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Relazione Finanziaria Semestrale Consolidata

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Relazione Finanziaria Semestrale Consolidata Relazione finanziaria semestrale consolidata 30 giugno 2020 Relazione finanziaria semestrale consolidata al 30 giugno 2020 2 ___________________________________________________________________________________________________________________________________________ Banco BPM S.p.A. Sede Legale: Piazza F. Meda, 4 - 20121 Milano Sede Amministrativa: Piazza Nogara, 2 - 37121 Verona Capitale sociale al 30 giugno 2020: euro 7.100.000.00,00 i.v. Codice fiscale e Iscrizione al Registro delle Imprese di Milano: 09722490969 Società rappresentante del Gruppo IVA Banco BPM, partita IVA 10537050964 Aderente al Fondo Interbancario di Tutela dei Depositi ed al Fondo Nazionale di Garanzia Capogruppo del Gruppo Bancario Banco BPM Iscritto all’Albo delle Banche della Banca d’Italia e all’Albo dei Gruppi Bancari ___________________________________________________________________________________________________________________________________________ 3 CARICHE SOCIALI E SOCIETÀ DI REVISIONE AL 30 GIUGNO 2020 Consiglio di Amministrazione Presidente Massimo Tononi Vice Presidente Mauro Paoloni Amministratore Delegato Giuseppe Castagna Consiglieri Mario Anolli Maurizio Comoli Nadine Farida Faruque Carlo Frascarolo Alberto Manenti Marina Mantelli Giulio Pedrollo Eugenio Rossetti Manuela Soffientini Luigia Tauro Costanza Torricelli Giovanna Zanotti Collegio Sindacale Presidente Marcello Priori Sindaci Effettivi Maurizio Lauri Maria Luisa Mosconi Alfonso Sonato Nadia Valenti Sindaci Supplenti Fulvia Astolfi Gabriele Camillo Erba Wilmo Carlo Ferrari Direzione Generale Condirettore Generale Domenico De Angelis Condirettore Generale Salvatore Poloni Dirigente preposto alla redazione dei documenti contabili societari Gianpietro Val Società di Revisione PricewaterhouseCoopers S.p.A. ___________________________________________________________________________________________________________________________________________ 5 INDICE Struttura del Gruppo ..................................................................................................................................... 6 Distribuzione territoriale delle filiali ................................................................................................................ 8 Dati di sintesi e indici economico-finanziari del Gruppo .................................................................................. 10 Relazione intermedia sulla gestione ......................................................................................... 13 Il contesto economico ................................................................................................................................. 14 Fatti di rilievo del periodo ........................................................................................................................... 21 Risultati ..................................................................................................................................................... 26 Dati economici consolidati .................................................................................................................... 27 Dati patrimoniali consolidati .................................................................................................................. 38 Dati delle principali società del Gruppo .................................................................................................. 48 Rating del Gruppo ............................................................................................................................... 48 Evoluzione prevedibile della gestione ........................................................................................................... 50 Bilancio consolidato semestrale abbreviato .............................................................................. 53 Prospetti contabili ...................................................................................................................................... 54 Note illustrative ......................................................................................................................................... 62 Parte A - Politiche contabili .......................................................................................................................... 62 Parte B – Informazioni sullo Stato Patrimoniale consolidato .............................................................................. 92 Parte C – Informazioni sul Conto Economico consolidato .............................................................................. 133 Parte E – Informazioni sui rischi e sulle relative politiche di copertura.............................................................. 