11,433 | 6,548 | 3,705 |
275 | Avviamento negativo | 1,077,869 | - | 1,077,869 | - | - | - | - | - | - | - | - | - | 343,361 | 353,805 | - | - | - | - | - | - | 190,892 | 130,722 | 130,722 | - |
290 | Utile (Perdita) della gestione corrente al lordo delle imposte | 547,619 | 17,316 | 530,303 | 3062.50% | 196,735 | 157,478 | 45,343 | 17,316 | 203,622 | 157,619 | 46,615 | 16,521 | 416,898 | 557,938 | 120,548 | 63,320 | 345,526 | 403,278 | 331,932 | 272,403 | 199,120 | 161,609 | 109,049 | 25,011 |
300 | Imposte sul reddito di periodo della gestione corrente | (140,830) | (6,582) | (134,248) | 2039.62% | 65,191 | 60,972 | 68,021 | (6,582) | 67,045 | 62,362 | 68,947 | (6,119) | (22,446) | (19,945) | (11,279) | (12,266) | 100,264 | (23,974) | (9,768) | (6,918) | (22,238) | (13,513) | 10,183 | (7,743) |
330 | Utile (Perdita) di periodo | 406,789 | 10,734 | 396,055 | 3689.72% | 261,926 | 218,450 | 113,364 | 10,734 | 270,667 | 219,981 | 115,562 | 10,402 | 394,452 | 537,993 | 109,269 | 51,054 | 445,790 | 379,304 | 322,164 | 265,485 | 176,882 | 148,096 | 119,232 | 17,268 |
340 | Utile (Perdita) di periodo di pertinenza di terzi | (6,523) | (4,325) | (2,198) | 50.82% | (25,001) | (19,352) | (10,868) | (4,325) | (25,017) | (19,362) | (10,883) | (4,320) | (14,869) | (15,068) | (8,777) | (3,083) | (43,837) | (21,178) | (14,279) | (14,462) | (444) | 862 | (170) | (2,710) |
350 | Utile (Perdita) di periodo di pertinenza della Capogruppo | 400,266 | 6,409 | 393,857 | 6145.37% | 236,925 | 199,098 | 102,496 | 6,409 | 245,650 | 200,619 | 104,679 | 6,082 | 379,583 | 522,925 | 100,492 | 47,971 | 401,953 | 358,126 | 307,702 | 251,023 | 176,438 | 148,958 | 119,062 | 14,558 |
Al netto di: | |||||||||||||||||||||||||
Recuperi di imposte | 54,698 | 34,037 | 20,661 | 60.70% | 139,969 | 103,478 | 68,573 | 34,037 | 139,969 | 103,478 | 68,573 | 34,037 | 137,269 | 100,051 | 63,727 | 31,746 | 126,014 | 94,974 | 63,452 | 31,823 | 126,175 | 92,364 | 65,193 | 30,405 | |
Contributi ai fondi SRF, DGS, FITD - SV | (31,055) | (31,978) | 923 | -2.89% | (88,182) | (64,653) | (34,163) | (31,978) | (88,182) | (64,653) | (34,163) | (31,978) | (60,681) | (58,414) | (32,643) | (23,184) | (52,325) | (52,400) | (28,952) | (20,282) | (37,721) | (36,152) | (15,947) | (18,061) | |
I valori comparativi al 31 dicembre 2020 e al 31 marzo 2020, esposti rispettivamente negli schemi di Stato patrimoniale e Conto economico che seguono, includono gli effetti dell'applicazione retroattiva del cambiamento di criterio di valutazione degli immobili detenuti a scopo di investimento. |
CE_ricl_TRIM
Conto economico riclassificato | ||||||||||||||||||||||
RESTATED IAS 40 | ||||||||||||||||||||||
Voci | 0 | 1° trimestre 2021 | 1° trimestre 2020 | 2° trimestre 2020 | 3° trimestre 2020 | 4° trimestre 2020 | 1° trimestre 2020 | 2° trimestre 2020 | 3° trimestre 2020 | 4° trimestre 2020 | 1° trimestre 2019 | 2° trimestre 2019 | 3° trimestre 2019 | 4° trimestre 2019 | 1° trimestre 2018 | 2° trimestre 2018 | 3° trimestre 2018 | 4° trimestre 2018 | 1° trimestre 2017 | 2° trimestre 2017 | 3° trimestre 2017 | 4° trimestre 2017 |
10+20 | Margine di interesse | 343,513 | 307,971 | 310,280 | 325,492 | 295,133 | 307,971 | 310,280 | 325,492 | 295,133 | 273,896 | 272,288 | 315,909 | 302,446 | 293,234 | 280,268 | 276,590 | 272,345 | 288,114 | 282,005 | 280,218 | 274,142 |
di cui componenti IFRS 9 | 4,097 | 9,414 | 7,945 | 5,185 | 3,184 | 9,414 | 7,945 | 5,185 | 3,184 | 13,352 | 15,083 | 11,748 | 3,460 | 25,637 | 20,757 | 17,576 | 12,397 | |||||
40+50 | Commissioni nette | 328,132 | 267,595 | 245,102 | 262,127 | 297,690 | 267,595 | 245,102 | 262,127 | 297,690 | 192,544 | 195,210 | 268,316 | 275,880 | 198,120 | 190,936 | 188,025 | 199,184 | 177,373 | 181,851 | 184,802 | 196,602 |
70 | Dividendi | 1,678 | 809 | 12,034 | 4,550 | 1,099 | 809 | 12,034 | 4,550 | 1,099 | 539 | 9,687 | 3,424 | 451 | 584 | 12,877 | 325 | 20,553 | 312 | 10,812 | 507 | 785 |
80+90+100+110 | Risultato netto della finanza | 76,241 | 5,642 | 46,832 | 43,115 | 42,576 | 5,642 | 46,832 | 43,115 | 42,576 | 22,062 | 5,403 | 49,721 | 36,807 | 153,634 | 16,431 | 20,879 | (86,922) | 24,664 | 25,869 | 20,489 | 32,112 |
230 (*) | Altri oneri/proventi di gestione | 8,119 | 14,607 | 9,724 | 7,638 | 9,005 | 14,607 | 9,724 | 7,638 | 9,005 | 6,337 | 8,923 | 19,511 | 16,308 | 11,485 | 8,174 | 10,998 | 13,552 | 10,310 | 14,298 | 23,565 | 10,017 |
Proventi operativi netti | 757,683 | 596,624 | 623,972 | 642,922 | 645,503 | 596,624 | 623,972 | 642,922 | 645,503 | 495,378 | 491,511 | 656,881 | 631,892 | 657,057 | 508,686 | 496,817 | 418,712 | 500,773 | 514,835 | 509,581 | 513,658 | |
190 a) | Spese del personale | (302,142) | (255,576) | (249,088) | (216,638) | (239,417) | (255,576) | (249,088) | (216,638) | (239,417) | (213,631) | (213,109) | (230,936) | (392,010) | (207,534) | (212,900) | (194,553) | (206,507) | (194,125) | (191,551) | (191,656) | (206,146) |
190 b) (*) (**) | Altre spese amministrative | (189,880) | (114,546) | (116,917) | (120,137) | (147,440) | (114,546) | (116,917) | (120,137) | (147,440) | (90,930) | (96,204) | (118,223) | (146,473) | (102,285) | (109,981) | (104,323) | (125,842) | (96,628) | (104,864) | (107,465) | (116,654) |
210+220 | Rettifiche/Riprese di valore su attività materiali e immateriali | (54,454) | (39,905) | (41,448) | (40,786) | (45,282) | (40,957) | (44,051) | (42,995) | (50,515) | (33,172) | (35,380) | (40,189) | (76,335) | (21,339) | (34,986) | (22,933) | (39,681) | (18,685) | (22,012) | (20,653) | (26,079) |
Oneri operativi | (546,476) | (410,027) | (407,453) | (377,561) | (432,139) | (411,079) | (410,056) | (379,770) | (437,372) | (337,733) | (344,693) | (389,348) | (614,818) | (331,158) | (357,867) | (321,809) | (372,030) | (309,438) | (318,427) | (319,774) | (348,879) | |
Risultato della gestione operativa | 211,207 | 186,597 | 216,519 | 265,361 | 213,364 | 185,545 | 213,916 | 263,152 | 208,131 | 157,645 | 146,818 | 267,533 | 17,074 | 325,899 | 150,819 | 175,008 | 46,682 | 191,335 | 196,408 | 189,807 | 164,779 | |
130 a) | Rettifiche di valore nette su attività al costo ammortizzato | (419,004) | (139,553) | (157,769) | (107,870) | (136,685) | (139,553) | (157,769) | (107,870) | (136,685) | (72,485) | (74,551) | (160,985) | (139,526) | (26,141) | (58,793) | (70,272) | (70,566) | (133,573) | (189,659) | (89,722) | (123,021) |
- finanziamenti verso clientela | (417,667) | (139,991) | (153,846) | (106,524) | (134,244) | (139,991) | (153,846) | (106,524) | (134,244) | (90,930) | (96,204) | (118,223) | (146,473) | (26,141) | (56,547) | (70,087) | (70,540) | |||||
- altre attività finanziarie | (1,337) | 438 | (3,923) | (1,346) | (2,441) | 438 | (3,923) | (1,346) | (2,441) | (33,172) | (35,380) | (40,189) | (76,335) | - | (2,246) | (185) | (26) | |||||
130 b) | Rettifiche di valore nette su attività al fair value | 773 | 105 | (963) | 363 | 133 | 105 | (963) | 363 | 133 | 421 | (392) | 553 | 674 | 1,763 | 141 | 150 | 12 | (17,381) | (54,236) | (29,383) | (3,628) |
140 | Utili (Perdite) da modifiche contrattuali senza cancellazioni | (602) | (195) | (247) | (182) | (1,517) | (195) | (247) | (182) | (1,517) | (891) | (76) | (651) | (1,361) | - | (1,183) | (1,536) | (237) | - | - | - | - |
Rettifiche di valore nette per rischio di credito | (418,833) | (139,643) | (158,979) | (107,689) | (138,069) | (139,643) | (158,979) | (107,689) | (138,069) | (72,955) | (75,019) | (161,083) | (140,213) | (24,378) | (59,835) | (71,658) | (70,791) | (150,954) | (243,895) | (119,105) | (126,649) | |
200 | Accantonamenti netti ai fondi per rischi e oneri | (40,914) | 2,276 | (17,177) | (15,109) | (2,471) | 2,276 | (17,177) | (15,109) | (2,471) | (1,995) | (9,698) | 2,491 | (2,991) | (11,663) | (25,376) | (12,091) | 23,936 | (1,014) | (4,154) | (2,822) | (37,901) |
### | Contributi ai fondi SRF, DGS, FITD - SV | (31,055) | (31,978) | (2,185) | (30,490) | (23,529) | (31,978) | (2,185) | (30,490) | (23,529) | (23,184) | (9,459) | (25,771) | (2,267) | (20,282) | (8,670) | (23,448) | 75 | (18,061) | 2,114 | (20,205) | (1,569) |
250+270+280 | Utili (Perdite) da investimenti | (250,655) | 64 | (10,151) | 62 | (10,038) | 321 | (5,481) | 1,140 | 1,941 | 3,809 | 4,586 | 415 | (2,199) | 2,827 | 2,591 | 3,535 | (57,654) | 3,705 | 2,843 | 4,885 | (21,319) |
265 | Avviamento negativo | 1,077,869 | - | - | - | - | - | - | - | - | - | - | 353,805 | (10,444) | - | - | - | - | - | 130,722 | - | 60,170 |
290 | Utile (Perdita) della gestione corrente al lordo delle imposte | 547,619 | 17,316 | 28,027 | 112,135 | 39,257 | 16,521 | 30,094 | 111,004 | 46,003 | 63,320 | 57,228 | 437,390 | (141,040) | 272,403 | 59,529 | 71,346 | (57,752) | 25,011 | 84,038 | 52,560 | 37,511 |
300 | Imposte sul reddito di periodo della gestione corrente | (140,830) | (6,582) | 74,603 | (7,049) | 4,219 | (6,119) | 75,066 | (6,585) | 4,683 | (12,266) | 987 | (8,666) | (2,501) | (6,918) | (2,850) | (14,206) | 124,238 | (7,743) | 17,926 | (23,696) | (8,725) |
330 | Utile (Perdita) di periodo | 406,789 | 10,734 | 102,630 | 105,086 | 43,476 | 10,402 | 105,160 | 104,419 | 50,686 | 51,054 | 58,215 | 428,724 | (143,541) | 265,485 | 56,679 | 57,140 | 66,486 | 17,268 | 101,964 | 28,864 | 28,786 |
340 | Utile (Perdita) di periodo di pertinenza di terzi | (6,523) | (4,325) | (6,543) | (8,484) | (5,649) | (4,320) | (6,563) | (8,479) | (5,655) | (3,083) | (5,694) | (6,291) | 199 | (14,462) | 183 | (6,899) | (22,659) | (2,710) | 2,540 | 1,032 | (1,306) |
350 | Utile (Perdita) di periodo di pertinenza della Capogruppo | 400,266 | 6,409 | 96,087 | 96,602 | 37,827 | 6,082 | 98,597 | 95,940 | 45,031 | 47,971 | 52,521 | 422,433 | (143,342) | 251,023 | 56,862 | 50,424 | 43,827 | 14,558 | 104,504 | 29,896 | 27,480 |
Voci al netto di_ | ||||||||||||||||||||||
(*) | Recupero di imposte | 54,698 | 34,037 | 34,536 | 34,905 | 36,491 | 34,037 | 34,536 | 34,905 | 36,491 | 31,746 | 31,981 | 36,324 | 37,218 | 31,823 | 31,629 | 31,522 | 31,040 | 29,981 | 31,001 | 31,382 | 33,811 |
(**) | Contributi al SRF, DGS, FITD-SV | (31,055) | (31,978) | (2,185) | (30,490) | (23,529) | (31,978) | (2,185) | (30,490) | (23,529) | (23,184) | (9,459) | (25,771) | (2,267) | (20,282) | (8,670) | (23,448) | 75 | (18,061) | 2,114 | (20,205) | (1,569) |
SP_IFRS9_BANKIT
Stato patrimoniale consolidato (Circolare 262/2005 Banca d'Italia) | |||||||||||||||||
RESTATED IAS 40 | |||||||||||||||||
Voci dell'attivo | 31.03.2021 | 31.12.2020 | 31.12.2020 | 30.09.2020 | 30.06.2020 | 31.03.2020 | 31.12.2019 | 30.09.2019 | 30.06.2019 | 31.03.2019 | 31.12.2018 | 30.09.2018 | 30.06.2018 | 31.03.2018 | 01.01.2018 IFRS9 FTA | 31.12.2017 riclassificato | |
10. | Cassa e disponibilità liquide | 589,022 | 482,192 | 482,192 | 464,244 | 460,927 | 402,042 | 566,924 | 493,538 | 395,525 | 363,073 | 459,782 | 392,189 | 353,774 | 337,394 | 420,299 | 420,299 |
20. | Attività finanziarie valutate al fair value con impatto a conto economico | 1,311,582 | 1,198,601 | 1,198,601 | 1,112,157 | 1,099,178 | 1,069,556 | 1,120,111 | 1,149,223 | 1,047,721 | 1,045,996 | 1,128,625 | 1,413,653 | 1,421,443 | 1,246,041 | 1,293,082 | 1,326,601 |
a) attività finanziarie detenute per la negoziazione | 331,893 | 279,009 | 279,009 | 257,216 | 236,699 | 244,181 | 270,374 | 328,291 | 270,204 | 248,886 | 247,219 | 287,687 | 350,388 | 411,047 | 425,424 | 425,424 | |
b) attività finanziarie designate al fair value | 124,643 | 127,368 | 127,368 | 126,045 | 128,690 | 127,032 | 130,955 | 131,594 | 219,702 | 217,361 | 218,662 | 216,810 | 221,625 | 224,689 | 223,192 | 223,192 | |
c) altre attività finanziarie obbligatoriamente valutate al fair value | 855,046 | 792,224 | 792,224 | 728,896 | 733,789 | 698,343 | 718,782 | 689,338 | 557,815 | 579,749 | 662,744 | 909,156 | 849,430 | 610,305 | 644,466 | 677,985 | |
30. | Attività finanziarie valutate al fair value con impatto sulla redditività complessiva | 6,332,524 | 6,269,818 | 6,269,818 | 6,322,985 | 6,451,484 | 6,509,863 | 6,556,202 | 6,911,141 | 7,808,130 | 8,253,832 | 8,563,992 | 9,026,242 | 9,295,682 | 9,864,136 | 13,550,694 | 13,398,757 |
40. | Attività finanziarie valutate al costo ammortizzato | 114,813,605 | 79,991,505 | 79,991,505 | 75,710,690 | 72,623,513 | 67,162,227 | 65,541,246 | 66,961,934 | 57,461,564 | 56,755,813 | 56,054,342 | 55,863,032 | 54,563,163 | 52,937,506 | 50,427,717 | 51,561,587 |
a) crediti verso banche | 25,879,275 | 14,352,731 | 14,352,731 | 11,346,389 | 9,079,123 | 7,131,752 | 5,066,379 | 6,363,946 | 5,001,079 | 4,286,323 | 3,306,678 | 5,520,689 | 4,221,694 | 4,232,336 | 3,196,912 | 3,205,849 | |
b) crediti verso clientela | 88,934,330 | 65,638,774 | 65,638,774 | 64,364,301 | 63,544,390 | 60,030,475 | 60,474,867 | 60,597,988 | 52,460,485 | 52,469,490 | 52,747,664 | 50,342,343 | 50,341,469 | 48,705,170 | 47,230,804 | 48,355,737 | |
50. | Derivati di copertura | 127,721 | 57,776 | 57,776 | 49,631 | 49,653 | 53,100 | 82,185 | 65,401 | 53,567 | 33,816 | 35,564 | 57,469 | 50,066 | 51,075 | 54,061 | 54,061 |
60. | Adeguamento di valore delle attività finanziarie oggetto di copertura generica (+/-) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
70. | Partecipazioni | 230,247 | 225,558 | 225,558 | 220,254 | 218,480 | 225,358 | 225,869 | 251,613 | 453,046 | 450,000 | 446,049 | 444,844 | 448,990 | 456,075 | 454,367 | 454,367 |
80. | Riserve tecniche a carico dei riassicuratori | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
90. | Attività materiali | 1,882,586 | 1,365,705 | 1,351,480 | 1,344,461 | 1,346,093 | 1,366,608 | 1,368,696 | 1,356,757 | 1,261,800 | 1,270,023 | 1,063,273 | 1,051,767 | 1,056,260 | 1,057,326 | 1,063,483 | 1,063,483 |
100. | Attività immateriali | 465,852 | 702,723 | 702,723 | 660,733 | 657,953 | 660,791 | 669,847 | 612,235 | 431,922 | 438,265 | 445,689 | 495,059 | 497,340 | 499,403 | 506,627 | 506,627 |
di cui: | |||||||||||||||||
- avviamento | 204,392 | 434,758 | 434,758 | 434,758 | 434,758 | 434,758 | 434,758 | 434,758 | 264,740 | 264,740 | 264,740 | 327,084 | 327,084 | 327,084 | 327,084 | 327,084 | |
110. | Attività fiscali | 1,821,199 | 1,821,199 | 2,007,073 | 1,925,563 | 2,047,161 | 1,965,794 | 2,024,579 | 1,960,020 | 1,868,566 | 1,795,587 | 1,885,616 | 1,746,815 | 1,734,961 | 1,742,211 | 1,845,611 | 1,848,127 |
a) correnti | 338,967 | 418,174 | 418,174 | 332,827 | 439,769 | 361,964 | 466,312 | 390,182 | 458,612 | 384,245 | 457,838 | 370,396 | 454,139 | 476,721 | 575,441 | 575,441 | |
b) anticipate | 1,482,232 | 1,584,866 | 1,588,899 | 1,592,736 | 1,607,392 | 1,603,830 | 1,558,267 | 1,569,838 | 1,409,954 | 1,411,342 | 1,427,778 | 1,376,419 | 1,280,822 | 1,265,490 | 1,270,170 | 1,272,686 | |
120. | Attività non correnti e gruppi di attività in via di dismissione | 99,425 | 99,467 | 98,714 | 97,691 | 96,124 | 94,149 | 97,142 | 5,346 | 5,288 | 5,298 | 2,800 | - | - | - | - | - |
130. | Altre attività | 1,325,136 | 665,398 | 665,398 | 709,580 | 884,981 | 589,828 | 780,697 | 928,218 | 795,539 | 685,706 | 549,035 | 730,807 | 875,056 | 747,027 | 704,899 | 704,899 |
Totale dell'attivo | 128,998,899 | 93,061,783 | 93,050,838 | 88,617,989 | 85,935,547 | 80,099,316 | 79,033,498 | 80,695,426 | 71,582,668 | 71,097,409 | 70,634,767 | 71,221,877 | 70,296,735 | 68,938,194 | 70,320,839 | 71,338,807 | |
Voci del passivo e del patrimonio netto | 31.03.2021 | 31.12.2020 | 31.12.2020 | 30.09.2020 | 30.06.2020 | 31.03.2020 | 31.12.2019 | 30.09.2019 | 30.06.2019 | 31.03.2019 | 31.12.2018 | 30.09.2018 | 30.06.2018 | 31.03.2018 | 01.01.2018 | 31.12.2017 riclassificato | |
10. | Passività finanziarie valutate al costo ammortizzato | 116,558,126 | 83,177,191 | 83,177,191 | 78,830,382 | 76,278,205 | 71,100,285 | 70,135,262 | 70,520,235 | 63,533,803 | 63,655,143 | 63,122,667 | 63,914,611 | 62,502,252 | 61,545,420 | 63,231,158 | 63,230,643 |
a) debiti verso banche | 22,258,572 | 20,180,999 | 20,180,999 | 19,188,980 | 16,600,757 | 14,092,713 | 12,213,133 | 12,353,388 | 12,504,749 | 13,033,898 | 13,126,248 | 12,730,558 | 12,622,968 | 12,626,209 | 12,984,226 | 12,984,226 | |
b) debiti verso clientela | 89,229,714 | 58,314,002 | 58,314,002 | 55,006,699 | 54,320,207 | 51,572,044 | 52,087,240 | 51,769,432 | 45,465,848 | 44,796,953 | 44,594,863 | 44,387,688 | 43,291,051 | 41,900,213 | 42,694,078 | 42,694,078 | |
c) titoli in circolazione | 5,069,840 | 4,682,190 | 4,682,190 | 4,634,703 | 5,357,241 | 5,435,528 | 5,834,889 | 6,397,415 | 5,563,206 | 5,824,292 | 5,401,556 | 6,796,365 | 6,588,233 | 7,018,998 | 7,552,854 | 7,552,339 | |
20. | Passività finanziarie di negoziazione | 147,324 | 170,094 | 170,094 | 167,410 | 166,835 | 164,498 | 165,970 | 247,347 | 220,086 | 167,982 | 143,824 | 150,490 | 241,013 | 315,365 | 170,046 | 170,046 |
30. | Passività finanziarie designate al fair value | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
40. | Derivati di copertura | 344,047 | 469,240 | 469,240 | 459,681 | 444,191 | 396,146 | 294,114 | 419,671 | 306,649 | 206,666 | 92,374 | 27,812 | 42,918 | 18,898 | 23,795 | 23,795 |
50. | Adeguamento di valore delle passività finanziarie oggetto di copertura generica (+/-) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
60. | Passività fiscali | 182,836 | 82,318 | 74,748 | 65,112 | 68,487 | 73,586 | 75,737 | 89,467 | 65,674 | 64,473 | 62,644 | 85,569 | 90,764 | 109,027 | 157,257 | 106,218 |
a) correnti | 97,569 | 4,797 | 4,797 | 6,838 | 13,973 | 14,359 | 5,405 | 29,538 | 6,527 | 5,118 | 3,966 | 4,356 | 3,724 | 3,360 | 2,636 | 2,258 | |
b) differite | 85,267 | 77,521 | 69,951 | 58,274 | 54,514 | 59,227 | 70,332 | 59,929 | 59,147 | 59,355 | 58,678 | 81,213 | 87,040 | 105,667 | 154,620 | 103,960 | |
70. | Passività associate ad attività in via di dismissione | 142,631 | 144,809 | 144,809 | 139,340 | 137,964 | 129,457 | 134,077 | - | - | - | - | - | - | - | - | - |
80. | Altre passività | 3,933,593 | 1,945,822 | 1,945,822 | 2,733,573 | 2,695,270 | 2,217,257 | 2,069,511 | 3,234,769 | 1,840,166 | 1,365,264 | 1,663,946 | 1,470,229 | 1,963,775 | 1,394,494 | 1,416,660 | 1,416,660 |
90. | Trattamento di fine rapporto del personale | 207,285 | 148,199 | 148,199 | 160,321 | 168,658 | 181,299 | 191,120 | 200,512 | 188,527 | 186,978 | 182,793 | 185,527 | 186,444 | 186,370 | 187,536 | 187,536 |
100. | Fondi per rischi e oneri | 653,906 | 589,981 | 589,981 | 608,780 | 620,952 | 652,981 | 676,160 | 551,033 | 478,039 | 489,430 | 469,951 | 531,535 | 531,616 | 533,904 | 501,518 | 487,178 |
a) impegni e garanzie rilasciate | 80,571 | 62,334 | 62,334 | 55,290 | 57,466 | 54,768 | 55,995 | 58,206 | 62,126 | 61,942 | 63,059 | 64,013 | 67,420 | 82,769 | 61,133 | 46,793 | |
b) quiescenza e obblighi simili | 139,502 | 148,357 | 148,357 | 154,740 | 153,181 | 150,493 | 161,619 | 169,465 | 163,255 | 156,633 | 131,126 | 128,720 | 132,104 | 135,920 | 137,148 | 137,148 | |
c) altri fondi per rischi e oneri | 433,833 | 379,290 | 379,290 | 398,750 | 410,305 | 447,720 | 458,546 | 323,362 | 252,658 | 270,855 | 275,766 | 338,802 | 332,092 | 315,215 | 303,237 | 303,237 | |
110. | Riserve tecniche | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
120. | Riserve da valutazione | 240,535 | 118,105 | 118,105 | 53,367 | (2,322) | (71,110) | 37,750 | (39,838) | 15,130 | 14,199 | 949 | 34,557 | 60,974 | 140,229 | 204,423 | 75,089 |
121 | di cui relative ad attività operative cessate | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
130. | Azioni rimborsabili | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||
140. | Strumenti di capitale | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | - | - | - | - | - | - | - | |
150. | Riserve | 2,563,320 | 2,360,743 | 2,348,691 | 2,351,088 | 2,405,839 | 2,405,697 | 2,035,205 | 2,088,106 | 1,961,433 | 2,022,397 | 1,619,469 | 1,622,226 | 1,527,996 | 1,582,852 | 1,433,444 | 2,445,454 |
155 | di cui acconti su dividendi | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
160. | Sovrapprezzi di emissione | 1,241,197 | 1,241,197 | 1,241,197 | 1,002,722 | 1,002,722 | 1,002,722 | 1,002,722 | 999,373 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 |
170. | Capitale | 2,100,435 | 2,100,435 | 2,100,435 | 1,565,596 | 1,561,884 | 1,561,884 | 1,561,884 | 1,542,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 |
180. | Azioni proprie (-) | (7,259) | (7,259) | (7,259) | (7,259) | (7,259) | (7,259) | (7,259) | (7,259) | (7,258) | (7,258) | (7,258) | (7,258) | (7,258) | (7,258) | (7,258) | (7,258) |
190. | Patrimonio di pertinenza di terzi (+/-) | 140,657 | 133,983 | 133,935 | 137,257 | 139,442 | 135,791 | 131,662 | 176,160 | 505,929 | 510,166 | 507,457 | 474,455 | 474,358 | 493,872 | 451,825 | 653,010 |
200. | Utile (Perdita) d'esercizio (+/-) | 400,266 | 236,925 | 245,650 | 200,619 | 104,679 | 6,082 | 379,583 | 522,925 | 100,492 | 47,971 | 401,953 | 358,126 | 307,885 | 251,023 | 176,438 | 176,438 |
