These are our key details and figures, collected in our last presentation of results:
|
January - September |
Change |
3Q22 |
Quarter-on-quarter |
| € million / % |
2022 |
2021 |
|
|
|
| PROFIT/(LOSS) |
|
|
|
|
|
| Net interest income |
4,843 |
4,416 |
9.7% |
1,687 |
5.1% |
| Net fee and commission income |
2,998 |
2,604 |
15.1% |
1,004 |
(2.2)% |
| Core income |
8,640 |
7,708 |
12.1% |
2,991 |
3.6% |
| Gross income |
8,647 |
7,711 |
12.1% |
2,992 |
3.9% |
| Recurring administrative expenses, depreciation and amortisation |
(4,516) |
(4,353) |
3.7% |
(1,505) |
1.1% |
| Pre-impairment income |
4,096 |
1,337 |
- |
1,476 |
7.3% |
| Pre-impairment income stripping out extraordinary expenses |
4,131 |
3,357 |
23.1% |
1,487 |
6.8% |
| Profit/(loss) attributable to the Group |
2,457 |
4,801 |
(48.8%) |
884 |
2.2% |
| Profit/(loss) attributable to the Group ex M&A impacts in 2021 |
2,457 |
2,022 |
21.5% |
- |
- |
|
|
|
|
|
|
| MAIN RATIOS (Last 12 months) |
|
|
|
|
|
| Cost-to-income ratio |
55.5% |
75.7% |
(20.2) |
55.5% |
(2.1) |
Cost-to-income ratio stripping out extraordinary expenses
|
54.3% |
55.3% |
(1.0) |
54.3% |
(1.8) |
| Cost of risk1 (last 12 months) |
0.23% |
0.24% |
(0.01) |
0.23% |
0.00 |
ROE1
|
7.2% |
8.1% |
(1.0) |
7.2% |
0.4 |
ROTE1
|
8.4% |
9.6% |
(1.2) |
8.4% |
0.5 |
| ROA1 |
0.4% |
0.4% |
(0.1) |
0.4% |
0.0 |
| RORWA1 |
1.2% |
1.3% |
(0.1) |
1.2% |
0.1 |
|
September 2022 |
December 2021 |
Change |
June 2022 |
Quarter-on-quarter |
| BALANCE SHEET |
|
|
|
|
|
| Total assets |
675,790 |
680,036 |
(0.6)% |
704,505 |
(4.1)% |
| Equity |
34,274 |
35,425 |
(3.3)% |
34,843 |
(1.6)% |
| BUSINESS ACTIVITY |
|
|
|
|
|
| Customer funds |
612,504 |
619,971 |
(1.2)% |
624,087 |
(1.9)% |
| Loans and advances to customers, gross |
362,465 |
352,951 |
2.7% |
362,770 |
(0.1)% |
| RISK MANAGEMENT |
|
|
|
|
|
| Non-performing loans (NPL) |
11,643 |
13,634 |
(1,991) |
12,424 |
(782) |
| Non-performing loan ratio |
3.0% |
3.6% |
(0.6) |
3.2% |
(0.2) |
| Provisions for insolvency risk |
7,867 |
8,625 |
(758) |
8,126 |
(259) |
| NPL coverage ratio |
68% |
63% |
5 |
65% |
3 |
| Net foreclosed available for sale real estate assets |
2,044 |
2,279 |
(235) |
2,110 |
(66) |
| LIQUIDITY |
|
|
|
|
|
| Total Liquid Assets |
141,981 |
168,349 |
(26,368) |
162,847 |
(20,866) |
| Liquidity Coverage Ratio (last 12 months) |
313% |
320% |
(7) |
323% |
(10) |
| Net Stable Funding Ratio (NSFR) |
145% |
154% |
(9) |
150% |
(5) |
| Loan to deposits |
90% |
89% |
(1) |
88% |
2 |
| CAPITAL ADEQUACY |
|
|
|
|
|
| Common Equity Tier 1 (CET1) |
12.4% |
13.1% |
(0.7) |
12.4% |
- |
| Tier 1 |
14.3% |
15.5% |
(1.2) |
14.4% |
(0.1) |
| Total capital |
16.5% |
17.9% |
(1.4) |
16.6% |
(0.1) |
| MREL |
25.1% |
25.7% |
(0.6) |
24.6% |
0.5 |
| Risk-Weighted Assets (RWAs) |
215,598 |
215,651 |
(53) |
215,515 |
83 |
| Leverage Ratio |
4.8% |
5.3% |
(0.5) |
4.6% |
0.2 |
| SHARE INFORMATION |
|
|
|
|
|
| Share price (€/share) |
3.311 |
2.414 |
0.897 |
3.317 |
(0.006) |
| Market capitalisation |
25,176 |
19,441 |
5,735 |
26,079 |
(903) |
| Book value per share (€/share) |
4.50 |
4.39 |
0.11 |
4.43 |
0.08 |
| Tangible book value per share (€/share) |
3.81 |
3.73 |
0.08 |
3.75 |
0.06 |
| Net income (ex M&A impacts) attributable per share (€/share) (12 months) |
0.32 |
0.28 |
0.04 |
0.30 |
0.02 |
| PER (Price/Profit, ex M&A impacts ; times) |
10.43 |
8.65 |
1.78 |
11.21 |
(0.77) |
| Tangible PBV (Market value/ book value of tangible assets) |
0.87 |
0.65 |
0.22 |
0.88 |
(0.01) |
| OTHER DATA (units) |
|
|
|
|
|
| Employees |
44,501 |
49,762 |
(5,261) |
45,022 |
(521) |
| Branches2 |
4,461 |
5,317 |
(856) |
4,543 |
(82) |
| of which: retail branches in Spain |
3,859 |
4,615 |
(756) |
3,934 |
(75) |
| ATMs |
13,047 |
14,426 |
(1,379) |
13,095 |
(48) |
(1) The 2021 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. the contribution of the incorporated RWAs or balance items in the denominator, they neither consider the extraordinary impacts associated with the merger.
(2) Does not include branches outside Spain and Portugal or representative offices.
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