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2013 Third quarter results presentation

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Banca IFIS, 9 months of improving results. Thanks to the trust of retail costumers, SMEs and families. ​The C.E.O. Bossi: "Outstanding performance achieved by assuming risks responsibly: Banking …

Banca IFIS, 9 months of improving results. Thanks to the trust of retail costumers, SMEs and families. ​The C.E.O. Bossi: "Outstanding performance achieved by assuming risks responsibly: Banking business is possible".

Published in: Economy & Finance, Business

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  • 1. 1
  • 2. HIGHLIGHTS (million Euro) 67,1 357,9 9.365,0 Net profit Equity Funding GROUP KPIs (59,7 at 30/09/2012) +15,8% (309,0 at 31/12/2012) +15,8% (7.676 at 31/12/2012) 30/09/2013 +22,0% 30/09/2012 Credit quality cost 3,3% 2,2% Cost/income ratio 28,3% 30,5% Solvency 14,1% 11,9% Core Tier 1 14,3% 12,1% 6,83 5,32 Book value per share 2
  • 3. NET BANKING INCOME (million Euro) Trade receivables sector Clients +6% Turnover 3.904 194,1 +15,8% Data 1H Focus on SMEs (167,6 at 30/09/2012) Trade receivables KPIs % change 30/09 2013 / 2012 Trade Receiv. Tax Receiv. DRL +8,5% 30/09/ 2013 30/09/ 2012 2,2% 2,2% Net Banking Income/Turnover G&S 2012 79,1 13,2 2,1 73,3 2013 90,7 19,3 7,6 76,5 Change 11,6 6,2 5,5 Breakdown NBI 9 months 2013 3,2 39% 47% % Change 14,7% 47,0% 260,5% 4,4% G&S Tax Receiv. DRL 4% Trade Receiv. 10% 3
  • 4. NET RESULT OF FINANCIAL OPERATIONS (million Euro) Net provisions Equal to 34,6 VS 27,6 in the first 2013 nine months 159,6 +13,9% 9 months Data (140,1 at 30/09/2012) Group KPI % change 30/09 2013 / 2012 Trade Receiv. DRL Tax receiv. 30/09/2012 3,3% 2,2% Credit quality cost G&S 2012 54,4 13,0 2,0 2013 54,2 21,0 8,0 76,4 Change -0,2 8,0 6,0 5,8 -0,5% 61,0% 309,3% 8,2% Credit quality cost 70,6 % Change 30/09/2013 3,5% 3,0% 2,5% 2,0% 1,5% 1,0% 0,5% 0,0% 2009 2010 2011 9 9 months months 2012 2013 4
  • 5. NET PROFIT (million Euro) 67,1 (57,9 at 30/09/2012) +15,8% Var. % 30/09 2013/2012 30/09/ 2012 Credit quality cost 194,1 30/09/ 2013 3,3% 2,2% Cost/income ratio 28,3% 30,5% Group KPI 34,6 54,9 Tax rate 35,9% 34,9% 37,5 67,1 NBI Provisions Operating costs Taxes NET PROFIT 5
  • 6. BALANCE SHEET - ASSET STRUCTURE (million Euro). % change 30/09/2013 Vs 31/12/2012 of which Loans to customers 2.237,6 -2,4% Expired repos 139 mio 1.779,3 Trade rec. 114,7 DLR 92,8 Tax rec. Total assets 9.848,9 Other Financial Assets (AFS + HTM + L&R) 6.991,1 +37,2% Portfolio of Italian government bonds 7.003 4% 2% 23% 71% Due from banks 391,2 -28,3% Financial assets Due from clients Due from banks Other assets 6
  • 7. CREDIT QUALITY (million Euro) % change 30/09/2013 Vs 31/12/2012 NPL Breakdown Loans to customers 2.237,6 1% 48% 51% 450 400 Trade recs 350 NPL Tax recs 300 2013 2012 250 200 Substandard loan breakdown 150 100 50 0 NPL Substandards Rescheduled Overdue Total % NPLs/ total loans 4,8% vs 5,0% % Substandard / total trade receivables 57% % NPLs/ total trade receivables % Substandard / total loans 6,2% vs 8,9% 43% % Impaired assets / total loans 16,8% vs 19,2% 2,9% vs 4,3% Trade recs NPL 4,5% vs 7,7% % Impaired assets / Trade receivables 14,7% vs 18,8% 7
  • 8. LOANS, NPLs AND SUBSTANDARDS TRENDS - Trade receivables IMPIEGHI SOFFERENZE NETTE / IMPIEGHI INCAGLI NETTI / IMPIEGHI 12,00% 2.000.000 10,00% 1.500.000 8,00% 6,00% 1.000.000 4,00% 500.000 2,00% - 0,00% 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013* 8
  • 9. DEBT SECURITIES PORTFOLIO (million Euro) % change 30/09/2013 Vs 31/12/2012 from over from over from over from over 6 months 1 year to 2 to 5 to to 2 years 5 years 10 years 1 year up to 3 months from over 3 to 6 months Total 31,9 992,2 2.118,1 672,5 3.045,1 143,8 7.003,5 % on total 0,4% 14,2% 30,2% 9,6% 43,5% 2,1% 100,0% Breakdown Available for sale financial assets Held to maturity financial assets Receivables due from banks - bonds Total 30.09.2013 2.518,2 4.459,3 26,0 7.003,5 31.12.2012 1.961,6 3.120,4 58,1 5.140,1 Total % Change 28,4% 42,9% (55,2)% 36,3% 9
  • 10. BALANCE SHEET - FUNDING STRUCTURE (million Euro) % change 30/09/2013 Vs 31/12/2012 rendimax on line deposit account 3.945,6 +29,5% Total funds and deposits 9.365,0 +22,0% Wholesale funding 528,0 due to banks -5,3% 57,2 42,1 Wholesale funding 4.834,0 +19,7% Repurchase agreements with underlying government bonds and the Cassa di Compensazione e Garanzia as counterparty retail wholesale 10
  • 11. BANCA IFIS GROUP: EQUITY BREAKDOWN (million Euro) EQUITY: CHANGES 309,0 Net equity at 31.12.2012 Increases: 78,4 Profit for the period 67,1 Sell of treasury shares 1,0 Valuation reserve: 10,3 - Available for sale assets 10,2 Decreases: (29,6) Dividends (19,5) Valuation reserve: (1,1) - Exchange differences Purchase of treasury shares Net equity at 30.09.2013 (1,1) (8,9) 357,9 11