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I RISULTATI IN BREVE
(Valori in milioni di Euro)
Utile netto 26,2 (24,7 al 31/03/2014) +6,3%
Patrimonio 571,9 (437,8 al ...
3
Settore crediti commerciali
Clienti +8,8% vs marzo 2014
Turnover 2,1 mld +29,4%
KPI Crediti
Commerciali
12 mesi
2015 201...
4
RISULTATO NETTO DELLA GESTIONE FINANZIARIA
(Valori in milioni di Euro)
65,1 (61,0 nel 1° trim. 2014)
+6,8% var. % 1° tri...
5
UTILE NETTO
(Valori in milioni di Euro)
26,2 (24,7 nel 1° trim. 2014)
+6,3% var% 2015/2014
Margine
Intermediazione
Retti...
6
STATO PATRIMONIALE - IMPIEGHI
(Valori in milioni di Euro) Var. % 31.03.2015 vs 31.12.2014
Totale
attivo
8.242,6
crediti ...
7
QUALITA’ DEL CREDITO
Crediti commerciali: 2.491,3 +1,5%
(Valori in milioni di Euro) Var. % 31.03.2015 vs 31.12.2014
% so...
8
rendimax e contomax
3.071,9 -7,3%
Totale della
raccolta
7.442,4 -3,9%
raccolta wholesale
4.097,7 PCT +96,7%
raccolta who...
9
PORTAFOGLIO TITOLI DI DEBITO al 31/3/2015
Entro dicembre
2015
da gennaio
a dicembre 2016
da gennaio
a dicembre 2017
da g...
10
PORTAFOGLIO TITOLI al 27 aprile 2015
Entro
dicembre
2015
da gennaio
a
dicembre
2016
da gennaio
a
dicembre
2017
da genna...
11
GRUPPO BANCA IFIS: DINAMICHE DEL PATRIMONIO
(Valori in milioni di Euro) PATRIMONIO NETTO: VARIAZIONI
Patrimonio netto a...
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Presentazione Risultati Primo Trimestre 2015 - Gruppo Banca IFIS

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Presentazione Risultati Primo Trimestre 2015 - Gruppo Banca IFIS

