Caixabank (Go to Home)
Print pageKey figures
These are our key details and figures, collected in our last presentation of results:
| January - March | Change | ||
|---|---|---|---|
| € million / % | 2025 | 2024 | |
| PROFIT/(LOSS) | |||
| Net interest income | 2.646 | 2.781 | -4.9 % |
| Revenues from services | 1.278 | 1.197 | 6,8 % |
| Gross income | 4.011 | 3.496 | 14,7 % |
| Administrative expenses, depreciation and amortisation | (1.580) | (1.580) | 4,8 % |
| Pre-impairment income | 2.431 | 1.988 | 22,3 % |
| Profit/(loss) attributable to the Group | 1.470 | 1.005 | 46,2 % |
| MAIN RATIOS (Last 12 months) | ||||
|---|---|---|---|---|
| Cost-to-income ratio | 37,7 % | 40,3 % | (2,5) | |
| Cost of risk | 0,25 % | 0,29 % | (0,04) | |
| ROE |
16,5 % | 13,4 % | 3,1 | |
| ROTE |
19,4 % | 15,8 % | 3,6 | |
| ROA | 1,0 % | 0,8 % | 0,2 | |
| RORWA | 2,6 % | 2,1 % | 0,5 | |
| March | December | Change | |
|---|---|---|---|
| 2025 | 2024 | ||
| BALANCE SHEET (€ Million) | |||
| Total assets | 636.468 | 631.003 | 0,9 % |
| Equity | 37.934 | 36.865 | 2,9 % |
| BUSINESS ACTIVITY (€ Million) | |||
|---|---|---|---|
| Customer funds | 690.523 | 685.365 | 0,8 % |
| Loans and advances to customers, gross | 364.159 | 361.214 | 0,8 % |
| Business volume | 1.045.116 | 1.036.876 | 0,8 % |
| RISK MANAGEMENT (€ Million; in %) | |||
|---|---|---|---|
| Non-performing loans (NPL) | 10.076 | 10.235 | (160) |
| Non-performing loan ratio | 2,5 % | 2,6 % | (0,1) |
| Provisions for insolvency risk | 7.017 | 7.016 | 1 |
| NPL coverage ratio | 70 % | 69 % | 1 |
| Net foreclosed available for sale real estate assets | 1.361 | 1.422 | (61) |
| LIQUIDITY (€ Million; in %) | |||
|---|---|---|---|
| Total Liquid Assets | 171.170 | 171.367 | (197) |
| Liquidity Coverage Ratio | 197 % | 207 % | (10) |
| Net Stable Funding Ratio (NSFR) | 148 % | 146 % | 2 |
| Loan to deposits | 86 % | 86 % |
0 |
| CAPITAL ADEQUACY (€ Million; in %) | |||
|---|---|---|---|
| Common Equity Tier 1 (CET1) | 12,5 % | 12,2 % | 0,3 |
| Tier 1 | 14,3 % | 14, 0% | 0,4 |
| Total capital | 17,0 % | 16,6 % | 0,3 |
| MREL | 28,1 % | 28,1 % | 0,0 |
| Risk-Weighted Assets (RWAs) | 234.942 | 237.969 | -3.027 |
| Leverage Ratio | 5,7 % | 5,7 % | (0,0) |
| SHARE INFORMATION | |||
|---|---|---|---|
| Share price (€/share) | 5,236 | 3,726 | 1,510 |
| Market capitalisation | 37.269 | 27.450 | 9.819 |
| Book value per share (€/share) | 5,17 | 4,93 | 0,25 |
| Tangible book value per share (€/share) | 4,41 | 4,20 | 0,21 |
| Net income attributable per share (€/share) (12 months) | 0,80 | 0,64 | 0,15 |
| PER (Price/Profit; times) | 6,57 | 5,78 | 0,79 |
| PBV (Market value/ book value) | 1,01 | 0,76 | 0,26 |
| OTHER DATA (units) | |||
|---|---|---|---|
| Employees | 46.254 | 46.014 | 240 |
| Group Branches | 4.111 | 4.128 | (17) |
| of which: retail branches in Spain | 3.555 | 3.570 | (15) |
| ATMs | 12.334 | 12.370 | (36) |