Totale del passivo e del patrimonio netto | 128,998,899 | 93,061,783 | 93,050,838 | 88,617,989 | 85,935,547 | 80,099,316 | 79,033,498 | 80,695,426 | 71,582,668 | 71,097,409 | 70,634,767 | 71,221,877 | 70,296,735 | 68,938,194 | 70,320,839 | 71,338,807 | |
I valori comparativi al 31 dicembre 2020 e al 31 marzo 2020, esposti rispettivamente negli schemi di Stato patrimoniale e Conto economico che seguono, includono gli effetti dell'applicazione retroattiva del cambiamento di criterio di valutazione degli immobili detenuti a scopo di investimento. |
CE_IFRS_9_BANKIT
Conto economico consolidato (Circolare n. 262/2005 di Banca d'Italia) | ||||||||||||||||||||||||
RESTATED IAS 40 | ||||||||||||||||||||||||
Voci | 31.03.2021 | 31.03.2020 | 31.12.2020 | 4° trimestre 2020 | 30.09.2020 | 3° trimestre 2020 | 30.06.2020 | 2° trimestre 2020 | 31.03.2020 | 31.12.2019 | 4° trimestre 2019 | 30.09.2019 | 3° trimestre 2019 | 30.06.2019 | 2° trimestre 2019 | 31.03.2019 | 31.12.2018 | 4° trimestre 2018 | 30.09.2018 | 3° trimestre 2018 | 30.06.2018 | 2° trimestre 2018 | 31.03.2018 | |
10. | Interessi attivi e proventi assimilati | 398,172 | 359,864 | 1,431,109 | 344,949 | 1,086,160 | 369,814 | 716,346 | 356,482 | 359,864 | 1,419,767 | 362,123 | 1,057,644 | 396,211 | 661,433 | 726,770 | 330,874 | 1,375,925 | 305,070 | 1,070,855 | 367,035 | 703,820 | 337,279 | 366,541 |
20. | Interessi passivi e oneri assimilati | (54,659) | (51,893) | (192,233) | (49,816) | (142,417) | (44,322) | (98,095) | (46,202) | (51,893) | (255,228) | (59,677) | (195,551) | (80,302) | (115,249) | (138,573) | (56,978) | (253,488) | (32,725) | (220,763) | (90,445) | (130,318) | (57,011) | (73,307) |
30. | Margine di interesse | 343,513 | 307,971 | 1,238,876 | 295,133 | 943,743 | 325,492 | 618,251 | 310,280 | 307,971 | 1,164,539 | 302,446 | 862,093 | 315,909 | 546,184 | 588,197 | 273,896 | 1,122,437 | 272,345 | 850,092 | 276,590 | 573,502 | 280,268 | 293,234 |
40. | Commissioni attive | 375,117 | 309,431 | 1,246,875 | 344,505 | 902,370 | 305,929 | 596,441 | 287,010 | 309,431 | 1,043,000 | 322,921 | 720,079 | 313,964 | 406,115 | 518,606 | 201,473 | 812,147 | 208,495 | 603,652 | 196,944 | 406,708 | 200,061 | 206,647 |
50. | Commissioni passive | (46,985) | (41,836) | (174,361) | (46,815) | (127,546) | (43,802) | (83,744) | (41,908) | (41,836) | (111,050) | (47,041) | (64,009) | (45,648) | (18,361) | (55,080) | (8,929) | (35,882) | (9,311) | (26,571) | (8,919) | (17,652) | (9,125) | (8,527) |
60. | Commissioni nette | 328,132 | 267,595 | 1,072,514 | 297,690 | 774,824 | 262,127 | 512,697 | 245,102 | 267,595 | 931,950 | 275,880 | 656,070 | 268,316 | 387,754 | 463,526 | 192,544 | 776,265 | 199,184 | 577,081 | 188,025 | 389,056 | 190,936 | 198,120 |
70. | Dividendi e proventi simili | 1,678 | 809 | 18,492 | 1,099 | 17,393 | 4,550 | 12,843 | 12,034 | 809 | 14,101 | 451 | 13,650 | 3,424 | 10,226 | 13,111 | 539 | 34,339 | 20,553 | 13,786 | 325 | 13,461 | 12,877 | 584 |
80. | Risultato netto dell'attività di negoziazione | 28,097 | (21,287) | (14,220) | 1,576 | (15,796) | 589 | (16,385) | 4,902 | (21,287) | 180 | 23,734 | (23,554) | (5,558) | (17,996) | (27,306) | 3,752 | 1,812 | (23,405) | 25,217 | 8,735 | 16,482 | 17,328 | (846) |
90. | Risultato netto dell'attività di copertura | (1,172) | (8,567) | (653) | 1,869 | (2,522) | 2,490 | (5,012) | 3,555 | (8,567) | (1,546) | 2,632 | (4,178) | (2,742) | (1,436) | (2,732) | (1,446) | 1,621 | (371) | 1,992 | (418) | 2,410 | 1,961 | 449 |
100. | Utili (perdite) da cessione o riacquisto di: | 40,583 | 69,327 | 141,182 | 5,123 | 136,059 | 40,005 | 96,054 | 26,727 | 69,327 | 116,600 | 6,395 | 110,205 | 59,122 | 51,083 | 91,090 | 19,115 | 91,925 | (60,884) | 152,809 | 4,831 | 147,978 | 4,073 | 143,905 |
a) attività finanziarie valutate al costo ammortizzato | 35,867 | 68,468 | 130,513 | 3,251 | 127,262 | 36,606 | 90,656 | 22,188 | 68,468 | 38,710 | (748) | 39,458 | 13,722 | 25,736 | 27,078 | 12,380 | (77,645) | (65,730) | (11,915) | (468) | (11,447) | (8,780) | (2,667) | |
b) attività finanziarie valutate al fair value con impatto sulla redditività complessiva | 5,108 | 715 | 10,356 | 2,008 | 8,348 | 3,806 | 4,542 | 3,827 | 715 | 77,664 | 7,353 | 70,311 | 45,331 | 24,980 | 63,789 | 6,522 | 168,662 | 4,210 | 164,452 | 5,197 | 159,255 | 12,787 | 146,468 | |
c) passività finanziarie | (392) | 144 | 313 | (136) | 449 | (407) | 856 | 712 | 144 | 226 | (210) | 436 | 69 | 367 | 223 | 213 | 908 | 636 | 272 | 102 | 170 | 66 | 104 | |
110. | Risultato netto delle altre attività e passività finanziarie valutate al fair value con impatto a conto economico | 8,733 | (33,831) | 11,856 | 34,008 | (22,152) | 31 | (22,183) | 11,648 | (33,831) | (1,241) | 4,046 | (5,287) | (1,101) | (4,186) | (5,928) | 641 | 8,664 | (2,262) | 10,926 | 7,731 | 3,195 | (6,931) | 10,126 |
a) attività e passività finanziarie designate al fair value | 459 | (4,673) | (3,683) | 483 | (4,166) | (300) | (3,866) | 807 | (4,673) | (8,436) | (1,471) | (6,965) | (8,567) | 1,602 | (7,538) | 573 | (4,378) | 632 | (5,010) | (2,067) | (2,943) | (4,152) | 1,209 | |
b) altre attività finanziarie obbligatoriamente valutate al fair value | 8,274 | (29,158) | 15,539 | 33,525 | (17,986) | 331 | (18,317) | 10,841 | (29,158) | 7,195 | 5,517 | 1,678 | 7,466 | (5,788) | 1,610 | 68 | 13,042 | (2,894) | 15,936 | 9,798 | 6,138 | (2,779) | 8,917 | |
120. | Margine di intermediazione | 749,564 | 582,017 | 2,468,047 | 636,498 | 1,831,549 | 635,284 | 1,196,265 | 614,248 | 582,017 | 2,224,583 | 615,584 | 1,608,999 | 637,370 | 971,629 | 1,119,958 | 489,041 | 2,037,063 | 405,160 | 1,631,903 | 485,819 | 1,146,084 | 500,512 | 645,572 |
130. | Rettifiche/riprese di valore nette per rischio di credito relativo a: | (418,231) | (139,448) | (542,239) | (136,552) | (405,687) | (107,507) | (298,180) | (158,732) | (139,448) | (446,291) | (138,852) | (307,439) | (160,432) | (147,007) | (235,375) | (72,064) | (223,706) | (70,554) | (153,152) | (70,122) | (83,030) | (58,652) | (24,378) |
a)attività finanziarie valutate al costo ammortizzato | (419,004) | (139,553) | (541,877) | (136,685) | (405,192) | (107,870) | (297,322) | (157,769) | (139,553) | (447,547) | (139,526) | (308,021) | (160,985) | (147,036) | (235,536) | (72,485) | (225,772) | (70,566) | (155,206) | (70,272) | (84,934) | (58,793) | (26,141) | |
b) attività finanziarie valutate al fair value con impatto sulla redditività complessiva | 773 | 105 | (362) | 133 | (495) | 363 | (858) | (963) | 105 | 1,256 | 674 | 582 | 553 | 29 | 161 | 421 | 2,066 | 12 | 2,054 | 150 | 1,904 | 141 | 1,763 | |
140. | Utili/perdite da modifiche contrattuali senza cancellazioni | (602) | (195) | (2,141) | (1,517) | (624) | (182) | (442) | (247) | (195) | (2,979) | (1,361) | (1,618) | (651) | (967) | (727) | (891) | (2,956) | (237) | (2,719) | (1,536) | (1,183) | (1,183) | - |
150. | Risultato netto della gestione finanziaria | 330,731 | 442,374 | 1,923,667 | 498,429 | 1,425,238 | 527,595 | 897,643 | 455,269 | 442,374 | 1,775,313 | 475,371 | 1,299,942 | 476,287 | 823,655 | 883,856 | 416,086 | 1,810,401 | 334,369 | 1,476,032 | 414,161 | 1,061,871 | 440,677 | 621,194 |
160 | Premi netti | - | - | - | 624 | (624) | (624) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
170 | Saldo altri proventi/oneri della gestione assicurativa | - | - | - | (1,425,238) | 1,425,238 | 1,425,238 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
180. | Risultato netto della gestione finanziaria e assicurativa | 330,731 | 442,374 | 1,923,667 | 498,429 | 1,425,238 | 527,595 | 897,643 | 455,269 | 442,374 | 1,775,313 | 475,371 | 1,299,942 | 476,287 | 823,655 | 883,856 | 416,086 | 1,810,401 | 334,369 | 1,476,032 | 414,161 | 1,061,871 | 440,677 | 621,194 |
190. | Spese amministrative: | (577,775) | (436,137) | (1,687,910) | (446,877) | (1,241,033) | (402,170) | (838,863) | (402,726) | (436,137) | (1,699,466) | (577,968) | (1,121,498) | (411,254) | (710,244) | (762,007) | (359,491) | (1,442,264) | (363,314) | (1,078,950) | (353,846) | (725,104) | (363,180) | (361,924) |
a) spese per il personale | (302,142) | (255,576) | (960,719) | (239,417) | (721,302) | (216,638) | (504,664) | (249,088) | (255,576) | (1,049,686) | (392,010) | (657,676) | (230,936) | (426,740) | (444,045) | (213,631) | (821,494) | (206,507) | (614,987) | (194,553) | (420,434) | (212,900) | (207,534) | |
b) altre spese amministrative | (275,633) | (180,561) | (727,191) | (207,460) | (519,731) | (185,532) | (334,199) | (153,638) | (180,561) | (649,780) | (185,958) | (463,822) | (180,318) | (283,504) | (317,962) | (145,860) | (620,770) | (156,807) | (463,963) | (159,293) | (304,670) | (150,280) | (154,390) | |
200. | Accantonamenti netti ai fondi per rischi e oneri | (21,071) | 2,276 | (21,029) | (2,471) | (18,558) | (15,109) | (3,449) | (5,725) | 2,276 | (12,193) | (2,991) | (9,202) | 2,491 | (11,693) | (7,207) | (1,995) | (7,794) | 41,336 | (49,130) | (12,091) | (37,039) | (25,376) | (11,663) |
a) impegni e garanzie rilasciate | (1,082) | 1,017 | (6,329) | (7,034) | 705 | 2,164 | (1,459) | (2,476) | 1,017 | 9,032 | 2,195 | 6,837 | 5,904 | 933 | 5,720 | 1,117 | 16,197 | (2,646) | 18,843 | 6,920 | 11,923 | (2,041) | 13,964 | |
b) altri accantonamenti netti | (19,989) | 1,259 | (14,700) | 4,563 | (19,263) | (17,273) | (1,990) | (3,249) | 1,259 | (21,225) | (5,186) | (16,039) | (3,413) | (12,626) | (12,927) | (3,112) | (23,991) | 43,982 | (67,973) | (19,011) | (48,962) | (23,335) | (25,627) | |
210. | Rettifiche/riprese di valore nette su attività materiali | (34,082) | (26,000) | (118,816) | (34,724) | (84,092) | (27,972) | (56,120) | (29,068) | (27,052) | (125,524) | (55,875) | (69,649) | (26,531) | (43,118) | (49,035) | (20,614) | (70,405) | (26,505) | (43,900) | (10,546) | (33,354) | (23,226) | (10,128) |
220. | Rettifiche/riprese di valore nette su attività immateriali | (20,372) | (13,905) | (59,702) | (15,791) | (43,911) | (15,023) | (28,888) | (14,983) | (13,905) | (59,552) | (20,460) | (39,092) | (13,658) | (25,434) | (26,534) | (12,558) | (48,534) | (13,176) | (35,358) | (12,387) | (22,971) | (11,760) | (11,211) |
230. | Altri oneri/proventi di gestione | 42,974 | 48,644 | 169,491 | 45,496 | 123,995 | 42,543 | 81,452 | 32,808 | 48,644 | 188,348 | 53,526 | 134,822 | 55,835 | 78,987 | 96,739 | 38,083 | 152,823 | 27,192 | 125,631 | 42,520 | 83,111 | 39,803 | 43,308 |
240. | Costi operativi | (610,326) | (425,122) | (1,717,966) | (454,367) | (1,263,599) | (417,731) | (845,868) | (419,694) | (426,174) | (1,708,387) | (603,768) | (1,104,619) | (393,117) | (711,502) | (748,044) | (356,575) | (1,416,174) | (334,467) | (1,081,707) | (346,350) | (735,357) | (383,739) | (351,618) |
250. | Utili (Perdite) delle partecipazioni | 2,280 | 34 | (2,945) | 1,578 | (4,523) | 1,014 | (5,537) | (5,571) | 34 | 7,213 | (3,326) | 10,539 | 2,201 | 8,338 | 6,775 | 3,764 | 13,349 | 4,543 | 8,806 | 3,467 | 5,339 | 2,569 | 2,770 |
260. | Risultato netto della valutazione al fair value delle attività materiali e immateriali | (22,641) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
270. | Rettifiche di valore dell'avviamento | (230,366) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | (62,344) | (62,344) | - | - | - | - | - |
275. | Avviamento negativo | 1,077,869 | - | - | - | - | - | - | - | - | 343,361 | (10,444) | 353,805 | 353,805 | ||||||||||
280. | Utili (Perdite) da cessione di investimenti | 72 | 30 | 866 | 363 | 503 | 126 | 377 | 90 | 287 | (602) | 1,127 | (1,729) | (1,786) | 57 | (1,774) | 45 | 294 | 147 | 147 | 68 | 79 | 22 | 57 |
290. | Utile (Perdita) della operatività corrente al lordo delle imposte | 547,619 | 17,316 | 203,622 | 46,003 | 157,619 | 111,004 | 46,615 | 30,094 | 16,521 | 416,898 | (141,040) | 557,938 | 437,390 | 120,548 | 494,618 | 63,320 | 345,526 | (57,752) | 403,278 | 71,346 | 331,932 | 59,529 | 272,403 |
300. | Imposte sul reddito di periodo dell'operatività corrente | (140,830) | (6,582) | 67,045 | 4,683 | 62,362 | (6,585) | 68,947 | 75,066 | (6,119) | (22,446) | (2,501) | (19,945) | (8,666) | (11,279) | (7,679) | (12,266) | 100,264 | 124,238 | (23,974) | (14,206) | (9,768) | (2,850) | (6,918) |
310. | Utile (Perdita) della operatività corrente al netto delle imposte | 406,789 | 10,734 | 270,667 | 50,686 | 219,981 | 104,419 | 115,562 | 105,160 | 10,402 | 394,452 | (143,541) | 537,993 | 428,724 | 109,269 | 486,939 | 51,054 | 445,790 | 66,486 | 379,304 | 57,140 | 322,164 | 56,679 | 265,485 |
320. | Utile (Perdita) delle attività operative cessate al netto delle imposte | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
330. | Utile (Perdita) di periodo | 406,789 | 10,734 | 270,667 | 50,686 | 219,981 | 104,419 | 115,562 | 105,160 | 10,402 | 394,452 | (143,541) | 537,993 | 428,724 | 109,269 | 486,939 | 51,054 | 445,790 | 66,486 | 379,304 | 57,140 | 322,164 | 56,679 | 265,485 |
340. | Utile (Perdita) di periodo di pertinenza di terzi | (6,523) | (4,325) | (25,017) | (5,655) | (19,362) | (8,479) | (10,883) | (6,563) | (4,320) | (14,869) | 199 | (15,068) | (6,291) | (8,777) | (11,985) | (3,083) | (43,837) | (22,659) | (21,178) | (6,899) | (14,279) | 183 | (14,462) |
350. | Utile (Perdita) di periodo di pertinenza della capogruppo | 400,266 | 6,409 | 245,650 | 45,031 | 200,619 | 95,940 | 104,679 | 98,597 | 6,082 | 379,583 | (143,342) | 522,925 | 422,433 | 100,492 | 474,954 | 47,971 | 401,953 | 43,827 | 358,126 | 50,241 | 307,885 | 56,862 | 251,023 |
I valori comparativi al 31 dicembre 2020 e al 31 marzo 2020, esposti rispettivamente negli schemi di Stato patrimoniale e Conto economico che seguono, includono gli effetti dell'applicazione retroattiva del cambiamento di criterio di valutazione degli immobili detenuti a scopo di investimento. |
CE_PROFORMA_IAS39
Conto economico riclassificato pro-forma | |||||||
(in migliaia) | |||||||
Voci | 31.12.2018 | Movimenti pro-forma | 31.12.2018 pro-forma | 31.12.2017 | Variazioni | Var. % | |
10+20 | Margine di interesse | 1,122,437 | (76,367) | 1,046,070 | 1,124,479 | (78,409) | -6.97 |
40+50 | Commissioni nette | 776,265 | - | 776,265 | 740,628 | 35,637 | 4.81 |
70 | Dividendi | 34,339 | - | 34,339 | 12,416 | 21,923 | 176.57 |
80+90+100+110 | Risultato netto della finanza | 104,022 | - | 104,022 | 103,134 | 888 | 0.86 |
230 | Altri oneri/proventi di gestione | 44,209 | - | 44,209 | 58,190 | (13,981) | -24.03 |
Redditività Operativa | 2,081,272 | (76,367) | 2,004,905 | 2,038,847 | (33,942) | -1.66 | |
190 a) | Spese per il personale | (821,494) | - | (821,494) | (783,478) | (38,016) | 4.85 |
190 b) | Altre spese amministrative | (442,431) | - | (442,431) | (425,611) | (16,820) | 3.95 |
210+220 | Rettifiche/Riprese di valore nette su attività materiali e immateriali | (118,939) | - | (118,939) | (87,429) | (31,510) | 36.04 |
Costi della gestione | (1,382,864) | - | (1,382,864) | (1,296,518) | (86,346) | 6.66 | |
Risultato della gestione operativa | 698,408 | (76,367) | 622,041 | 742,329 | (120,288) | -16.20 | |
130 a) | Rettifiche di valore nette su attività al costo ammortizzato | (225,772) | 73,411 | (152,361) | (535,975) | 383,614 | -71.57 |
130 b) | Rettifiche di valore nette su attività al fair value | 2,066 | - | 2,066 | (104,628) | 106,694 | -101.97 |
Rettifiche/Riprese di valore nette su altre attività finanziarie | - | 16,197 | 16,197 | (15,313) | 31,510 | -205.77 | |
140) | Utili/perdite da modifiche contrattuali senza cancellazioni | (2,956) | 2,956 | - | - | - | n.s. |
Rettifiche di valore nette per rischio di credito | (226,662) | 92,564 | (134,098) | (655,916) | 521,818 | -79.56 | |
200 | Accantonamenti netti ai fondi per rischi e oneri | (25,194) | (16,197) | (41,391) | (30,578) | (10,813) | 35.36 |
### | Contributi ai fondi SRF, DGS, FITD-SV | (52,325) | - | (52,325) | (37,721) | (14,604) | 38.72 |
250+270 +280 | Utili (Perdite) delle partecipazioni, da cessione di investimenti e rettifiche di valore dell'avviamento | (48,701) | - | (48,701) | (9,886) | (38,815) | 392.63 |
Avviamento negativo | - | - | - | 190,892 | (190,892) | -100.00 | |
290 | Utile (Perdita) dell'operatività corrente al lordo delle imposte | 345,526 | - | 345,526 | 199,120 | 146,406 | 73.53 |
300 | Imposte sul reddito di periodo dell'operatività corrente | 100,264 | - | 100,264 | (22,238) | 122,502 | -550.87 |
310 | Utile (perdita) dei gruppi di attività in via di dismissione al netto delle imposte | - | - | - | n.s. | ||
330 | Utile (Perdita) di periodo | 445,790 | - | 445,790 | 176,882 | 268,908 | 152.03 |
340 | Utile netto di periodo di pertinenza di terzi | (43,837) | - | (43,837) | (444) | (43,393) | -- |
350 | Utile (Perdita) di periodo di pertinenza della Capogruppo | 401,953 | - | 401,953 | 176,438 | 225,515 | 127.82 |
CE_PROFORMA_IAS39_TRIM
Conto economico riclassificato trimestralizzato pro-forma | |||||||||
Voci | 1° trimestre 2018 pro-forma | 2° trimestre 2018 pro-forma | 3° trimestre 2018 pro-forma | 4° trimestre 2018 pro-forma | 1° trimestre 2017 | 2° trimestre 2017 | 3° trimestre 2017 | 4° trimestre 2017 | |
10+20 | Margine di interesse | 267,597 | 259,511 | 259,014 | 259,948 | 288,114 | 282,005 | 280,218 | 274,142 |
40+50 | Commissioni nette | 198,120 | 190,936 | 188,025 | 199,184 | 177,373 | 181,851 | 184,802 | 196,602 |
70 | Dividendi | 584 | 12,877 | 325 | 20,553 | 312 | 10,812 | 507 | 785 |
80+90+100+110 | Risultato netto della finanza | 153,634 | 16,431 | 20,879 | (86,922) | 24,664 | 25,869 | 20,489 | 32,112 |
230 | Altri oneri/proventi di gestione | 11,485 | 8,174 | 10,998 | 13,552 | 10,310 | 14,298 | 23,565 | 10,017 |
Redditività Operativa | 631,420 | 487,929 | 479,241 | 406,315 | 500,773 | 514,835 | 509,581 | 513,658 | |
190 a) | Spese per il personale | (207,534) | (212,900) | (194,553) | (206,507) | (194,125) | (191,551) | (191,656) | (206,146) |
190 b) | Altre spese amministrative | (102,285) | (109,981) | (104,323) | (125,842) | (96,628) | (104,864) | (107,465) | (116,654) |
210+220 | Rettifiche/Riprese di valore nette su attività materiali e immateriali | (21,339) | (34,986) | (22,933) | (39,681) | (18,685) | (22,012) | (20,653) | (26,079) |
Costi della gestione | (331,158) | (357,867) | (321,809) | (372,030) | (309,438) | (318,427) | (319,774) | (348,879) | |
Risultato della gestione operativa | 300,262 | 130,062 | 157,432 | 34,285 | 191,335 | 196,408 | 189,807 | 164,779 | |
130 a) | Rettifiche di valore nette su attività al costo ammortizzato | (504) | (39,219) | (54,232) | (58,406) | (133,573) | (189,659) | (89,722) | (123,021) |
130 b) | Rettifiche di valore nette su attività al fair value | 1,763 | 141 | 150 | 12 | (17,381) | (54,236) | (29,383) | (3,628) |
Rettifiche/Riprese di valore nette su altre attività finanziarie | 13,964 | (2,041) | 6,920 | (2,646) | 4,647 | 1,787 | 6,446 | (28,193) | |
Rettifiche di valore nette per rischio di credito | 15,223 | (41,119) | (47,162) | (61,040) | (146,307) | (242,108) | (112,659) | (154,842) | |
200 | Accantonamenti netti ai fondi per rischi e oneri | (25,627) | (23,335) | (19,011) | 26,582 | (5,661) | (5,941) | (9,268) | (9,708) |
### | Contributi ai fondi SRF, DGS, FITD-SV | (20,282) | (8,670) | (23,448) | 75 | (18,061) | 2,114 | (20,205) | (1,569) |
250+270 +280 | Utili (Perdite) delle partecipazioni, da cessione di investimenti e rettifiche di valore dell'avviamento | 2,827 | 2,591 | 3,535 | (57,654) | 3,705 | 2,843 | 4,885 | (21,319) |
285 | Avviamento negativo | - | - | - | - | - | 130,722 | - | 60,170 |
290 | Utile (Perdita) dell'operatività corrente al lordo delle imposte | 272,403 | 59,529 | 71,346 | (57,752) | 25,011 | 84,038 | 52,560 | 37,511 |
300 | Imposte sul reddito di periodo dell'operatività corrente | (6,918) | (2,850) | (14,206) | 124,238 | (7,743) | 17,926 | (23,696) | (8,725) |
310 | Utile (perdita) dei gruppi di attività in via di dismissione al netto delle imposte | - | - | - | - | ||||
330 | Utile (Perdita) di periodo | 265,485 | 56,679 | 57,140 | 66,486 | 17,268 | 101,964 | 28,864 | 28,786 |
340 | Utile netto di periodo di pertinenza di terzi | (14,462) | 183 | (6,899) | (22,659) | (2,710) | 2,540 | 1,032 | (1,306) |
350 | Utile (Perdita) di periodo di pertinenza della Capogruppo | 251,023 | 56,862 | 50,241 | 43,827 | 14,558 | 104,504 | 29,896 | 27,480 |
Asset Quality
Asset quality - Finanziamenti verso la clientela valutati al costo ammortizzato | DATO PRO-FORMA CONSIDERATI GLI EFFETTI DELL'OPERAZIONE DI CARTOLARIZZAZIONE SPRING | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
(in migliaia di Euro) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
12/31/05 | 3/31/06 | 6/30/06 | 9/30/06 | 12/31/06 | 3/31/07 | 6/30/07 | 9/30/07 | 12/31/07 | 3/31/08 | 6/30/08 | 9/30/08 | 12/31/08 | 3/31/09 | 6/30/09 | 9/30/09 | 12/31/09 | 3/31/10 | 6/30/10 | 9/30/10 | 12/31/10 | 3/31/11 | 6/30/11 | 9/30/11 | 12/31/11 | 3/31/12 | 6/30/12 | 9/30/12 | 12/31/12 | 3/31/13 | 6/30/13 | 9/30/13 | 12/31/13 | 3/31/14 | 6/30/14 | 9/30/14 | 12/31/14 | 3/31/15 | 6/30/15 | 9/30/15 | 12/31/15 | 3/31/16 | 6/30/16 | 9/30/16 | 12/31/16 | 31/03/2017 | 6/30/17 | 9/30/17 | 12/31/07 | 31/12/2017 RICLASSIFICATO | 01/01/2018 FTA | 31-Mar-18 | 30-Jun-18 | 30-Sep-18 | 31-Dec-18 | 31-Mar-19 | 30-Jun-19 | 30-Sep-19 | 31-Dec-19 | 31-Mar-20 | 30-Jun-20 | 30-Sep-20 | 31-Dec-20 | 31-Mar-21 | ||