140 Parte G – Operazioni di aggregazione riguardanti imprese o ramo d’azienda ................................................ 160 Parte H – Operazioni con parti correlate .................................................................................................... 161 Parte I – Accordi di pagamento basati su propri strumenti patrimoniali ........................................................... 165 Parte L – Informativa di settore ................................................................................................................... 170 Attestazione del bilancio consolidato semestrale abbreviato ai sensi dell’art. 81-ter del Regolamento Consob n. 11971 del 14 maggio 1999 e successive modifiche e integrazioni .... 177 Relazione della Società di Revisione ....................................................................................... 181 Allegati .................................................................................................................................. 185 6 STRUTTURA DEL GRUPPO: PRINCIPALI SOCIETÀ BANCO BPM S.p.A. Bipielle Banca Aletti Banca Akros Vera Vita Release Real Estate 100% 100% 35% 85,39% 100% Vera Tecmarket Assicurazioni Servizi 35% 100% Bipiemme Vita ProFamily 19% 100% Agos Ducato Etica SGR 39% 19,44% Alba Leasing 39,19% SelmaBipiemme Leasing 40% Factorit 39,5% CF Liberty Servicing 30% Anima Holding S.p.A. 19,385% 7 STRUTTURA DEL GRUPPO: BUSINESS LINE Retail Corporate Istituzionale Investment Partnership Corporate Private Leasing Banking Strategiche Center Società Banco BPM Banco BPM Banca Aletti Banca Akros Banco BPM collegate PORTAFOGLIO EX-ITALEASE - Vera Assicurazioni Funzioni di Gruppo: - Vera Vita - Finanza di Gruppo Release - Bipiemme Vita - Agos Ducato - Alba Leasing ProFamily - SelmaBipiemme Leasing - Factorit - CF Liberty Servicing Banche Estere - Anima Holding Società di servizio e immobiliari - Bipielle Real Estate - Tecmarket Servizi Società collegate - Etica SGR 8 DISTRIBUZIONE TERRITORIALE DELLE FILIALI 11 9 5 664 212 210 185 88 168 1 6 1 99 5 36 43 2 1 1 61 N° SPORTELLI NORD 1.384 CENTRO 274 SUD E ISOLE 150 Totale 1.808 ___________________________________________________________________________________________________________________________________________ 9 Filiali italiane del Gruppo Banco BPM Numero Banco BPM 1.752 Banca Aletti 55 Banca Akros 1 Totale 1.808 Presenza all’estero Il Gruppo è presente all’estero con la società controllata Banca Aletti Suisse e tramite Uffici di Rappresentanza in Cina (Hong Kong) e India (Mumbai). 10 ___________________________________________________________________________________________________________________________________________ Dati di sintesi e indici economico-finanziari del Gruppo Dati di sintesi Di seguito vengono riportati i dati di sintesi e i principali indici del Gruppo, calcolati sulla base dei prospetti contabili riclassificati, le cui modalità di costruzione sono illustrate nella sezione “Risultati” della presente Relazione. (milioni di euro) I sem. 2020 I sem. 2019 (*) Variaz. Dati economici Margine finanziario 1.023,9 1.080,7 (5,3%) Commissioni nette 816,9 888,2 (8,0%) Proventi operativi 1.996,5 2.094,0 (4,7%) Oneri operativi (1.248,7) (1.305,1) (4,3%) Risultato della gestione operativa 747,8 788,9 (5,2%) Risultato dell'operatività corrente al lordo delle imposte 250,4 743,7 (66,3%) Risultato del periodo di pertinenza della Capogruppo 105,2 603,0 (82,5%) (*) I dati del periodo precedente sono stati rideterminati tenendo conto del nuovo criterio di valutazione degli immobili. (milioni di euro) 30/06/2020 31/12/2019 Variaz. Dati patrimoniali Totale dell'attivo 179.415,4 167.038,2 7,4% Finanziamenti verso clientela (netti) 108.388,6 105.845,5 2,4% Attività finanziarie e derivati di copertura 43.885,5 37.069,1 18,4% Patrimonio netto del Gruppo 12.210,8 11.861,0 2,9% Attività finanziarie della clientela Raccolta diretta 115.233,7 109.506,3 5,2% Raccolta indiretta 91.159,4 92.672,2 (1,6%) - Risparmio gestito 57.847,8 58.324,9 (0,8%) - Fondi comuni e Sicav 38.786,6 39.049,8 (0,7%) - Gestioni patrimoniali mobiliari e in fondi 4.007,1 3.904,4 2,6% - Polizze assicurative 15.054,1 15.370,7 (2,1%) - Risparmio amministrato 33.311,6 34.347,4 (3,0%) Dati della struttura Numero medio dei dipendenti e altro personale (*) 20.851 21.013 Numero degli sportelli bancari 1.808 1.808 (*) Media ponderata del personale calcolata su base mensile in termini di risorse full time equivalent. Non comprende gli Amministratori e i Sindaci delle Società del Gruppo. ___________________________________________________________________________________________________________________________________________ 11 Indici economici, finanziari e altri dati del Gruppo 30/06/2020 31/12/2019 Indicatori alternativi di performance Indici di redditività (%) Return on equity (ROE) annualizzato
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