<?xml version="1.0" encoding="utf-8"?>
<linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.xbrl.org/2003/linkbase">
  <roleRef roleURI="http://bper.it/roles/NotesAndMandatoryItems" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#NotesAndMandatoryItems" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://bper.it/roles/ProspettoDellaSituazionePatrimonialeFinanziaria" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#ProspettoDellaSituazionePatrimonialeFinanziaria" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://bper.it/roles/UtileOPerdita" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#UtileOPerdita" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://bper.it/roles/ProspettoDiContoEconomicoComplessivo" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#ProspettoDiContoEconomicoComplessivo" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://bper.it/roles/ProspettoDelleVariazioniDiPatrimonioNetto" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#ProspettoDelleVariazioniDiPatrimonioNetto" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://bper.it/roles/RendicontoFinanziario" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#RendicontoFinanziario" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <presentationLink xlink:role="http://bper.it/roles/NotesAndMandatoryItems" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_NameOfParentEntity" xlink:label="ifrs-full_NameOfParentEntity" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_PrincipalPlaceOfBusiness" xlink:label="ifrs-full_PrincipalPlaceOfBusiness" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_LegalFormOfEntity" xlink:label="ifrs-full_LegalFormOfEntity" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DomicileOfEntity" xlink:label="ifrs-full_DomicileOfEntity" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities" xlink:label="ifrs-full_DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AddressOfRegisteredOfficeOfEntity" xlink:label="ifrs-full_AddressOfRegisteredOfficeOfEntity" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_NameOfUltimateParentOfGroup" xlink:label="ifrs-full_NameOfUltimateParentOfGroup" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_NameOfReportingEntityOrOtherMeansOfIdentification" xlink:label="ifrs-full_NameOfReportingEntityOrOtherMeansOfIdentification" />
    <loc xlink:type="locator" xlink:href="http://www.esma.europa.eu/taxonomy/2020-03-16/esef_cor.xsd#esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:label="esef_cor_NotesAccountingPoliciesAndMandatoryTags" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CountryOfIncorporation" xlink:label="ifrs-full_CountryOfIncorporation" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_AddressOfRegisteredOfficeOfEntity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_NameOfParentEntity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_NameOfUltimateParentOfGroup" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_PrincipalPlaceOfBusiness" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_LegalFormOfEntity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_NameOfReportingEntityOrOtherMeansOfIdentification" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_CountryOfIncorporation" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DomicileOfEntity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://bper.it/roles/ProspettoDellaSituazionePatrimonialeFinanziaria" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DebtSecurities" xlink:label="ifrs-full_DebtSecurities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_InvestmentAccountedForUsingEquityMethod" xlink:label="ifrs-full_InvestmentAccountedForUsingEquityMethod" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss" xlink:label="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CurrentTaxAssets" xlink:label="ifrs-full_CurrentTaxAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:label="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_NoncontrollingInterests" xlink:label="ifrs-full_NoncontrollingInterests" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwners" xlink:label="ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwners" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DeferredTaxAssets" xlink:label="ifrs-full_DeferredTaxAssets" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_EquityInstrument" xlink:label="bperbanca_EquityInstrument" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IntangibleAssetsAndGoodwill" xlink:label="ifrs-full_IntangibleAssetsAndGoodwill" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_Provisions" xlink:label="ifrs-full_Provisions" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_SharePremium" xlink:label="ifrs-full_SharePremium" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:label="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ProfitLossAttributableToOwnersOfParentForThePeriod" xlink:label="bperbanca_ProfitLossAttributableToOwnersOfParentForThePeriod" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:label="ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherAssets" xlink:label="ifrs-full_OtherAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:label="ifrs-full_DerivativeFinancialAssetsHeldForHedging" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_TaxAssets" xlink:label="bperbanca_TaxAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CurrentTaxLiabilities" xlink:label="ifrs-full_CurrentTaxLiabilities" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_OtherProvisionsForRiskAndCharges" xlink:label="bperbanca_OtherProvisionsForRiskAndCharges" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialAssetsAtAmortisedCost" xlink:label="ifrs-full_FinancialAssetsAtAmortisedCost" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_TaxLiabilities" xlink:label="bperbanca_TaxLiabilities" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ProvisionForEmployeeSeverancesPay" xlink:label="bperbanca_ProvisionForEmployeeSeverancesPay" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DepositsFromCustomers" xlink:label="ifrs-full_DepositsFromCustomers" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