Sofferenze | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
lordo | 1,347,208 | 1,362,350 | 1,372,795 | 1,403,657 | 1,412,812 | 1,438,804 | 1,455,569 | 1,482,297 | 1,489,734 | 1,518,887 | 1,527,523 | 1,604,439 | 1,613,274 | 1,929,055 | 2,077,834 | 2,215,178 | 2,306,480 | 2,483,195 | 2,573,774 | 2,760,258 | 2,857,378 | 2,960,233 | 3,129,819 | 3,268,103 | 3,309,203 | 3,479,074 | 3,728,270 | 3,976,854 | 4,175,886 | 4,719,235 | 5,034,734 | 5,263,797 | 5,504,590 | 5,792,634 | 6,079,364 | 6,208,963 | 6,487,495 | 6,592,760 | 6,727,014 | 6,869,780 | 7,108,668 | 7,277,045 | 7,398,263 | 6,963,155 | 7,039,097 | 7,025,454 | 7,107,883 | 7,127,051 | 7,109,151 | 7,109,135 | 7,109,135 | 6,584,085 | 5,905,826 | 5,834,488 | 4,338,160 | 4,323,930 | 4,321,481 | 3,492,294 | 3,448,761 | 3,433,842 | 2,374,280 | 2,357,652 | 2,076,384 | 2,368,453 | |
netto | 409,887 | 414,309 | 430,758 | 444,152 | 469,893 | 488,022 | 490,478 | 504,297 | 515,107 | 521,639 | 520,937 | 558,827 | 576,922 | 724,208 | 777,477 | 849,423 | 908,144 | 988,290 | 1,035,888 | 1,123,626 | 1,215,299 | 1,276,826 | 1,392,784 | 1,486,906 | 1,560,561 | 1,662,878 | 1,781,708 | 1,923,760 | 1,884,687 | 2,156,826 | 2,277,817 | 2,389,707 | 2,478,976 | 2,584,294 | 2,646,696 | 2,708,061 | 2,819,076 | 2,868,001 | 2,901,058 | 2,966,349 | 2,973,986 | 3,045,886 | 3,071,479 | 2,968,566 | 3,009,222 | 2,940,856 | 2,931,885 | 2,921,102 | 2,893,206 | 2,893,190 | 2,319,506 | 2,207,437 | 2,073,670 | 2,071,754 | 1,448,257 | 1,423,799 | 1,425,060 | 1,267,257 | 1,171,281 | 1,157,234 | 882,850 | 849,948 | 726,731 | 998,439 | |
rettifiche | 937,321 | 948,041 | 942,037 | 959,505 | 942,919 | 950,782 | 965,091 | 978,000 | 974,627 | 997,248 | 1,006,586 | 1,045,612 | 1,036,352 | 1,204,847 | 1,300,357 | 1,365,755 | 1,398,336 | 1,494,905 | 1,537,886 | 1,636,632 | 1,642,079 | 1,683,407 | 1,737,035 | 1,781,197 | 1,748,642 | 1,816,196 | 1,946,562 | 2,053,094 | 2,291,199 | 2,562,409 | 2,756,917 | 2,874,090 | 3,025,614 | 3,208,340 | 3,432,668 | 3,500,902 | 3,668,419 | 3,724,759 | 3,825,956 | 3,903,431 | 4,134,682 | 4,231,159 | 4,326,784 | 3,994,589 | 4,029,875 | 4,084,598 | 4,175,998 | 4,205,949 | 4,215,945 | 4,215,945 | 4,789,629 | 4,376,648 | 3,832,156 | 3,762,734 | 2,889,903 | 2,900,131 | 2,896,421 | 2,225,037 | 2,277,480 | 2,276,608 | 1,491,430 | 1,507,704 | 1,349,653 | 1,370,014 | |
svalutazioni dirette | 926,709 | 920,990 | 909,357 | 953,478 | 982,882 | 976,812 | 977,681 | 981,989 | 1,019,435 | 1,011,795 | 1,010,396 | 1,022,014 | 1,047,483 | 1,054,670 | 1,069,364 | 1,066,952 | 1,107,038 | 1,134,483 | 1,134,306 | 1,133,752 | 1,249,172 | 1,262,685 | 1,291,060 | 1,294,072 | 1,262,622 | 1,294,303 | 1,316,247 | 1,314,798 | 1,466,621 | 1,479,165 | 1,485,280 | 1,440,681 | 1,454,301 | 1,440,060 | 1,435,423 | 1,352,208 | 1,318,437 | 1,305,645 | 1,290,408 | 1,283,131 | 1,244,739 | 1,234,035 | 1,194,541 | 1,090,321 | 1,066,784 | 1,043,040 | 990,151 | 949,203 | 858,628 | 858,628 | 858,628 | 838,670 | 711,570 | 705,735 | 727,371 | 797,148 | 781,349 | 474,946 | 444,039 | 464,166 | 312,718 | 358,622 | 302,916 | 693,358 | |
copertura con rif. Bilancio | 69.58% | 69.59% | 68.62% | 68.36% | 66.74% | 66.08% | 66.30% | 65.98% | 65.42% | 65.66% | 65.90% | 65.17% | 64.24% | 62.46% | 62.58% | 61.65% | 60.63% | 60.20% | 59.75% | 59.29% | 57.47% | 56.87% | 55.50% | 54.50% | 52.84% | 52.20% | 52.21% | 51.63% | 54.87% | 54.30% | 54.76% | 54.60% | 54.97% | 55.39% | 56.46% | 56.38% | 56.55% | 56.50% | 56.87% | 56.82% | 58.16% | 58.14% | 58.48% | 57.37% | 57.25% | 58.14% | 58.75% | 59.01% | 59.30% | 59.30% | 67.37% | 66.47% | 64.89% | 64.49% | 66.62% | 67.07% | 67.02% | 63.71% | 66.04% | 66.30% | 62.82% | 63.95% | 65.00% | 57.84% | |
copertura con svalutazioni | 81.97% | 81.86% | 81.12% | 81.16% | 80.39% | 79.80% | 79.84% | 79.54% | 79.47% | 79.39% | 79.47% | 78.72% | 78.32% | 75.73% | 75.30% | 74.12% | 73.40% | 72.68% | 72.06% | 71.14% | 70.41% | 69.76% | 68.50% | 67.41% | 65.87% | 65.16% | 64.68% | 63.65% | 66.60% | 65.20% | 65.06% | 64.36% | 64.38% | 64.27% | 64.78% | 64.18% | 63.89% | 63.69% | 63.82% | 63.62% | 64.40% | 64.21% | 64.26% | 63.14% | 62.88% | 63.55% | 63.80% | 63.83% | 63.69% | 63.69% | 70.89% | 70.26% | 68.66% | 68.32% | 71.41% | 72.20% | 72.07% | 68.06% | 69.91% | 70.31% | 67.14% | 68.71% | 69.46% | 67.39% | |
Inadempienze probabili (*) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
lordo | 732,643 | 749,846 | 719,665 | 767,771 | 689,752 | 705,371 | 726,881 | 744,322 | 768,775 | 835,465 | 885,392 | 946,132 | 1,041,353 | 1,486,692 | 1,957,463 | 2,037,118 | 2,269,007 | 2,317,219 | 2,406,355 | 2,445,340 | 2,381,902 | 2,598,545 | 2,649,855 | 2,873,090 | 2,919,620 | 3,209,537 | 3,415,912 | 3,545,357 | 3,603,448 | 3,491,155 | 4,230,058 | 4,258,506 | 4,343,887 | 4,451,832 | 4,397,488 | 4,435,023 | 4,301,749 | 4,336,165 | 4,149,706 | 4,165,467 | 4,002,044 | 4,045,997 | 4,030,749 | 4,102,541 | 3,976,794 | 3,856,087 | 3,715,597 | 3,575,721 | 3,318,267 | 3,317,327 | 3,317,327 | 3,189,910 | 2,846,565 | 2,867,143 | 2,638,374 | 2,562,006 | 2,525,551 | 2,920,047 | 2,478,777 | 2,462,503 | 2,404,825 | 2,355,582 | 2,125,247 | 2,279,736 | |
netto | 552,967 | 573,811 | 544,332 | 585,221 | 538,605 | 546,101 | 562,380 | 584,171 | 607,969 | 672,214 | 707,907 | 763,386 | 816,699 | 1,155,941 | 1,516,917 | 1,603,671 | 1,802,260 | 1,897,558 | 1,981,062 | 2,035,159 | 1,993,261 | 2,181,117 | 2,215,407 | 2,413,320 | 2,463,096 | 2,726,354 | 2,892,205 | 3,023,648 | 2,894,880 | 2,900,955 | 3,514,924 | 3,554,255 | 3,576,772 | 3,629,606 | 3,583,284 | 3,613,972 | 3,515,490 | 3,503,913 | 3,314,406 | 3,301,549 | 3,126,205 | 3,153,089 | 3,139,759 | 3,190,029 | 3,042,719 | 2,923,029 | 2,735,415 | 2,622,238 | 2,416,300 | 2,415,360 | 1,872,785 | 1,918,245 | 1,652,710 | 1,657,569 | 1,695,789 | 1,680,339 | 1,634,737 | 1,832,934 | 1,660,546 | 1,626,388 | 1,563,881 | 1,487,574 | 1,293,853 | 1,317,301 | |
rettifiche | 179,676 | 176,035 | 175,333 | 182,550 | 151,147 | 159,270 | 164,501 | 160,151 | 160,806 | 163,251 | 177,485 | 182,746 | 224,654 | 330,751 | 440,546 | 433,447 | 466,747 | 419,661 | 425,293 | 410,181 | 388,641 | 417,428 | 434,448 | 459,770 | 456,524 | 483,183 | 523,707 | 521,709 | 708,568 | 590,200 | 715,134 | 704,251 | 767,115 | 822,226 | 814,204 | 821,051 | 786,259 | 832,252 | 835,300 | 863,918 | 875,839 | 892,908 | 890,990 | 912,512 | 934,075 | 933,058 | 980,182 | 953,483 | 901,967 | 901,967 | 1,444,542 | 1,271,665 | 1,193,855 | 1,209,574 | 942,585 | 881,667 | 890,814 | 1,087,113 | 818,231 | 836,115 | 840,944 | 868,008 | 831,394 | 962,435 | |
copertura con rif. Bilancio | 24.52% | 23.48% | 24.36% | 23.78% | 21.91% | 22.58% | 22.63% | 21.52% | 20.92% | 19.54% | 20.05% | 19.32% | 21.57% | 22.25% | 22.51% | 21.28% | 20.57% | 18.11% | 17.67% | 16.77% | 16.32% | 16.06% | 16.40% | 16.00% | 15.64% | 15.05% | 15.33% | 14.72% | 19.66% | 16.91% | 16.91% | 16.54% | 17.66% | 18.47% | 18.52% | 18.51% | 18.28% | 19.19% | 20.13% | 20.74% | 21.88% | 22.07% | 22.10% | 22.24% | 23.49% | 24.20% | 26.38% | 26.67% | 27.18% | 27.19% | 43.55% | 39.87% | 41.94% | 42.19% | 35.73% | 34.41% | 35.27% | 37.23% | 33.01% | 33.95% | 34.97% | 36.85% | 39.12% | 42.22% | |
Esposizioni scadute | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
lordo | 219,644 | 178,815 | 212,633 | 176,142 | 189,749 | 167,734 | 261,461 | 231,365 | 215,881 | 218,894 | 296,175 | 228,793 | 323,922 | 361,261 | 380,981 | 452,314 | 531,667 | 392,143 | 464,251 | 464,494 | 338,510 | 278,452 | 319,410 | 386,199 | 317,290 | 625,952 | 666,612 | 701,942 | 446,693 | 581,645 | 531,974 | 654,885 | 365,452 | 275,181 | 358,238 | 315,958 | 209,195 | 235,612 | 350,737 | 349,927 | 284,111 | 209,036 | 195,839 | 210,653 | 157,671 | 154,443 | 208,116 | 150,023 | 104,264 | 104,264 | 104,264 | 93,761 | 113,958 | 86,573 | 69,021 | 60,853 | 89,511 | 102,514 | 195,003 | 159,419 | 228,490 | 182,821 | 141,309 | 129,638 | |
netto | 217,288 | 177,025 | 210,445 | 174,309 | 183,951 | 161,909 | 253,434 | 224,163 | 209,185 | 212,631 | 287,171 | 221,772 | 313,098 | 351,414 | 369,876 | 439,421 | 515,505 | 381,641 | 448,356 | 449,324 | 326,134 | 269,634 | 309,394 | 374,028 | 306,743 | 606,447 | 645,438 | 678,915 | 421,046 | 541,105 | 497,324 | 605,011 | 343,870 | 256,329 | 334,299 | 295,641 | 192,307 | 217,675 | 322,459 | 322,689 | 255,644 | 190,013 | 179,708 | 192,487 | 145,371 | 142,088 | 191,755 | 133,231 | 93,214 | 93,214 | 89,578 | 81,258 | 99,470 | 75,463 | 60,509 | 53,117 | 78,046 | 87,157 | 166,598 | 130,144 | 187,008 | 145,885 | 109,628 | 95,860 | |
rettifiche | 2,356 | 1,790 | 2,188 | 1,833 | 5,798 | 5,825 | 8,027 | 7,202 | 6,696 | 6,263 | 9,004 | 7,021 | 10,824 | 9,847 | 11,105 | 12,893 | 16,162 | 10,502 | 15,895 | 15,170 | 12,376 | 8,818 | 10,016 | 12,171 | 10,547 | 19,505 | 21,174 | 23,027 | 25,647 | 40,540 | 34,650 | 49,874 | 21,582 | 18,852 | 23,939 | 20,317 | 16,888 | 17,937 | 28,278 | 27,238 | 28,467 | 19,023 | 16,131 | 18,166 | 12,300 | 12,355 | 16,361 | 16,792 | 11,050 | 11,050 | 14,686 | 12,503 | 14,488 | 11,110 | 8,512 | 7,736 | 11,465 | 15,357 | 28,405 | 29,275 | 41,482 | 36,936 | 31,681 | 33,778 | |
copertura con rif. Bilancio | 1.07% | 1.00% | 1.03% | 1.04% | 3.06% | 3.47% | 3.07% | 3.11% | 3.10% | 2.86% | 3.04% | 3.07% | 3.34% | 2.73% | 2.91% | 2.85% | 3.04% | 2.68% | 3.42% | 3.27% | 3.66% | 3.17% | 3.14% | 3.15% | 3.32% | 3.12% | 3.18% | 3.28% | 5.74% | 6.97% | 6.51% | 7.62% | 5.91% | 6.85% | 6.68% | 6.43% | 8.07% | 7.61% | 8.06% | 7.78% | 10.02% | 9.10% | 8.24% | 8.62% | 7.80% | 8.00% | 7.86% | 11.19% | 10.60% | 10.60% | 14.09% | 13.33% | 12.71% | 12.83% | 12.33% | 12.71% | 12.81% | 14.98% | 14.57% | 18.36% | 18.15% | 20.20% | 22.42% | 26.06% | |
TOTALE CREDITI DETERIORATI | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
lordo | 2,299,495 | 2,291,011 | 2,305,093 | 2,347,570 | 2,292,313 | 2,311,909 | 2,443,911 | 2,457,984 | 2,474,390 | 2,573,246 | 2,709,090 | 2,779,364 | 2,978,549 | 3,777,008 | 4,416,278 | 4,704,610 | 5,107,154 | 5,192,557 | 5,444,380 | 5,670,092 | 5,577,790 | 5,837,230 | 6,099,084 | 6,527,392 | 6,546,113 | 7,314,563 | 7,810,794 | 8,224,153 | 8,226,027 | 8,792,035 | 9,796,766 | 10,177,188 | 10,213,929 | 10,519,647 | 10,835,090 | 10,959,944 | 10,998,439 | 11,164,537 | 11,227,457 | 11,385,174 | 11,394,823 | 11,532,078 | 11,624,851 | 11,276,349 | 11,173,562 | 11,035,984 | 11,031,596 | 10,852,795 | 10,531,682 | 10,530,726 | 10,530,726 | 9,867,756 | 8,866,349 | 8,788,204 | 7,045,555 | 6,946,789 | 6,936,543 | 6,514,855 | 6,122,541 | 6,055,764 | 5,007,595 | 4,896,055 | 4,342,940 | 4,777,827 | |
netto | 1,180,142 | 1,165,145 | 1,185,535 | 1,203,682 | 1,192,449 | 1,196,032 | 1,306,292 | 1,312,631 | 1,332,261 | 1,406,484 | 1,516,015 | 1,543,985 | 1,706,719 | 2,231,563 | 2,664,270 | 2,892,515 | 3,225,909 | 3,267,489 | 3,465,306 | 3,608,109 | 3,534,693 | 3,727,577 | 3,917,585 | 4,274,254 | 4,330,400 | 4,995,679 | 5,319,351 | 5,626,323 | 5,200,613 | 5,598,886 | 6,290,065 | 6,548,973 | 6,399,618 | 6,470,229 | 6,564,279 | 6,617,674 | 6,526,873 | 6,589,589 | 6,537,923 | 6,590,587 | 6,355,835 | 6,388,988 | 6,390,946 | 6,351,082 | 6,197,312 | 6,005,973 | 5,859,055 | 5,676,571 | 5,402,720 | 5,401,764 | 4,281,869 | 4,206,940 | 3,825,850 | 3,804,786 | 3,204,555 | 3,157,255 | 3,137,843 | 3,187,348 | 2,998,425 | 2,913,766 | 2,633,739 | 2,483,407 | 2,130,212 | 2,411,600 | |
rettifiche | 1,119,353 | 1,125,866 | 1,119,558 | 1,143,888 | 1,099,864 | 1,115,877 | 1,137,619 | 1,145,353 | 1,142,129 | 1,166,762 | 1,193,075 | 1,235,379 | 1,271,830 | 1,545,445 | 1,752,008 | 1,812,095 | 1,881,245 | 1,925,068 | 1,979,074 | 2,061,983 | 2,043,097 | 2,109,653 | 2,181,499 | 2,253,138 | 2,215,713 | 2,318,884 | 2,491,443 | 2,597,830 | 3,025,414 | 3,193,149 | 3,506,701 | 3,628,215 | 3,814,311 | 4,049,418 | 4,270,811 | 4,342,270 | 4,471,566 | 4,574,948 | 4,689,534 | 4,794,587 | 5,038,988 | 5,143,090 | 5,233,905 | 4,925,267 | 4,976,250 | 5,030,011 | 5,172,541 | 5,176,224 | 5,128,962 | 5,128,962 | 6,248,857 | 5,660,816 | 5,040,499 | 4,983,418 | 3,841,000 | 3,789,534 | 3,798,700 | 3,327,507 | 3,124,116 | 3,141,998 | 2,373,856 | 2,412,648 | 2,212,728 | 2,366,227 | |
svalutazioni dirette | 926,709 | 920,990 | 909,357 | 953,478 | 982,882 | 976,812 | 977,681 | 981,989 | 1,019,435 | 1,011,795 | 1,010,396 | 1,022,014 | 1,047,483 | 1,054,670 | 1,069,364 | 1,066,952 | 1,107,038 | 1,134,483 | 1,134,306 | 1,133,752 | 1,249,172 | 1,262,685 | 1,291,060 | 1,294,072 | 1,262,622 | 1,294,303 | 1,316,247 | 1,314,798 | 1,466,621 | 1,479,165 | 1,485,280 | 1,440,681 | 1,454,301 | 1,440,060 | 1,435,423 | 1,352,208 | 1,318,437 | 1,305,645 | 1,290,408 | 1,283,131 | 1,244,739 | 1,234,035 | 1,194,541 | 1,090,321 | 1,066,784 | 1,043,040 | 990,151 | 949,203 | 858,628 | 858,628 | 858,628 | 838,670 | 711,570 | 705,735 | 727,371 | 797,148 | 781,349 | 474,946 | 444,039 | 464,166 | 312,718 | 358,622 | 302,916 | 693,358 | |
copertura con rif. Bilancio | 48.68% | 49.14% | 48.57% | 48.73% | 47.98% | 48.27% | 46.55% | 46.60% | 46.16% | 45.34% | 44.04% | 44.45% | 42.70% | 40.92% | 39.67% | 38.52% | 36.84% | 37.07% | 36.35% | 36.37% | 36.63% | 36.14% | 35.77% | 34.52% | 33.85% | 31.70% | 31.90% | 31.59% | 36.78% | 36.32% | 35.79% | 35.65% | 37.34% | 38.49% | 39.42% | 39.62% | 40.66% | 40.98% | 41.77% | 42.11% | 44.22% | 44.60% | 45.02% | 43.68% | 44.54% | 45.58% | 46.89% | 47.69% | 48.70% | 48.70% | 59.34% | 57.37% | 56.85% | 56.71% | 54.52% | 54.55% | 54.76% | 51.08% | 51.03% | 51.88% | 47.41% | 49.28% | 50.95% | 49.53% | |
copertura con svalutazioni | 63.42% | 63.73% | 63.12% | 63.54% | 63.59% | 63.63% | 61.82% | 61.84% | 61.87% | 60.77% | 59.24% | 59.38% | 57.61% | 53.81% | 51.43% | 49.88% | 48.09% | 48.36% | 47.33% | 46.97% | 48.22% | 47.50% | 46.99% | 45.35% | 44.54% | 41.97% | 41.72% | 41.02% | 46.34% | 45.49% | 44.25% | 43.63% | 45.15% | 45.90% | 46.50% | 46.25% | 47.01% | 47.16% | 47.77% | 47.98% | 49.71% | 49.95% | 50.15% | 48.64% | 49.37% | 50.28% | 51.26% | 51.90% | 52.57% | 52.57% | 62.40% | 60.71% | 60.06% | 59.92% | 58.77% | 59.23% | 59.34% | 54.40% | 54.34% | 55.31% | 50.50% | 52.74% | 54.15% | 55.92% | |
Crediti in Bonis | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
lordo | 29,738,881 | 28,342,598 | 28,923,002 | 29,328,513 | 30,410,449 | 31,390,323 | 32,570,033 | 32,977,720 | 34,418,434 | 35,182,853 | 37,171,934 | 37,658,594 | 38,856,875 | 40,682,053 | 40,919,923 | 40,622,455 | 42,614,242 | 42,310,924 | 42,751,146 | 44,016,465 | 44,594,937 | 44,446,886 | 44,530,687 | 44,398,344 | 44,152,679 | 43,211,143 | 43,513,503 | 43,043,614 | 43,132,706 | 43,369,051 | 41,557,838 | 40,901,050 | 40,341,356 | 39,590,185 | 39,054,973 | 38,159,786 | 37,603,529 | 37,481,206 | 37,096,487 | 37,063,056 | 37,547,932 | 37,855,442 | 37,796,965 | 37,459,298 | 39,480,917 | 39,866,101 | 41,333,452 | 41,423,178 | 42,637,647 | 42,432,925 | 42,432,925 | 41,382,994 | 42,145,541 | 42,004,205 | 44,011,304 | 43,514,400 | 43,549,549 | 49,515,118 | 49,169,481 | 48,263,447 | 50,081,830 | 50,571,383 | 51,047,978 | 73,339,115 | |
netto | 29,446,251 | 28,089,339 | 28,623,853 | 29,026,798 | 30,081,565 | 31,060,561 | 32,229,454 | 32,627,650 | 34,058,570 | 34,818,729 | 36,789,319 | 37,276,721 | 38,506,716 | 40,308,405 | 40,547,488 | 40,255,822 | 42,215,693 | 41,893,316 | 42,335,302 | 43,603,087 | 44,245,336 | 44,102,592 | 44,203,573 | 44,076,739 | 43,855,887 | 42,927,678 | 43,220,597 | 42,742,989 | 42,848,122 | 43,085,583 | 41,320,362 | 40,658,503 | 40,115,120 | 39,379,089 | 38,852,354 | 37,963,244 | 37,392,808 | 37,275,523 | 36,888,555 | 36,859,196 | 37,346,726 | 37,659,440 | 37,598,763 | 37,279,118 | 39,296,867 | 39,687,797 | 41,137,654 | 41,230,643 | 42,412,088 | 42,207,366 | 42,186,835 | 41,196,644 | 41,976,515 | 41,842,851 | 43,846,387 | 43,354,416 | 43,403,981 | 49,308,713 | 49,007,613 | 48,120,358 | 49,920,665 | 50,405,935 | 50,875,667 | 72,955,814 | |
rettifiche | 292,630 | 253,259 | 299,149 | 301,715 | 328,884 | 329,762 | 340,579 | 350,070 | 359,864 | 364,124 | 382,615 | 381,873 | 350,159 | 373,648 | 372,435 | 366,633 | 398,549 | 417,608 | 415,844 | 413,378 | 349,601 | 344,294 | 327,114 | 321,605 | 296,792 | 283,465 | 292,906 | 300,625 | 284,584 | 283,468 | 237,476 | 242,547 | 226,236 | 211,096 | 202,619 | 196,542 | 210,721 | 205,683 | 207,932 | 203,860 | 201,206 | 196,002 | 198,202 | 180,180 | 184,050 | 178,304 | 195,798 | 192,535 | 225,559 | 225,559 | 246,090 | 186,350 | 169,031 | 161,354 | 164,917 | 159,984 | 145,568 | 206,405 | 161,868 | 143,089 | 161,165 | 165,448 | 172,311 | 383,301 | |
copertura con rif. Bilancio | 0.98% | 0.89% | 1.03% | 1.03% | 1.08% | 1.05% | 1.05% | 1.06% | 1.05% | 1.03% | 1.03% | 1.01% | 0.90% | 0.92% | 0.91% | 0.90% | 0.94% | 0.99% | 0.97% | 0.94% | 0.78% | 0.77% | 0.73% | 0.72% | 0.67% | 0.66% | 0.67% | 0.70% | 0.66% | 0.65% | 0.57% | 0.59% | 0.56% | 0.53% | 0.52% | 0.52% | 0.56% | 0.55% | 0.56% | 0.55% | 0.54% | 0.52% | 0.52% | 0.48% | 0.47% | 0.45% | 0.47% | 0.46% | 0.53% | 0.53% | 0.58% | 0.45% | 0.40% | 0.38% | 0.37% | 0.37% | 0.33% | 0.42% | 0.33% | 0.30% | 0.32% | 0.33% | 0.34% | 0.52% | |
TOTALE CREDITI | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
lordo | 32,038,376 | 30,633,609 | 31,228,095 | 31,676,083 | 32,702,762 | 33,702,232 | 35,013,944 | 35,435,704 | 36,892,824 | 37,756,099 | 39,881,024 | 40,437,958 | 41,835,424 | 44,459,061 | 45,336,201 | 45,327,065 | 47,721,396 | 47,503,481 | 48,195,526 | 49,686,557 | 50,172,727 | 50,284,116 | 50,629,771 | 50,925,736 | 50,698,792 | 50,525,706 | 51,324,297 | 51,267,767 | 51,358,733 | 52,161,086 | 51,354,604 | 51,078,238 | 50,555,285 | 50,109,832 | 49,890,063 | 49,119,730 | 48,601,968 | 48,645,743 | 48,323,944 | 48,448,230 | 48,942,755 | 49,387,520 | 49,421,816 | 48,735,647 | 50,654,479 | 50,902,085 | 52,365,048 | 52,275,973 | 53,169,329 | 52,963,651 | 52,963,651 | 51,250,750 | 51,011,890 | 50,792,409 | 51,056,859 | 50,461,189 | 50,486,092 | 56,029,973 | 55,292,022 | 54,319,211 | 55,089,425 | 55,467,438 | 55,390,918 | 78,116,942 | |
netto | 30,626,393 | 29,254,484 | 29,809,388 | 30,230,480 | 31,274,014 | 32,256,593 | 33,535,746 | 33,940,281 | 35,390,831 | 36,225,213 | 38,305,334 | 38,820,706 | 40,213,435 | 42,539,968 | 43,211,758 | 43,148,337 | 45,441,602 | 45,160,805 | 45,800,608 | 47,211,196 | 47,780,029 | 47,830,169 | 48,121,158 | 48,350,993 | 48,186,287 | 47,923,357 | 48,539,948 | 48,369,312 | 48,048,735 | 48,684,469 | 47,610,427 | 47,207,476 | 46,514,738 | 45,849,318 | 45,416,633 | 44,580,918 | 43,919,681 | 43,865,112 | 43,426,478 | 43,449,783 | 43,702,561 | 44,048,428 | 43,989,709 | 43,630,200 | 45,494,179 | 45,693,770 | 46,996,709 | 46,907,214 | 47,814,808 | 47,609,130 | 46,468,704 | 45,403,584 | 45,802,365 | 45,647,637 | 47,050,942 | 46,511,671 | 46,541,824 | 52,496,061 | 52,006,038 | 51,034,124 | 52,554,404 | 52,889,342 | 53,005,879 | 75,367,414 | |
rettifiche | 1,411,983 | 1,379,125 | 1,418,707 | 1,445,603 | 1,428,748 | 1,445,639 | 1,478,198 | 1,495,423 | 1,501,993 | 1,530,886 | 1,575,690 | 1,617,252 | 1,621,989 | 1,919,093 | 2,124,443 | 2,178,728 | 2,279,794 | 2,342,676 | 2,394,918 | 2,475,361 | 2,392,698 | 2,453,947 | 2,508,613 | 2,574,743 | 2,512,505 | 2,602,349 | 2,784,349 | 2,898,455 | 3,309,998 | 3,476,617 | 3,744,177 | 3,870,762 | 4,040,547 | 4,260,514 | 4,473,430 | 4,538,812 | 4,682,287 | 4,780,631 | 4,897,466 | 4,998,447 | 5,240,194 | 5,339,092 | 5,432,107 | 5,105,447 | 5,160,300 | 5,208,315 | 5,368,339 | 5,368,759 | 5,354,521 | 5,354,521 | 6,494,947 | 5,847,166 | 5,209,530 | 5,144,772 | 4,005,917 | 3,949,518 | 3,944,268 | 3,533,912 | 3,285,984 | 3,285,087 | 2,535,021 | 2,578,096 | 2,385,039 | 2,749,528 | |
svalutazioni dirette | 926,709 | 920,990 | 909,357 | 953,478 | 982,882 | 976,812 | 977,681 | 981,989 | 1,019,435 | 1,011,795 | 1,010,396 | 1,022,014 | 1,047,483 | 1,054,670 | 1,069,364 | 1,066,952 | 1,107,038 | 1,134,483 | 1,134,306 | 1,133,752 | 1,249,172 | 1,262,685 | 1,291,060 | 1,294,072 | 1,262,622 | 1,294,303 | 1,316,247 | 1,314,798 | 1,466,621 | 1,479,165 | 1,485,280 | 1,440,681 | 1,454,301 | 1,440,060 | 1,435,423 | 1,352,208 | 1,318,437 | 1,305,645 | 1,290,408 | 1,283,131 | 1,244,739 | 1,234,035 | 1,194,541 | 1,090,321 | 1,066,784 | 1,043,040 | 990,151 | 949,203 | 858,628 | 858,628 | 858,628 | 838,670 | 711,570 | 705,735 | 727,371 | 797,148 | 781,349 | 474,946 | 444,039 | 464,166 | 312,718 | 358,622 | 302,916 | 693,358 | |
copertura con rif. Bilancio | 4.41% | 4.50% | 4.54% | 4.56% | 4.37% | 4.29% | 4.22% | 4.22% | 4.07% | 4.05% | 3.95% | 4.00% | 3.88% | 4.32% | 4.69% | 4.81% | 4.78% | 4.93% | 4.97% | 4.98% | 4.77% | 4.88% | 4.95% | 5.06% | 4.96% | 5.15% | 5.43% | 5.65% | 6.44% | 6.67% | 7.29% | 7.58% | 7.99% | 8.50% | 8.97% | 9.24% | 9.63% | 9.83% | 10.13% | 10.32% | 10.71% | 10.81% | 10.99% | 10.48% | 10.19% | 10.23% | 10.25% | 10.27% | 10.07% | 10.11% | 12.26% | 11.41% | 10.21% | 10.13% | 7.85% | 7.83% | 7.81% | 6.31% | 5.94% | 6.05% | 4.60% | 4.65% | 4.31% | 3.52% | |
