1
2
HIGHLIGHTS
Net profit 44,0 (37,7 in 1H 2012) +16,7%
Equity 331,2 (309 at 31/12/2012) +7,2%
Funding 10.000,2 (7.676 at 31...
3
Trade receivables sector
Clients +6%
Turnover 2.508,6 +0,9%
Focus on SMEs
Trade
receivables
KPIs
1H
2013
1H
2012
Net Ban...
4
Net provisions
Equal to 26,3 VS 14,8 in 1H 2012
Group KPI 1H 2013 1H 2012
Credit
quality cost
3,5% 2,0%
NET RESULT OF FI...
5
Group KPI
1 H
2013
1 H
2012
Credit quality cost 3,5% 2,0%
Cost/income ratio 28,1% 32,2%
Tax Rate 35,6% 34,9%
NET PROFIT
...
6
BALANCE SHEET - ASSET STRUCTURE
(million Euro). % change 30/06/2013 Vs 31/12/2012
Total assets
10.676,3
Due from banks
4...
7
CREDIT QUALITY
(million Euro) % change 30/06/2013 Vs 31/12/2012
Loans to customers 2.252,9
0
50
100
150
200
250
300
350
...
8
up to
3 months
from over
3 to
6 months
from over
6 months
to
1 year
from over
1 year to
2 years
from over
2 to
5 years
T...
9
rendimax on line deposit account
3.900,2 +28%
Total funds
and deposits
10.205,7 +32,9%
Wholesale funding
601,0due to ban...
10
BANCA IFIS GROUP: EQUITY BREAKDOWN
(million Euro)
EQUITY: CHANGES
Net equity at 31.12.2012 309,0
Increases: 51,5
Profit...
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2013 First half results presentation

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The Board of Directors of Banca IFIS met today under the chairmanship of Sebastien von Furstenberg and approved the results for the first half of 2013.

The first half 1 January-30 June 2013
Net banking income increasing by 22,7% to 132 million Euro.
Net profit from financial activities increasing by 14% to 105 million Euro.
Cost/income ratio further improving, down to 28,1% from 32,2%.
Profit for the period increasing by 16,7% to over 44 million Euro.
Turnover for the first six months: 2.509 million Euro.
Retail funding exceeded 3,9 billion Euro.
Non-performing loans/total loans in the trade receivables sector: 3,5%, compared to 4,3% at the end of 2012 and 3,7% at 30 June 2012.
70 new employees taken on in the first six months of 2013.
Solvency: 13,9%.
Core Tier 1: 14,2%.
The second quarter 1 April-30 June 2013
Net banking income amounting to 65 million Euro (+18,2%).
Net profit from financial activities increasing by 14,0% to 52 million Euro.
Net profit amounting to 21,6 million Euro (+19,6%).

Published in: Economy & Finance, Business
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2013 First half results presentation

