These are our key details and figures, collected in our last presentation of results:

January - March Change
€ million / % 2023 2022
PROFIT/(LOSS)
Net interest income 2,163 1,455 48.6 %
Net fee and commission income 937 936  0.1 %
Core income 3,449 2,646 30.4 %
Gross income 3,101 2,658 16.7 %
Recurring administrative expenses, depreciation and amortisation (1,440) (1,406)  2.4 %
Pre-impairment income 1,659 1,244 33.4 %
Pre-impairment income stripping out extraordinary expenses 1,662 1,252 32.8 %
Profit/(loss) attributable to the Group 855 706 21.1 %
MAIN RATIOS (Last 12 months)
Cost-to-income ratio 48.6 %  76.4 % (27.8)
Cost-to-income ratio stripping out extraordinary expenses
 48.2 % 57.4 % (9.2)
Cost of risk (last 12 months) 0.26 % 0.23 % 0.03
ROE
  8.9 %  6.5 % 2.4
ROTE
 10.5 % 7.6 % 2.9
ROA 0.4 % 0.3 % 0.1
RORWA 1.4 % 1.0 % 0.4

March 2023 December 2022 Change
BALANCE SHEET
Total assets 618,708 598,850  3.3%
Equity 33,034 33,708  (2.0)%
BUSINESS ACTIVITY
Customer funds 614,608 611,300  0.5%
Loans and advances to customers, gross 361,077 361,323 (0.1%)
RISK MANAGEMENT
Non-performing loans (NPL) 10,447 10,690 (243)
Non-performing loan ratio  2.7% 2.7% 0.0
Provisions for insolvency risk 7,921 7,867 53
NPL coverage ratio 76% 74% 2
Net foreclosed available for sale real estate assets 1,826 1,893 (67)
LIQUIDITY
Total Liquid Assets 132,867 139,010 (6,144)
Liquidity Coverage Ratio  192% 194% (2)
Net Stable Funding Ratio (NSFR) 139% 142% (3)
Loan to deposits 92% 91% 1
CAPITAL ADEQUACY
Common Equity Tier 1 (CET1)  12.6%  12.8% (0.2)
Tier 1  15.0% 14.8% 0.2
Total capital  17.8% 17.3% 0.5
MREL 26.2% 25.9% 0.3
Risk-Weighted Assets (RWAs) 215,133 215,103 30
Leverage Ratio 5.6% 5,6% -
SHARE INFORMATION
Share price (€/share) 3,584 3,672 (0.088)
Market capitalisation 26,862 27,520 (657)
Book value per share (€/share) 4.40 4.49 (0.09)
Tangible book value per share (€/share) 3.69 3.77 (0.08)
Net income attributable per share  (€/share) (12 months) 0.43 0.40 0.03
PPER (Price/Profit; times) 8.41 9.18 (0.77)
Tangible PBV (Market value/ book value of tangible assets) 0.97 0.97
OTHER DATA (units)
Employees 44,654 44,625 29
Branches 4,263 4,404 (141)
of which: retail branches in Spain 3,684 3,818 (134)
ATMs 12,780 12,947 (167)