_TreasuryShares" xlink:label="ifrs-full_TreasuryShares" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ProvisionForCommittmentsAndGuaranteesGiven" xlink:label="bperbanca_ProvisionForCommittmentsAndGuaranteesGiven" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DeferredTaxLiabilities" xlink:label="ifrs-full_DeferredTaxLiabilities" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_OfWhichGoodwill" xlink:label="bperbanca_OfWhichGoodwill" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherLiabilities" xlink:label="ifrs-full_OtherLiabilities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialLiabilitiesAtAmortisedCost" xlink:label="ifrs-full_FinancialLiabilitiesAtAmortisedCost" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_StatementOfFinancialPositionAbstract" xlink:label="ifrs-full_StatementOfFinancialPositionAbstract" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:label="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_TangibleAssets" xlink:label="bperbanca_TangibleAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IssuedCapital" xlink:label="ifrs-full_IssuedCapital" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:label="ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DepositsFromBanks" xlink:label="ifrs-full_DepositsFromBanks" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:label="ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_LoansAndAdvancesToBanks" xlink:label="ifrs-full_LoansAndAdvancesToBanks" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ValuationReserve" xlink:label="bperbanca_ValuationReserve" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_LoansAndAdvancesToCustomers" xlink:label="ifrs-full_LoansAndAdvancesToCustomers" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="ifrs-full_CashAndCashEquivalents" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_PostRetirementBenefitObligation" xlink:label="bperbanca_PostRetirementBenefitObligation" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_EquityAndLiabilities" xlink:label="ifrs-full_EquityAndLiabilities" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_OtherReservesOther" xlink:label="bperbanca_OtherReservesOther" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_Assets" xlink:label="ifrs-full_Assets" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_CashAndCashEquivalents" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialAssetsAtAmortisedCost" order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_LoansAndAdvancesToBanks" order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_LoansAndAdvancesToCustomers" order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DerivativeFinancialAssetsHeldForHedging" order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_InvestmentAccountedForUsingEquityMethod" order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="bperbanca_TangibleAssets" order="34" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_IntangibleAssetsAndGoodwill" order="37" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="bperbanca_OfWhichGoodwill" order="40" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="bperbanca_TaxAssets" order="43" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_CurrentTaxAssets" order="46" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DeferredTaxAssets" order="49" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwners" order="52" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_OtherAssets" order="55" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_Assets" order="58" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialLiabilitiesAtAmortisedCost" order="61" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DepositsFromBanks" order="64" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DepositsFromCustomers" order="67" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DebtSecurities" order="70" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" order="73" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" order="76" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="bperbanca_TaxLiabilities" order="79" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_CurrentTaxLiabilities" order="82" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DeferredTaxLiabilities" order="85" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" order="88" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_OtherLiabilities" order="91" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="bperbanca_ProvisionForEmployeeSeverancesPay" order="94" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_Provisions" order="97" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="bperbanca_ProvisionForCommittmentsAndGuaranteesGiven" order="100" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="bperbanca_PostRetirementBenefitObligation" order="103" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="bperbanca_OtherProvisionsForRiskAndCharges" order="106" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="bperbanca_ValuationReserve" order="109" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="bperbanca_EquityInstrument" order="112" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="bperbanca_OtherReservesOther" order="115" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_SharePremium" order="118" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_IssuedCapital" order="121" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_TreasuryShares" order="124" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_NoncontrollingInterests" order="127" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="bperbanca_ProfitLossAttributableToOwnersOfParentForThePeriod" order="130" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_EquityAndLiabilities" order="133" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
  </presentationLink>