copertura con svalutazioni | 7.09% | 7.29% | 7.24% | 7.35% | 7.16% | 6.99% | 6.82% | 6.80% | 6.65% | 6.56% | 6.32% | 6.37% | 6.23% | 6.53% | 6.88% | 7.00% | 6.94% | 7.15% | 7.15% | 7.10% | 7.08% | 7.21% | 7.32% | 7.41% | 7.27% | 7.52% | 7.79% | 8.01% | 9.04% | 9.24% | 9.90% | 10.11% | 10.57% | 11.06% | 11.51% | 11.67% | 12.02% | 12.18% | 12.47% | 12.63% | 12.92% | 12.98% | 13.09% | 12.43% | 12.04% | 12.03% | 11.92% | 11.87% | 11.50% | 11.54% | 13.66% | 12.84% | 11.45% | 11.36% | 9.14% | 9.26% | 9.22% | 7.09% | 6.69% | 6.84% | 5.14% | 5.26% | 4.83% | 4.37% | |
- 0 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Voce 130 a): Rettifiche/Riprese di valore nette per deterioramento di crediti | 94,085 | 10,099 | 47,513 | 80,685 | 129,372 | 23,515 | 64,376 | 98,186 | 140,819 | 36,107 | 96,539 | 147,517 | 204,314 | 102,077 | 309,382 | 406,261 | 581,376 | 103,885 | 192,922 | 263,100 | 377,939 | 75,088 | 175,719 | 259,787 | 344,055 | 98,725 | 289,608 | 419,478 | 958,393 | 161,628 | 439,759 | 591,383 | 781,585 | 211,820 | 416,792 | 580,088 | 812,734 | 147,504 | 297,741 | 424,897 | 705,799 | 114,167 | 276,102 | 400,680 | 619,750 | 133,573 | 323,232 | 412,954 | 535,975 | 535,975 | 535,975 | 26,141 | 82,688 | 152,775 | 222,315 | 71,328 | 145,960 | 305,369 | 444,818 | 139,991 | 293,837 | 400,361 | 534,605 | 417,667 | |
Indici: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- | costo del credito (annualizzato) | 0.31% | 0.14% | 0.32% | 0.36% | 0.41% | 0.29% | 0.38% | 0.39% | 0.40% | 0.40% | 0.50% | 0.51% | 0.51% | 0.96% | 1.43% | 1.26% | 1.28% | 0.92% | 0.84% | 0.74% | 0.79% | 0.63% | 0.73% | 0.72% | 0.71% | 0.82% | 1.19% | 1.16% | 1.99% | 1.33% | 1.85% | 1.67% | 1.68% | 1.85% | 1.84% | 1.73% | 1.85% | 1.35% | 1.37% | 1.30% | 1.62% | 1.04% | 1.26% | 1.22% | 1.36% | 1.17% | 1.38% | 1.17% | 1.12% | 1.13% | 1.15% | 0.23% | 0.36% | 0.45% | 0.47% | 0.61% | 0.63% | 0.78% | 0.86% | 1.10% | 1.12% | 1.01% | 1.01% | 2.22% |
- | sofferenze lorde / crediti lordi verso clientela | 4.20% | 4.45% | 4.40% | 4.43% | 4.32% | 4.27% | 4.16% | 4.18% | 4.04% | 4.02% | 3.83% | 3.97% | 3.86% | 4.34% | 4.58% | 4.89% | 4.83% | 5.23% | 5.34% | 5.56% | 5.70% | 5.89% | 6.18% | 6.42% | 6.53% | 6.89% | 7.26% | 7.76% | 8.13% | 9.05% | 9.80% | 10.31% | 10.89% | 11.56% | 12.19% | 12.64% | 13.35% | 13.55% | 13.92% | 14.18% | 14.52% | 14.73% | 14.97% | 14.29% | 13.90% | 13.80% | 13.57% | 13.63% | 13.37% | 13.42% | 13.42% | 12.85% | 11.58% | 11.49% | 8.50% | 8.57% | 8.56% | 6.23% | 6.24% | 6.32% | 4.31% | 4.25% | 3.75% | 3.03% |
- | sofferenze nette / crediti netti verso clientela | 1.34% | 1.42% | 1.45% | 1.47% | 1.50% | 1.51% | 1.46% | 1.49% | 1.46% | 1.44% | 1.36% | 1.44% | 1.43% | 1.70% | 1.80% | 1.97% | 2.00% | 2.19% | 2.26% | 2.38% | 2.54% | 2.67% | 2.89% | 3.08% | 3.24% | 3.47% | 3.67% | 3.98% | 3.92% | 4.43% | 4.78% | 5.06% | 5.33% | 5.64% | 5.83% | 6.07% | 6.42% | 6.54% | 6.68% | 6.83% | 6.81% | 6.91% | 6.98% | 6.80% | 6.61% | 6.44% | 6.24% | 6.23% | 6.05% | 6.08% | 4.99% | 4.86% | 4.53% | 4.54% | 3.08% | 3.06% | 3.06% | 2.41% | 2.25% | 2.27% | 1.68% | 1.61% | 1.37% | 1.32% |
- | inadempienze probabili lorde / crediti lordi verso clientela | 2.29% | 2.45% | 2.30% | 2.42% | 2.11% | 2.09% | 2.08% | 2.10% | 2.08% | 2.21% | 2.22% | 2.34% | 2.49% | 3.34% | 4.32% | 4.49% | 4.75% | 4.88% | 4.99% | 4.92% | 4.75% | 5.17% | 5.23% | 5.64% | 5.76% | 6.35% | 6.66% | 6.92% | 7.02% | 6.69% | 8.24% | 8.34% | 8.59% | 8.88% | 8.81% | 9.03% | 8.85% | 8.91% | 8.59% | 8.60% | 8.18% | 8.19% | 8.16% | 8.42% | 7.85% | 7.58% | 7.10% | 6.84% | 6.24% | 6.26% | 6.26% | 6.22% | 5.58% | 5.64% | 5.17% | 5.08% | 5.00% | 5.21% | 4.48% | 4.53% | 4.37% | 4.25% | 3.84% | 2.92% |
- | inadempienze probabili nette / crediti netti verso clientela | 1.81% | 1.96% | 1.83% | 1.94% | 1.72% | 1.69% | 1.68% | 1.72% | 1.72% | 1.86% | 1.85% | 1.97% | 2.03% | 2.72% | 3.51% | 3.72% | 3.97% | 4.20% | 4.33% | 4.31% | 4.17% | 4.56% | 4.60% | 4.99% | 5.11% | 5.69% | 5.96% | 6.25% | 6.02% | 5.96% | 7.38% | 7.53% | 7.69% | 7.92% | 7.89% | 8.11% | 8.00% | 7.99% | 7.63% | 7.60% | 7.15% | 7.16% | 7.14% | 7.31% | 6.69% | 6.40% | 5.82% | 5.59% | 5.05% | 5.07% | 4.03% | 4.22% | 3.61% | 3.63% | 3.60% | 3.61% | 3.51% | 3.49% | 3.19% | 3.19% | 2.98% | 2.81% | 2.44% | 1.75% |
- | esposizioni scadute lorde / crediti lordi verso clientela | 0.69% | 0.58% | 0.68% | 0.56% | 0.58% | 0.50% | 0.75% | 0.65% | 0.59% | 0.58% | 0.74% | 0.57% | 0.77% | 0.81% | 0.84% | 1.00% | 1.11% | 0.83% | 0.96% | 0.93% | 0.67% | 0.55% | 0.63% | 0.76% | 0.63% | 1.24% | 1.30% | 1.37% | 0.87% | 1.12% | 1.04% | 1.28% | 0.72% | 0.55% | 0.72% | 0.64% | 0.43% | 0.48% | 0.73% | 0.72% | 0.58% | 0.42% | 0.40% | 0.43% | 0.31% | 0.30% | 0.40% | 0.29% | 0.20% | 0.20% | 0.20% | 0.18% | 0.22% | 0.17% | 0.14% | 0.12% | 0.18% | 0.18% | 0.32% | 0.29% | 0.41% | 0.33% | 0.26% | 0.17% |
- | esposizioni scadute nette / crediti netti verso clientela | 0.71% | 0.61% | 0.71% | 0.58% | 0.59% | 0.50% | 0.76% | 0.66% | 0.59% | 0.59% | 0.75% | 0.57% | 0.78% | 0.83% | 0.86% | 1.02% | 1.13% | 0.85% | 0.98% | 0.95% | 0.68% | 0.56% | 0.64% | 0.77% | 0.64% | 1.27% | 1.33% | 1.40% | 0.88% | 1.11% | 1.04% | 1.28% | 0.74% | 0.56% | 0.74% | 0.66% | 0.44% | 0.50% | 0.74% | 0.74% | 0.58% | 0.43% | 0.41% | 0.44% | 0.32% | 0.31% | 0.41% | 0.28% | 0.19% | 0.20% | 0.19% | 0.18% | 0.22% | 0.17% | 0.13% | 0.11% | 0.17% | 0.17% | 0.35% | 0.26% | 0.36% | 0.28% | 0.21% | 0.13% |
- | crediti deteriorati lordi / crediti lordi verso clientela | 7.18% | 7.48% | 7.38% | 7.41% | 7.01% | 6.86% | 6.98% | 6.94% | 6.71% | 6.82% | 6.79% | 6.87% | 7.12% | 8.50% | 9.74% | 10.38% | 10.70% | 10.93% | 11.30% | 11.41% | 11.12% | 11.61% | 12.05% | 12.82% | 12.91% | 14.48% | 15.22% | 16.04% | 16.02% | 16.86% | 19.08% | 19.92% | 20.20% | 20.99% | 21.72% | 22.31% | 22.63% | 22.95% | 23.23% | 23.50% | 23.28% | 23.35% | 23.52% | 23.14% | 22.06% | 21.68% | 21.07% | 20.76% | 19.81% | 19.88% | 19.88% | 19.25% | 17.38% | 17.30% | 13.80% | 13.77% | 13.74% | 11.63% | 11.07% | 11.15% | 9.09% | 8.83% | 7.84% | 6.12% |
- | crediti deteriorati netti / crediti netti verso clientela | 3.85% | 3.98% | 3.98% | 3.98% | 3.81% | 3.71% | 3.90% | 3.87% | 3.76% | 3.88% | 3.96% | 3.98% | 4.24% | 5.25% | 6.17% | 6.70% | 7.10% | 7.24% | 7.57% | 7.64% | 7.40% | 7.79% | 8.14% | 8.84% | 8.99% | 10.42% | 10.96% | 11.63% | 10.82% | 11.50% | 13.21% | 13.87% | 13.76% | 14.11% | 14.45% | 14.84% | 14.86% | 15.02% | 15.06% | 15.17% | 14.54% | 14.50% | 14.53% | 14.56% | 13.62% | 13.14% | 12.47% | 12.10% | 11.30% | 11.35% | 9.21% | 9.27% | 8.35% | 8.34% | 6.81% | 6.79% | 6.74% | 6.07% | 5.77% | 5.71% | 5.01% | 4.70% | 4.02% | 3.20% |
(*) Per quanto concerne la categoria "Inadempienze Probabili" introdotta con decorrenza 1o gennaio 2015 dalle nuove norme di vigilanza (in particolare la Circolare n. 272 di Banca d'Italia - 7o aggiornamento del 20 gennaio 2015 e la Circolare n. 262 di Banca d'Italia - 4o aggiornamento del 15 dicembre 2015), i valori antecedenti al 2015 sono esposti come aggregazione delle esposizioni classificate come "Incagli" ed "Esposizioni ristrutturate". |
TRANSIZIONE IFRS9
AGG | ||||
(in migliaia) | ||||
Voci dell'attivo | 31.12.2017 | Impatto IFRS 9 | 01.01.2018 | |
10. | Cassa e disponibilità liquide | 420,299 | - | 420,299 |
20. | Attività finanziarie valutate al fair value con impatto a conto economico | 1,326,601 | (33,519) | 1,293,082 |
a) attività finanziarie detenute per la negoziazione; | 414,294 | - | 414,294 | |
b) attività finanziarie designate al fair value; | 223,192 | - | 223,192 | |
c) altre attività finanziarie obbligatoriamente valutate al fair value | 689,115 | (33,519) | 655,596 | |
30. | Attività finanziarie valutate al fair value con impatto sulla redditività complessiva | 13,398,757 | 151,937 | 13,550,694 |
40. | Attività finanziarie valutate al costo ammortizzato | 51,561,586 | (1,133,870) | 50,427,716 |
a) crediti verso banche | 3,205,849 | (8,937) | 3,196,912 | |
b) crediti verso clientela | 48,355,737 | (1,124,933) | 47,230,804 | |
50. | Derivati di copertura | 54,061 | - | 54,061 |
60. | Adeguamento di valore delle attività finanziarie oggetto di copertura generica (+/-) | - | - | - |
70. | Partecipazioni | 454,367 | - | 454,367 |
80. | Riserve tecniche a carico dei riassicuratori | - | - | - |
90. | Attività materiali | 1,063,483 | - | 1,063,483 |
100. | Attività immateriali | 506,627 | - | 506,627 |
di cui: | ||||
- avviamento | 327,084 | - | 327,084 | |
110. | Attività fiscali | 1,848,127 | (2,516) | 1,845,611 |
a) correnti | 575,441 | - | 575,441 | |
b) anticipate | 1,272,686 | (2,516) | 1,270,170 | |
120. | Attività non correnti e gruppi di attività in via di dismissione | - | - | - |
130. | Altre attività | 704,899 | - | 704,899 |
Totale dell'attivo | 71,338,807 | (1,017,968) | 70,320,839 | |
(in migliaia) | ||||
Voci del passivo e del patrimonio netto | 31.12.2017 | Impatto IFRS 9 | 01.01.2018 | |
10. | Passività finanziarie valutate al costo ammortizzato | 63,230,643 | 515 | 63,231,158 |
a) debiti verso banche | 12,984,226 | - | 12,984,226 | |
b) debiti verso la clientela | 42,694,078 | - | 42,694,078 | |
c) titoli in circolazione | 7,552,339 | 515 | 7,552,854 | |
20. | Passività finanziarie di negoziazione | 170,046 | - | 170,046 |
30. | Passività finanziarie designate al fair value | - | - | - |
40. | Derivati di copertura | 23,795 | - | 23,795 |
50. | Adeguamento di valore delle passività finanziarie oggetto di copertura generica (+/-) | - | - | - |
60. | Passività fiscali | 106,218 | 51,038 | 157,257 |
a) correnti | 2,258 | 377 | 2,636 | |
b) differite | 103,960 | 50,661 | 154,620 | |
80. | Altre passività | 1,416,660 | - | 1,416,660 |
90. | Trattamento di fine rapporto del personale | 187,536 | - | 187,536 |
100. | Fondi per rischi e oneri: | 487,178 | 14,340 | 501,518 |
a) impegni e garanzie rilasciate | 46,793 | 14,340 | 61,133 | |
b) quiescenza e obblighi simili | 137,148 | - | 137,148 | |
c) altri fondi per rischi e oneri | 303,237 | - | 303,237 | |
120. | Riserve da valutazione | 75,089 | 129,334 | 204,423 |
150. | Riserve | 2,445,454 | (1,012,010) | 1,433,444 |
160. | Sovrapprezzi di emissione | 930,073 | - | 930,073 |
170. | Capitale | 1,443,925 | - | 1,443,925 |
180. | Azioni proprie (-) | (7,258) | - | (7,258) |
190. | Patrimonio di pertinenza di terzi (+/-) | 653,010 | (201,185) | 451,825 |
200. | Utile (Perdita) di periodo (+/-) | 176,438 | - | 176,438 |
Totale del passivo e del patrimonio netto | 71,338,807 | (1,017,968) | 70,320,839 |
SP 2008 - 2017
Stato patrimoniale consolidato | ||||||||||||||||||||||||||||||||||||||||||||||||||
(in migliaia di Euro) | ||||||||||||||||||||||||||||||||||||||||||||||||||
Voci dell'attivo | 31.12.2017 | 30.09.2017 | 30.06.2017 | 31.03.2017 | 31.12.2016 | 30.09.2016 | 30.06.2016 | 31.03.2016 | 31.12.2015 | 30.09.2015 | 30.06.2015 | 31.03.2015 | 31.12.2014 | 30.09.2014 | 30.06.2014 | 31.03.2014 | 31.12.2013 | 30.09.2013 | 30.06.2013 | 31.03.2013 | 31.12.2012 | 30.09.2012 | 30.06.2012 | 31.03.2012 | 31.12.2011 | 30.09.2011 | 30.06.2011 | 31.03.2011 | 31.12.2010 | 30.09.2010 | 30.06.2010 | 31.03.2010 | 31.12.2009 | 30.09.2009 | 30.06.2009 | 31.03.2009 | 31.12.2008 | 30.09.2008 | 30.06.2008 | 31.03.2008 | 31.12.2007 | 30.09.2007 | 30.06.2007 | 31.03.2007 | 31.12.2006 | 30.09.2006 | 30.06.2006 | 31.03.2006 | 31.12.2005 | |
10. | Cassa e disponibilità liquide | 420,299 | 356,774 | 365,772 | 316,008 | 364,879 | 348,364 | 339,844 | 354,274 | 390,371 | 361,508 | 364,869 | 336,751 | 450,766 | 388,032 | 396,682 | 352,564 | 488,522 | 421,763 | 383,088 | 359,568 | 488,873 | 382,072 | 409,534 | 377,298 | 463,315 | 415,183 | 449,309 | 394,360 | 422,920 | 398,525 | 425,094 | 381,013 | 424,768 | 408,513 | 430,765 | 387,562 | 489,976 | 401,345 | 439,597 | 372,296 | 484,325 | 303,671 | 304,289 | 268,848 | 370,833 | 268,213 | 267,529 | 252,864 | 340,437 |
20. | Attività finanziarie detenute per la negoziazione | 663,134 | 712,093 | 647,051 | 750,057 | 676,844 | 723,611 | 769,336 | 756,794 | 790,403 | 845,007 | 915,238 | 1,079,617 | 1,033,286 | 981,046 | 1,047,737 | 1,053,291 | 1,117,939 | 1,159,484 | 1,260,270 | 1,371,961 | 1,596,048 | 1,824,193 | 1,962,269 | 2,050,745 | 2,123,489 | 2,075,525 | 2,085,905 | 2,221,213 | 2,314,497 | 2,476,033 | 2,630,004 | 2,528,589 | 2,151,137 | 2,357,757 | 2,645,295 | 2,905,358 | 3,108,253 | 3,499,878 | 4,558,020 | 4,224,952 | 4,395,561 | 4,456,175 | 5,056,909 | 4,710,878 | 4,373,934 | 3,762,532 | 3,850,634 | 4,149,886 | 4,284,840 |
30. | Attività finanziarie valutate al fair value | 83,299 | 80,762 | 81,785 | 84,580 | 84,307 | 82,779 | 83,490 | 82,094 | 86,639 | 101,303 | 106,446 | 109,422 | 110,249 | 108,122 | 126,416 | 138,983 | 149,899 | 151,919 | 148,427 | 147,244 | 151,450 | 161,432 | 189,339 | 206,181 | 216,089 | 235,043 | 253,922 | 271,438 | 301,382 | 349,963 | 370,985 | 402,594 | 401,682 | 426,776 | 513,403 | 605,770 | 669,130 | 802,729 | 863,344 | 889,359 | 974,666 | 1,039,932 | 1,182,012 | 1,260,735 | 1,316,622 | 1,496,670 | 1,673,072 | 1,816,842 | 1,825,708 |
40. | Attività finanziarie disponibili per la vendita | 12,076,053 | 12,003,211 | 11,608,567 | 11,211,255 | 10,433,222 | 10,009,044 | 9,511,427 | 8,657,467 | 8,022,164 | 8,346,530 | 8,296,471 | 7,589,460 | 6,944,927 | 6,844,522 | 6,920,238 | 6,400,095 | 6,630,062 | 5,915,811 | 5,831,204 | 5,294,000 | 4,679,402 | 4,659,893 | 4,028,249 | 3,271,131 | 2,605,192 | 2,552,147 | 1,926,493 | 1,747,433 | 1,709,432 | 1,509,605 | 1,352,865 | 939,031 | 826,325 | 770,300 | 726,963 | 705,211 | 649,802 | 715,395 | 1,127,988 | 1,120,914 | 1,213,156 | 1,196,952 | 1,248,724 | 1,367,423 | 1,432,489 | 1,361,090 | 1,395,547 | 1,790,135 | 1,657,215 |
50. | Attività finanziarie detenute sino alla scadenza | 2,637,135 | 2,657,986 | 2,614,287 | 2,617,027 | 2,515,993 | 2,554,580 | 2,649,908 | 2,662,059 | 2,663,859 | 2,545,547 | 2,459,678 | 2,521,902 | 2,213,497 | 1,576,633 | 1,344,268 | 1,282,026 | 1,207,868 | 1,203,539 | 1,222,451 | 1,211,586 | 818,050 | 704,848 | 679,550 | 686,013 | 693,502 | 691,762 | 696,608 | 703,281 | 705,154 | 702,736 | 707,885 | 714,289 | 558,738 | 404,977 | 258,409 | 200,889 | - | - | - | - | - | - | - | - | - | - | - | - | - |
60. | Crediti verso banche | 3,012,515 | 3,038,392 | 3,497,504 | 3,260,232 | 1,331,811 | 1,123,966 | 1,045,431 | 966,175 | 1,087,313 | 1,288,965 | 1,476,213 | 1,345,670 | 1,709,298 | 2,028,140 | 1,611,930 | 1,861,654 | 1,587,781 | 1,702,179 | 2,352,568 | 1,896,971 | 2,250,781 | 2,293,024 | 1,966,586 | 2,384,661 | 2,832,122 | 2,944,967 | 2,706,546 | 2,746,796 | 1,888,687 | 1,980,450 | 2,131,353 | 2,122,523 | 2,431,588 | 4,145,941 | 3,598,308 | 4,055,027 | 3,793,630 | 4,034,280 | 2,543,721 | 3,086,724 | 3,276,588 | 2,867,339 | 2,970,552 | 2,503,869 | 3,900,048 | 3,984,822 | 4,058,236 | 3,139,829 | 2,038,230 |
70. | Crediti verso clientela | 47,814,808 | 46,907,214 | 46,996,709 | 45,693,770 | 45,494,179 | 43,630,200 | 43,989,709 | 44,048,428 | 43,702,561 | 43,449,783 | 43,426,478 | 43,865,112 | 43,919,681 | 44,580,918 | 45,416,633 | 45,849,318 | 46,514,738 | 47,207,476 | 47,610,427 | 48,684,469 | 48,048,735 | 48,369,312 | 48,539,948 | 47,923,357 | 48,186,287 | 48,350,993 | 48,121,158 | 47,830,169 | 47,780,029 | 47,211,196 | 45,800,608 | 45,160,805 | 45,441,602 | 43,148,337 | 43,211,758 | 42,539,968 | 40,213,435 | 38,820,706 | 38,305,334 | 36,225,213 | 35,390,831 | 33,940,281 | 33,535,746 | 32,256,593 | 31,274,014 | 30,230,480 | 29,809,388 | 29,254,485 | 30,626,393 |
80. | Derivati di copertura | 54,061 | 73,817 | 72,532 | 55,941 | 62,365 | 73,120 | 72,904 | 57,330 | 38,182 | 46,520 | 41,836 | 46,252 | 36,744 | 38,910 | 29,530 | 11,782 | 3,751 | 2,381 | 2,246 | 2,416 | - | 4 | 108 | 513 | - | - | 124 | 906 | 556 | 21,759 | 141,395 | 96,475 | 18,705 | 68,737 | 55,033 | 229,595 | 782,481 | 328,427 | 2,154 | 45,516 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 |
90. | Adeguamento di valore di attività oggetto di copertura generica | - 0 | - 0 | - 0 | - 0 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 827 | 1,060 | 1,112 | 978 | 906 | 870 | 769 | - | - | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | ||||||||||||
100. | Partecipazioni | 454,367 | 444,409 | 437,812 | 418,581 | 413,923 | 434,824 | 430,571 | 438,110 | 415,200 | 257,451 | 264,493 | 255,311 | 257,660 | 257,701 | 253,609 | 254,197 | 250,970 | 257,371 | 259,124 | 266,294 | 269,094 | 267,401 | 269,902 | 285,149 | 281,806 | 306,586 | 312,125 | 341,486 | 336,720 | 329,222 | 343,862 | 351,376 | 333,215 | 200,115 | 198,262 | 354,201 | 381,753 | 367,217 | 367,551 | 396,657 | 396,565 | 373,032 | 363,583 | 379,123 | 245,323 | 213,560 | 237,355 | 238,542 | 90,312 |
120. | Attività materiali | 1,063,483 | 1,060,591 | 1,061,580 | 963,714 | 969,470 | 950,517 | 931,908 | 934,901 | 941,121 | 948,095 | 953,158 | 1,021,064 | 1,028,931 | 1,020,055 | 1,023,525 | 1,013,735 | 1,022,430 | 982,487 | 987,531 | 994,328 | 984,217 | 971,068 | 975,741 | 983,511 | 989,727 | 993,178 | 995,021 | 997,070 | 997,107 | 1,006,307 | 1,002,056 | 978,138 | 981,115 | 977,451 | 970,754 | 967,834 | 963,133 | 929,215 | 928,316 | 925,445 | 924,344 | 936,225 | 920,810 | 918,279 | 918,880 | 928,613 | 930,343 | 926,561 | 930,766 |
130. | Attività immateriali | 506,627 | 514,829 | 514,178 | 512,273 | 520,829 | 505,219 | 503,616 | 509,976 | 515,164 | 490,939 | 491,761 | 493,198 | 498,009 | 486,593 | 487,322 | 487,625 | 491,215 | 475,991 | 477,528 | 477,684 | 467,488 | 459,115 | 459,231 | 459,122 | 457,446 | 509,675 | 510,363 | 510,645 | 510,770 | 503,362 | 495,289 | 499,035 | 500,766 | 497,760 | 497,995 | 482,294 | 367,958 | 258,355 | 256,553 | 255,145 | 254,583 | 253,855 | 253,658 | 253,719 | 253,873 | 254,133 | 265,284 | 294,587 | 294,591 |
- di cui: avviamento | 327,084 | 355,441 | 355,441 | 361,505 | 355,441 | 377,141 | 377,141 | 380,395 | 380,395 | 380,395 | 380,395 | 380,416 | 380,416 | 380,416 | 380,416 | 380,416 | 380,416 | 383,045 | 383,045 | 383,045 | 375,935 | 375,947 | 375,947 | 376,184 | 376,029 | 437,318 | 441,753 | 441,771 | 445,543 | 443,169 | 443,201 | 448,620 | 451,814 | 476,037 | 476,086 | 461,030 | 347,718 | 239,773 | 239,810 | 240,005 | 240,006 | 240,482 | 240,539 | 240,796 | 240,905 | 241,119 | 253,652 | 282,488 | 282,595 | |
140. | Attività fiscali | 1,848,127 | 1,773,988 | 1,873,656 | 1,460,712 | 1,518,027 | 1,375,691 | 1,446,130 | 1,399,410 | 1,471,928 | 1,308,631 | 1,357,683 | 1,281,670 | 1,361,322 | 1,183,068 | 1,213,905 | 1,174,233 | 1,184,567 | 987,426 | 1,069,469 | 960,300 | 957,066 | 731,504 | 722,957 | 650,766 | 694,047 | 534,504 | 503,585 | 489,665 | 525,540 | 570,281 | 563,373 | 691,936 | 449,927 | 502,122 | 482,507 | 639,223 | 564,335 | 344,940 | 334,048 | 460,316 | 462,450 | 348,140 | 347,660 | 444,614 | 445,892 | 298,397 | 298,682 | 403,051 | 404,928 |
a) correnti | 575,441 | 492,027 | 473,789 | 161,626 | 221,395 | 142,332 | 209,914 | 144,354 | 208,238 | 73,252 | 138,951 | 96,740 | 181,989 | 78,464 | 135,806 | 88,894 | 145,989 | 64,270 | 113,581 | 71,964 | 113,483 | 26,521 | 22,207 | 25,706 | 43,040 | 31,464 | 34,528 | 35,195 | 77,091 | 131,956 | 133,890 | 281,826 | 53,478 | 168,827 | 159,024 | 351,170 | 345,593 | 144,725 | 143,748 | 292,219 | 296,095 | 129,797 | 128,858 | 231,086 | 231,065 | 103,192 | 102,650 | 189,681 | 187,808 | |
b) anticipate | 1,272,686 | 1,281,961 | 1,399,867 | 1,299,086 | 1,296,632 | 1,233,359 | 1,236,216 | 1,255,056 | 1,263,690 | 1,235,379 | 1,218,732 | 1,184,930 | 1,179,333 | 1,104,604 | 1,078,099 | 1,085,339 | 1,038,578 | 923,156 | 955,888 | 888,336 | 843,583 | 704,983 | 700,750 | 625,060 | 651,007 | 503,040 | 469,057 | 454,470 | 448,449 | 438,325 | 429,483 | 410,110 | 396,449 | 333,295 | 323,483 | 288,053 | 218,742 | 200,215 | 190,300 | 168,097 | 166,355 | 218,343 | 218,802 | 213,528 | 214,827 | 195,205 | 196,032 | 213,370 | 217,121 | |
b1) di cui alla Legge 214/2011 | 1,021,455 | 1,064,624 | 1,161,212 | 1,068,205 | 1,073,172 | 1,035,097 | 1,046,584 | 1,059,926 | 1,072,618 | 1,050,668 | 1,041,460 | 1,022,979 | 1,018,156 | 951,053 | 927,358 | 938,763 | 893,224 | 785,990 | 810,809 | 760,792 | 715,316 | - | - | - | - | - | - | - | - | |||||||||||||||||||||
150. | Attività non correnti e gruppi di attività in via di dismissione | - 0 | - 0 | 7,653 | - 0 | - | - | - | - | - | 2,817 | 2,817 | 2,817 | 2,817 | 2,817 | 2,817 | 2,817 | 2,817 | 2,817 | 5,307 | 2,817 | 18,329 | 62,223 | 54,145 | 54,918 | 45,820 | 44,222 | 48,269 | 44,293 | 116,419 | 126,556 | 41,895 | 3,901,295 | 3,891,307 | 3,643,577 | 3,673,021 | 12,632 | 8,274 | 8,000 | 8,000 | 9,922 | 10,346 | 8,000 | 13,187 | 13,500 | 13,643 | - | 149,396 | - | - |
