
Caixabank (Go to Home)
These are our key details and figures, collected in our last presentation of results:
January - December | Change | 4Q20 |
Quarter-on-quarter |
||
---|---|---|---|---|---|
€ million / % | 2020 | 2019 | |||
PROFIT/(LOSS) | |||||
Net interest income | 4,900 | 4,951 | (1.0%) | 1,253 | 2.5% |
Net fee and commission income | 2,576 | 2,598 | (0.9%) | 671 | 5.1% |
Core income | 8,310 | 8,316 | (0.1%) | 2,152 | 2.8% |
Gross income | 8,409 | 8,605 | (2.3%) | 2,149 | 0.3% |
Recurring administrative expenses, depreciation and amortisation | (4,579) | (4,771) | (4.0%) | (1,095) | (3.9%) |
Pre-impairment income | 3,830 | 2,855 | 34.2% | 1,055 | 5.1% |
Pre-impairment income stripping out extraordinary expenses | 3,830 | 3,834 | (0.1)% | 1,055 | 5.1% |
Profit/(loss) attributable to the Group | 1,381 | 1,705 | (19.0%) | 655 | 25.6% |
INDICATORS OF PROFITABILITY (Last 12 months) | |||||
Cost-to-income ratio | 54.5% | 66.8% | (12.3) | 54.5% | (1.9) |
Cost-to-income ratio stripping out extraordinary expenses | 54.5% | 55.4% | (0.9) | 54.5% | (1.9) |
ROE | 5.0% | 6.4% | (1.4) | 5.0% | 0.8 |
ROTE | 6.1% | 7.7% | (1.6) | 6.1% | 1.1 |
ROA | 0.3% | 0.4% | (0.1) | 0.3% | 0.1 |
RORWA | 0.8% | 1.1% | (0.3) | 0.8% | 0.1 |
December 2020 | December 2019 |
Change | September 2020 |
Quarter-on-quarter |
|
---|---|---|---|---|---|
BALANCE SHEET | |||||
Total assets | 451,520 | 391,414 | 15.4% | 449,310 | 0.5% |
Equity | 25,278 | 25,151 | 0.5% | 24,551 | 3.0% |
Customer funds | 415,408 | 384,286 | 8.1% | 404,422 | 2.7% |
Loans and advances to customers, gross | 243,924 | 227,406 | 7.3% | 241,877 | 0.8% |
RISK MANAGEMENT | |||||
Non-performing loans (NPL) | 8,601 | 8,794 | (193) | 9,078 | (477) |
Non-performing loan ratio | 3.3% | 3.6% | (0.3) | 3.5% | (0.2) |
Cost of risk (last 12 months) | 0.75% | 0.15% | 0.60 | 0.67% | 0.08 |
Provisions for insolvency risk | 5,755 | 4,863 | 892 | 5,883 | (128) |
NPL coverage ratio | 67% | 55% | 12 | 65% | 2 |
Net foreclosed available for sale real estate assets (1) | 930 | 958 | (28) | 973 | (43) |
Foreclosed available for sale real estate assets coverage ratio | 42% | 39% | 3 | 40% | 2 |
LIQUIDITY | |||||
Total Liquid Assets | 114,451 | 89,427 | 25,024 | 110,729 | 3,722 |
Liquidity Coverage Ratio (last 12 months) | 248% | 186% | 62 | 224% | 24 |
Net Stable Funding Ratio (NSFR) | 145% | 129% | 16 | 141% | 4 |
Loan to deposits | 97% | 100% | (3) | 98% | (1) |
CAPITAL ADEQUACY (2) | |||||
Common Equity Tier 1 (CET1) | 13.6% | 12.0% | 1.6 | 12.5% | 1.1 |
Tier 1 | 15.7% | 13.5% | 2.2 | 14.0% | 1.7 |
Total capital | 18.1% | 15.7% | 2.4 | 16.3% | 1.8 |
MREL | 26.3% | 21.8% | 4.5 | 23.7% | 2.6 |
Risk-Weighted Assets (RWAs) | 144,059 | 147,880 | (3,821) | 145,731 | (1,672) |
Leverage ratio | 5.6% | 5.9% | (0.3) | 5.1% | 0.5 |
SHARE INFORMATION | |||||
Share price (€/share) | 2.101 | 2.798 | (0.697) | 1.813 | 0.288 |
Market capitalisation | 12,558 | 16,727 | (4,169) | 10,837 | 1,721 |
Book value per share (€/share) | 4.22 | 4.20 | 0.02 | 4.10 | 0.12 |
Tangible book value per share (€/share) | 3.49 | 3.49 | - | 3.38 | 0.11 |
Net income attributable per share (€/share) (12 months) | 0.21 | 0.26 | (0.05) | 0.17 | 0.04 |
PER (Price/Profit) | 10.14 | 10.64 | (0.50) | 10.49 | (0.35) |
Tangible PBV (Market value/ book value of tangible assets) | 0.60 | 0.80 | (0.20) | 0.54 | 0.06 |
OTHER DATA (units) | |||||
Employees | 35,434 | 35,736 | (302) | 35,617 | (183) |
Branches (3) | 4,208 | 4,595 | (387) | 4,315 | (107) |
of which: retail branches in Spain | 3,571 | 3,918 | (347) | 3,672 | (101) |
(1) Exposure in Spain.
(2) Figures at September 2020 updated with the COREP.
(3) Does not include branches outside Spain and Portugal or representative offices.