  <presentationLink xlink:role="http://bper.it/roles/UtileOPerdita" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:label="ifrs-full_ProfitLossAttributableToNoncontrollingInterests" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DilutedEarningsLossPerShare" xlink:label="ifrs-full_DilutedEarningsLossPerShare" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GainsLossesFromContractualChangesWithoutDerecognition" xlink:label="bperbanca_GainsLossesFromContractualChangesWithoutDerecognition" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GrossIncome" xlink:label="bperbanca_GrossIncome" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GainsLossesOnTangibleAndIntangibleAssetsOtherThanGoodwillMeasuredAtFairValue" xlink:label="bperbanca_GainsLossesOnTangibleAndIntangibleAssetsOtherThanGoodwillMeasuredAtFairValue" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GainsLossesOnFinancialAssetsLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" xlink:label="bperbanca_GainsLossesOnFinancialAssetsLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_TradingIncomeExpense" xlink:label="ifrs-full_TradingIncomeExpense" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FeeAndCommissionExpense" xlink:label="ifrs-full_FeeAndCommissionExpense" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_NetProvisionsForRisksAndChargesCommitmentsAndFinancialGuaranteesGiven" xlink:label="bperbanca_NetProvisionsForRisksAndChargesCommitmentsAndFinancialGuaranteesGiven" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLoss" xlink:label="ifrs-full_ProfitLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" xlink:label="ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_DepreciationAmortisationAndImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLossTangibleAssets" xlink:label="bperbanca_DepreciationAmortisationAndImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLossTangibleAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncomeStatementAbstract" xlink:label="ifrs-full_IncomeStatementAbstract" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherOperatingIncomeExpense" xlink:label="ifrs-full_OtherOperatingIncomeExpense" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_InterestIncomeAndSimilarRevenues" xlink:label="bperbanca_InterestIncomeAndSimilarRevenues" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_NegativeGoodwill" xlink:label="bperbanca_NegativeGoodwill" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GainLossOnDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:label="bperbanca_GainLossOnDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:label="ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_GainsLossesOnDisposalsOfInvestments" xlink:label="ifrs-full_GainsLossesOnDisposalsOfInvestments" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLossBeforeTax" xlink:label="ifrs-full_ProfitLossBeforeTax" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_InterestExpenseAndSimilarCharges" xlink:label="bperbanca_InterestExpenseAndSimilarCharges" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FeeAndCommissionIncome" xlink:label="ifrs-full_FeeAndCommissionIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_RevenueFromDividends" xlink:label="ifrs-full_RevenueFromDividends" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_DepreciationAmortisationAndImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" xlink:label="bperbanca_DepreciationAmortisationAndImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLossFromContinuingOperations" xlink:label="ifrs-full_ProfitLossFromContinuingOperations" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:label="ifrs-full_ProfitLossAttributableToOwnersOfParent" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIfrs9OnFinancialAssetsAtAmortisedCost" xlink:label="bperbanca_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIfrs9OnFinancialAssetsAtAmortisedCost" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_NetProvisionsForRisksAndChargesOtherNetProvision" xlink:label="bperbanca_NetProvisionsForRisksAndChargesOtherNetProvision" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_OtherAdministrativeExpense" xlink:label="bperbanca_OtherAdministrativeExpense" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_NetInterestMargin" xlink:label="bperbanca_NetInterestMargin" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GoodwillImpairment" xlink:label="bperbanca_GoodwillImpairment" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:label="ifrs-full_IncomeTaxExpenseContinuingOperations" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_NetGainsLossesFromHedgeAccounting" xlink:label="bperbanca_NetGainsLossesFromHedgeAccounting" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_BasicEarningsLossPerShare" xlink:label="ifrs-full_BasicEarningsLossPerShare" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_NetGainsLossesOnOtherFinancialAssetsLiabilitiesAtFairValueThroughProfitOrLoss" xlink:label="bperbanca_NetGainsLossesOnOtherFinancialAssetsLiabilitiesAtFairValueThroughProfitOrLoss" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GainsLossesOnFinancialAssetsLiabilitiesMandatorilyAtFairValueThroughProfitOrLoss" xlink:label="bperbanca_GainsLossesOnFinancialAssetsLiabilitiesMandatorilyAtFairValueThroughProfitOrLoss" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIfrs9OnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:label="bperbanca_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIfrs9OnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_NetProfitFromFinancialActivities" xlink:label="bperbanca_NetProfitFromFinancialActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdministrativeExpense" xlink:label="ifrs-full_AdministrativeExpense" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FeeAndCommissionIncomeExpense" xlink:label="ifrs-full_FeeAndCommissionIncomeExpense" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_OperatingCosts" xlink:label="bperbanca_OperatingCosts" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_AdministrativeExpenseStaffCosts" xlink:label="bperbanca_AdministrativeExpenseStaffCosts" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GainsLossesOnDisposalsAndRepurchaseOfFinancialAssetsAndLiabilities" xlink:label="bperbanca_GainsLossesOnDisposalsAndRepurchaseOfFinancialAssetsAndLiabilities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" xlink:label="ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GainLossArisingFromRepurchaseOfFinancialLiabilities" xlink:label="bperbanca_GainLossArisingFromRepurchaseOfFinancialLiabilities" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_NetProvisionsForRisksAndCharges" xlink:label="bperbanca_NetProvisionsForRisksAndCharges" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GainLossArisingFromDisposalOfFinancialAssetsMeasuredAtAmortisedCost" xlink:label="bperbanca_GainLossArisingFromDisposalOfFinancialAssetsMeasuredAtAmortisedCost" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ProfitLossFromFinancialAndInsuranceActivities" xlink:label="bperbanca_ProfitLossFromFinancialAndInsuranceActivities" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_InterestIncomeAndSimilarRevenues" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_InterestExpenseAndSimilarCharges" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_NetInterestMargin" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_FeeAndCommissionIncome" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_FeeAndCommissionExpense" order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_FeeAndCommissionIncomeExpense" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_RevenueFromDividends" order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_TradingIncomeExpense" order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_NetGainsLossesFromHedgeAccounting" order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_GainsLossesOnDisposalsAndRepurchaseOfFinancialAssetsAndLiabilities" order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_GainLossArisingFromDisposalOfFinancialAssetsMeasuredAtAmortisedCost" order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_GainLossOnDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_GainLossArisingFromRepurchaseOfFinancialLiabilities" order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_NetGainsLossesOnOtherFinancialAssetsLiabilitiesAtFairValueThroughProfitOrLoss" order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_GainsLossesOnFinancialAssetsLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_GainsLossesOnFinancialAssetsLiabilitiesMandatorilyAtFairValueThroughProfitOrLoss" order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_GrossIncome" order="35" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" order="37" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIfrs9OnFinancialAssetsAtAmortisedCost" order="39" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIfrs9OnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" order="41" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_GainsLossesFromContractualChangesWithoutDerecognition" order="43" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_NetProfitFromFinancialActivities" order="45" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_ProfitLossFromFinancialAndInsuranceActivities" order="47" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_AdministrativeExpense" order="49" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_AdministrativeExpenseStaffCosts" order="51" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_OtherAdministrativeExpense" order="53" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_NetProvisionsForRisksAndCharges" order="55" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_NetProvisionsForRisksAndChargesCommitmentsAndFinancialGuaranteesGiven" order="57" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_NetProvisionsForRisksAndChargesOtherNetProvision" order="59" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_DepreciationAmortisationAndImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLossTangibleAssets" order="61" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_DepreciationAmortisationAndImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" order="63" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_OtherOperatingIncomeExpense" order="65" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_OperatingCosts" order="67" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" order="69" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_GainsLossesOnTangibleAndIntangibleAssetsOtherThanGoodwillMeasuredAtFairValue" order="71" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_GoodwillImpairment" order="73" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="bperbanca_NegativeGoodwill" order="75" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_GainsLossesOnDisposalsOfInvestments" order="77" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ProfitLossBeforeTax" order="79" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_IncomeTaxExpenseContinuingOperations" order="81" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ProfitLossFromContinuingOperations" order="83" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ProfitLoss" order="85" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ProfitLossAttributableToNoncontrollingInterests" order="87" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ProfitLossAttributableToOwnersOfParent" order="89" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_BasicEarningsLossPerShare" order="91" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_DilutedEarningsLossPerShare" order="93" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
  </presentationLink>