160. | Altre attività | 704,899 | 672,707 | 733,158 | 539,651 | 574,175 | 820,876 | 676,116 | 540,538 | 1,136,326 | 665,393 | 767,777 | 656,629 | 1,085,733 | 986,062 | 1,056,303 | 828,765 | 1,105,493 | 967,758 | 968,225 | 727,999 | 907,165 | 994,103 | 785,449 | 816,376 | 898,219 | 796,510 | 744,332 | 972,931 | 889,203 | 742,123 | 814,640 | 858,849 | 949,608 | 735,751 | 806,570 | 754,773 | 779,932 | 784,208 | 826,752 | 819,981 | 760,618 | 630,183 | 753,450 | 698,610 | 712,081 | 630,549 | 811,271 | 778,959 | 871,036 |
Totale dell'attivo | 71,338,807 | 70,296,773 | 70,512,244 | 67,883,801 | 64,960,024 | 62,632,791 | 62,450,390 | 61,407,556 | 61,261,231 | 60,658,489 | 60,924,918 | 60,604,875 | 60,652,920 | 60,482,619 | 60,930,915 | 60,711,085 | 61,758,052 | 61,438,402 | 62,577,865 | 62,398,464 | 61,637,758 | 61,881,304 | 61,043,986 | 60,150,647 | 60,487,931 | 60,451,064 | 59,353,760 | 59,271,686 | 58,498,416 | 57,928,118 | 56,821,304 | 59,625,948 | 59,360,483 | 58,288,114 | 58,069,043 | 54,840,337 | 52,772,092 | 51,294,695 | 50,561,378 | 48,832,440 | 48,544,033 | 46,353,785 | 46,950,580 | 45,076,191 | 45,257,632 | 43,429,059 | 43,746,737 | 43,045,741 | 43,364,456 | |
(in migliaia di Euro) | ||||||||||||||||||||||||||||||||||||||||||||||||||
Voci del passivo e del patrimonio netto | 2005 | 31.12.2017 | 30.09.2017 | 31.03.2017 | 31.03.2017 | 31.12.2016 | 30.09.2016 | 31.03.2016 | 31.03.2016 | 31.12.2015 | 30.09.2015 | 30.06.2015 | 31.03.2015 | 31.12.2014 | 30.09.2014 | 30.06.2014 | 31.03.2014 | 31.12.2013 | 30.09.2013 | 30.06.2013 | 31.03.2013 | 31.12.2012 | 30.09.2012 | 30.06.2012 | 31.03.2012 | 31.12.2011 | 30.09.2011 | 30.06.2011 | 31.03.2011 | 31.12.2010 | 30.09.2010 | 30.06.2010 | 31.03.2010 | 31.12.2009 | 30.09.2009 | 30.06.2009 | 31.03.2009 | 31.12.2008 | 30.09.2008 | 30.06.2008 | 31.03.2008 | 31.12.2007 | 30.09.2007 | 30.06.2007 | 31.03.2007 | 31.12.2006 | 30.09.2006 | 30.06.2006 | 31.03.2006 | 31.12.2005 |
12754775 | 12754775 | |||||||||||||||||||||||||||||||||||||||||||||||||
10. | Debiti verso banche | 12,984,226 | 12,754,775 | 12,525,199 | 12,888,622 | 9,462,678 | 8,353,142 | 8,086,124 | 6,497,622 | 5,522,992 | 5,728,139 | 6,091,707 | 6,849,585 | 6,479,558 | 5,440,294 | 7,316,650 | 6,758,626 | 7,820,719 | 8,035,535 | 9,192,032 | 7,810,745 | 7,269,461 | 8,525,498 | 7,951,304 | 6,251,832 | 5,210,768 | 5,321,825 | 3,311,069 | 3,009,642 | 3,698,165 | 2,806,726 | 2,411,116 | 2,730,888 | 2,190,602 | 2,302,306 | 2,144,092 | 2,476,204 | 1,160,379 | 2,108,065 | 2,864,148 | 2,285,596 | 2,104,978 | 1,747,364 | 2,114,347 | 1,739,877 | 1,729,437 | 1,629,239 | 1,553,719 | 1,955,745 | 2,490,118 |
20. | Debiti verso clientela | 42,694,078 | 41,092,910 | 40,105,854 | 38,251,219 | 38,912,714 | 36,319,209 | 35,954,498 | 36,009,324 | 35,887,658 | 34,375,105 | 34,661,323 | 33,132,463 | 33,964,259 | 33,284,854 | 32,509,875 | 33,082,762 | 33,681,447 | 32,504,053 | 32,836,106 | 33,079,866 | 32,288,488 | 30,976,706 | 29,731,537 | 29,122,250 | 30,705,177 | 30,420,970 | 31,227,300 | 31,947,040 | 32,901,629 | 32,942,589 | 32,216,825 | 30,556,805 | 30,905,724 | 28,683,125 | 28,682,213 | 27,989,032 | 28,029,033 | 27,140,069 | 26,668,586 | 25,551,127 | 26,513,502 | 25,715,663 | 26,132,069 | 24,734,275 | 25,482,850 | 24,299,198 | 24,276,742 | 23,226,235 | 23,984,084 |
30. | Titoli in circolazione | 7,504,019 | 8,147,877 | 8,452,606 | 8,280,969 | 8,587,243 | 8,845,379 | 9,269,179 | 9,835,347 | 10,494,565 | 10,908,398 | 10,515,755 | 11,074,649 | 10,518,262 | 11,081,692 | 11,106,518 | 10,716,050 | 10,186,690 | 9,818,702 | 10,204,479 | 10,802,537 | 11,047,786 | 10,876,432 | 12,229,092 | 13,536,333 | 13,759,886 | 13,201,024 | 13,377,643 | 13,149,138 | 12,686,443 | 11,893,287 | 12,832,741 | 13,682,526 | 14,309,263 | 15,619,998 | 15,394,369 | 15,968,641 | 15,779,492 | 14,710,843 | 13,525,226 | 13,476,419 | 12,496,233 | 11,710,010 | 11,252,846 | 10,995,427 | 10,504,892 | 10,474,834 | 10,440,893 | 10,621,122 | 9,791,326 |
40. | Passività finanziarie di negoziazione | 169,459 | 242,156 | 194,074 | 319,138 | 226,837 | 264,613 | 271,429 | 259,206 | 242,149 | 262,689 | 252,835 | 295,376 | 243,210 | 242,324 | 225,570 | 214,552 | 198,059 | 196,530 | 191,908 | 211,879 | 216,864 | 223,765 | 222,409 | 196,275 | 212,733 | 194,318 | 161,281 | 201,050 | 154,738 | 182,809 | 197,385 | 196,892 | 121,070 | 116,200 | 108,904 | 114,347 | 72,245 | 46,573 | 56,779 | 53,355 | 136,966 | 133,442 | 225,139 | 132,712 | 199,690 | 133,884 | 137,579 | 109,319 | 103,619 |
50. | Passività finanziarie valutate al fair value | 48,320 | 70,515 | 70,016 | 69,591 | 247,933 | 409,037 | 440,975 | 579,399 | 873,558 | 890,720 | 982,518 | 1,087,772 | 1,700,614 | 1,909,806 | 2,096,066 | 2,442,213 | 2,952,035 | 3,143,502 | 3,211,702 | 3,525,410 | 3,865,649 | 4,137,015 | 4,175,480 | 4,277,950 | 4,115,072 | 4,013,773 | 3,978,857 | 3,764,710 | 2,695,583 | 2,597,084 | 2,533,439 | 2,222,096 | 1,785,656 | 1,502,747 | 1,476,448 | 1,420,849 | 1,423,947 | 1,041,721 | 1,088,761 | 1,161,036 | 1,125,612 | 1,133,356 | 1,197,982 | 1,307,189 | 1,377,862 | 1,403,961 | 1,425,903 | 1,432,585 | 1,429,680 |
60. | Derivati di copertura | 24,383 | 24,445 | 38,536 | 42,196 | 40,697 | 48,453 | 42,888 | 31,252 | 23,715 | 21,846 | 32,451 | 18,718 | 12,986 | 19,199 | 35,834 | 35,573 | 37,825 | 39,920 | 34,357 | 40,670 | 37,661 | 39,223 | 30,153 | 31,978 | 33,336 | 28,867 | 20,541 | 21,032 | 19,098 | 18,263 | 14,138 | 2 | 83,164 | 124,105 | 401,220 | 409,922 | 90,286 | 2,669 | 197,487 | 22,855 | - | - | - | - | - | - | - | - | - |
80. | Passività fiscali | 106,218 | 106,289 | 100,509 | 90,479 | 100,992 | 125,683 | 119,846 | 112,903 | 109,013 | 137,420 | 113,299 | 148,368 | 118,794 | 198,431 | 167,522 | 214,337 | 134,873 | 165,348 | 175,223 | 229,073 | 169,626 | 240,102 | 127,661 | 193,571 | 100,730 | 151,367 | 87,274 | 85,086 | 57,457 | 234,781 | 163,753 | 361,083 | 93,167 | 277,374 | 199,166 | 454,693 | 330,314 | 259,578 | 185,753 | 398,368 | 363,618 | 320,577 | 245,604 | 452,344 | 375,174 | 288,950 | 215,299 | 417,015 | 345,564 |
a) correnti | 2,258 | 2,563 | 2,857 | 2,748 | 1,715 | 2,285 | 4,391 | - | 3,911 | 16,953 | 2,641 | 6,698 | 5,263 | 31,619 | 5,244 | 67,048 | 12,405 | 57,820 | 73,739 | 88,866 | 46,426 | 135,166 | 58,246 | 117,436 | 41,067 | 94,221 | 36,007 | 35,982 | 6,460 | 182,629 | 115,987 | 311,556 | 45,683 | 228,792 | 151,090 | 407,093 | 282,038 | 219,598 | 145,942 | 352,740 | 315,160 | 261,564 | 181,909 | 377,391 | 299,382 | 217,038 | 139,854 | 328,912 | 270,155 | |
b) differite | 103,960 | 103,726 | 97,652 | 87,731 | 99,277 | 123,398 | 115,455 | 112,903 | 105,102 | 120,467 | 110,658 | 141,670 | 113,531 | 166,812 | 162,278 | 147,289 | 122,468 | 107,528 | 101,484 | 140,207 | 123,200 | 104,936 | 69,415 | 76,135 | 59,663 | 57,146 | 51,267 | 49,104 | 50,997 | 52,152 | 47,766 | 49,527 | 47,484 | 48,582 | 48,076 | 47,600 | 48,276 | 39,980 | 39,811 | 45,628 | 48,458 | 59,013 | 63,695 | 74,953 | 75,792 | 71,912 | 75,445 | 88,103 | 75,409 | |
90. | Passività associate ad attività in via di dismissione | - | - | - | - | - | - 0 | - | - | - | - | - | - | - | - 0 | - | - | - | - | - | - | 8,800 | 38,112 | 36,203 | 36,203 | 36,203 | 39,061 | 41,983 | 1,893 | 98,326 | 119,404 | - | 3,668,879 | 3,687,693 | 3,440,122 | 3,465,989 | 27 | - | - | - | - | - | - | - | - | - | - | 107,081 | - | - |
100. | Altre passività | 1,463,452 | 1,493,556 | 2,679,904 | 1,813,132 | 1,197,062 | 1,910,632 | 1,964,342 | 1,745,558 | 1,844,715 | 2,010,975 | 2,061,161 | 1,802,891 | 1,527,412 | 2,197,885 | 2,150,531 | 1,938,832 | 1,520,458 | 2,352,135 | 1,574,376 | 1,427,214 | 1,465,718 | 1,262,963 | 1,166,309 | 1,088,536 | 1,092,968 | 2,107,772 | 2,177,252 | 2,134,951 | 1,261,260 | 2,205,904 | 1,646,941 | 1,375,535 | 1,395,299 | 1,464,872 | 1,522,892 | 1,448,244 | 1,356,103 | 1,488,702 | 1,547,909 | 1,393,296 | 1,323,256 | 1,134,378 | 1,385,191 | 1,134,091 | 1,151,227 | 1,141,798 | 1,654,490 | 1,284,073 | 1,442,437 |
110. | Trattamento di fine rapporto del personale | 187,536 | 192,081 | 198,550 | 184,950 | 205,364 | 210,076 | 209,736 | 202,019 | 200,669 | 200,289 | 206,592 | 215,834 | 221,919 | 227,943 | 221,914 | 208,040 | 208,390 | 206,888 | 213,331 | 232,904 | 223,324 | 212,319 | 211,201 | 204,920 | 207,585 | 210,319 | 212,817 | 211,841 | 218,200 | 232,733 | 231,826 | 229,006 | 229,751 | 224,394 | 228,745 | 241,259 | 233,972 | 222,959 | 226,197 | 232,079 | 232,696 | 232,457 | 232,982 | 271,913 | 271,029 | 267,156 | 267,032 | 284,834 | 282,716 |
120. | Fondi per rischi e oneri: | 440,385 | 487,807 | 512,124 | 408,409 | 422,791 | 428,347 | 429,549 | 430,627 | 410,399 | 406,206 | 349,948 | 366,990 | 355,775 | 329,191 | 323,424 | 316,864 | 305,796 | 279,419 | 293,763 | 287,464 | 281,329 | 430,273 | 398,412 | 371,442 | 367,083 | 371,347 | 376,410 | 363,632 | 363,433 | 356,796 | 360,890 | 338,472 | 338,205 | 313,886 | 337,834 | 330,319 | 338,040 | 337,232 | 326,751 | 316,231 | 315,729 | 343,183 | 338,852 | 332,950 | 327,537 | 270,948 | 268,339 | 286,610 | 277,480 |
a) quiescenza e obblighi simili | 137,148 | 132,636 | 132,146 | 133,956 | 136,409 | 146,321 | 143,415 | 134,474 | 124,500 | 125,645 | 127,258 | 146,205 | 145,078 | 143,663 | 141,420 | 129,498 | 120,859 | 107,063 | 106,447 | 113,790 | 104,833 | 253,090 | 249,616 | 225,109 | 227,946 | 225,729 | 225,261 | 217,732 | 216,577 | 211,839 | 211,220 | 195,193 | 194,010 | 165,115 | 175,435 | 166,586 | 167,583 | 176,708 | 173,920 | 167,729 | 167,643 | 165,194 | 165,265 | 161,616 | 159,416 | 135,853 | 136,979 | 148,067 | 144,112 | |
b) altri fondi | 303,237 | 355,171 | 379,978 | 274,453 | 286,382 | 282,026 | 286,134 | 296,153 | 285,899 | 280,561 | 222,690 | 220,785 | 210,697 | 185,528 | 182,004 | 187,366 | 184,937 | 172,356 | 187,316 | 173,674 | 176,496 | 177,183 | 148,796 | 146,333 | 139,137 | 145,618 | 151,149 | 145,900 | 146,856 | 144,957 | 149,670 | 143,279 | 144,195 | 148,771 | 162,399 | 163,733 | 170,457 | 160,524 | 152,831 | 148,502 | 148,086 | 177,989 | 173,587 | 171,334 | 168,121 | 135,095 | 131,360 | 138,543 | 133,368 | |
140. | Riserve da valutazione | 110,558 | 106,658 | 85,263 | 57,758 | 89,951 | 160,714 | 148,121 | 159,450 | 148,982 | 352,935 | 304,482 | 243,314 | 186,840 | 176,205 | 164,559 | 158,643 | 139,472 | 118,263 | 113,860 | 161,713 | 199,447 | 184,090 | 99,917 | 142,345 | 49,349 | 97,795 | 149,671 | 174,559 | 161,824 | 183,771 | 178,472 | 213,547 | 200,115 | 220,762 | 222,942 | 187,510 | 164,769 | 123,565 | 149,238 | 143,950 | 220,052 | 244,204 | 300,490 | 465,092 | 448,391 | 411,408 | 400,918 | 515,354 | 402,860 |
160. | Strumenti di capitale | - | - | - | - | - | - 0 | - | - | - | - | - | - | - | - 0 | - | - | - | - | - | - | - | - 0 | - | - | - | - | - | - | - | - 0 | - | - | - | - | - | - | - | - | - | - | - | 22,749 | 23,367 | 23,987 | 24,121 | 32,185 | 32,217 | 30,054 | 30,634 |
170. | Riserve | 2,409,985 | 2,404,802 | 2,405,123 | 2,425,230 | 2,410,357 | 2,410,861 | 2,407,667 | 2,514,586 | 2,288,125 | 2,289,783 | 2,290,678 | 2,314,835 | 2,301,760 | 2,271,372 | 2,270,350 | 2,290,578 | 2,267,929 | 2,266,222 | 2,265,665 | 2,244,897 | 2,264,190 | 2,262,689 | 2,264,168 | 2,283,797 | 2,078,268 | 2,027,749 | 2,025,433 | 2,014,272 | 1,766,622 | 1,755,879 | 1,757,339 | 1,777,866 | 1,679,231 | 1,655,268 | 1,653,847 | 1,681,657 | 1,592,565 | 1,592,523 | 1,587,413 | 1,727,369 | 1,350,357 | 1,344,727 | 1,346,822 | 1,440,168 | 1,101,634 | 1,115,231 | 1,096,103 | 1,245,835 | 976,247 |
180. | Sovrapprezzi di emissione | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,073 | 930,077 | 922,256 | 624,156 | 624,156 | 624,156 | 624,154 | 624,154 | 619,463 | 619,462 | 619,462 | 619,462 | 678,057 | 675,369 | 350,108 | 350,106 | 350,105 | 350,105 | 350,090 | 350,066 | 350,074 | 350,012 | 350,007 | 350,079 | 350,547 | 350,556 | 341,305 | 341,305 | 341,354 | 341,353 | 337,622 | 335,287 | 319,967 | 317,010 | 152,952 | 143,488 | 423,498 | 423,498 |
190. | Capitale | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,443,925 | 1,439,034 | 1,001,483 | 1,001,483 | 1,001,483 | 1,001,482 | 1,001,482 | 998,165 | 998,165 | 998,165 | 998,165 | 998,164 | 996,426 | 761,132 | 761,131 | 761,131 | 761,131 | 761,117 | 761,080 | 761,080 | 761,080 | 761,079 | 761,077 | 761,077 | 761,077 | 757,458 | 757,458 | 757,458 | 757,458 | 755,992 | 755,085 | 749,433 | 749,433 | 700,485 | 697,842 | 232,614 | 232,614 |
200. | Azioni proprie | (7,258) | (7,258) | (7,258) | (7,258) | (7,258) | (7,258) | (7,258) | (7,255) | (7,255) | (7,256) | (7,255) | (7,256) | (7,259) | (7,272) | (7,272) | (7,272) | (7,272) | (7,272) | (7,264) | (7,266) | (7,266) | (7,290) | (7,290) | (82,917) | (83,336) | (83,183) | (83,183) | (83,183) | (83,183) | (83,227) | (83,287) | (83,295) | (83,327) | (83,327) | (83,399) | (84,219) | (84,006) | (83,690) | (81,496) | (79,774) | (75,423) | (58,434) | (38,167) | (34,921) | (34,829) | (30,999) | (7,396) | (2,140) | (2,441) |
210. | Patrimonio di pertinenza di terzi | 653,010 | 657,204 | 658,684 | 670,810 | 674,366 | 678,745 | 674,554 | 632,545 | 627,287 | 624,656 | 622,195 | 642,141 | 639,991 | 688,304 | 687,835 | 687,376 | 678,816 | 679,315 | 674,155 | 719,338 | 700,325 | 720,073 | 707,026 | 732,174 | 715,675 | 1,097,605 | 1,098,081 | 1,103,236 | 1,094,461 | 1,098,911 | 1,055,605 | 1,186,504 | 1,197,991 | 1,196,029 | 1,158,899 | 1,051,307 | 1,039,657 | 995,773 | 971,930 | 981,240 | 963,191 | 946,348 | 904,896 | 907,699 | 885,343 | 892,335 | 869,720 | 902,213 | 877,687 |
220. | Utile dell'esercizio | 176,438 | 148,958 | 119,062 | 14,558 | 14,299 | 101,160 | 64,742 | 30,975 | 220,661 | 82,586 | 73,231 | 45,197 | 14,797 | 61,101 | 35,900 | 28,272 | 7,176 | 14,206 | (21,464) | 14,392 | (11,271) | 141,707 | 82,777 | 87,737 | 214,639 | 139,215 | 80,094 | 61,551 | 293,124 | 271,201 | 192,975 | 57,988 | 115,787 | 119,167 | 43,726 | 38,921 | 133,663 | 209,350 | 147,933 | 70,481 | 374,455 | 290,147 | 197,788 | 103,988 | 346,831 | 245,494 | 166,768 | 80,775 | 276,333 |
Totale del passivo e del patrimonio netto | 71,338,807 | 70,296,773 | 70,512,244 | 67,883,801 | 64,960,024 | 62,632,791 | 62,450,390 | 61,407,556 | 61,261,231 | 60,658,489 | 60,924,918 | 60,604,875 | 60,652,920 | 60,482,619 | 60,930,915 | 60,711,085 | 61,758,052 | 61,438,402 | 62,577,865 | 62,398,464 | 61,637,758 | 61,881,304 | 61,043,986 | 60,150,647 | 60,487,931 | 60,451,064 | 59,353,760 | 59,271,686 | 58,498,416 | 57,928,118 | 56,821,304 | 59,625,948 | 59,360,483 | 58,288,114 | 58,069,043 | 54,840,337 | 52,772,092 | 51,294,695 | 50,561,378 | 48,832,440 | 48,544,033 | 46,353,785 | 46,950,580 | 45,076,191 | 45,257,632 | 43,429,059 | 43,746,737 | 43,045,741 | 43,364,456 | |
(*) Al 30 giugno 2017 si è concluso il processo di Purchase Price Allocation (PPA) della Cassa di Risparmio di Saluzzo, il cui controllo era stato acquisito nel quarto trimestre 2016 e relativamente al quale, al 31 dicembre 2016, si era proceduto ad un'allocazione provvisoria del prezzo di acquisto; la conclusione del processo ha comportato, ai sensi del paragrafo 45 dell'IFRS 3, la modifica dei dati riferiti al 31 dicembre 2016 rispetto a quelli precedentemente pubblicati, a seguito della identificazione di Attività Immateriali a vita utile definita per Euro 9.061 mila, la contestuale rilevazione di Passività Fiscali differite per Euro 2.996 mila e la conseguente riduzione dell'Avviamento provvisoriamente rilevato per Euro 6.065 mila. |
CE 2008 - 2017
Conto economico consolidato | ||||||||||||||||||||||||||||||||||||||||||||||||||
(in migliaia di Euro) | ||||||||||||||||||||||||||||||||||||||||||||||||||
Voci | 2005 | 31.12.2017 | 30.09.2017 | 30.06.2017 | 31.03.2017 | 31.12.2016 | 30.09.2016 | 30.06.2016 | 31.03.2016 | 31.12.2015 | 30.09.2015 | 30.06.2015 | 31.03.2015 | 31.12.2014 | 30.09.2014 | 30.06.2014 | 31.03.2014 | 31.12.2013 | 30.09.2013 | 30.06.2013 | 31.03.2013 | 31.12.2012 | 30.09.2012 | 30.06.2012 | 31.03.2012 | 31.12.2011 | 30.09.2011 | 30.06.2011 | 31.03.2011 | 31.12.2010 | 30.09.2010 | 30.06.2010 | 31.03.2010 | 31.12.2009 | 30.09.2009 | 30.06.2009 | 31.03.2009 | 31.12.2008 | 30.09.2008 | 30.06.2008 | 31.03.2008 | 31.12.2007 | 30.09.2007 | 30.06.2007 | 31.03.2007 | 31.12.2006 | 30.09.2006 | 30.06.2006 | 31.03.2006 | 31.12.2005 |
10. | Interessi attivi e proventi assimilati | 1,416,396 | 1,065,138 | 706,601 | 355,137 | 1,483,051 | 1,117,592 | 758,133 | 384,670 | 1,648,399 | 1,249,343 | 846,488 | 431,035 | 1,908,288 | 1,454,951 | 984,333 | 494,548 | 2,060,585 | 1,555,772 | 1,045,365 | 522,914 | 2,196,449 | 1,655,108 | 1,113,166 | 566,498 | 2,106,791 | 1,538,199 | 992,338 | 479,437 | 1,838,853 | 1,363,193 | 900,283 | 451,455 | 2,175,007 | 1,693,443 | 1,208,235 | 629,993 | 2,904,053 | 2,139,380 | 1,388,574 | 681,667 | 2,485,190 | 1,804,739 | 1,165,757 | 567,459 | 1,967,213 | 1,424,501 | 920,551 | 447,766 | 1,662,499 |
20. | Interessi passivi e oneri assimilati | (291,917) | (214,801) | (136,482) | (67,023) | (312,604) | (241,488) | (167,757) | (87,870) | (420,858) | (324,842) | (224,023) | (116,940) | (616,479) | (476,452) | (325,874) | (164,728) | (770,596) | (591,589) | (408,169) | (211,799) | (886,910) | (674,307) | (456,009) | (229,990) | (776,348) | (549,537) | (341,728) | (156,934) | (549,312) | (403,303) | (266,227) | (133,624) | (835,071) | (679,773) | (508,967) | (290,909) | (1,395,798) | (1,027,184) | (658,860) | (320,848) | (980,258) | (708,495) | (448,940) | (210,921) | (681,611) | (486,662) | (310,128) | (149,589) | (550,927) |
30. | Margine di interesse | 1,124,479 | 850,337 | 570,119 | 288,114 | 1,170,447 | 876,104 | 590,376 | 296,800 | 1,227,541 | 924,501 | 622,465 | 314,095 | 1,291,809 | 978,499 | 658,459 | 329,820 | 1,289,989 | 964,183 | 637,196 | 311,115 | 1,309,539 | 980,801 | 657,157 | 336,508 | 1,330,443 | 988,662 | 650,610 | 322,503 | 1,289,541 | 959,890 | 634,056 | 317,831 | 1,339,936 | 1,013,670 | 699,268 | 339,084 | 1,508,255 | 1,112,196 | 729,714 | 360,819 | 1,504,932 | 1,096,244 | 716,817 | 356,538 | 1,285,602 | 937,839 | 610,423 | 298,177 | 1,111,572 |
40. | Commissioni attive | 776,606 | 570,930 | 376,627 | 185,947 | 745,959 | 557,443 | 374,375 | 185,186 | 762,474 | 565,041 | 377,393 | 188,020 | 739,119 | 552,662 | 370,233 | 184,023 | 751,186 | 559,585 | 373,265 | 184,746 | 762,806 | 571,006 | 378,773 | 183,096 | 735,130 | 546,548 | 359,679 | 181,967 | 745,518 | 556,362 | 377,971 | 188,490 | 696,373 | 488,494 | 298,214 | 144,200 | 565,891 | 370,522 | 242,504 | 120,099 | 505,822 | 371,193 | 244,670 | 120,204 | 501,731 | 360,563 | 260,214 | 129,394 | 535,699 |
50. | Commissioni passive | (35,978) | (26,904) | (17,403) | (8,574) | (33,237) | (24,522) | (16,257) | (8,103) | (35,781) | (27,344) | (17,540) | (8,817) | (48,455) | (38,172) | (24,755) | (12,573) | (52,928) | (40,099) | (26,454) | (13,457) | (54,865) | (40,576) | (25,247) | (11,292) | (41,436) | (30,429) | (18,693) | (9,757) | (55,394) | (40,677) | (27,143) | (12,292) | (58,406) | (43,031) | (27,907) | (13,060) | (50,000) | (36,956) | (23,640) | (10,894) | (53,977) | (41,031) | (24,912) | (12,594) | (58,327) | (41,608) | (27,916) | (12,330) | (53,375) |
60. | Commissioni nette | 740,628 | 544,026 | 359,224 | 177,373 | 712,722 | 532,921 | 358,118 | 177,083 | 726,693 | 537,697 | 359,853 | 179,203 | 690,664 | 514,490 | 345,478 | 171,450 | 698,258 | 519,486 | 346,811 | 171,289 | 707,941 | 530,430 | 353,526 | 171,804 | 693,694 | 516,119 | 340,986 | 172,210 | 690,124 | 515,685 | 350,828 | 176,198 | 637,967 | 445,463 | 270,307 | 131,140 | 515,891 | 333,566 | 218,864 | 109,205 | 451,845 | 330,162 | 219,758 | 107,610 | 443,404 | 318,955 | 232,298 | 117,064 | 482,324 |
70. | Dividendi e proventi simili | 12,416 | 11,631 | 11,124 | 312 | 9,872 | 9,156 | 8,818 | 86 | 15,953 | 14,289 | 13,832 | 249 | 19,392 | 18,306 | 18,191 | 574 | 24,086 | 23,530 | 22,990 | 575 | 5,003 | 4,547 | 4,208 | 920 | 7,298 | 5,381 | 4,804 | 825 | 5,009 | 4,789 | 4,535 | 1,736 | 6,139 | 6,388 | 5,940 | 1,088 | 15,993 | 15,257 | 14,452 | 1,075 | 22,172 | 17,630 | 17,007 | 954 | 19,127 | 18,958 | 17,519 | 1,456 | 17,830 |
80. | Risultato netto dell'attività di negoziazione | 38,015 | 33,275 | 19,989 | 10,920 | 7,944 | (17,706) | (29,757) | (25,801) | 32,831 | 14,995 | 14,404 | 20,413 | 16,533 | 14,342 | 9,936 | 4,290 | 48,113 | 32,874 | 20,358 | 8,317 | 98,377 | 90,382 | 52,423 | 72,137 | (70,102) | (46,783) | 14,783 | 23,909 | (17,586) | (3,010) | (14,320) | 14,047 | 125,598 | 112,446 | 65,138 | 15,591 | (68,306) | (12,483) | (14,758) | (2,301) | (102,143) | (56,135) | (35,857) | (6,546) | (59,559) | (41,584) | (26,293) | (13,680) | (51,258) |
90. | Risultato netto dell'attività di copertura | (493) | (228) | (259) | (300) | (335) | (91) | 38 | 120 | (889) | (799) | (165) | 355 | 1,074 | 835 | 322 | 231 | (592) | (191) | (206) | (280) | (1,234) | (1,074) | (691) | (329) | (1,182) | (939) | 3 | 74 | 168 | 138 | 91 | 66 | 371 | 601 | 406 | (127) | 232 | (420) | (251) | 432 | - | - | - | - | - | - | - | - | - |
