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| 2018 - Main indicators and ratios | |
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Data refer to UBI Banca Group and include consolidation of the New Banks acquired on 10th May 2017 (the acquisition is effective from 1st April 2017).
2018 financial year implements first time adoption of IFRS 9 and follows the schemes set out in the 5th update (dated 22/12/2017), of Bank of Italy Circular No. 262/2005, which became applicable as from 1/1/2018.
| UBI Banca Group - Reclassified consolidated balance sheet data (millions of euro) |
| ROTE (annualised) | 5.7% | 3.9% | 5.8% | 6.2% |
Net impairment losses on loans/net loans to customers* (annualised) | 0.72% | 0.57% | 0.57% | 0.51% |
Leverage** | 16.5 | 17.0 | 17.1 | 16.3 |
* At amortised cost.
** Leverage = (tangible assets)/(tangible equity + non controlling interests + net result for the year)
| UBI Banca Group - Capital Ratios (phased-in) |
Common Equity Tier 1 | 11.70% | 11.79% | 11.78% | 12.00% |
Tier 1 | 11.70% | 11.79% | 11.78% | 12.00% |
Total Capital | 13.80% | 14.25% | 14.13% | 14.47% |
| UBI Banca Group - Risk Ratios |
Net Bad Loans (Sofferenze)/ Net Loans to Customers* | 3.11% | 3.18% | 3.80% | 3.82% |
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