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

January - June Change 2Q21 Quarter-on-quarter
€ million / % 2021 2020
PROFIT/(LOSS)
Net interest income 2,827 2,425 16.6% 1,636 37.4%
Net fee and commission income 1,640 1,266 29.5% 981 48.9%
Core income 4,899 4,064

20.6%

2,833 

37.1%
Gross income 4,883 4,117 18.6% 2,820  36.7%
Recurring administrative expenses, depreciation and amortisation (2,747)   (2,345) 17.1% (1,598) 39.1%
Pre-impairment income 166 1,772 (90.7%) (708) -
Pre-impairment income stripping out extraordinary expenses 2,136 1,772 20.5% 1,222 33.7%
Profit/(loss) attributable to the Group 4,181   205 - (605) -
Profit/(loss) attributable to the Group ex M&A impacts

1,278

  205

- 764 48.6%
MAIN RATIOS (Last 12 months)
Cost-to-income ratio 75.8% 56.9% 18.9 75.8% 21.8
Cost-to-income ratio stripping out extraordinary expenses 54.3% 56.9% (2.6) 54.3% 0.8
Cost of risk1 (last 12 months) 0.31% 0.61% (0.30) 0.31% (0.30)
ROE1 8.2% 4.7% 3.5 8.2% 1.6
ROTE1 9.8% 5.6% 4.2 9.8% 1.8
ROA1 0.5% 0.3% 0.2 0.5% 0.1
RORWA1 1.4% 0.8% 0.7 1.4% 0.3

June 2021 December
2020
Change March 2021 Quarter-on-quarter
BALANCE SHEET
Total assets

674,088

451,520

49.3% 663,569 1.6%
Equity 34,571 25,278 36.8% 35,552 (2.8%)
BUSINESS ACTIVITY
Customer funds 600,993 415,408 44.7% 579,934 3.6%
Customer funds, excluding the Bankia integration 440,394 415,408 6.0% 419,335 -
Loans and advances to customers, gross 363,012 243,924 48.8% 363,821 (0.2%)
Loans and advances to customers, gross, excluding the Bankia integration 241,996 243,924 (0.8%) 242,805 -
RISK MANAGEMENT
Non-performing loans (NPL) 14,005 8,601 5,404 14,077 (72)
Non-performing loans (NPL), excluding the Bankia integration 8,578 8,601 (23) 8,650 -
Non-performing loan ratio 3.6% 3.3% 0.3 3.6% 0.0
Provisions for insolvency risk 9,001 5,755 3,246 9,415 (414)
Provisions for insolvency risk, excluding the Bankia integration 5,383 5,755 (372) 5,797 -
NPL coverage ratio 64% 67% (3) 67% (3)
Net foreclosed available for sale real estate assets 2,297 930 1,367 2,267 30
Foreclosed available for sale real estate assets, excluding the Bankia integration 1,114 930 184 1,084 -
LIQUIDITY
Total Liquid Assets 162,731
114,451 48,280 147,146 15,585
Liquidity Coverage Ratio (last 12 months) 292% 248% 44 273% 19
Net Stable Funding Ratio (NSFR) 148% 145% 3 146% 2
Loan to deposits 94% 97%  (3) 97% (3)
CAPITAL ADEQUACY
Common Equity Tier 1 (CET1) 12.9% 13.6% (0.7) 14.1% (1.2)
Tier 1 14.8% 15.7% (0.9) 16.2% (1.4)
Total capital 17.4% 18.1% (0.7) 19.0% (1.6)
MREL 25.1% 26.3% (1.2) 26.3% (1.2)
Risk-Weighted Assets (RWAs)2 220,660 144,073 76,587 208,585 12,075
Leverage Ratio 5.1% 5.6% (0.5) 5.4% (0.3)
SHARE INFORMATION3
Share price (€/share) 2.594 2.101 0.493 2.639 (0.045)
Market capitalisation 20,890 12,558 8,332 21,259 (369)
Book value per share (€/share) 4.29 4.22 0.06 4.41 (0.12)
Tangible book value per share (€/share) 3.66 3.49 0.16 3.78 (0.12)
Net income (ex M&A impacts) attributable per share (€/share) (12 months) 0.34 0.21 0.13 0.28 0.06
PER (Price/Profit, ex M&A impacts ; times) 7.63 10.14 (2.52) 9.43 (1.80)
Tangible PBV (Market value/ book value of tangible assets) 0.71 0.60 0.11 0.70 0.01
OTHER DATA (units)
Employees4 51,071 35,434 15,637 51,227 (156)
Branches4 6,160 4,208 1,952 6,298 (138)
of which: retail branches in Spain 5,433 3,571 1,862 5,552 (119)
ATMs4 15,285 10,283 5,002 15,372 (87)

(1) These ratios do not include in the numerator the results generated by Bankia before 31 March 2021, which is the recognition date of the merger for accounting purposes or, for consistency purposes, the contribution of the incorporated RWAs or balance items in the denominator. They neither consider the extraordinary impacts associated with the merger.
(2) At 31 March 2021, Euros 66.165 million have been integrated from Bankia.
(3) See the methodology used in the calculation and breakdown in ‘The CaixaBank share’ and ‘Appendices’. 
(4) At 31 March 2021, 15,911 employees, 2,101 branches (of which 2,013 retail) and 5,156 ATMs have been integrated from Bankia. Does not include branches outside Spain and Portugal or representative offices.