100. | Utile (perdita) da cessione o riacquisto di: | 64,374 | 37,372 | 30,386 | 13,630 | 107,662 | 103,674 | 92,475 | 37,346 | 315,466 | 67,129 | 44,320 | 28,438 | 164,299 | 126,057 | 100,421 | 67,761 | 165,578 | 112,496 | 98,158 | 24,834 | 91,980 | 50,039 | 33,044 | 11,984 | 11,318 | 11,957 | 10,104 | 95 | 34,316 | 35,824 | 34,675 | 48 | 18,893 | 17,742 | 15,275 | 13,036 | 14,833 | 8,085 | 7,450 | 587 | 39,345 | 29,342 | 28,794 | 20,760 | 63,779 | 49,940 | 43,881 | 8,894 | 3,309 |
a) crediti | (12,431) | (13,022) | (7,852) | 1,253 | (9,748) | (3,461) | 1,034 | 7 | 4,023 | 4,205 | 4,405 | 3,804 | (29,959) | (29,550) | 166 | 107 | (929) | (1,215) | (687) | 36 | (774) | (468) | (346) | 169 | 219 | 995 | 987 | 492 | (2,348) | 203 | 619 | 311 | 528 | 322 | 156 | 322 | 1 | - | - | - | (5) | (5) | - | 1 | 54 | 1,022 | 54 | 15 | 38 | |
b) attività finanziarie disponibili per la vendita | 76,024 | 49,871 | 37,844 | 12,378 | 118,627 | 108,280 | 92,447 | 38,237 | 313,171 | 63,626 | 40,578 | 25,092 | 194,546 | 155,607 | 100,214 | 67,430 | 162,054 | 110,062 | 97,421 | 23,417 | 68,014 | 25,990 | 10,726 | 11,077 | 5,346 | 5,408 | 4,925 | (65) | 38,315 | 36,923 | 34,943 | (111) | 6,492 | 5,510 | 2,934 | 977 | 6,618 | 6,289 | 6,230 | 12 | 40,032 | 30,579 | 30,656 | 20,282 | 62,636 | 48,245 | 43,533 | 8,902 | 11,790 | |
c) attività finanziarie detenute sino alla scadenza | 316 | 316 | 316 | - 0 | - | - | - | - | 221 | 208 | 208 | (92) | - | - | - | - | - | - | - | - | (179) | (179) | (179) | (179) | - | 1 | - | 9 | - | - | - | - | (12) | (13) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
d) passività finanziarie | 465 | 207 | 78 | (1) | (1,217) | (1,145) | (1,006) | (898) | (1,949) | (910) | (871) | (366) | (288) | - | 41 | 224 | 4,453 | 3,649 | 1,424 | 1,381 | 24,919 | 24,696 | 22,843 | 917 | 5,753 | 5,553 | 4,192 | (341) | (1,651) | (1,302) | (887) | (152) | 11,885 | 11,923 | 12,185 | 11,737 | 8,214 | 1,796 | 1,220 | 575 | (682) | (1,232) | (1,862) | 477 | 1,089 | 673 | 294 | (23) | (8,519) | |
110. | Risultato netto delle attività e passività finanziarie valutate al fair value | 1,238 | 603 | 417 | 414 | 4,728 | 4,367 | 1,970 | 3,997 | 476 | 557 | 2,962 | (3,148) | (14,241) | (11,222) | (990) | (8,982) | (73,990) | (46,820) | (35,445) | (18,215) | (56,748) | (42,310) | (15,612) | (26,380) | 129,335 | 73,950 | 19,076 | (6,004) | 30,742 | 22,016 | 3,343 | 5,891 | 27,978 | 33,970 | 29,587 | 1,153 | (103,877) | (56,149) | (35,378) | (23,904) | (17,671) | (5,792) | 4,695 | 4,598 | 16,016 | (1,511) | (6,992) | 10,803 | 43,842 |
120. | Margine di intermediazione | 1,980,657 | 1,477,016 | 991,000 | 490,463 | 2,013,040 | 1,508,425 | 1,022,038 | 489,631 | 2,318,071 | 1,558,369 | 1,057,671 | 539,605 | 2,169,530 | 1,641,307 | 1,131,817 | 565,144 | 2,151,442 | 1,605,558 | 1,089,862 | 497,635 | 2,154,858 | 1,612,815 | 1,084,055 | 566,644 | 2,100,804 | 1,548,347 | 1,040,366 | 513,612 | 2,032,314 | 1,535,332 | 1,013,208 | 515,817 | 2,156,882 | 1,630,280 | 1,085,921 | 500,965 | 1,883,021 | 1,400,052 | 920,093 | 445,913 | 1,898,480 | 1,411,451 | 951,214 | 483,914 | 1,768,369 | 1,282,597 | 870,836 | 422,714 | 1,607,619 |
130. | Rettifiche/riprese di valore nette per deterioramento di: | (655,916) | (501,074) | (388,415) | (146,307) | (659,064) | (398,511) | (272,082) | (121,511) | (737,800) | (442,825) | (307,758) | (149,972) | (858,219) | (590,576) | (423,485) | (214,710) | (876,547) | (623,106) | (467,815) | (167,766) | (971,924) | (423,654) | (295,027) | (99,622) | (350,132) | (267,209) | (180,925) | (74,767) | (397,784) | (274,209) | (200,494) | (106,276) | (604,981) | (422,305) | (318,506) | (104,482) | (239,820) | (160,751) | (98,951) | (37,442) | (138,736) | (100,567) | (65,322) | (23,448) | (129,201) | (81,546) | (47,814) | (9,890) | (94,895) |
a) crediti | (535,975) | (412,954) | (323,232) | (133,573) | (619,750) | (400,680) | (276,102) | (114,167) | (705,799) | (424,897) | (297,741) | (147,504) | (812,734) | (580,088) | (416,792) | (211,820) | (781,585) | (591,383) | (439,759) | (161,628) | (958,393) | (419,978) | (289,608) | (98,725) | (344,055) | (259,787) | (175,719) | (75,088) | (377,939) | (263,100) | (192,922) | (103,885) | (581,376) | (406,261) | (309,382) | (102,077) | (204,314) | (147,517) | (96,539) | (36,107) | (140,819) | (98,186) | (64,376) | (23,515) | (129,372) | (80,685) | (47,513) | (10,099) | (94,085) | |
b) attività finanziarie disponibili per la vendita | (104,628) | (101,000) | (71,617) | (17,381) | (51,811) | (12,150) | (7,202) | (3,678) | (27,343) | (16,462) | (8,899) | (6,347) | (40,347) | (4,335) | (3,655) | (466) | (58,433) | (4,621) | (3,198) | (670) | (8,839) | (4,828) | (4,873) | (201) | (6,616) | (2,283) | (1,715) | (2) | (10,285) | (7,221) | (3,647) | (975) | (13,515) | (7,554) | (4,106) | (536) | (31,368) | (9,407) | (7) | - | (19) | (12) | (12) | - | (57) | (416) | (71) | - | - | |
c) attività finanziarie detenute sino alla scadenza | - 0 | - 0 | - 0 | - 0 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | (3,463) | (2,474) | (1,042) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
d) altre attività finanziarie | (15,313) | 12,880 | 6,434 | 4,647 | 12,497 | 14,319 | 11,222 | (3,666) | (4,658) | (1,466) | (1,118) | 3,879 | (5,138) | (6,153) | (3,038) | (2,424) | (36,529) | (27,102) | (24,858) | (5,468) | (4,692) | 1,152 | (546) | (696) | 4,002 | (2,665) | (2,449) | 323 | (9,560) | (3,888) | (3,925) | (1,416) | (10,090) | (8,490) | (5,018) | (1,869) | (4,138) | (3,827) | (2,405) | (1,335) | 2,102 | (2,369) | (934) | 67 | 228 | (445) | (230) | 209 | (810) | |
140. | Risultato netto della gestione finanziaria | 1,324,741 | 975,942 | 602,585 | 344,156 | 1,353,976 | 1,109,914 | 749,956 | 368,120 | 1,580,271 | 1,115,544 | 749,913 | 389,633 | 1,311,311 | 1,050,731 | 708,332 | 350,434 | 1,274,895 | 982,452 | 622,047 | 329,869 | 1,182,934 | 1,189,161 | 789,028 | 467,022 | 1,750,672 | 1,281,138 | 859,441 | 438,845 | 1,634,530 | 1,261,123 | 812,714 | 409,541 | 1,551,901 | 1,207,975 | 767,415 | 396,483 | 1,643,201 | 1,239,301 | 821,142 | 408,471 | 1,759,744 | 1,310,884 | 885,892 | 460,466 | 1,639,168 | 1,201,051 | 823,022 | 412,824 | 1,512,724 |
180. | Spese amministrative: | (1,372,985) | (1,014,805) | (664,097) | (338,795) | (1,383,303) | (1,017,088) | (687,830) | (343,116) | (1,410,531) | (1,014,720) | (655,844) | (323,806) | (1,316,476) | (969,387) | (659,736) | (322,923) | (1,309,285) | (975,761) | (663,128) | (323,000) | (1,259,466) | (966,095) | (653,826) | (320,719) | (1,286,895) | (961,456) | (654,697) | (317,491) | (1,274,428) | (942,599) | (645,687) | (309,111) | (1,272,228) | (939,879) | (637,546) | (307,297) | (1,182,556) | (867,416) | (580,142) | (278,856) | (1,108,866) | (803,560) | (531,350) | (263,890) | (1,058,320) | (768,699) | (534,006) | (261,161) | (1,033,573) |
a) spese per il personale | (783,478) | (577,332) | (385,676) | (194,125) | (769,149) | (574,409) | (398,241) | (196,586) | (825,053) | (628,579) | (396,205) | (199,322) | (786,687) | (577,901) | (397,895) | (196,796) | (787,479) | (591,780) | (406,609) | (198,440) | (769,577) | (600,671) | (403,251) | (197,918) | (785,876) | (588,170) | (406,717) | (197,908) | (778,107) | (574,018) | (399,183) | (191,746) | (771,599) | (565,805) | (383,190) | (187,638) | (717,960) | (532,729) | (355,279) | (173,517) | (677,855) | (492,274) | (320,219) | (165,570) | (653,197) | (476,133) | (331,190) | (162,657) | (640,015) | |
b) altre spese amministrative | (589,507) | (437,473) | (278,421) | (144,670) | (614,154) | (442,679) | (289,589) | (146,530) | (585,478) | (386,141) | (259,639) | (124,484) | (529,789) | (391,486) | (261,841) | (126,127) | (521,806) | (383,981) | (256,519) | (124,560) | (489,889) | (365,424) | (250,575) | (122,801) | (501,019) | (373,286) | (247,980) | (119,583) | (496,321) | (368,581) | (246,504) | (117,365) | (500,629) | (374,074) | (254,356) | (119,659) | (464,596) | (334,687) | (224,863) | (105,339) | (431,011) | (311,286) | (211,131) | (98,320) | (405,123) | (292,566) | (202,816) | (98,504) | (393,558) | |
190. | Accantonamenti netti ai fondi per rischi e oneri | (30,578) | (20,870) | (11,602) | (5,661) | (28,668) | (27,916) | (22,125) | (9,621) | (52,137) | (52,225) | (36,785) | (14,096) | (38,782) | (27,670) | (19,634) | (6,658) | (29,910) | (20,078) | (18,378) | (5,318) | (29,132) | (10,696) | (8,561) | (4,907) | (22,412) | (19,550) | (16,274) | (7,268) | (30,893) | (23,705) | (17,054) | (6,692) | (22,276) | (14,859) | (15,855) | (3,542) | (31,108) | (17,209) | (9,441) | (8,008) | (20,544) | (24,027) | (17,040) | (4,699) | (39,618) | (20,561) | (15,543) | (6,397) | (30,795) |
200. | Rettifiche/riprese di valore nette su attività materiali | (46,124) | (30,895) | (21,124) | (9,076) | (45,709) | (30,237) | (21,087) | (8,983) | (48,336) | (28,410) | (19,115) | (9,944) | (43,765) | (30,847) | (20,655) | (10,402) | (43,730) | (30,426) | (20,236) | (10,081) | (44,848) | (32,163) | (21,729) | (10,315) | (43,471) | (32,295) | (21,658) | (10,695) | (44,106) | (32,077) | (21,458) | (10,387) | (46,452) | (30,197) | (20,041) | (9,582) | (39,326) | (29,016) | (19,255) | (9,228) | (38,840) | (28,962) | (19,053) | (9,240) | (38,874) | (29,031) | (19,290) | (9,527) | (41,933) |
210. | Rettifiche/riprese di valore nette su attività immateriali | (41,305) | (30,455) | (19,573) | (9,609) | (34,886) | (25,233) | (16,440) | (8,101) | (31,913) | (23,502) | (15,302) | (7,386) | (26,621) | (19,138) | (12,315) | (5,955) | (22,272) | (15,817) | (10,265) | (4,958) | (16,012) | (11,279) | (7,218) | (3,581) | (14,205) | (10,231) | (6,724) | (3,326) | (11,234) | (8,023) | (5,382) | (2,711) | (10,847) | (7,033) | (4,635) | (2,094) | (6,307) | (4,305) | (2,775) | (1,251) | (6,689) | (4,698) | (3,030) | (1,375) | (6,069) | (4,457) | (2,942) | (1,365) | (6,967) |
220. | Altri oneri/proventi di gestione | 184,365 | 140,537 | 85,590 | 40,291 | 173,717 | 134,262 | 91,272 | 45,943 | 175,804 | 130,417 | 87,339 | 46,307 | 173,268 | 129,536 | 91,980 | 48,455 | 211,851 | 162,975 | 113,587 | 57,822 | 143,653 | 107,690 | 61,538 | 31,283 | 124,384 | 79,611 | 53,883 | 27,367 | 110,484 | 80,624 | 58,049 | 23,757 | 97,630 | 72,750 | 52,097 | 24,654 | 122,121 | 126,658 | 86,925 | 42,497 | 186,091 | 131,647 | 89,098 | 42,665 | 161,993 | 118,078 | 77,643 | 37,876 | 156,909 |
230. | Costi operativi | (1,306,627) | (956,488) | (630,806) | (322,850) | (1,318,849) | (966,212) | (656,210) | (323,878) | (1,367,113) | (988,440) | (639,707) | (308,925) | (1,252,376) | (917,506) | (620,360) | (297,483) | (1,193,346) | (879,107) | (598,420) | (285,535) | (1,205,805) | (912,543) | (629,796) | (308,239) | (1,242,599) | (943,921) | (645,470) | (311,413) | (1,250,177) | (925,780) | (631,532) | (305,144) | (1,254,173) | (919,218) | (625,980) | (297,861) | (1,137,176) | (791,288) | (524,688) | (254,846) | (988,848) | (729,600) | (481,375) | (236,539) | (980,888) | (704,670) | (494,138) | (240,574) | (956,359) |
240. | Utili (perdite) delle partecipazioni | 18,483 | 142,126 | 137,254 | 3,675 | 8,491 | 5,081 | 2,737 | 3,143 | 97 | (1,459) | 5,384 | (1,886) | (837) | (1,495) | (3,765) | (973) | (14,948) | (4,415) | (8,205) | (5) | 15,191 | 6,106 | 5,151 | (233) | (43,166) | (18,810) | (18,850) | (2,115) | 17,435 | 805 | 1,632 | 189 | 9,029 | 5,748 | 5,744 | 2,545 | (81,173) | 2,088 | 2,234 | (53) | 27,139 | 19,932 | 5,924 | (80) | 22,652 | 6,374 | 7,177 | (45) | 12,282 |
260. | Rettifiche di valore dell'avviamento | (28,357) | - 0 | - 0 | - 0 | (32,854) | (3,254) | (3,254) | - | - | - | - | - | - | - | - | - | (112) | - | - | - | (48) | (36) | (36) | - | (61,429) | (138) | (103) | (60) | (3,299) | (205) | (173) | (90) | (187) | (120) | (71) | (19) | (245) | (233) | (196) | (1) | (947) | (471) | (414) | (158) | (1,213) | (999) | (812) | (306) | (998) |
265. | Avviamento negativo | 190,892 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
270. | Utili (perdite) da cessione di investimenti | (12) | 29 | 16 | 30 | (220) | (249) | (367) | 50 | 259 | 13 | 16 | 113 | 67 | 26 | 23 | 1 | 335 | 341 | 127 | 88 | 315 | (2,649) | (1,660) | (27) | 2,618 | 848 | 605 | 289 | 542 | (266) | 321 | 230 | (198) | 582 | 151 | 182 | 1,475 | 930 | 900 | 281 | 1,471 | 750 | 828 | 195 | 2,289 | 75 | 23 | 14 | 2,081 |
280. | Utile della operatività corrente al lordo delle imposte | 199,120 | 161,609 | 109,049 | 25,011 | 10,544 | 145,280 | 92,862 | 47,435 | 213,514 | 125,658 | 115,606 | 78,935 | 58,165 | 131,756 | 84,230 | 51,979 | 66,824 | 99,271 | 15,549 | 44,417 | (7,413) | 280,039 | 162,687 | 158,523 | 406,096 | 319,117 | 195,623 | 125,546 | 399,031 | 335,677 | 182,962 | 104,726 | 306,372 | 294,967 | 147,259 | 101,330 | 426,082 | 450,798 | 299,392 | 153,852 | 798,559 | 601,495 | 410,855 | 223,884 | 682,008 | 501,831 | 335,272 | 171,913 | 569,730 |
290. | Imposte sul reddito di esercizio dell'operatività corrente | (22,238) | (13,513) | 10,183 | (7,743) | 5,270 | (40,631) | (27,793) | (14,104) | 5,718 | (36,914) | (34,601) | (27,234) | (28,384) | (55,940) | (41,682) | (20,760) | (51,968) | (77,309) | (35,883) | (30,509) | (25,185) | (142,480) | (85,449) | (64,748) | (162,165) | (156,457) | (101,065) | (53,297) | (179,413) | (138,691) | (78,172) | (44,737) | (145,289) | (133,269) | (73,419) | (44,965) | (217,215) | (175,101) | (111,453) | (56,762) | (330,491) | (232,463) | (158,127) | (88,149) | (265,614) | (202,635) | (134,345) | (69,302) | (231,723) |
300. | Utile della operatività corrente al netto delle imposte | 176,882 | 148,096 | 119,232 | 17,268 | 15,814 | 104,649 | 65,069 | 33,331 | 219,232 | 88,744 | 81,005 | 51,701 | 29,781 | 75,816 | 42,548 | 31,219 | 14,856 | 21,962 | (20,334) | 13,908 | (32,598) | 137,559 | 77,238 | 93,775 | 243,931 | 162,660 | 94,558 | 72,249 | 219,618 | 196,986 | 104,790 | 59,989 | 161,083 | 161,698 | 73,840 | 56,365 | 208,867 | 275,697 | 187,939 | 97,090 | 468,068 | 369,032 | 252,728 | 135,735 | 416,394 | 299,196 | 200,927 | 102,611 | 338,007 |
310. | Utile (perdita) dei gruppi di attività in via di dismissione al netto delle imposte | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,258 | 1,258 | 443 | 1,525 | - | 482 | - | - | (6,572) | 2,108 | 1,506 | 199 | 107,739 | 110,793 | 110,462 | 5,813 | 8,390 | 9,398 | 3,890 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
320. | Utile dell'esercizio | 176,882 | 148,096 | 119,232 | 17,268 | 15,814 | 104,649 | 65,069 | 33,331 | 219,232 | 88,744 | 81,005 | 51,701 | 29,781 | 75,816 | 42,548 | 31,219 | 16,114 | 23,220 | (19,891) | 15,433 | (32,598) | 138,041 | 77,238 | 93,775 | 237,359 | 164,768 | 96,064 | 72,448 | 327,357 | 307,779 | 215,252 | 65,802 | 169,473 | 171,096 | 77,730 | 56,365 | 208,867 | 275,697 | 187,939 | 97,090 | 468,068 | 369,032 | 252,728 | 135,735 | 416,394 | 299,196 | 200,927 | 102,611 | 338,007 |
330. | Utile dell'esercizio di pertinenza di terzi | (444) | 862 | (170) | (2,710) | (1,515) | (3,489) | (327) | (2,356) | 1,429 | (6,158) | (7,774) | (6,504) | (14,984) | (14,715) | (6,648) | (2,947) | (8,938) | (9,014) | (1,573) | (1,041) | 21,327 | 3,666 | 5,539 | (6,038) | (22,720) | (25,553) | (15,970) | (10,897) | (34,233) | (36,578) | (22,277) | (7,814) | (53,686) | (51,929) | (34,004) | (17,444) | (75,204) | (66,347) | (40,006) | (26,609) | (93,613) | (78,885) | (54,940) | (31,747) | (69,563) | (53,702) | (34,159) | (21,836) | (61,674) |
340. | Utile dell'esercizio di pertinenza della capogruppo | 176,438 | 148,958 | 119,062 | 14,558 | 14,299 | 101,160 | 64,742 | 30,975 | 220,661 | 82,586 | 73,231 | 45,197 | 14,797 | 61,101 | 35,900 | 28,272 | 7,176 | 14,206 | (21,464) | 14,392 | (11,271) | 141,707 | 82,777 | 87,737 | 214,639 | 139,215 | 80,094 | 61,551 | 293,124 | 271,201 | 192,975 | 57,988 | 115,787 | 119,167 | 43,726 | 38,921 | 133,663 | 209,350 | 147,933 | 70,481 | 374,455 | 290,147 | 197,788 | 103,988 | 346,831 | 245,494 | 166,768 | 80,775 | 276,333 |
CE TRIM 2008 - 2017
Conto economico trimestralizzato consolidato | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
(in migliaia di Euro) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Voci | 2005 | 31.03.2017 | 2° trimestre 2017 | 30.06.2017 | 3° trimestre 2017 | 30.09.2017 | 4° trimestre 2017 | 31.12.2017 | 31.03.2016 | 2° trimestre 2016 | 30.06.2016 | 3° trimestre 2016 | 30.09.2016 | 4° trimestre 2016 | 31.12.2016 | 31.03.2015 | 2° trimestre 2015 | 30.06.2015 | 3° trimestre 2015 | 30.09.2015 | 4° trimestre 2015 | 31.12.2015 | 31.03.2014 | 2° trimestre 2014 | 30.06.2014 | 3° trimestre 2014 | 30.09.2014 | 4° trimestre 2014 | 31.12.2014 | 31.03.2013 | 2° trimestre 2013 | 30.06.2013 | 3° trimestre 2013 | 30.09.2013 | 4° trimestre 2013 | 31.12.2013 | 31.03.2012 | 2° trimestre 2012 | 30.06.2012 | 3° trimestre 2012 | 30.09.2012 | 4° trimestre 2012 | 31.12.2012 | 31.03.2011 | 2° trimestre 2011 | 30.06.2011 | 3° trimestre 2011 | 30.09.2011 | 4° trimestre 2011 | 31.12.2011 | 31.03.2010 | 2° trimestre 2010 | 30.06.2010 | 3° trimestre 2010 | 30.09.2010 | 4° trimestre 2010 | 31.12. 2010 | 31.03.2009 | 2° trimestre 2009 | 30.06.2009 | 3° trimestre 2009 | 30.09.2010 | 4° trimestre 2009 | 31.12. 2009 | 31.03.2008 | 2° trimestre 2008 | 30.06.2008 | 3° trimestre 2008 | 30.09.2008 | 4° trimestre 2008 | 31.12. 2008 | 31.03.2007 | 2° trimestre 2007 | 30.06.2007 | 3° trimestre 2007 | 30.09.2017 | 4° trimestre 2007 | 31.12. 2007 | 31.03.2006 | 2° trimestre 2006 | 30.06.2006 | 3° trimestre 2006 | 30.09.2006 | 4° trimestre 2006 | 31.12. 2006 |
10. | Interessi attivi e proventi assimilati | 355,137 | 351,464 | 706,601 | 358,537 | 1,065,138 | 351,258 | 1,416,396 | 384,670 | 373,463 | 758,133 | 359,459 | 1,117,592 | 365,459 | 1,483,051 | 431,035 | 415,453 | 846,488 | 402,855 | 1,249,343 | 399,056 | 1,648,399 | 494,548 | 489,785 | 984,333 | 470,618 | 1,454,951 | 453,337 | 1,908,288 | 522,914 | 522,451 | 1,045,365 | 510,407 | 1,555,772 | 504,813 | 2,060,585 | 566,498 | 546,668 | 1,113,166 | 541,942 | 1,655,108 | 541,341 | 2,196,449 | 479,437 | 512,901 | 992,338 | 545,861 | 1,538,199 | 568,592 | 2,106,791 | 451,455 | 448,828 | 900,283 | 462,910 | 1,363,193 | 475,660 | 1,838,853 | 629,993 | 578,242 | 1,208,235 | 485,208 | 1,693,443 | 481,564 | 2,175,007 | 681,667 | 706,907 | 1,388,574 | 750,806 | 2,139,380 | 764,673 | 2,904,053 | 567,459 | 598,298 | 1,165,757 | 638,982 | 1,804,739 | 680,451 | 2,485,190 | 447,766 | 472,785 | 920,551 | 503,950 | 1,424,501 | 542,712 | 1,967,213 |
20. | Interessi passivi e oneri assimilati | (67,023) | (69,459) | (136,482) | (78,319) | (214,801) | (77,116) | (291,917) | (87,870) | (79,887) | (167,757) | (73,731) | (241,488) | (71,116) | (312,604) | (116,940) | (107,083) | (224,023) | (100,819) | (324,842) | (96,016) | (420,858) | (164,728) | (161,146) | (325,874) | (150,578) | (476,452) | (140,027) | (616,479) | (211,799) | (196,370) | (408,169) | (183,420) | (591,589) | (179,007) | (770,596) | (229,990) | (226,019) | (456,009) | (218,298) | (674,307) | (212,603) | (886,910) | (156,934) | (184,794) | (341,728) | (207,809) | (549,537) | (226,811) | (776,348) | (133,624) | (132,603) | (266,227) | (137,076) | (403,303) | (146,009) | (549,312) | (290,909) | (218,058) | (508,967) | (170,806) | (679,773) | (155,298) | (835,071) | (320,848) | (338,012) | (658,860) | (368,324) | (1,027,184) | (368,614) | (1,395,798) | (210,921) | (238,019) | (448,940) | (259,555) | (708,495) | (271,763) | (980,258) | (149,589) | (160,539) | (310,128) | (176,534) | (486,662) | (194,949) | (681,611) |
30. | Margine di interesse | 288,114 | 282,005 | 570,119 | 280,218 | 850,337 | 274,142 | 1,124,479 | 296,800 | 293,576 | 590,376 | 285,728 | 876,104 | 294,343 | 1,170,447 | 314,095 | 308,370 | 622,465 | 302,036 | 924,501 | 303,040 | 1,227,541 | 329,820 | 328,639 | 658,459 | 320,040 | 978,499 | 313,310 | 1,291,809 | 311,115 | 326,081 | 637,196 | 326,987 | 964,183 | 325,806 | 1,289,989 | 336,508 | 320,649 | 657,157 | 323,644 | 980,801 | 328,738 | 1,309,539 | 322,503 | 328,107 | 650,610 | 338,052 | 988,662 | 341,781 | 1,330,443 | 317,831 | 316,225 | 634,056 | 325,834 | 959,890 | 329,651 | 1,289,541 | 339,084 | 360,184 | 699,268 | 314,402 | 1,013,670 | 326,266 | 1,339,936 | 360,819 | 368,895 | 729,714 | 382,482 | 1,112,196 | 396,059 | 1,508,255 | 356,538 | 360,279 | 716,817 | 379,427 | 1,096,244 | 408,688 | 1,504,932 | 298,177 | 312,246 | 610,423 | 327,416 | 937,839 | 347,763 | 1,285,602 |
40. | Commissioni attive | 185,947 | 190,680 | 376,627 | 194,303 | 570,930 | 205,676 | 776,606 | 185,186 | 189,189 | 374,375 | 183,068 | 557,443 | 188,516 | 745,959 | 188,020 | 189,373 | 377,393 | 187,648 | 565,041 | 197,433 | 762,474 | 184,023 | 186,210 | 370,233 | 182,429 | 552,662 | 186,457 | 739,119 | 184,746 | 188,519 | 373,265 | 186,320 | 559,585 | 191,601 | 751,186 | 183,096 | 195,677 | 378,773 | 192,233 | 571,006 | 191,800 | 762,806 | 181,967 | 177,712 | 359,679 | 186,869 | 546,548 | 188,582 | 735,130 | 188,490 | 189,481 | 377,971 | 178,391 | 556,362 | 189,156 | 745,518 | 144,200 | 154,014 | 298,214 | 190,280 | 488,494 | 207,879 | 696,373 | 120,099 | 122,405 | 242,504 | 128,018 | 370,522 | 195,369 | 565,891 | 120,204 | 124,466 | 244,670 | 126,523 | 371,193 | 134,629 | 505,822 | 129,394 | 130,820 | 260,214 | 100,349 | 360,563 | 141,168 | 501,731 |