  1. 1. 1
  2. 2. 2 HIGHLIGHTS Net profit 44,0 (37,7 in 1H 2012) +16,7% Equity 331,2 (309 at 31/12/2012) +7,2% Funding 10.000,2 (7.676 at 31/12/2012) +32,9% GROUP KPIs 1H 2013 1H 2012 Credit quality cost 3,5% 2,0% Cost/income ratio 28,1% 32,2% Solvency 13,9% 11,9% Core Tier 1 14,2% 12,1% Book value per share 6,31 5,77 (million Euro)
  3. 3. 3 Trade receivables sector Clients +6% Turnover 2.508,6 +0,9% Focus on SMEs Trade receivables KPIs 1H 2013 1H 2012 Net Banking Income/Turnover 2,3% 1,9% NET BANKING INCOME 131,7 (107,3 in 1H 2012) +22,7% % change 1H 2013 / 2012 (million Euro) 41% 4,2% 11% 44% Breakdown NBI 1H 2013 G&S Tax Receiv. NPL Trade Receiv. Data 1H Trade Receiv. DRL Tax Receiv. G&S 2012 47,8 10,0 1,1 48,4 2013 57,4 14,8 5,5 54,0 Change 9,6 4,8 4,4 5,6 % Change 20,1% 47,7% 384,0% 11,6%
  4. 4. 4 Net provisions Equal to 26,3 VS 14,8 in 1H 2012 Group KPI 1H 2013 1H 2012 Credit quality cost 3,5% 2,0% NET RESULT OF FINANCIAL OPERATIONS (million Euro) 105,4 (92,4 in 1H 2012) +14,0% % change 1 H 2013 / 2012 0,0% 0,5% 1,0% 1,5% 2,0% 2,5% 3,0% 3,5% 4,0% 2009 2010 2011 1H2012 1H 2013 Credit quality cost Data 1H Trade Receiv. DRL Tax receiv. G&S 2012 35,7 10,0 1,1 45,7 2013 29,8 15,7 5,9 53,9 Change -5,9 -5,7 -4,8 8,2 % Change -16,4% 58,0% 440,1% 18,0%
  5. 5. 5 Group KPI 1 H 2013 1 H 2012 Credit quality cost 3,5% 2,0% Cost/income ratio 28,1% 32,2% Tax Rate 35,6% 34,9% NET PROFIT (million Euro) 44,0 (37,7 in 1 H 2012) +16,7% Var. % 1H 2013/2012
  6. 6. 6 BALANCE SHEET - ASSET STRUCTURE (million Euro). % change 30/06/2013 Vs 31/12/2012 Total assets 10.676,3 Due from banks 481,6 -11,7% Other Financial Assets (AFS + HTM + L&R) 7.738,1 +50,5% Loans to customers 2.252,9 -1,7% of which 110,8 DRL 87,6 Tax receivables Portfolio of Italian government bonds 7.687,3
  7. 7. 7 CREDIT QUALITY (million Euro) % change 30/06/2013 Vs 31/12/2012 Loans to customers 2.252,9 0 50 100 150 200 250 300 350 400 450 NPL Substandard Rescheduled Overdue Total 108 172 8 126 415 115 204 8 113 440 Impaired Assets 59,8 55,3% 47,9 44,3% 0,4 0,4% 0 Trade recs NPL Tax recs NPL breakdown 109,1 63,4% 62,9 36,6% Trade recs NPL Substandard loan breakdowm % NPLs/ total loans 4,8% vs 5,0% % Substandard / total loans 7,6% vs 8,9% % Impaired assets / total loans 18,4% vs 19,2% % NPLs/ total trade receivables 3,5% vs 4,3% % Substandard / total trade receivables 6,3% vs 7,7% % Impaired assets / Trade receivables 17,6% vs 18,8%
  8. 8. 8 up to 3 months from over 3 to 6 months from over 6 months to 1 year from over 1 year to 2 years from over 2 to 5 years Total Total 1.046,1 31,6 2.218,3 1.542,2 2.899,8 7.738,0 % on total 13,5% 0,4% 28,7% 19,9% 37,5% 100,0% Breakdown % Change30.06.2013 31.12.2012 Available for sale financial assets 2.855,8 1.961,6 45,6% Held to maturity financial assets 4.856,2 3.120,4 55,6% Receivables due from banks - bonds 26,0 58,1 (55,2)% Total 7.738,0 5.140,1 50,5% DEBT SECURITIES PORTFOLIO (million Euro) % change 30/06/2013 Vs 31/12/2012
  9. 9. 9 rendimax on line deposit account 3.900,2 +28% Total funds and deposits 10.205,7 +32,9% Wholesale funding 601,0due to banks +7,8% BALANCE SHEET - FUNDING STRUCTURE (million Euro) % change 30/06/2013 Vs 31/12/2012 Wholesale funding 5.651,7 +39,9% Repurchase agreements with underlying government bonds and the Cassa di Compensazione e Garanzia as counterparty 38,3% 61,7 Retail Wholesale
  10. 10. 10 BANCA IFIS GROUP: EQUITY BREAKDOWN (million Euro) EQUITY: CHANGES Net equity at 31.12.2012 309,0 Increases: 51,5 Profit for the period 44,0 Valuation reserve: 6,9 - Available for sale assets 6,9 Decreases: (29,2) Valuation reserve: (1,8) - Exchange differences (1,8) Purchase of treasury shares (7,8) Net equity at 30.06.2013 331,2
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