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GRUPPO BANCA IFIS : RISULTATI 2012                                     1
I RISULTATI IN BREVE(Valori in milioni di Euro)                 Utile netto 78,1                              (26,5 in 201...
MARGINE DI INTERMEDIAZIONE(Valori in milioni di Euro)                                                                     ...
RISULTATO NETTO DELLA GESTIONE FINANZIARIA(Valori in milioni di Euro)                                                     ...
UTILE NETTO(Valori in milioni di Euro)                                                                       KPI Gruppo   ...
STATO PATRIMONIALE - IMPIEGHI(Valori in milioni di Euro)crediti verso la clientela                                   di cu...
QUALITA’ DEL CREDITO(Valori in milioni di Euro)                                                                           ...
PORTAFOGLIO TITOLI DI DEBITO(Valori in milioni di Euro)                                 fino a 3        da 3 mesi      da ...
STATO PATRIMONIALE - RACCOLTA(Valori in milioni di Euro)rendimax conto deposito                                  Totale de...
GRUPPO BANCA IFIS: DINAMICHE DEL PATRIMONIO(Valori in milioni di Euro)                  PATRIMONIO NETTO: VARIAZIONI      ...
GRUPPO BANCA IFIS: SOMMARIO• Salto dimensionale della Banca.• Rafforzati tutti e 3 i pilastri della Banca: redditività, li...
GRUPPO BANCA IFIS: PROSPETTIVE 2013• Positivo trend dell’operatività a favore delle imprese: obiettivo crescere rapidament...
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Presentazione dei risultati del bilancio 2012

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L'anno migliore per i 3 pilastri di Banca IFIS: redditività, liquidità, patrimonio. Proposto all’Assemblea un dividendo di 0,37 euro per azione.
“Per Banca IFIS il 2012 è stato un anno di miglioramento dimensionale ed organizzativo molto importante. La redditività è stata eccellente in presenza di una liquidità abbondante sostenuta da una dotazione patrimoniale crescente e sempre adeguata” commenta il Presidente, Sebastien von Furstenberg. “L’anno alle spalle è da ricordare soprattutto per ciò che il Gruppo ha progettato e realizzato, per le idee e le scelte corrette che ha saputo elaborare in risposta al deterioramento dell’economia, per la capacità delle persone che hanno profuso energia e professionalità, intelligenza e volontà.”

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Presentazione dei risultati del bilancio 2012