50. | Commissioni passive | (8,574) | (8,829) | (17,403) | (9,501) | (26,904) | (9,074) | (35,978) | (8,103) | (8,154) | (16,257) | (8,265) | (24,522) | (8,715) | (33,237) | (8,817) | (8,723) | (17,540) | (9,804) | (27,344) | (8,437) | (35,781) | (12,573) | (12,182) | (24,755) | (13,417) | (38,172) | (10,283) | (48,455) | (13,457) | (12,997) | (26,454) | (13,645) | (40,099) | (12,829) | (52,928) | (11,292) | (13,955) | (25,247) | (15,329) | (40,576) | (14,289) | (54,865) | (9,757) | (8,936) | (18,693) | (11,736) | (30,429) | (11,007) | (41,436) | (12,292) | (14,851) | (27,143) | (13,534) | (40,677) | (14,717) | (55,394) | (13,060) | (14,847) | (27,907) | (15,124) | (43,031) | (15,375) | (58,406) | (10,894) | (12,746) | (23,640) | (13,316) | (36,956) | (13,044) | (50,000) | (12,594) | (12,318) | (24,912) | (16,119) | (41,031) | (12,946) | (53,977) | (12,330) | (15,586) | (27,916) | (13,692) | (41,608) | (16,719) | (58,327) |
60. | Commissioni nette | 177,373 | 181,851 | 359,224 | 184,802 | 544,026 | 196,602 | 740,628 | 177,083 | 181,035 | 358,118 | 174,803 | 532,921 | 179,801 | 712,722 | 179,203 | 180,650 | 359,853 | 177,844 | 537,697 | 188,996 | 726,693 | 171,450 | 174,028 | 345,478 | 169,012 | 514,490 | 176,174 | 690,664 | 171,289 | 175,522 | 346,811 | 172,675 | 519,486 | 178,772 | 698,258 | 171,804 | 181,722 | 353,526 | 176,904 | 530,430 | 177,511 | 707,941 | 172,210 | 168,776 | 340,986 | 175,133 | 516,119 | 177,575 | 693,694 | 176,198 | 174,630 | 350,828 | 164,857 | 515,685 | 174,439 | 690,124 | 131,140 | 139,167 | 270,307 | 175,156 | 445,463 | 192,504 | 637,967 | 109,205 | 109,659 | 218,864 | 114,702 | 333,566 | 182,325 | 515,891 | 107,610 | 112,148 | 219,758 | 110,404 | 330,162 | 121,683 | 451,845 | 117,064 | 115,234 | 232,298 | 86,657 | 318,955 | 124,449 | 443,404 |
70. | Dividendi e proventi simili | 312 | 10,812 | 11,124 | 507 | 11,631 | 785 | 12,416 | 86 | 8,732 | 8,818 | 338 | 9,156 | 716 | 9,872 | 249 | 13,583 | 13,832 | 457 | 14,289 | 1,664 | 15,953 | 574 | 17,617 | 18,191 | 115 | 18,306 | 1,086 | 19,392 | 575 | 22,415 | 22,990 | 540 | 23,530 | 556 | 24,086 | 920 | 3,288 | 4,208 | 339 | 4,547 | 456 | 5,003 | 825 | 3,979 | 4,804 | 577 | 5,381 | 1,917 | 7,298 | 1,736 | 2,799 | 4,535 | 254 | 4,789 | 220 | 5,009 | 1,088 | 4,852 | 5,940 | 448 | 6,388 | (249) | 6,139 | 1,075 | 13,377 | 14,452 | 805 | 15,257 | 736 | 15,993 | 954 | 16,053 | 17,007 | 623 | 17,630 | 4,542 | 22,172 | 1,456 | 16,063 | 17,519 | 1,439 | 18,958 | 169 | 19,127 |
80. | Risultato netto dell'attività di negoziazione | 10,920 | 9,069 | 19,989 | 13,286 | 33,275 | 4,740 | 38,015 | (25,801) | (3,956) | (29,757) | 12,051 | (17,706) | 25,650 | 7,944 | 20,413 | (6,009) | 14,404 | 591 | 14,995 | 17,836 | 32,831 | 4,290 | 5,646 | 9,936 | 4,406 | 14,342 | 2,191 | 16,533 | 8,317 | 12,041 | 20,358 | 12,516 | 32,874 | 15,239 | 48,113 | 72,137 | (19,714) | 52,423 | 37,959 | 90,382 | 7,995 | 98,377 | 23,909 | (9,126) | 14,783 | (61,566) | (46,783) | (23,319) | (70,102) | 14,047 | (28,367) | (14,320) | 11,310 | (3,010) | (14,576) | (17,586) | 15,591 | 49,547 | 65,138 | 47,308 | 112,446 | 13,152 | 125,598 | (2,301) | (12,457) | (14,758) | 2,275 | (12,483) | (55,823) | (68,306) | (6,546) | (29,311) | (35,857) | (20,278) | (56,135) | (46,008) | (102,143) | (13,680) | (12,613) | (26,293) | (15,291) | (41,584) | (17,975) | (59,559) |
90. | Risultato netto dell'attività di copertura | (300) | 41 | (259) | 31 | (228) | (265) | (493) | 120 | (82) | 38 | (129) | (91) | (244) | (335) | 355 | (520) | (165) | (634) | (799) | (90) | (889) | 231 | 91 | 322 | 513 | 835 | 239 | 1,074 | (280) | 74 | (206) | 15 | (191) | (401) | (592) | (329) | (362) | (691) | (383) | (1,074) | (160) | (1,234) | 74 | (71) | 3 | (942) | (939) | (243) | (1,182) | 66 | 25 | 91 | 47 | 138 | 30 | 168 | (127) | 533 | 406 | 195 | 601 | (230) | 371 | 432 | (683) | (251) | (169) | (420) | 652 | 232 | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
100. | Utile (perdita) da cessione o riacquisto di: | 13,630 | 16,756 | 30,386 | 6,986 | 37,372 | 27,002 | 64,374 | 37,346 | 55,129 | 92,475 | 11,199 | 103,674 | 3,988 | 107,662 | 28,438 | 15,882 | 44,320 | 22,809 | 67,129 | 248,337 | 315,466 | 67,761 | 32,660 | 100,421 | 25,636 | 126,057 | 38,242 | 164,299 | 24,834 | 73,324 | 98,158 | 14,338 | 112,496 | 53,082 | 165,578 | 11,984 | 21,060 | 33,044 | 16,995 | 50,039 | 41,941 | 91,980 | 95 | 10,009 | 10,104 | 1,853 | 11,957 | (639) | 11,318 | 48 | 34,627 | 34,675 | 1,149 | 35,824 | (1,508) | 34,316 | 13,036 | 2,239 | 15,275 | 2,467 | 17,742 | 1,151 | 18,893 | 587 | 6,863 | 7,450 | 635 | 8,085 | 6,748 | 14,833 | 20,760 | 8,034 | 28,794 | 548 | 29,342 | 10,003 | 39,345 | 8,894 | 34,987 | 43,881 | 6,059 | 49,940 | 13,839 | 63,779 |
a) | crediti | 1,253 | (9,105) | (7,852) | (5,170) | (13,022) | 591 | (12,431) | 7 | 1,027 | 1,034 | (4,495) | (3,461) | (6,287) | (9,748) | 3,804 | 601 | 4,405 | (200) | 4,205 | (182) | 4,023 | 107 | 59 | 166 | (29,716) | (29,550) | (409) | (29,959) | 36 | (723) | (687) | (528) | (1,215) | 286 | (929) | 169 | (515) | (346) | (122) | (468) | (306) | (774) | 492 | 495 | 987 | 8 | 995 | (776) | 219 | 311 | 308 | 619 | (416) | 203 | (2,551) | (2,348) | 322 | (166) | 156 | 166 | 322 | 206 | 528 | - | - | - | - | - | 1 | 1 | 1 | (1) | - | (5) | (5) | - | (5) | 15 | 39 | 54 | 968 | 1,022 | (968) | 54 |
b) | attività finanziarie disponibili per la vendita | 12,378 | 25,466 | 37,844 | 12,027 | 49,871 | 26,153 | 76,024 | 38,237 | 54,210 | 92,447 | 15,833 | 108,280 | 10,347 | 118,627 | 25,092 | 15,486 | 40,578 | 23,048 | 63,626 | 249,545 | 313,171 | 67,430 | 32,784 | 100,214 | 55,393 | 155,607 | 38,939 | 194,546 | 23,417 | 74,004 | 97,421 | 12,641 | 110,062 | 51,992 | 162,054 | 11,077 | (351) | 10,726 | 15,264 | 25,990 | 42,024 | 68,014 | (65) | 4,990 | 4,925 | 483 | 5,408 | (62) | 5,346 | (111) | 35,054 | 34,943 | 1,980 | 36,923 | 1,392 | 38,315 | 977 | 1,957 | 2,934 | 2,576 | 5,510 | 982 | 6,492 | 12 | 6,218 | 6,230 | 59 | 6,289 | 329 | 6,618 | 20,282 | 10,374 | 30,656 | (77) | 30,579 | 9,453 | 40,032 | 8,902 | 34,631 | 43,533 | 4,712 | 48,245 | 14,391 | 62,636 |
c) | attività finanziarie detenute sino alla scadenza | - 0 | 316 | 316 | - 0 | 316 | - 0 | 316 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | (92) | 300 | 208 | - 0 | 208 | 13 | 221 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | (179) | - 0 | (179) | - 0 | (179) | - 0 | (179) | 9 | (9) | - | 1 | 1 | (1) | - 0 | - 0 | - 0 | - | - 0 | - | - 0 | - 0 | - | - | - | (13) | (13) | 1 | (12) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
d) | passività finanziarie | (1) | 79 | 78 | 129 | 207 | 258 | 465 | (898) | (108) | (1,006) | (139) | (1,145) | (72) | (1,217) | (366) | (505) | (871) | (39) | (910) | (1,039) | (1,949) | 224 | (183) | 41 | (41) | - 0 | (288) | (288) | 1,381 | 43 | 1,424 | 2,225 | 3,649 | 804 | 4,453 | 917 | 21,926 | 22,843 | 1,853 | 24,696 | 223 | 24,919 | (341) | 4,533 | 4,192 | 1,361 | 5,553 | 200 | 5,753 | (152) | (735) | (887) | (415) | (1,302) | (349) | (1,651) | 11,737 | 448 | 12,185 | (262) | 11,923 | (38) | 11,885 | 575 | 645 | 1,220 | 576 | 1,796 | 6,418 | 8,214 | 477 | (2,339) | (1,862) | 630 | (1,232) | 550 | (682) | (23) | 317 | 294 | 379 | 673 | 416 | 1,089 |
110. | Risultato netto delle attività e passività finanziarie valutate al fair value | 414 | 3 | 417 | 186 | 603 | 635 | 1,238 | 3,997 | (2,027) | 1,970 | 2,397 | 4,367 | 361 | 4,728 | (3,148) | 6,110 | 2,962 | (2,405) | 557 | (81) | 476 | (8,982) | 7,992 | (990) | (10,232) | (11,222) | (3,019) | (14,241) | (18,215) | (17,230) | (35,445) | (11,375) | (46,820) | (27,170) | (73,990) | (26,380) | 10,768 | (15,612) | (26,698) | (42,310) | (14,438) | (56,748) | (6,004) | 25,080 | 19,076 | 54,874 | 73,950 | 55,385 | 129,335 | 5,891 | (2,548) | 3,343 | 18,673 | 22,016 | 8,726 | 30,742 | 1,153 | 28,434 | 29,587 | 4,383 | 33,970 | (5,992) | 27,978 | (23,904) | (11,474) | (35,378) | (20,771) | (56,149) | (47,728) | (103,877) | 4,598 | 97 | 4,695 | (10,487) | (5,792) | (11,879) | (17,671) | 10,803 | (17,795) | (6,992) | 5,481 | (1,511) | 17,527 | 16,016 |
120. | Margine di intermediazione | 490,463 | 500,537 | 991,000 | 486,016 | 1,477,016 | 503,641 | 1,980,657 | 489,631 | 532,407 | 1,022,038 | 486,387 | 1,508,425 | 504,615 | 2,013,040 | 539,605 | 518,066 | 1,057,671 | 500,698 | 1,558,369 | 759,702 | 2,318,071 | 565,144 | 566,673 | 1,131,817 | 509,490 | 1,641,307 | 528,223 | 2,169,530 | 497,635 | 592,227 | 1,089,862 | 515,696 | 1,605,558 | 545,884 | 2,151,442 | 566,644 | 517,411 | 1,084,055 | 528,760 | 1,612,815 | 542,043 | 2,154,858 | 513,612 | 526,754 | 1,040,366 | 507,981 | 1,548,347 | 552,457 | 2,100,804 | 515,817 | 497,391 | 1,013,208 | 522,124 | 1,535,332 | 496,982 | 2,032,314 | 500,965 | 584,956 | 1,085,921 | 544,359 | 1,630,280 | 526,602 | 2,156,882 | 445,913 | 474,180 | 920,093 | 479,959 | 1,400,052 | 482,969 | 1,883,021 | 483,914 | 467,300 | 951,214 | 460,237 | 1,411,451 | 487,029 | 1,898,480 | 422,714 | 448,122 | 870,836 | 411,761 | 1,282,597 | 485,772 | 1,768,369 |
130. | Rettifiche/riprese di valore nette per deterioramento di: | (146,307) | (242,108) | (388,415) | (112,659) | (501,074) | (154,842) | (655,916) | (121,511) | (150,571) | (272,082) | (126,429) | (398,511) | (260,553) | (659,064) | (149,972) | (157,786) | (307,758) | (135,067) | (442,825) | (294,975) | (737,800) | (214,710) | (208,775) | (423,485) | (167,091) | (590,576) | (267,643) | (858,219) | (167,766) | (300,049) | (467,815) | (155,291) | (623,106) | (253,441) | (876,547) | (99,622) | (195,405) | (295,027) | (128,627) | (423,654) | (548,270) | (971,924) | (74,767) | (106,158) | (180,925) | (86,284) | (267,209) | (82,923) | (350,132) | (106,276) | (94,218) | (200,494) | (73,715) | (274,209) | (123,575) | (397,784) | (104,482) | (214,024) | (318,506) | (103,799) | (422,305) | (182,676) | (604,981) | (37,442) | (61,509) | (98,951) | (61,800) | (160,751) | (79,069) | (239,820) | (23,448) | (41,874) | (65,322) | (35,245) | (100,567) | (38,169) | (138,736) | (9,890) | (37,924) | (47,814) | (33,732) | (81,546) | (47,655) | (129,201) |
a) crediti | (133,573) | (189,659) | (323,232) | (89,722) | (412,954) | (123,021) | (535,975) | (114,167) | (161,935) | (276,102) | (124,578) | (400,680) | (219,070) | (619,750) | (147,504) | (150,237) | (297,741) | (127,156) | (424,897) | (280,902) | (705,799) | (211,820) | (204,972) | (416,792) | (163,296) | (580,088) | (232,646) | (812,734) | (161,628) | (278,131) | (439,759) | (151,624) | (591,383) | (190,202) | (781,585) | (98,725) | (190,883) | (289,608) | (130,370) | (419,978) | (538,415) | (958,393) | (75,088) | (100,631) | (175,719) | (84,068) | (259,787) | (84,268) | (344,055) | (103,885) | (89,037) | (192,922) | (70,178) | (263,100) | (114,839) | (377,939) | (102,077) | (207,305) | (309,382) | (96,879) | (406,261) | (175,115) | (581,376) | (36,107) | (60,432) | (96,539) | (50,978) | (147,517) | (56,797) | (204,314) | (23,515) | (40,861) | (64,376) | (33,810) | (98,186) | (42,633) | (140,819) | (10,099) | (37,414) | (47,513) | (33,172) | (80,685) | (48,687) | (129,372) | |
b) attività finanziarie disponibili per la vendita | (17,381) | (54,236) | (71,617) | (29,383) | (101,000) | (3,628) | (104,628) | (3,678) | (3,524) | (7,202) | (4,948) | (12,150) | (39,661) | (51,811) | (6,347) | (2,552) | (8,899) | (7,563) | (16,462) | (10,881) | (27,343) | (466) | (3,189) | (3,655) | (680) | (4,335) | (36,012) | (40,347) | (670) | (2,528) | (3,198) | (1,423) | (4,621) | (53,812) | (58,433) | (201) | (4,672) | (4,873) | 45 | (4,828) | (4,011) | (8,839) | (2) | (1,713) | (1,715) | (568) | (2,283) | (4,333) | (6,616) | (975) | (2,672) | (3,647) | (3,574) | (7,221) | (3,064) | (10,285) | (536) | (3,570) | (4,106) | (3,448) | (7,554) | (5,961) | (13,515) | - | (7) | (7) | (9,400) | (9,407) | (21,961) | (31,368) | - | (12) | (12) | - | (12) | (7) | (19) | - | (71) | (71) | (345) | (416) | 359 | (57) | |
c) | attività finanziarie detenute sino alla scadenza | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - | - 0 | - | - 0 | - 0 | - 0 | (1,042) | (1,042) | (1,432) | (2,474) | (989) | (3,463) | - 0 | - 0 | - | - 0 | - | - 0 | - 0 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
d) altre operazioni finanziarie | 4,647 | 1,787 | 6,434 | 6,446 | 12,880 | (28,193) | (15,313) | (3,666) | 14,888 | 11,222 | 3,097 | 14,319 | (1,822) | 12,497 | 3,879 | (4,997) | (1,118) | (348) | (1,466) | (3,192) | (4,658) | (2,424) | (614) | (3,038) | (3,115) | (6,153) | 1,015 | (5,138) | (5,468) | (19,390) | (24,858) | (2,244) | (27,102) | (9,427) | (36,529) | (696) | 150 | (546) | 1,698 | 1,152 | (5,844) | (4,692) | 323 | (2,772) | (2,449) | (216) | (2,665) | 6,667 | 4,002 | (1,416) | (2,509) | (3,925) | 37 | (3,888) | (5,672) | (9,560) | (1,869) | (3,149) | (5,018) | (3,472) | (8,490) | (1,600) | (10,090) | (1,335) | (1,070) | (2,405) | (1,422) | (3,827) | (311) | (4,138) | 67 | (1,001) | (934) | (1,435) | (2,369) | 4,471 | 2,102 | 209 | (439) | (230) | (215) | (445) | 673 | 228 | |
140. | Risultato netto della gestione finanziaria | 344,156 | 258,429 | 602,585 | 373,357 | 975,942 | 348,799 | 1,324,741 | 368,120 | 381,836 | 749,956 | 359,958 | 1,109,914 | 244,062 | 1,353,976 | 389,633 | 360,280 | 749,913 | 365,631 | 1,115,544 | 464,727 | 1,580,271 | 350,434 | 357,898 | 708,332 | 342,399 | 1,050,731 | 260,580 | 1,311,311 | 329,869 | 292,178 | 622,047 | 360,405 | 982,452 | 292,443 | 1,274,895 | 467,022 | 322,006 | 789,028 | 400,133 | 1,189,161 | -6,227 | 1,182,934 | 438,845 | 420,596 | 859,441 | 421,697 | 1,281,138 | 469,534 | 1,750,672 | 409,541 | 403,173 | 812,714 | 448,409 | 1,261,123 | 373,407 | 1,634,530 | 396,483 | 370,932 | 767,415 | 440,560 | 1,207,975 | 343,926 | 1,551,901 | 408,471 | 412,671 | 821,142 | 418,159 | 1,239,301 | 403,900 | 1,643,201 | 460,466 | 425,426 | 885,892 | 424,992 | 1,310,884 | 448,860 | 1,759,744 | 412,824 | 410,198 | 823,022 | 378,029 | 1,201,051 | 438,117 | 1,639,168 |
180. | Spese amministrative: | (338,795) | (325,302) | (664,097) | (350,708) | (1,014,805) | (358,180) | (1,372,985) | (343,116) | (344,714) | (687,830) | (329,258) | (1,017,088) | (366,215) | (1,383,303) | (323,806) | (332,038) | (655,844) | (358,876) | (1,014,720) | (395,811) | (1,410,531) | (322,923) | (336,813) | (659,736) | (309,651) | (969,387) | (347,089) | (1,316,476) | (323,000) | (340,128) | (663,128) | (312,633) | (975,761) | (333,524) | (1,309,285) | (320,719) | (333,107) | (653,826) | (312,269) | (966,095) | (293,371) | (1,259,466) | (317,491) | (337,206) | (654,697) | (306,759) | (961,456) | (325,439) | (1,286,895) | (309,111) | (336,576) | (645,687) | (296,912) | (942,599) | (331,829) | (1,274,428) | (307,297) | (330,249) | (637,546) | (302,333) | (939,879) | (332,349) | (1,272,228) | (278,856) | (301,286) | (580,142) | (287,274) | (867,416) | (315,140) | (1,182,556) | (263,890) | (267,460) | (531,350) | (272,210) | (803,560) | (305,306) | (1,108,866) | (261,161) | (272,845) | (534,006) | (234,693) | (768,699) | (289,621) | (1,058,320) |
a) spese per il personale | (194,125) | (191,551) | (385,676) | (191,656) | (577,332) | (206,146) | (783,478) | (196,586) | (201,655) | (398,241) | (176,168) | (574,409) | (194,740) | (769,149) | (199,322) | (196,883) | (396,205) | (232,374) | (628,579) | (196,474) | (825,053) | (196,796) | (201,099) | (397,895) | (180,006) | (577,901) | (208,786) | (786,687) | (198,440) | (208,169) | (406,609) | (185,171) | (591,780) | (195,699) | (787,479) | (197,918) | (205,333) | (403,251) | (197,420) | (600,671) | (168,906) | (769,577) | (197,908) | (208,809) | (406,717) | (181,453) | (588,170) | (197,706) | (785,876) | (191,746) | (207,437) | (399,183) | (179,206) | (578,389) | (199,718) | (778,107) | (187,638) | (195,552) | (383,190) | (182,615) | (565,805) | (205,794) | (771,599) | (173,517) | (181,762) | (355,279) | (177,450) | (532,729) | (185,231) | (717,960) | (165,570) | (154,649) | (320,219) | (172,055) | (492,274) | (185,581) | (677,855) | (162,657) | (168,533) | (331,190) | (144,943) | (476,133) | (177,064) | (653,197) | |
b) altre spese amministrative | (144,670) | (133,751) | (278,421) | (159,052) | (437,473) | (152,034) | (589,507) | (146,530) | (143,059) | (289,589) | (153,090) | (442,679) | (171,475) | (614,154) | (124,484) | (135,155) | (259,639) | (126,502) | (386,141) | (199,337) | (585,478) | (126,127) | (135,714) | (261,841) | (129,645) | (391,486) | (138,303) | (529,789) | (124,560) | (131,959) | (256,519) | (127,462) | (383,981) | (137,825) | (521,806) | (122,801) | (127,774) | (250,575) | (114,849) | (365,424) | (124,465) | (489,889) | (119,583) | (128,397) | (247,980) | (125,306) | (373,286) | (127,733) | (501,019) | (117,365) | (129,139) | (246,504) | (117,706) | (364,210) | (132,111) | (496,321) | (119,659) | (134,697) | (254,356) | (119,718) | (374,074) | (126,555) | (500,629) | (105,339) | (119,524) | (224,863) | (109,824) | (334,687) | (129,909) | (464,596) | (98,320) | (112,811) | (211,131) | (100,155) | (311,286) | (119,725) | (431,011) | (98,504) | (104,312) | (202,816) | (89,750) | (292,566) | (112,557) | (405,123) | |
190. | Accantonamenti netti ai fondi per rischi e oneri | (5,661) | (5,941) | (11,602) | (9,268) | (20,870) | (9,708) | (30,578) | (9,621) | (12,504) | (22,125) | (5,791) | (27,916) | (752) | (28,668) | (14,096) | (22,689) | (36,785) | (15,440) | (52,225) | 88 | (52,137) | (6,658) | (12,976) | (19,634) | (8,036) | (27,670) | (11,112) | (38,782) | (5,318) | (13,060) | (18,378) | (1,700) | (20,078) | (9,832) | (29,910) | (4,907) | (3,654) | (8,561) | (2,135) | (10,696) | (18,436) | (29,132) | (7,268) | (9,006) | (16,274) | (3,276) | (19,550) | (2,862) | (22,412) | (6,692) | (10,362) | (17,054) | (6,651) | (23,705) | (7,188) | (30,893) | (3,542) | (12,313) | (15,855) | 996 | (14,859) | (7,417) | (22,276) | (8,008) | (1,433) | (9,441) | (7,768) | (17,209) | (13,899) | (31,108) | (4,699) | (12,341) | (17,040) | (6,987) | (24,027) | 3,483 | (20,544) | (6,397) | (9,146) | (15,543) | (5,018) | (20,561) | (19,057) | (39,618) |
200. | Rettifiche/riprese di valore nette su attività materiali | (9,076) | (12,048) | (21,124) | (9,771) | (30,895) | (15,229) | (46,124) | (8,983) | (12,104) | (21,087) | (9,150) | (30,237) | (15,472) | (45,709) | (9,944) | (9,171) | (19,115) | (9,295) | (28,410) | (19,926) | (48,336) | (10,402) | (10,253) | (20,655) | (10,192) | (30,847) | (12,918) | (43,765) | (10,081) | (10,155) | (20,236) | (10,190) | (30,426) | (13,304) | (43,730) | (10,315) | (11,414) | (21,729) | (10,434) | (32,163) | (12,685) | (44,848) | (10,695) | (10,963) | (21,658) | (10,637) | (32,295) | (11,176) | (43,471) | (10,387) | (11,071) | (21,458) | (10,619) | (32,077) | (12,029) | (44,106) | (9,582) | (10,459) | (20,041) | (10,156) | (30,197) | (16,255) | (46,452) | (9,228) | (10,027) | (19,255) | (9,761) | (29,016) | (10,310) | (39,326) | (9,240) | (9,813) | (19,053) | (9,909) | (28,962) | (9,878) | (38,840) | (9,527) | (9,763) | (19,290) | (9,741) | (29,031) | (9,843) | (38,874) |
210. | Rettifiche/riprese di valore nette su attività immateriali | (9,609) | (9,964) | (19,573) | (10,882) | (30,455) | (10,850) | (41,305) | (8,101) | (8,339) | (16,440) | (8,793) | (25,233) | (9,653) | (34,886) | (7,386) | (7,916) | (15,302) | (8,200) | (23,502) | (8,411) | (31,913) | (5,955) | (6,360) | (12,315) | (6,823) | (19,138) | (7,483) | (26,621) | (4,958) | (5,307) | (10,265) | (5,552) | (15,817) | (6,455) | (22,272) | (3,581) | (3,637) | (7,218) | (4,061) | (11,279) | (4,733) | (16,012) | (3,326) | (3,398) | (6,724) | (3,507) | (10,231) | (3,974) | (14,205) | (2,711) | (2,671) | (5,382) | (2,641) | (8,023) | (3,211) | (11,234) | (2,094) | (2,541) | (4,635) | (2,398) | (7,033) | (3,814) | (10,847) | (1,251) | (1,524) | (2,775) | (1,530) | (4,305) | (2,002) | (6,307) | (1,375) | (1,655) | (3,030) | (1,668) | (4,698) | (1,991) | (6,689) | (1,365) | (1,577) | (2,942) | (1,515) | (4,457) | (1,612) | (6,069) |
220. | Altri oneri/proventi di gestione | 40,291 | 45,299 | 85,590 | 54,947 | 140,537 | 43,828 | 184,365 | 45,943 | 45,329 | 91,272 | 42,990 | 134,262 | 39,455 | 173,717 | 46,307 | 41,032 | 87,339 | 43,078 | 130,417 | 45,387 | 175,804 | 48,455 | 43,525 | 91,980 | 37,556 | 129,536 | 43,732 | 173,268 | 57,822 | 55,765 | 113,587 | 49,388 | 162,975 | 48,876 | 211,851 | 31,283 | 30,255 | 61,538 | 46,152 | 107,690 | 35,963 | 143,653 | 27,367 | 26,516 | 53,883 | 25,728 | 79,611 | 44,773 | 124,384 | 23,757 | 34,292 | 58,049 | 22,575 | 80,624 | 29,860 | 110,484 | 24,654 | 27,443 | 52,097 | 20,653 | 72,750 | 24,880 | 97,630 | 42,497 | 44,428 | 86,925 | 39,733 | 126,658 | (4,537) | 122,121 | 42,665 | 46,433 | 89,098 | 42,549 | 131,647 | 54,444 | 186,091 | 37,876 | 39,767 | 77,643 | 40,435 | 118,078 | 43,915 | 161,993 |
