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Key figures
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.