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Bonus per discoteche, palestre ed eventi: in arrivo 140 milioni di contributi a fondo perdutoBper,Professore del Dipartimento di Gestione del Rischio di BlackRock nel 1° semestre 2024 utile a 724,2 miloni con un +2,8% di Adnkronos   07-08-2024 - 10:53 Link copiato #iubenda-cs-banner .iub_ts_bc:not(.iubenda-custom-content) *,#iubenda-cs-banner [class*=" iub"],#iubenda-cs-banner [class^=iub],.iubenda-tp-btn:not([data-tp-nostyle]){ 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(Adnkronos) - Bper ha chiuso il primo semestre dell'anno con un utile netto pari a 724,2 milioni di euro, in rialzo del 2,8% sul primo semestre del 2023. I ricavi “core” sono aumentati del 7% a 2, 7 miliardi. L’NPE ratio, si attesta al 2,8% lordo (1,3% netto), ci posiziona come best in class del sistema bancario italiano. Sono alcuni dei principali risultati individuali della Banca, consolidati di Gruppo al 30 giugno, approvati dal cda di Bper Banca presieduta da Fabio Cerchiai. Inoltre, il costo del credito annualizzato si attesta a 41 punti base, in riduzione rispetto al dato di fine anno 2023 pari a 48 punti base e il livello di copertura dei crediti deteriorati risulta pari al 53,3%, in aumento rispetto al dato di fine anno scorso (52,5%). I dividendi risultano pari a 37,1 milioni di euro (+47,6% sem/sem), di cui 11,1 milioni di euro riconducibili alla partecipazione in Banca d’Italia ed 11,8 milioni di euro in Arca Vita. Il risultato netto della finanza è positivo per 10,3 milioni di euro e si confronta con 53,9 milioni di euro del primo semestre 2023. La raccolta tramite certificates ha un impatto pari a -39,8 milioni di euro rispetto a -16,1 milioni di euro del primo semestre 2023. In virtù delle dinamiche descritte, il totale dei proventi operativi netti ammonta a 2.758,1 milioni di euro (+4,1% sem/sem), trainato dalla crescita dei ricavi core pari a 2.697,2 milioni di euro (+7,0% sem/sem). I profili di capitale e liquidità della Banca rimangono elevati grazie ad una generazione organica di capitale che permette al CET1 ratio di raggiungere il 15,3%; anche la posizione di liquidità presenta indici regolamentari ben oltre le soglie minime previste anche a fronte dell’ultimo rimborso di marzo 2024 di una tranche pari a 1,7 miliardi di euro del funding Tltro.Per l’esercizio 2024 la Banca "ha aggiornato la propria guidance rispetto ai risultati di fine 2023, - si legge nella nota di Bper - presentando un margine di interesse stabile, commissioni nette con una dinamica positiva grazie allo sviluppo dei ricavi da gestione e intermediazione del risparmio e consulenza, oneri operativi in leggero aumento rispetto a quelli del 2023". Inoltre, lato qualità degli attivi, Bper "prevede di mantenere un costo del credito in leggero miglioramento rispetto al 2023. La redditività netta ordinaria si ritiene possa prevedibilmente essere in linea con quella del 2023, al netto dell’effetto della fiscalità differita. Si prevede una conferma ed un rafforzamento della solidità patrimoniale della Banca". "L’attività del semestre conferma l’impegno di tutti i colleghi rivolto ad una continua e costante generazione di valore. Tutte le divisioni hanno contribuito, sia sotto il profilo dei ricavi, sia grazie ad una rigorosa disciplina sui costi. Gli indicatori di rischio di credito continuano ad attestarsi su livelli contenuti". Così il Ceo di Bper Banca, Gianni Franco Papa commentando i risultati semestrali del gruppo."La posizione patrimoniale della Banca e i livelli di liquidità rimangono solidi, - sottolinea il manager - grazie anche alla continua generazione di capitale, rendendoci in grado di gestire con fiducia uno scenario macroeconomico caratterizzato da grande incertezza. Stiamo lavorando per definire il nostro nuovo piano industriale che, insieme al team manageriale, presenteremo il prossimo 10 ottobre a Milano. Un piano orientato alla crescita che ci permetterà di continuare a creare valore per tutti i nostri stakeholder”.''L'utile netto consolidato del semestre è stato pari a 724,2 milioni di euro, mentre i ricavi 'core' ammontano a 2.697,2 milioni di euro, il più 7,0% rispetto al primo semestre 2023. Il margine di interesse in crescita a 1.682,5 milioni di euro (+8,9% sem/sem) e commissioni nette in aumento a 1.014,7 milioni di euro (+4,0% sem/sem) grazie in particolare alle commissioni da raccolta gestita (+13,4% sem/sem)''. ''Confermata l'efficienza operativa con cost income ratio pari al 50,6% -sottolinea Papa-. Confermata la solida qualità del credito con Npe ratio lordo al 2,8% e netto all’1,3%. Elevato livello di copertura complessiva dei crediti deteriorati al 53,3% vs. 52,5% di fine 2023, fra i più alti in Italia. Il costo del credito annualizzato del semestre pari a 41 punti base in calo rispetto al dato relativo all’esercizio 2023 (48 punti base)''.''L’organica generazione di capitale rafforza ulteriormente l’evoluzione patrimoniale, con un cet1 ratio pari al 15,3%. Importante creazione di valore per gli azionisti con un Eps nel primo semestre 2024 pari a 0,512 euro. La solida posizione di liquidità con lcr a 161% e nsfr pari a 135% (dopo aver rimborsato funding tltro per 16 miliardi di euro nel 2023/2024)''.''Si stima al momento che il Pil italiano aumenterà in media annua intorno all’1,0% nel triennio 2024-2025-2026. In tale scenario, per l’esercizio 2024 la Banca ha aggiornato la propria guidance rispetto ai risultati di fine 2023, presentando un margine di interesse stabile, commissioni nette con una dinamica positiva grazie allo sviluppo dei ricavi da gestione e intermediazione del risparmio e consulenza, oneri operativi in leggero aumento rispetto a quelli del 2023''. ''Lato qualità degli attivi, si prevede di mantenere un costo del credito in leggero miglioramento rispetto al 2023 -aggiunge Papa-. La redditività netta ordinaria si ritiene possa prevedibilmente essere in linea con quella del 2023, al netto dell’effetto della fiscalità differita. Si prevede una conferma ed un rafforzamento della solidità patrimoniale della Banca''. di Adnkronos   07-08-2024 - 10:53 Link copiato Commenti Leggi la Netiquette

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