230. | Costi operativi | (322,850) | (307,956) | (630,806) | (325,682) | (956,488) | (350,139) | (1,306,627) | (323,878) | (332,332) | (656,210) | (310,002) | (966,212) | (352,637) | (1,318,849) | (308,925) | (330,782) | (639,707) | (348,733) | (988,440) | (378,673) | (1,367,113) | (297,483) | (322,877) | (620,360) | (297,146) | (917,506) | (334,870) | (1,252,376) | (285,535) | (312,885) | (598,420) | (280,687) | (879,107) | (314,239) | (1,193,346) | (308,239) | (321,557) | (629,796) | (282,747) | (912,543) | (293,262) | (1,205,805) | (311,413) | (334,057) | (645,470) | (298,451) | (943,921) | (298,678) | (1,242,599) | (305,144) | (326,388) | (631,532) | (294,248) | (925,780) | (324,397) | (1,250,177) | (297,861) | (328,119) | (625,980) | (293,238) | (919,218) | (334,955) | (1,254,173) | (254,846) | (269,842) | (524,688) | (266,600) | (791,288) | (345,888) | (1,137,176) | (236,539) | (244,836) | (481,375) | (248,225) | (729,600) | (259,248) | (988,848) | (240,574) | (253,564) | (494,138) | (210,532) | (704,670) | (276,218) | (980,888) |
240. | Utili (perdite) delle partecipazioni | 3,675 | 2,857 | 6,532 | 4,872 | 11,404 | 7,079 | 18,483 | 3,143 | (406) | 2,737 | 2,344 | 5,081 | 3,410 | 8,491 | (1,886) | 7,270 | 5,384 | (6,843) | (1,459) | 1,556 | 97 | (973) | (2,792) | (3,765) | 2,270 | (1,495) | 658 | (837) | (5) | (8,200) | (8,205) | 3,790 | (4,415) | (10,533) | (14,948) | (233) | 5,384 | 5,151 | 955 | 6,106 | 9,085 | 15,191 | (2,115) | (16,735) | (18,850) | 40 | (18,810) | (24,356) | (43,166) | 189 | 1,443 | 1,632 | (827) | 805 | 16,630 | 17,435 | 2,545 | 3,199 | 5,744 | 4 | 5,748 | 3,281 | 9,029 | (53) | 2,287 | 2,234 | (146) | 2,088 | (83,261) | (81,173) | (80) | 6,004 | 5,924 | 14,008 | 19,932 | 7,207 | 27,139 | (45) | 7,222 | 7,177 | (803) | 6,374 | 16,278 | 22,652 |
260. | Rettifiche di valore dell'avviamento | - 0 | - 0 | - 0 | - 0 | - 0 | (28,357) | (28,357) | - 0 | (3,254) | (3,254) | - 0 | (3,254) | (29,600) | (32,854) | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | (112) | (112) | - 0 | (36) | (36) | - 0 | (36) | (12) | (48) | (60) | (43) | (103) | (35) | (138) | (61,291) | (61,429) | (90) | (83) | (173) | (32) | (205) | (3,094) | (3,299) | (19) | (52) | (71) | (49) | (120) | (67) | (187) | (1) | (195) | (196) | (37) | (233) | (12) | (245) | (158) | (256) | (414) | (57) | (471) | (476) | (947) | (306) | (506) | (812) | (187) | (999) | (214) | (1,213) |
130,722 | - 0 | 130,722 | 60,170 | 190,892 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
270. | Utili (perdite) da cessione di investimenti | 30 | (14) | 16 | 13 | 29 | (41) | (12) | 50 | (417) | (367) | 118 | (249) | 29 | (220) | 113 | (97) | 16 | (3) | 13 | 246 | 259 | 1 | 22 | 23 | 3 | 26 | 41 | 67 | 88 | 39 | 127 | 214 | 341 | (6) | 335 | (27) | (1,633) | (1,660) | (989) | (2,649) | 2,964 | 315 | 289 | 316 | 605 | 243 | 848 | 1,770 | 2,618 | 230 | 91 | 321 | (587) | (266) | 808 | 542 | 182 | (31) | 151 | 431 | 582 | (780) | (198) | 281 | 619 | 900 | 30 | 930 | 545 | 1,475 | 195 | 633 | 828 | (78) | 750 | 721 | 1,471 | 14 | 9 | 23 | 52 | 75 | 2,214 | 2,289 |
280. | Utile (perdita) della operatività corrente al lordo delle imposte | 25,011 | 84,038 | 109,049 | 52,560 | 161,609 | 37,511 | 199,120 | 47,435 | 45,427 | 92,862 | 52,418 | 145,280 | (134,736) | 10,544 | 78,935 | 36,671 | 115,606 | 10,052 | 125,658 | 87,856 | 213,514 | 51,979 | 32,251 | 84,230 | 47,526 | 131,756 | (73,591) | 58,165 | 44,417 | (28,868) | 15,549 | 83,722 | 99,271 | (32,447) | 66,824 | 158,523 | 4,164 | 162,687 | 117,352 | 280,039 | (287,452) | -7,413 | 125,546 | 70,077 | 195,623 | 123,494 | 319,117 | 86,979 | 406,096 | 104,726 | 78,236 | 182,962 | 152,715 | 335,677 | 63,354 | 399,031 | 101,330 | 45,929 | 147,259 | 147,708 | 294,967 | 11,405 | 306,372 | 153,852 | 145,540 | 299,392 | 151,406 | 450,798 | (24,716) | 426,082 | 223,884 | 186,971 | 410,855 | 190,640 | 601,495 | 197,064 | 798,559 | 171,913 | 163,359 | 335,272 | 166,559 | 501,831 | 180,177 | 682,008 |
290. | Imposte sul reddito di periodo dell'operatività corrente | (7,743) | 17,926 | 10,183 | (23,696) | (13,513) | (8,725) | (22,238) | (14,104) | (13,689) | (27,793) | (12,838) | (40,631) | 45,901 | 5,270 | (27,234) | (7,367) | (34,601) | (2,313) | (36,914) | 42,632 | 5,718 | (20,760) | (20,922) | (41,682) | (14,258) | (55,940) | 27,556 | (28,384) | (30,509) | (5,374) | (35,883) | (41,426) | (77,309) | 25,341 | (51,968) | (64,748) | (20,701) | (85,449) | (57,031) | (142,480) | 117,295 | (25,185) | (53,297) | (47,768) | (101,065) | (55,392) | (156,457) | (5,708) | (162,165) | (44,737) | (33,435) | (78,172) | (60,519) | (138,691) | (40,722) | (179,413) | (44,965) | (28,454) | (73,419) | (59,850) | (133,269) | (12,020) | (145,289) | (56,762) | (54,691) | (111,453) | (63,648) | (175,101) | (42,114) | (217,215) | (88,149) | (69,978) | (158,127) | (74,336) | (232,463) | (98,028) | (330,491) | (69,302) | (65,043) | (134,345) | (68,290) | (202,635) | (62,979) | (265,614) |
300. | Utile (perdita) della operatività corrente al netto delle imposte | 17,268 | 101,964 | 119,232 | 28,864 | 148,096 | 28,786 | 176,882 | 33,331 | 31,738 | 65,069 | 39,580 | 104,649 | (88,835) | 15,814 | 51,701 | 29,304 | 81,005 | 7,739 | 88,744 | 130,488 | 219,232 | 31,219 | 11,329 | 42,548 | 33,268 | 75,816 | (46,035) | 29,781 | 13,908 | (34,242) | (20,334) | 42,296 | 21,962 | (7,106) | 14,856 | 93,775 | -16,537 | 77,238 | 60,321 | 137,559 | (170,157) | (32,598) | 72,249 | 22,309 | 94,558 | 68,102 | 162,660 | 81,271 | 243,931 | 59,989 | 44,801 | 104,790 | 92,196 | 196,986 | 22,632 | 219,618 | 56,365 | 17,475 | 73,840 | 87,858 | 161,698 | (615) | 161,083 | 97,090 | 90,849 | 187,939 | 87,758 | 275,697 | (66,830) | 208,867 | 135,735 | 116,993 | 252,728 | 116,304 | 369,032 | 99,036 | 468,068 | 102,611 | 98,316 | 200,927 | 98,269 | 299,196 | 117,198 | 416,394 |
310. | Utile (perdita) dei gruppi di attività in via di dismissione al netto delle imposte | - | - | - | - | - | - | - | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | - 0 | 1,525 | (1,082) | 443 | 815 | 1,258 | - 0 | 1,258 | - 0 | - 0 | - | 482 | 482 | (482) | - 0 | 199 | 1,307 | 1,506 | 602 | 2,108 | (8,680) | (6,572) | 5,813 | 104,649 | 110,462 | 331 | 110,793 | (3,054) | 107,739 | - | 3,890 | 3,890 | 5,508 | 9,398 | (1,008) | 8,390 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
320. | Utile (perdita) di periodo | 17,268 | 101,964 | 119,232 | 28,864 | 148,096 | 28,786 | 176,882 | 33,331 | 31,738 | 65,069 | 39,580 | 104,649 | (88,835) | 15,814 | 51,701 | 29,304 | 81,005 | 7,739 | 88,744 | 130,488 | 219,232 | 31,219 | 11,329 | 42,548 | 33,268 | 75,816 | (46,035) | 29,781 | 15,433 | (35,324) | (19,891) | 43,111 | 23,220 | (7,106) | 16,114 | 93,775 | (16,537) | 77,238 | 60,803 | 138,041 | (170,639) | (32,598) | 72,448 | 23,616 | 96,064 | 68,704 | 164,768 | 72,591 | 237,359 | 65,802 | 149,450 | 215,252 | 92,527 | 307,779 | 19,578 | 327,357 | 56,365 | 21,365 | 77,730 | 93,366 | 171,096 | (1,623) | 169,473 | 97,090 | 90,849 | 187,939 | 87,758 | 275,697 | (66,830) | 208,867 | 135,735 | 116,993 | 252,728 | 116,304 | 369,032 | 99,036 | 468,068 | 102,611 | 98,316 | 200,927 | 98,269 | 299,196 | 117,198 | 416,394 |
330. | Utile (perdita) di periodo di pertinenza di terzi | (2,710) | 2,540 | (170) | 1,032 | 862 | (1,306) | (444) | (2,356) | 2,029 | (327) | (3,162) | (3,489) | 1,974 | (1,515) | (6,504) | (1,270) | (7,774) | 1,616 | (6,158) | 7,587 | 1,429 | (2,947) | (3,701) | (6,648) | (8,067) | (14,715) | (269) | (14,984) | (1,041) | (532) | (1,573) | (7,441) | (9,014) | 76 | (8,938) | (6,038) | 11,577 | 5,539 | (1,873) | 3,666 | 17,661 | 21,327 | (10,897) | (5,073) | (15,970) | (9,583) | (25,553) | 2,833 | (22,720) | (7,814) | (14,463) | (22,277) | (14,301) | (36,578) | 2,345 | (34,233) | (17,444) | (16,560) | (34,004) | (17,925) | (51,929) | (1,757) | (53,686) | (26,609) | (13,397) | (40,006) | (26,341) | (66,347) | (8,857) | (75,204) | (31,747) | (23,193) | (54,940) | (23,945) | (78,885) | (14,728) | (93,613) | (21,836) | (12,323) | (34,159) | (19,543) | (53,702) | (15,861) | (69,563) |
340. | Utile (perdita) di periodo di pertinenza della capogruppo | 14,558 | 104,504 | 119,062 | 29,896 | 148,958 | 27,480 | 176,438 | 30,975 | 33,767 | 64,742 | 36,418 | 101,160 | (86,861) | 14,299 | 45,197 | 28,034 | 73,231 | 9,355 | 82,586 | 138,075 | 220,661 | 28,272 | 7,628 | 35,900 | 25,201 | 61,101 | (46,304) | 14,797 | 14,392 | (35,856) | (21,464) | 35,670 | 14,206 | (7,030) | 7,176 | 87,737 | -4,960 | 82,777 | 58,930 | 141,707 | (152,978) | (11,271) | 61,551 | 18,543 | 80,094 | 59,121 | 139,215 | 75,424 | 214,639 | 57,988 | 134,987 | 192,975 | 78,226 | 271,201 | 21,923 | 293,124 | 38,921 | 4,805 | 43,726 | 75,441 | 119,167 | (3,380) | 115,787 | 70,481 | 77,452 | 147,933 | 61,417 | 209,350 | (75,687) | 133,663 | 103,988 | 93,800 | 197,788 | 92,359 | 290,147 | 84,308 | 374,455 | 80,775 | 85,993 | 166,768 | 78,726 | 245,494 | 101,337 | 346,831 |
CE RICL 2013 - 2017
Conto economico riclassificato trimestralizzato | ||||||||||||||||||||||||||||||||||||
(in migliaia di Euro) | ||||||||||||||||||||||||||||||||||||
Voci | 31.03.2017 | 2° trimestre 2017 | 30.06.2017 | 3° trimestre 2017 | 30.09.2017 | 4° trimestre 2017 | 31.12.2017 | 31.03.2016 | 2° trimestre 2016 | 30.06.2016 | 3° trimestre 2016 | 30.09.2016 | 4° trimestre 2016 | 31.12.2016 | 31.03.2015 | 2° trimestre 2015 | 30.06.2015 | 3° trimestre 2015 | 30.09.2015 | 4° trimestre 2015 | 31.12.2015 | 31.03.2014 | 2° trimestre 2014 | 30.06.2014 | 3° trimestre 2014 | 30.09.2014 | 4° trimestre 2014 | 31.12.2014 | 31.03.2013 | 2° trimestre 2013 | 30.06.2013 | 3° trimestre 2013 | 30.09.2013 | 4° trimestre 2013 | 31.12.2013 | |
10+20 | Margine di interesse | 288,114 | 282,005 | 570,119 | 280,218 | 850,337 | 274,142 | 1,124,479 | 296,800 | 293,576 | 590,376 | 285,728 | 876,104 | 294,343 | 1,170,447 | 314,095 | 308,370 | 622,465 | 302,036 | 924,501 | 303,040 | 1,227,541 | 329,820 | 328,639 | 658,459 | 320,040 | 978,499 | 313,310 | 1,291,809 | 311,115 | 326,081 | 637,196 | 326,987 | 964,183 | 325,806 | 1,289,989 |
40+50 | Commissioni | 177,373 | 181,851 | 359,224 | 184,802 | 544,026 | 196,602 | 740,628 | 177,083 | 181,035 | 358,118 | 174,803 | 532,921 | 179,801 | 712,722 | 179,203 | 180,650 | 359,853 | 177,844 | 537,697 | 188,996 | 726,693 | 171,450 | 174,028 | 345,478 | 169,012 | 514,490 | 176,174 | 690,664 | 171,289 | 175,522 | 346,811 | 172,675 | 519,486 | 178,772 | 698,258 |
70 | Dividendi | 312 | 10,812 | 11,124 | 507 | 11,631 | 785 | 12,416 | 86 | 8,732 | 8,818 | 338 | 9,156 | 716 | 9,872 | 249 | 13,583 | 13,832 | 457 | 14,289 | 1,664 | 15,953 | 574 | 17,617 | 18,191 | 115 | 18,306 | 1,086 | 19,392 | 575 | 22,415 | 22,990 | 540 | 23,530 | 556 | 24,086 |
80+90+100+110 | Risultato netto della finanza | 24,664 | 25,869 | 50,533 | 20,489 | 71,022 | 32,112 | 103,134 | 15,662 | 49,064 | 64,726 | 25,518 | 90,244 | 29,755 | 119,999 | 46,058 | 15,463 | 61,521 | 20,361 | 81,882 | 266,002 | 347,884 | 63,300 | 46,389 | 109,689 | 20,323 | 130,012 | 37,653 | 167,665 | 14,656 | 68,209 | 82,865 | 15,494 | 98,359 | 40,750 | 139,109 |
220 (*) (**) | Altri oneri e proventi di gestione | 10,310 | 14,298 | 24,608 | 23,565 | 48,173 | 10,017 | 58,190 | 15,538 | 16,430 | 31,968 | 13,605 | 45,573 | 8,665 | 54,238 | 15,443 | 9,269 | 24,712 | 12,274 | 36,986 | 15,516 | 52,502 | 18,666 | 11,133 | 29,799 | 5,851 | 35,650 | 12,215 | 47,865 | 30,964 | 24,573 | 55,537 | 20,102 | 75,639 | 19,754 | 95,393 |
Redditività Operativa | 500,773 | 514,835 | 1,015,608 | 509,581 | 1,525,189 | 513,658 | 2,038,847 | 505,169 | 548,837 | 1,054,006 | 499,992 | 1,553,998 | 513,280 | 2,067,278 | 555,048 | 527,335 | 1,082,383 | 512,972 | 1,595,355 | 775,218 | 2,370,573 | 583,810 | 577,806 | 1,161,616 | 515,341 | 1,676,957 | 540,438 | 2,217,395 | 528,599 | 616,800 | 1,145,399 | 535,798 | 1,681,197 | 565,638 | 2,246,835 | |
180 a) | Spese per il personale | (194,125) | (191,551) | (385,676) | (191,656) | (577,332) | (206,146) | (783,478) | (196,586) | (201,655) | (398,241) | (176,168) | (574,409) | (194,740) | (769,149) | (199,322) | (196,883) | (396,205) | (232,374) | (628,579) | (196,474) | (825,053) | (196,796) | (201,099) | (397,895) | (180,006) | (577,901) | (208,786) | (786,687) | (198,440) | (208,169) | (406,609) | (185,171) | (591,780) | (195,699) | (787,479) |
180 b) (*) (***) | Altre spese amministrative | (96,628) | (104,864) | (201,492) | (107,465) | (308,957) | (116,654) | (425,611) | (101,125) | (102,758) | (203,883) | (106,098) | (309,981) | (107,236) | (417,217) | (93,620) | (103,392) | (197,012) | (95,698) | (292,710) | (107,912) | (400,622) | (96,338) | (103,322) | (199,660) | (97,940) | (297,600) | (106,786) | (404,386) | (97,702) | (100,767) | (198,469) | (98,176) | (296,645) | (108,703) | (405,348) |
210 + 220 | Rettifiche/riprese di valore nette su attività materiali e immateriali | (18,685) | (22,012) | (40,697) | (20,653) | (61,350) | (26,079) | (87,429) | (17,084) | (20,443) | (37,527) | (17,943) | (55,470) | (25,125) | (80,595) | (17,330) | (17,087) | (34,417) | (17,495) | (51,912) | (28,337) | (80,249) | (16,357) | (16,613) | (32,970) | (17,015) | (49,985) | (20,401) | (70,386) | (15,039) | (15,462) | (30,501) | (15,742) | (46,243) | (19,759) | (66,002) |
Costi della gestione | (309,438) | (318,427) | (627,865) | (319,774) | (947,639) | (348,879) | (1,296,518) | (314,795) | (324,856) | (639,651) | (300,209) | (939,860) | (327,101) | (1,266,961) | (310,272) | (317,362) | (627,634) | (345,567) | (973,201) | (332,723) | (1,305,924) | (309,491) | (321,034) | (630,525) | (294,961) | (925,486) | (335,973) | (1,261,459) | (311,181) | (324,398) | (635,579) | (299,089) | (934,668) | (324,161) | (1,258,829) | |
Risultato della gestione operativa | 191,335 | 196,408 | 387,743 | 189,807 | 577,550 | 164,779 | 742,329 | 190,374 | 223,981 | 414,355 | 199,783 | 614,138 | 186,179 | 800,317 | 244,776 | 209,973 | 454,749 | 167,405 | 622,154 | 442,495 | 1,064,649 | 274,319 | 256,772 | 531,091 | 220,380 | 751,471 | 204,465 | 955,936 | 217,418 | 292,402 | 509,820 | 236,709 | 746,529 | 241,477 | 988,006 | |
130 a) | Rettifiche/riprese di valore nette per deterioramento dei crediti | (133,573) | (189,659) | (323,232) | (89,722) | (412,954) | (123,021) | (535,975) | (114,167) | (161,935) | (276,102) | (124,578) | (400,680) | (219,070) | (619,750) | (147,504) | (150,237) | (297,741) | (127,156) | (424,897) | (280,902) | (705,799) | (211,820) | (204,972) | (416,792) | (163,296) | (580,088) | (232,646) | (812,734) | (161,628) | (278,131) | (439,759) | (151,624) | (591,383) | (190,202) | (781,585) |
130 b)+c) | Rettifiche/riprese di valore nette per deterioramento di attività finanziarie AFS e HTM | (17,381) | (54,236) | (71,617) | (29,383) | (101,000) | (3,628) | (104,628) | (3,678) | (3,524) | (7,202) | (4,948) | (12,150) | (39,661) | (51,811) | (6,347) | (2,552) | (8,899) | (7,563) | (16,462) | (10,881) | (27,343) | (466) | (3,189) | (3,655) | (680) | (4,335) | (36,012) | (40,347) | (670) | (2,528) | (3,198) | (1,423) | (4,621) | (53,812) | (58,433) |
130 d) | Rettifiche/riprese per deterioramento di altre operazioni finanziarie | 4,647 | 1,787 | 6,434 | 6,446 | 12,880 | (28,193) | (15,313) | (3,666) | 3,918 | 252 | 3,097 | 14,319 | (1,822) | 12,497 | 3,879 | (4,997) | (1,118) | (348) | (1,466) | (3,192) | (4,658) | (2,424) | (614) | (3,038) | (3,115) | (6,153) | 1,015 | (5,138) | (5,468) | (19,390) | (24,858) | (2,244) | (27,102) | (9,427) | (36,529) |
Rettifiche\riprese di valore nette per deterioramento | (146,307) | (242,108) | (388,415) | (112,659) | (501,074) | (154,842) | (655,916) | (121,511) | (161,541) | (283,052) | (126,429) | (398,511) | (260,553) | (659,064) | (149,972) | (157,786) | (307,758) | (135,067) | (442,825) | (294,975) | (737,800) | (214,710) | (208,775) | (423,485) | (167,091) | (590,576) | (267,643) | (858,219) | (167,766) | (300,049) | (467,815) | (155,291) | (623,106) | (253,441) | (876,547) | |
190 (****) | Accantonamenti netti a fondi per rischi e oneri | (5,661) | (5,941) | (11,602) | (9,268) | (20,870) | (9,708) | (30,578) | (9,621) | (12,504) | (22,125) | (5,791) | (27,916) | (4,732) | (32,648) | (14,096) | (12,439) | (26,535) | (6,585) | (33,120) | (14,262) | (47,382) | (6,658) | (12,976) | (19,634) | (8,036) | (27,670) | (11,112) | (38,782) | (5,318) | (13,060) | (18,378) | (1,700) | (20,078) | (9,832) | (29,910) |
### | Contributi ai fondi SRF, DGS, FITD | (18,061) | 2,114 | (15,947) | (20,205) | (36,152) | (1,569) | (37,721) | (15,000) | (432) | (15,432) | (17,607) | (44,009) | (29,469) | (73,478) | - | (10,250) | (10,250) | (8,855) | (19,105) | (47,204) | (66,309) | ||||||||||||||
240+260+270 | Utili (perdite) da cessione di investimenti e partecipazioni e rettifiche di valore dell'avviamento | 3,705 | 2,843 | 6,548 | 4,885 | 11,433 | (21,319) | (9,886) | 3,193 | (4,077) | (884) | 2,462 | 1,578 | (26,161) | (24,583) | (1,773) | 7,173 | 5,400 | (6,846) | (1,446) | 1,802 | 356 | (972) | (2,770) | (3,742) | 2,273 | (1,469) | 699 | (770) | 83 | (8,161) | (8,078) | 4,004 | (4,074) | (10,651) | (14,725) |
265 | Avviamento negativo | 130,722 | 130,722 | 130,722 | 60,170 | 190,892 | ||||||||||||||||||||||||||||||
280 | Risultato dell'operatività corrente al lordo delle imposte | 25,011 | 84,038 | 109,049 | 52,560 | 161,609 | 37,511 | 199,120 | 47,435 | 45,427 | 92,862 | 52,418 | 145,280 | (134,736) | 10,544 | 78,935 | 36,671 | 115,606 | 10,052 | 125,658 | 87,856 | 213,514 | 51,979 | 32,251 | 84,230 | 47,526 | 131,756 | (73,591) | 58,165 | 44,417 | (28,868) | 15,549 | 83,722 | 99,271 | (32,447) | 66,824 |
290 | Imposte sul reddito di periodo al lordo dell'operatività corrente | (7,743) | 17,926 | 10,183 | (23,696) | (13,513) | (8,725) | (22,238) | (14,104) | (13,689) | (27,793) | (12,838) | (40,631) | 45,901 | 5,270 | (27,234) | (7,367) | (34,601) | (2,313) | (36,914) | 42,632 | 5,718 | (20,760) | (20,922) | (41,682) | (14,258) | (55,940) | 27,556 | (28,384) | (30,509) | (5,374) | (35,883) | (41,426) | (77,309) | 25,341 | (51,968) |
310 | Utile (perdita) dei gruppi di attività in via di dismissione al netto delle imposte | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,525 | (1,082) | 443 | 815 | 1,258 | - | 1,258 | ||||
320 | Utile (Perdita) di periodo | 17,268 | 101,964 | 119,232 | 28,864 | 148,096 | 28,786 | 176,882 | 33,331 | 31,738 | 65,069 | 39,580 | 104,649 | (88,835) | 15,814 | 51,701 | 29,304 | 81,005 | 7,739 | 88,744 | 130,488 | 219,232 | 31,219 | 11,329 | 42,548 | 33,268 | 75,816 | (46,035) | 29,781 | 15,433 | (35,324) | (19,891) | 43,111 | 23,220 | (7,106) | 16,114 |
330 | Utile netto di pertinenza di terzi | (2,710) | 2,540 | (170) | 1,032 | 862 | (1,306) | (444) | (2,356) | 2,029 | (327) | (3,162) | (3,489) | 1,974 | (1,515) | (6,504) | (1,270) | (7,774) | 1,616 | (6,158) | 7,587 | 1,429 | (2,947) | (3,701) | (6,648) | (8,067) | (14,715) | (269) | (14,984) | (1,041) | (532) | (1,573) | (7,441) | (9,014) | 76 | (8,938) |
340 | Utile (Perdita) di periodo di pertinenza della Capogruppo | 14,558 | 104,504 | 119,062 | 29,896 | 148,958 | 27,480 | 176,438 | 30,975 | 33,767 | 64,742 | 36,418 | 101,160 | (86,861) | 14,299 | 45,197 | 28,034 | 73,231 | 9,355 | 82,586 | 138,075 | 220,661 | 28,272 | 7,628 | 35,900 | 25,201 | 61,101 | (46,304) | 14,797 | 14,392 | (35,856) | (21,464) | 35,670 | 14,206 | (7,030) | 7,176 |
Al netto di: | ||||||||||||||||||||||||||||||||||||
(*) | Recuperi di imposte indirette | 29,981 | 31,001 | 60,982 | 31,382 | 92,364 | 33,811 | 126,175 | 30,405 | 28,899 | 59,304 | 29,385 | 88,689 | 30,015 | 118,704 | 30,864 | 31,763 | 62,627 | 30,804 | 93,431 | 29,871 | 123,302 | 29,789 | 32,392 | 62,181 | 31,705 | 93,886 | 31,517 | 125,403 | 26,858 | 31,192 | 58,050 | 29,286 | 87,336 | 29,122 | 116,458 |
(**) | Recupero garanzia scaduta nell'ambito dell'operazione Tercas | - | - | - | - | - | - | - | 775 | 775 | - | - | - | - | - | - | - | |||||||||||||||||||
(***) | Contributi ai fondi SRF, DGS, FITD | (18,061) | 2,114 | (15,947) | (20,205) | (36,152) | (1,569) | (37,721) | (15,000) | (11,402) | (26,402) | (17,607) | (44,009) | (34,224) | (78,233) | - | - | - | - | - | (61,554) | (61,554) | ||||||||||||||
(****) | Contributi ai fondi SRF, DGS, FITD | - | - | - | - | - | - | 3,980 | 3,980 | - | (10,250) | (10,250) | (8,855) | (19,105) | 14,350 | (4,755) | ||||||||||||||||||||
(*****) | Rimborso dal FITD-SV nell'ambito dell'operazione Tercas | - | - | - | 10,970 | 10,970 |
Allegati
Disclaimer
BPER Banca S.p.A. ha pubblicato questo contenuto il 26 maggio 2021 ed è responsabile delle informazioni in esso contenute. Distribuito da Public, senza apportare modifiche o alterazioni, il 26 maggio 2021 07:27:01 UTC.