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  2. 2. 2 I RISULTATI IN BREVE (Valori in milioni di Euro) Utile netto 26,2 (24,7 al 31/03/2014) +6,3% Patrimonio 571,9 (437,8 al 31/12/2014) +30,6% Raccolta 7.442,3 (7.742,4 al 31/12/2014) -3,9% Impieghi 2.921,9 (2.814,3 al 31/12/2014) +3,8% KPI DI GRUPPO Dati al 31 marzo 2015 2014 Costo della qualità creditizia 119 b.p. 200 b.p. Book value per share € 10,78 8,27
  3. 3. 3 Settore crediti commerciali Clienti +8,8% vs marzo 2014 Turnover 2,1 mld +29,4% KPI Crediti Commerciali 12 mesi 2015 2014 MDI/ Turnover 1,8% 2,3% MDI/ Impieghi 7,8% 8,4% Dati 31 marzo Crediti Comm. DRL Crediti Fiscali G&S 2015 39,3 7,4 3,9 20,5 2014 37,5 6,6 2,2 23,1 % Change 5,0% 12,5% 80,3% -11,3% MARGINE DI INTERMEDIAZIONE (Valori in milioni di Euro) 71,2 (69,4 nel 1° trim. 2014) +2,6% var.% 1° trim. 2015/2014 55% 10% 6% 29% Breakdown MDI 1Q 2015 Crediti Comm. DRL Crediti Fiscali G&S
  4. 4. 4 RISULTATO NETTO DELLA GESTIONE FINANZIARIA (Valori in milioni di Euro) 65,1 (61,0 nel 1° trim. 2014) +6,8% var. % 1° trim. 2015/2014 Dati 31 marzo Crediti Comm. DRL Crediti Fiscali G&S 2015 33,8 8,9 4,0 18,5 2014 28,3 7,2 2,3 23,1 % Change 19,3% 22,3% 75,1% -20,1% Rettifiche 1Q 2015 Pari a 6,0 vs 8,4 mln nel 1° trim. 2014 KPI Gruppo 1Q 2015 1Q 2014 Costo della qualità creditizia 119 bp 200 bp 0,0% 0,5% 1,0% 1,5% 2,0% 2,5% 3,0% 3,5% 2010 2011 2012 2013 2014 2015 1 trim Costo della qualità creditizia
  5. 5. 5 UTILE NETTO (Valori in milioni di Euro) 26,2 (24,7 nel 1° trim. 2014) +6,3% var% 2015/2014 Margine Intermediazione Rettifiche Costi Operativi Tasse Utile Netto 71,2 6,1 25,6 13,3 26,2 KPI Gruppo 1° trim. 2015 2014 Costo qualità del credito 119 bp 200 bp Tax Rate 33,7% 34,5%
  6. 6. 6 STATO PATRIMONIALE - IMPIEGHI (Valori in milioni di Euro) Var. % 31.03.2015 vs 31.12.2014 Totale attivo 8.242,6 crediti verso banche 115,7 -57,9% altre attività finanziarie (AFS) 5.069,8 +1.983,5% crediti verso la clientela 2.921,9 +3,8% di cui 2.491,3 CC 149,0 DRL 123,8 Cred. Fisc. 157,8 G&S Portafoglio Titoli di Debito Italia 5.066,7 61,6% 35,4% 1,4% 1,6% Attività Finanziarie Crediti verso clientela Crediti verso banche Altre poste dell'attivo
  7. 7. 7 QUALITA’ DEL CREDITO Crediti commerciali: 2.491,3 +1,5% (Valori in milioni di Euro) Var. % 31.03.2015 vs 31.12.2014 % sofferenze/ totale crediti commerciali: 1,3% (31/03/2015) vs 1,3% (31/12/2014) % attività deteriorate cred. comm/ patrimonio netto 19,5% (31/03/2015) vs 25,7% (31/12/2014) % attività deteriorate/ crediti commerciali: 4,5% (31/03/2015) vs 4,6% (31/12/2014) Coverage ratio sofferenze 86,6% a marzo 2015 vs 86,4% a dicembre 2014 0 10 20 30 40 50 Sofferenze Inadempienze probabili Scadute 2015 2014 2015 2015 2015 2014 2014 Valori netti 2014
  8. 8. 8 rendimax e contomax 3.071,9 -7,3% Totale della raccolta 7.442,4 -3,9% raccolta wholesale 4.097,7 PCT +96,7% raccolta wholesale 201,0 debiti vs banche -91,1% STATO PATRIMONIALE - RACCOLTA (Valori in milioni di Euro) Var. % 31.03.2015 vs 31.12.2014
  9. 9. 9 PORTAFOGLIO TITOLI DI DEBITO al 31/3/2015 Entro dicembre 2015 da gennaio a dicembre 2016 da gennaio a dicembre 2017 da gennaio a dicembre 2018 Totale Totale 2.076,0 777,1 736,3 1.477,3 5.066,7 % sul totale 41,0% 15,3% 14,5% 29,2% 100% (Valori in milioni di Euro) Contabilizzato a Fair value
  10. 10. 10 PORTAFOGLIO TITOLI al 27 aprile 2015 Entro dicembre 2015 da gennaio a dicembre 2016 da gennaio a dicembre 2017 da gennaio a dicembre 2018 da gennaio a dicembre 2019 da gennaio a dicembre 2020 Totale Totale 2.013,0 735,5 - 1.280,0 650,0 190,0 4.868,5 % sul totale 41,3% 15,1% 0,0% 26,3% 13,4% 3,9% 100% (Valori in milioni di Euro) Valore Nominale • Negli scorsi giorni la Banca ha ristrutturato il portafoglio governativo • Ha realizzato una plusvalenza di circa 120 milioni di euro ante imposte • Ha ricostituito un portafoglio titoli per lo stesso ammontare ma con massima scadenza 2020
  11. 11. 11 GRUPPO BANCA IFIS: DINAMICHE DEL PATRIMONIO (Valori in milioni di Euro) PATRIMONIO NETTO: VARIAZIONI Patrimonio netto al 31.12.2014 437,8 Incrementi: 134,1 Utile del periodo 26,2 Vendita azioni proprie 2,5 Variazione riserva da valutazione 105,3 Altre variazioni 0,1 Patrimonio netto al 31.03.2015 571,9 KPI DI GRUPPO 2015 2014 31 marzo* 31 dic Ratio – Capitale Primario di Classe1 13,94 13,89% Ratio – Capitale di Classe1 14,23 13,98% Ratio Totale Fondi Propri 14,62 14,21%

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