The excellent performances over the last 10 years are the result of the process, launched in 2003, of in-depth evolution of Mediobanca, which transformed the group from a holding company to a highly specialised financial operator.

(€M) JUN13 JUN14 JUN15 JUN16 JUN17 JUN18 JUN19 JUN20 JUN21 JUN22
NET INTEREST INCOME 1028 1087 1143 1207 1288 1359 1396 1442 1415 1479
NET TREASURY INCOME 200 45 207 133 121 157 197 136 197 162
NET FEE INCOME 410 424 472 450 523 622 611 630 745 851
EQUITY-ACCOUNTED COMPANIES -10 264 224 257 264 280 321 304 272 359
TOTAL INCOME 1628 1819 2045 2047 2196 2419 2525 2513 2628 2851
OPERATING COSTS -752 -791 -847 -892 -1024 -1115 -1162 -1189 -1238 -1312
LOAN LOSS PROVISIONS -507 -736 -533 -419 -317 -247 -223 -375 -249 -243
OPERATING PROFIT 370 292 666 736 855 1057 1140 949 1142 1296
OTHER INCOME (LOSSES) -392 209 92 1 59 39 -56 -154 -37 -127
PROFIT BEFORE TAX -23 501 757 736 914 1096 1084 795 1104 1169
NET PROFIT -176 465 590 605 750 864 823 600 808 907
(€M) JUN.13 JUN.14 JUN.15 JUN.16 JUN.17 JUN.18 JUN.19 JUN.20 JUN.21 JUN.22
NET INTEREST INCOME 1028 1087 1143 1207 1288 1359 1396 1442 1415 1479
NET TREASURY INCOME 200 45 207 133 121 157 197 136 197 162
NET FEE INCOME 410 424 472 450 523 622 611 630 745 851
EQUITY-ACCOUNTED COMPANIES -10 264 224 257 264 280 321 304 272 359
TOTAL INCOME 1628 1819 2045 2047 2196 2419 2525 2513 2628 2851
OPERATING COSTS -752 -791 -847 -892 -1024 -1115 -1162 -1189 -1238 -1312
LOAN LOSS PROVISIONS -507 -736 -533 -419 -317 -247 -223 -375 -249 -243
OPERATING PROFIT 370 292 666 736 855 1057 1140 949 1142 1296
OTHER INCOME (LOSSES) -392 209 92 1 59 39 -56 -154 -37 -127
PROFIT BEFORE TAX -23 501 757 736 914 1096 1084 795 1104 1169
NET PROFIT -176 465 590 605 750 864 823 600 808 907

   

0 JUN13 JUN14 JUN15 JUN16 JUN17 JUN18 JUN19 JUN20 JUN21 JUN22
TREASURY, AFS AND HTM 21743 19789 14777 16322 16455 13327 12734 13760 14418 16685
EQUITY INVESTMENTS 2587 2871 3411 3163 3037 3211 3260 3205 3703 3158
LOANS TO CUSTOMERS 33455 30552 32890 34739 38191 41128 44394 46685 48414 51701
FUNDING 51288 45834 42711 46658 49121 46893 51393 54917 56156 61169
SHAREHOLDERS’ EQUITY 7017 7373 8169 8922 9192 9732 9899 9740 11101 10749
RWAS 52373 58744 59577 53862 52709 47363 46310 48030 47159 50378
NO. OF STAFF 3505 3570 3790 4036 4798 4717 4805 4920 4921 5016
CT1 RATIO (%) 11,7 11,1 12 12,1 13,3 14,2 14,1 16,1 16,3 15,7
COST/INCOME RATIO (%) 46 43 41 44 47 46 46 47 47 46
COST OF RISK (BPS) 145 230 168 124 87 62 52 82 52 48
  JUN.13 JUN.14 JUN.15 JUN.16 JUN.17 JUN.18 JUN.19 JUN.20 JUN.21 JUN.22
TREASURY, AFS AND HTM 21743 19789 14777 16322 16455 13327 12734 13760 14418 16685
EQUITY INVESTMENTS 2587 2871 3411 3163 3037 3211 3260 3205 3703 3158
LOANS TO CUSTOMERS 33455 30552 32890 34739 38191 41128 44394 46685 48414 51701
FUNDING 51288 45834 42711 46658 49121 46893 51393 54917 56156 61169
SHAREHOLDERS’ EQUITY 7017 7373 8169 8922 9192 9732 9899 9740 11101 10749
RWAS 52373 58744 59577 53862 52709 47363 46310 48030 47159 50378
NO. OF STAFF 3505 3570 3790 4036 4798 4717 4805 4920 4921 5016
CT1 RATIO (%) 11,7 11,1 12 12,1 13,3 14,2 14,1 16,1 16,3 15,7
COST/INCOME RATIO (%) 46 43 41 44 47 46 46 47 47 46
COST OF RISK (BPS) 145 230 168 124 87 62 52 82 52 48
  • Net interest income, stably grown and diversified in last decade, representing ~52% of total income, fee income ~30%, principal investing (AG) and trading ~14%
  • Corporate / Retail diversification substantially improved: retail business up to >62% of Group revenues
  • Fee income contribution up from 24% to 30% of total revenue due to Wealth Management development

Retail includes mortgages, private banking and consumer banking – Corporate includes wholesale and leasing % calculated on divisional figures, gross of intercompany

P20 RicaviGruppo EN
  • Since the creation of the Wealth Management division in 2016 TFAs has doubled from 32bn to 80bn
  • Capital-light revenues1 as well doubled and now account for >32% of Group revenues
  • Loan book has grown steadily reaching €52bn with lower density (RWA/Total asset) due to ongoing capital absorption optimization

Loan book: Retail includes mortgages, consumer banking and private banking – Corporate includes wholesale and leasing
Funding: Retail includes CheBanca! and Private banking deposits, MB bond placed to retail investors - Institutional includes MB bonds placed to institutional investors, interbank, ECB and other items

P21 EvoluzioneStrutturaPatrimoniale EN
  • Since the creation of the Wealth Management division in 2016 TFAs has doubled from 32bn to 71bn (5YCAGR: +18%)
  • Capital-light revenues1 as well doubled and now account for >30% of Group revenues
  • Loan book has grown steadily reaching €50bn (5YCAGR: +7%) with lower density (RWA/Total asset) due to ongoing capital absorption optimization

1) K-light revenues: WM revenues (NII+Fees) + CIB fees (excl. Lending and Specialty Finance)

P22 ImpieghiPerDivisione EN
P22 Indici EN

Il tuo browser non è aggiornato!

Aggiornalo per vedere questo sito correttamente.

IT’S TO SAVE ENERGY!

This screen means your monitor consumes less energy when your computer is idle

Just move your mouse to start browsing again