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

January - June Change 2Q23 Quarter-on-quarter
€ million / % 2023 2022
PROFIT/(LOSS)
Net interest income 4,624 2,979 55.2 % 2,442 11.9 %
Net fee and commission income 1,846 1,928  (4.2) % 909 (3.1) %
Core income 7,110 5,417 31.3 % 3,661 6.1 %
Gross income 6,673 5,420 23.1 % 3,572 15.2 %
Recurring administrative expenses, depreciation and amortisation (2,894) (2,773)  4.3 % (1,455) 1.0 %
Pre-impairment income 3,774 2,623 43.9 % 2,115 27.4 %
Pre-impairment income stripping out extraordinary expenses 3,779 2,647 42.8 % 2,118 27.4 %
Profit/(loss) attributable to the Group 2,137 1,573 35.8 % 1,281 49.8 %
MAIN RATIOS (Last 12 months)
Cost-to-income ratio 46.0 % 57.6 % (11.7) 46.0 % (2.6)
Cost-to-income ratio stripping out extraordinary expenses
 45.7 % 56.1 % (10.4) 45.7 % (2.5)
Cost of risk (last 12 months) 0.27 % 0.23 % 0.03 0.27 % 0.01
ROE
 10.2 % 6.8 % 3.4 10.2 % 1.3
ROTE
 12.0 % 7.9 % 4.1 12.0 % 1.6
ROA 0.5 % 0.3 % 0.2 0.5 % 0.1
RORWA 1.6 % 1.1 % 0.5 1.6 % 0.2

June 2023 December 2022 Change March 2023 Quarter-on-quarter
BALANCE SHEET
Total assets 625,597 598,850  4.5% 618,708 1.1 %
Equity 34,044 33,708  1.0% 33,034 3.1 %
BUSINESS ACTIVITY
Customer funds 627,824 611,300 2.7 % 614,608  2.2 %
Loans and advances to customers, gross 363,952 361,323 0.7 % 361,077  0.8 %
RISK MANAGEMENT
Non-performing loans (NPL) 10,317 10,690 (373) 10,447 (130)
Non-performing loan ratio 2.6 % 2.7 % (0.1) 2.7 % (0.1)
Provisions for insolvency risk 7,880 7,867 13 7,921 (40)
NPL coverage ratio 76 % 74 % 3 76 % —
Net foreclosed available for sale real estate assets 1,759 1,893 (134) 1,826 (67)
LIQUIDITY
Total Liquid Assets 146,646 139,010 7,636 132,867 13,779
Liquidity Coverage Ratio  207% 194% (13 192 % (29)
Net Stable Funding Ratio (NSFR) 138% 142% (4) 139 % (1)
Loan to deposits 91% 91% 0 92 % (1)
CAPITAL ADEQUACY
Common Equity Tier 1 (CET1)  12.5%  12.8% (0.3) 12.6 % (0.1)
Tier 1  14.6% 14.8% (0.2) 15.0 % (0.4)
Total capital  17.5% 17.3% 0.2 17.8 % (0.3)
MREL 25.6% 25.9% (0.3) 26.2 % (0.6)
Risk-Weighted Assets (RWAs) 217,908 215,103 2,805 215,179 2,729
Leverage Ratio 5.4% 5.6% (0.2) 5.6 % (0.2)
SHARE INFORMATION
Share price (€/share) 3.787 3.672 0.115 3.584 0.203
Market capitalisation 28,384 27,520 864 26,862 1,522
Book value per share (€/share) 4.54 4.49 0.05 4.40 0.13
Tangible book value per share (€/share) 3.82 3.77 0.05 3.69 0.14
Net income attributable per share  (€/share) (12 months) 0.49 0.40 0.09 0.43 0.06
PPER (Price/Profit; times) 7.76 9.18 (1.42) 8.41 (0.65)
Tangible PBV (Market value/ book value of tangible assets) 0.99 0.97 0.02 0.97 0.02
OTHER DATA (units)
Employees 44,683 44,625 58 44,654 29
Branches 4,228 4,404 (176) 4,263 (35)
of which: retail branches in Spain 3,649 3,818 (169) 3,684 (35)
ATMs 12,691 12,947 (256) 12,780 (89)