  1. 1. GRUPPO BANCA IFIS : RISULTATI 2012 1
  2. 2. I RISULTATI IN BREVE(Valori in milioni di Euro) Utile netto 78,1 (26,5 in 2011) +194,2% Patrimonio 309,0 (196,3 in 2011) +57,4% Raccolta 7.676,3 (3.659,0 in 2011) +109,8% KPI DI GRUPPO 2012 2011 ROE 35,6% 12,6% Costo della qualità creditizia 3,0% 1,9% Cost/income ratio 27,9% 39,1% Solvency 12,7% 10,8% Core Tier 1 12,9% 11,2% Book value per share 5,77 3,72 EPS 1,46 0,51 2
  3. 3. MARGINE DI INTERMEDIAZIONE(Valori in milioni di Euro) Settore crediti commerciali Clienti +20% Turnover 4.941,5 +6,4% 244,9 (121,5 in 2011) Focus su micro imprese +101,7% Var % 2012 / 2011 KPI Crediti Commerciali 2012 2011 MdI/Turnover 2,3% 1,6% * NPL 2011 dall’ 1/7 Cred. Cred. NPL* G&S Comm. Fisc. Breakdown MDI 2012 2011 73,8 8,6 2,7 36,3 2012 114,3 18,6 3,8 108,3 G&S Var. 40,4 10,0 1,1 72,0 47% 44% Cred. Fisc. NPL Var. % 54,8% 116,0% 39,7% 198,3% Cred.Comm.IV Q 2012 35,2 5,4 1,7 35,0 8% 1%Var.% IV Q 12/11 47,7% 13,6% -17,2% 398,5% 3
  4. 4. RISULTATO NETTO DELLA GESTIONE FINANZIARIA(Valori in milioni di Euro) Rettifiche di valore Pari a 53,7 vs 32,1 nel 2011 (4° trimestre 26,2 in 2012 vs 13,2 191,2 (89,3 in 2011) in 2011) +114,0% Var. % 2012 / 2011 KPI Gruppo 2012 2011 Costo della qualità 3,0% 1,9% creditizia Cred. Cred. * NPL 2011 dall’ 1/7 NPL* G&S Comm. Fisc. 2011 43,3 8,0 1,7 36,3 Costo della qualità creditizia 4% 2012 69,2 16,6 3,5 101,9 3% Var. 25,9 8,6 1,8 65,6 3% 2% Var. % 59,7% 107,5% 108,0% 180,6% 2% 1%IV Q 2012 14,8 3,6 1,5 31,2 1%Var.% IV Q 12/11 27,1% -25,1% 52,9% 344,8% 0% 2009 2010 2011 2012 4
  5. 5. UTILE NETTO(Valori in milioni di Euro) KPI Gruppo 2012 2011 Costo della 78,1 3,0% 1,9% qualità creditizia (26,5 in 2011) Cost/income ratio 27,9% 39,1% +194,2% Var. % 2012 / 2011 Tax Rate 36,4% 36,6% 244,9 53,7 KPI settore crediti 2012 2011 68,4 commerciali MDI/Impieghi 6,4% 4,8% 44,7 Rettifiche/Impieghi 2,5% 2,0% 78,1 MDI rettifiche di costi imposte UTILE valore operativi 5
  6. 6. STATO PATRIMONIALE - IMPIEGHI(Valori in milioni di Euro)crediti verso la clientela di cui 104,0 NPL Totale attivo2.292,3 +33,1% 83,2 Cred. Var.% 2012 / 2011 Fisc. 8.124,1altre attività finanziarie (AFS + HTM + L&R)5.140,1 Portafoglio Titoli di Stato Italia 7% 2% 5.008,2 28% 63%crediti verso le banche Attività finanziarie545,5 +72,7% Crediti verso clientela Crediti verso Var.% 2012 / 2011 Banche Altre attività 6
  7. 7. QUALITA’ DEL CREDITO(Valori in milioni di Euro) Discontinuità:crediti verso la clientela da 1/1/2012 max 90gg non più 180gg per definire2.292,3 +33,1% scadute le esposizioni Var.% 2012 / 2011 Incidenza attività deteriorate/ totale crediti netti: Attività deteriorate 19,2% vs 16,1% (20,5% a 440 450 criteri omogenei) 400 350 Incidenza sofferenze/ totale 300 279 crediti netti: 250 204 5,0% vs 4,3% 200 158 150 115 113 100 74 Incidenza incagli / totale 42 50 4 8 crediti netti 0 8,9% vs 9,2% Sofferenze Incagli Ristrutturate Scadute Totale 31/12/2011 31/12/2012 7
  8. 8. PORTAFOGLIO TITOLI DI DEBITO(Valori in milioni di Euro) fino a 3 da 3 mesi da 6 mesi da 1 anno da 2 anni Totale mesi a 6 mesi a 1 anno a 2 anni a 5 anni Totale 204,4 553,6 1.068,6 1.902,4 1.411,2 5.140,1 % sul totale 4,0% 10,8% 20,8% 36,9% 27,5% 100,0% Composizione 31.12.2012 31.12.2011 Var.% Attività finanziarie disponibili per la vendita 1.961,6 1.670,9 17,4% Attività finanziarie detenute sino a scadenza 3.120,4 - n.a Crediti verso banche - titoli obbligazionari 58,1 110,8 -47,5% Attività finanziarie detenute per la negoziazione - 0,2 n.s. Totale titoli in portafoglio 5.140,1 1.781,9 188,5% 8
  9. 9. STATO PATRIMONIALE - RACCOLTA(Valori in milioni di Euro)rendimax conto deposito Totale della3.046,2 +95,8% raccolta Var. % 2012/ 2011 7.676,3 +109,8% Var.% 2012/2011raccolta wholesale557,3 debiti vs banche -72,2% Var.% 2012 / 2011raccolta wholesale 40% 60%4.039,3 PCTcon sottostante Titoli di Stato e controparte Cassa di RetailCompensazione e Garanzia Wholesale 9
  10. 10. GRUPPO BANCA IFIS: DINAMICHE DEL PATRIMONIO(Valori in milioni di Euro) PATRIMONIO NETTO: VARIAZIONI Patrimonio netto al 31.12.2011 196,3 Incrementi: 130,4 Utile del periodo 78,1 Vendita/attribuzione propri strumenti 7,7 Variazione riserva da valutazione: 44,6 - titoli AFS 42,2 - differenze di cambio 2,4 Decrementi: (17,7) Dividendi distribuiti (13,4) Acquisto propri strumenti (4,2) Patrimonio netto al 31.12.2012 309,0 10
  11. 11. GRUPPO BANCA IFIS: SOMMARIO• Salto dimensionale della Banca.• Rafforzati tutti e 3 i pilastri della Banca: redditività, liquidità, patrimonio.• Ottima capacità di reazione al deterioramento del contesto economico.• Dimensione significativa del portafoglio titoli.• Eccellente andamento del conto deposito rendimax. 11
  12. 12. GRUPPO BANCA IFIS: PROSPETTIVE 2013• Positivo trend dell’operatività a favore delle imprese: obiettivo crescere rapidamente tra i primi cinque player del mercato nazionale.• Alta attenzione verso la qualità del credito.• Capacità di creare buoni margini grazie alla alta flessibilità del modello di business .• Divisione NPL: nuovi strumenti e processi e ricerca di soluzioni sostenibili per le famiglie debitrici. 12

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