  <presentationLink xlink:role="http://bper.it/roles/ProspettoDiContoEconomicoComplessivo" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ComprehensiveIncome" xlink:label="ifrs-full_ComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_CashFlowHedging" xlink:label="bperbanca_CashFlowHedging" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherComprehensiveIncome" xlink:label="ifrs-full_OtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLoss" xlink:label="ifrs-full_ProfitLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:label="ifrs-full_StatementOfComprehensiveIncomeAbstract" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:label="ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:label="ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GainsLossesOnFinancialAssetsOtherThanEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" xlink:label="bperbanca_GainsLossesOnFinancialAssetsOtherThanEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:label="ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:label="ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:label="ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:label="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_OtherComprehensiveIncomeNetOfTaxTangibleAssets" xlink:label="bperbanca_OtherComprehensiveIncomeNetOfTaxTangibleAssets" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_ProfitLoss" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="bperbanca_OtherComprehensiveIncomeNetOfTaxTangibleAssets" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="bperbanca_CashFlowHedging" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="bperbanca_GainsLossesOnFinancialAssetsOtherThanEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncome" order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_ComprehensiveIncome" order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://bper.it/roles/ProspettoDelleVariazioniDiPatrimonioNetto" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_OtherSharesMember" xlink:label="bperbanca_OtherSharesMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_NoncontrollingInterestsMember" xlink:label="ifrs-full_NoncontrollingInterestsMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_RestatedMember" xlink:label="ifrs-full_RestatedMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncreaseDecreaseDueToChangesInAccountingPolicyAndCorrectionsOfPriorPeriodErrorsMember" xlink:label="ifrs-full_IncreaseDecreaseDueToChangesInAccountingPolicyAndCorrectionsOfPriorPeriodErrorsMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_EquityMember" xlink:label="ifrs-full_EquityMember" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_IncreaseDecreaseOfReserves" xlink:label="bperbanca_IncreaseDecreaseOfReserves" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncreaseDecreaseThroughTreasuryShareTransactions" xlink:label="ifrs-full_IncreaseDecreaseThroughTreasuryShareTransactions" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_TotalEquity" xlink:label="bperbanca_TotalEquity" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ReservesNotFromProfitNotFromValuationMember" xlink:label="bperbanca_ReservesNotFromProfitNotFromValuationMember" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_IncreaseDecreaseDueToEquityInstruments" xlink:label="bperbanca_IncreaseDecreaseDueToEquityInstruments" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncreaseDecreaseThroughChangesInOwnershipInterestsInSubsidiariesThatDoNotResultInLossOfControl" xlink:label="ifrs-full_IncreaseDecreaseThroughChangesInOwnershipInterestsInSubsidiariesThatDoNotResultInLossOfControl" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ComponentsOfEquityAxis" xlink:label="ifrs-full_ComponentsOfEquityAxis" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_EquityInstrumentsMember" xlink:label="bperbanca_EquityInstrumentsMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_TreasurySharesMember" xlink:label="ifrs-full_TreasurySharesMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis" xlink:label="ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherReservesMember" xlink:label="ifrs-full_OtherReservesMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OrdinarySharesMember" xlink:label="ifrs-full_OrdinarySharesMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_StatementOfChangesInEquityTable" xlink:label="ifrs-full_StatementOfChangesInEquityTable" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ReservesFromProfitMember" xlink:label="bperbanca_ReservesFromProfitMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ComprehensiveIncome" xlink:label="ifrs-full_ComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions" xlink:label="ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ExtraordinaryDividendsDistribution" xlink:label="bperbanca_ExtraordinaryDividendsDistribution" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_NoncontrollingInterestsAtEndOfPeriod" xlink:label="bperbanca_NoncontrollingInterestsAtEndOfPeriod" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IssuedCapitalMember" xlink:label="ifrs-full_IssuedCapitalMember" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ProfitLossMember" xlink:label="bperbanca_ProfitLossMember" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ValuationReservesMember" xlink:label="bperbanca_ValuationReservesMember" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ReservesFromSharePremiumMember" xlink:label="bperbanca_ReservesFromSharePremiumMember" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_IncreaseDecreaseThroughTreasuryShareDerivatives" xlink:label="bperbanca_IncreaseDecreaseThroughTreasuryShareDerivatives" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_StatementOfChangesInEquityAbstract" xlink:label="ifrs-full_StatementOfChangesInEquityAbstract" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_PreviousYearProfitLossAllocationReserves" xlink:label="bperbanca_PreviousYearProfitLossAllocationReserves" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IssueOfEquity" xlink:label="ifrs-full_IssueOfEquity" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_EquityAttributableToOwnersOfParentAtEndOfPeriod" xlink:label="bperbanca_EquityAttributableToOwnersOfParentAtEndOfPeriod" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ClassesOfOrdinarySharesAxis" xlink:label="ifrs-full_ClassesOfOrdinarySharesAxis" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_PreviouslyStatedMember" xlink:label="ifrs-full_PreviouslyStatedMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DividendsPaid" xlink:label="ifrs-full_DividendsPaid" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_StatementOfChangesInEquityLineItems" xlink:label="ifrs-full_StatementOfChangesInEquityLineItems" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:label="ifrs-full_EquityAttributableToOwnersOfParentMember" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityAbstract" xlink:to="ifrs-full_StatementOfChangesInEquityTable" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityTable" xlink:to="ifrs-full_ComponentsOfEquityAxis" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComponentsOfEquityAxis" xlink:to="ifrs-full_EquityMember" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="bperbanca_EquityInstrumentsMember" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="bperbanca_OtherSharesMember" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="bperbanca_ProfitLossMember" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="bperbanca_ReservesFromProfitMember" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="bperbanca_ReservesFromSharePremiumMember" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="bperbanca_ReservesNotFromProfitNotFromValuationMember" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="bperbanca_ValuationReservesMember" order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="ifrs-full_EquityAttributableToOwnersOfParentMember" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="ifrs-full_IssuedCapitalMember" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="ifrs-full_OtherReservesMember" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="ifrs-full_TreasurySharesMember" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="ifrs-full_NoncontrollingInterestsMember" order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="ifrs-full_OrdinarySharesMember" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityTable" xlink:to="ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis" xlink:to="ifrs-full_RestatedMember" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_RestatedMember" xlink:to="ifrs-full_IncreaseDecreaseDueToChangesInAccountingPolicyAndCorrectionsOfPriorPeriodErrorsMember" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_RestatedMember" xlink:to="ifrs-full_PreviouslyStatedMember" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityTable" xlink:to="ifrs-full_ClassesOfOrdinarySharesAxis" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ClassesOfOrdinarySharesAxis" xlink:to="ifrs-full_OrdinarySharesMember" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityAbstract" xlink:to="ifrs-full_StatementOfChangesInEquityLineItems" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="bperbanca_TotalEquity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="bperbanca_PreviousYearProfitLossAllocationReserves" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_DividendsPaid" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="bperbanca_IncreaseDecreaseOfReserves" order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_IssueOfEquity" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_IncreaseDecreaseThroughTreasuryShareTransactions" order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="bperbanca_ExtraordinaryDividendsDistribution" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="bperbanca_IncreaseDecreaseDueToEquityInstruments" order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="bperbanca_IncreaseDecreaseThroughTreasuryShareDerivatives" order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions" order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_IncreaseDecreaseThroughChangesInOwnershipInterestsInSubsidiariesThatDoNotResultInLossOfControl" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_ComprehensiveIncome" order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="bperbanca_EquityAttributableToOwnersOfParentAtEndOfPeriod" order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="bperbanca_NoncontrollingInterestsAtEndOfPeriod" order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://bper.it/roles/RendicontoFinanziario" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_UnpaidDutiesTaxesAndTaxCredits" xlink:label="bperbanca_UnpaidDutiesTaxesAndTaxCredits" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GainLossOnHedgeAccounting" xlink:label="bperbanca_GainLossOnHedgeAccounting" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_GainLossOnFinancialAssetsHeldForTradingAndOnOtherFinancialAssetsLiabilitiesAtFairValueThroughProfitOrLoss" xlink:label="bperbanca_GainLossOnFinancialAssetsHeldForTradingAndOnOtherFinancialAssetsLiabilitiesAtFairValueThroughProfitOrLoss" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_CashFlowsFromUsedInFinancialAssetsClassifiedAsOperatingActivities" xlink:label="bperbanca_CashFlowsFromUsedInFinancialAssetsClassifiedAsOperatingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges" xlink:label="ifrs-full_IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges" xlink:label="ifrs-full_IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges_Standard" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_CashFlowsFromInvestingActivities" xlink:label="bperbanca_CashFlowsFromInvestingActivities" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesAtAmortisedCost" xlink:label="bperbanca_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesAtAmortisedCost" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_CashFlowsFromIncreaseDecreaseOfOtherLiabilities" xlink:label="bperbanca_CashFlowsFromIncreaseDecreaseOfOtherLiabilities" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_LiquidityGeneratedAbsorbedByOtherAssets" xlink:label="bperbanca_LiquidityGeneratedAbsorbedByOtherAssets" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_AdjustmentsForDecreaseIncreaseInFinancialAssetsDesignatedAtFairValue" xlink:label="bperbanca_AdjustmentsForDecreaseIncreaseInFinancialAssetsDesignatedAtFairValue" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:label="ifrs-full_DividendsPaidClassifiedAsFinancingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_StatementOfCashFlowsAbstract" xlink:label="ifrs-full_StatementOfCashFlowsAbstract" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost" xlink:label="bperbanca_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInFinancingActivities" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_ProceedsFromSalesOfTangibleAssetsClassifiedAsInvestingActivities" xlink:label="bperbanca_ProceedsFromSalesOfTangibleAssetsClassifiedAsInvestingActivities" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_NetValueAdjustmentsWriteBacksOnTangibleAndIntangibleAssets" xlink:label="bperbanca_NetValueAdjustmentsWriteBacksOnTangibleAndIntangibleAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:label="ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_PurchaseOfTangibleAssetsClassifiedAsInvestingActivities" xlink:label="bperbanca_PurchaseOfTangibleAssetsClassifiedAsInvestingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherCashPaymentsToAcquireEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities" xlink:label="ifrs-full_OtherCashPaymentsToAcquireEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_OtherInflowsOutflowsFromIssuePurchaseOfTreasuryShares" xlink:label="bperbanca_OtherInflowsOutflowsFromIssuePurchaseOfTreasuryShares" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:label="ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:label="ifrs-full_ProfitLossAttributableToOwnersOfParent" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_NetProvisionsForRisksAndChargesAndOtherExpensesIncome" xlink:label="bperbanca_NetProvisionsForRisksAndChargesAndOtherExpensesIncome" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_NetLossesRecoveriesOnCreditImpairment" xlink:label="bperbanca_NetLossesRecoveriesOnCreditImpairment" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_CashFlowsFromUsedInFinancialLiabilitiesClassifiedAsOperatingActivities" xlink:label="bperbanca_CashFlowsFromUsedInFinancialLiabilitiesClassifiedAsOperatingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherCashReceiptsFromSalesOfEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities" xlink:label="ifrs-full_OtherCashReceiptsFromSalesOfEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashFlowsFromUsedInOperations" xlink:label="ifrs-full_CashFlowsFromUsedInOperations" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="ifrs-full_CashAndCashEquivalents" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="ifrs-full_CashAndCashEquivalents_PeriodEnd" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInInvestingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherAdjustmentsToReconcileProfitLoss" xlink:label="ifrs-full_OtherAdjustmentsToReconcileProfitLoss" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_CashFlowsUsedInInvestingActivities" xlink:label="bperbanca_CashFlowsUsedInInvestingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:label="ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsMandatorilyAtFairValue" xlink:label="bperbanca_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsMandatorilyAtFairValue" />
    <loc xlink:type="locator" xlink:href="n747oi7jinv7ruuh6190-2021-12-31.xsd#bperbanca_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:label="bperbanca_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInOperations" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_ProfitLossAttributableToOwnersOfParent" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_GainLossOnFinancialAssetsHeldForTradingAndOnOtherFinancialAssetsLiabilitiesAtFairValueThroughProfitOrLoss" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_GainLossOnHedgeAccounting" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_NetLossesRecoveriesOnCreditImpairment" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_NetValueAdjustmentsWriteBacksOnTangibleAndIntangibleAssets" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_NetProvisionsForRisksAndChargesAndOtherExpensesIncome" order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_UnpaidDutiesTaxesAndTaxCredits" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_OtherAdjustmentsToReconcileProfitLoss" order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_CashFlowsFromUsedInFinancialAssetsClassifiedAsOperatingActivities" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_AdjustmentsForDecreaseIncreaseInFinancialAssetsDesignatedAtFairValue" order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsMandatorilyAtFairValue" order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost" order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_LiquidityGeneratedAbsorbedByOtherAssets" order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_CashFlowsFromUsedInFinancialLiabilitiesClassifiedAsOperatingActivities" order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesAtAmortisedCost" order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_CashFlowsFromIncreaseDecreaseOfOtherLiabilities" order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInOperatingActivities" order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_CashFlowsFromInvestingActivities" order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_OtherCashReceiptsFromSalesOfEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities" order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_ProceedsFromSalesOfTangibleAssetsClassifiedAsInvestingActivities" order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_CashFlowsUsedInInvestingActivities" order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_OtherCashPaymentsToAcquireEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities" order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_PurchaseOfTangibleAssetsClassifiedAsInvestingActivities" order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInInvestingActivities" order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="bperbanca_OtherInflowsOutflowsFromIssuePurchaseOfTreasuryShares" order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_DividendsPaidClassifiedAsFinancingActivities" order="32" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInFinancingActivities" order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges" order="34" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashAndCashEquivalents" order="35" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges_Standard" order="37" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" order="39" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashAndCashEquivalents_PeriodEnd" order="41" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
  </presentationLink>
</linkbase>