
These are our key details and figures, collected in our last presentation of results:
January - September | Change | 3Q23 | Quarter-on-quarter | ||
---|---|---|---|---|---|
€ million / % | 2023 | 2022 | |||
PROFIT/(LOSS) | |||||
Net interest income | 7,364 | 4,582 | 60.7 % | 2,740 | 12.2 % |
Net fee and commission income | 2,741 | 2,896 | (5.3) % | 895 | (1.5) % |
Core income | 11,128 | 8,289 | 34.3 % | 4,018 | 9.8 % |
Gross income | 10,689 | 8,292 | 28.9 % | 4,016 | 12.4 % |
Recurring administrative expenses, depreciation and amortisation | (4,365) | (4,149) | 5.2 % | (1,471) | 1.1 % |
Pre-impairment income | 6,315 | 4,109 | 53.7 % | 2,541 | 20.2 % |
Pre-impairment income stripping out extraordinary expenses | 6,324 | 4,143 | 52.6 % | 2,545 | 20.2 % |
Profit/(loss) attributable to the Group | 3,659 | 2,469 | 48.2 % | 1,522 | 18.8 % |
MAIN RATIOS (Last 12 months) | ||||||
---|---|---|---|---|---|---|
Cost-to-income ratio | 42.7 % | 55.5 % | (12.8) | 42.7 % | (3.2) | |
Cost-to-income ratio stripping out extraordinary expenses |
42.6 % | 54.3 % | (11.8) | 42.6 % | (3.2) | |
Cost of risk (last 12 months) | 0.30 % | 0.23 % | 0.07 | 0.30 % | 0.03 | |
ROE |
11.9 % | 7.2 % | 4.7 | 11.9 % | 1.8 | |
ROTE |
14.1 % | 8.4 % | 5.7 | 14.1 % | 2.1 | |
ROA | 0.6 % | 0.4 % | 0.3 | 0.6 % | 0.1 | |
RORWA | 1.9 % | 1.2 % | 0.7 | 1.9 % | 0.3 |
September | December | Change | June | Quarter-on-quarter | |
---|---|---|---|---|---|
2023 | 2022 | 2023 | |||
BALANCE SHEET | |||||
Total assets | 611,398 | 598,850 | 2.1% | 625,597 | (2.3) % |
Equity | 35,332 | 33,708 | 4.8% | 34,044 | 3.8 % |
BUSINESS ACTIVITY | |||||
---|---|---|---|---|---|
Customer funds | 619,323 | 611,300 | 1.3 % | 627,824 | (1.4) % |
Loans and advances to customers, gross | 355,057 | 361,323 | (1.7) % | 363,952 | (2.4) % |
RISK MANAGEMENT | |||||
---|---|---|---|---|---|
Non-performing loans (NPL) | 10,200 | 10,690 | (490) | 10,317 | (117) |
Non-performing loan ratio | 2.7 % | 2.7 % | (0.1) | 2.6 % | 0.0 |
Provisions for insolvency risk | 7,725 | 7,867 | (143) | 7,880 | (156) |
NPL coverage ratio | 76 % | 74 % | 2 | 76 % | (1) |
Net foreclosed available for sale real estate assets | 1,688 | 1,893 | (205) | 1,759 | (71) |
LIQUIDITY | |||||
---|---|---|---|---|---|
Total Liquid Assets | 153.813 | 139,010 | 14,803 | 146,646 | 7,167 |
Liquidity Coverage Ratio | 205% | 194% | 10 | 207 % | (3) |
Net Stable Funding Ratio (NSFR) | 139% | 142% | (3) | 138 % | 1 |
Loan to deposits | 90% | 91% | (1) | 91 % | (1) |
CAPITAL ADEQUACY | |||||
---|---|---|---|---|---|
Common Equity Tier 1 (CET1) | 12.3% | 12.8% | (0.5) | 12.5 % | (0.3) |
Tier 1 | 14.3% | 14.8% | (0.5) | 14.6 % | (0.3) |
Total capital | 17.1% | 17.3% | (0.21) | 17.4 % | (0.35) |
MREL | 27.1% | 25.9% | 1.2 | 25.6 % | 1.6 |
Risk-Weighted Assets (RWAs) | 222,616 | 215,103 | 7,513 | 217,970 | 4,646 |
Leverage Ratio | 5.6% | 5.6% | (0.1) | 5.4 % | 0.1 |
SHARE INFORMATION | |||||
---|---|---|---|---|---|
Share price (€/share) | 3,786 | 3,672 | 0.114 | 3.787 | (0.001) |
Market capitalisation | 28,309 | 27,520 | 789 | 28,384 | (75) |
Book value per share (€/share) | 4.72 | 4.49 | 0.23 | 4.54 | 0.18 |
Tangible book value per share (€/share) | 4.00 | 3.77 | 0.23 | 3.82 | 0.18 |
Net income attributable per share (€/share) (12 months) | 0.58 | 0.40 | 0.18 | 0.49 | 0.09 |
PPER (Price/Profit; times) | 6.58 | 9.18 | (2.60) | 7.76 | (1.18) |
Tangible PBV (Market value/ book value of tangible assets) | 0.95 | 0.97 | (0.03) | 0.99 | (0.04) |
OTHER DATA (units) | |||||
---|---|---|---|---|---|
Employees | 44,771 | 44,625 | 146 | 44,683 | 88 |
Branches |
4,199 |
4,404 | (205) | 4,228 | (29) |
of which: retail branches in Spain | 3,622 | 3,818 | (196) | 3,649 | (27) |
ATMs | 12,608 | 12,947 | (339) | 12,691 | (83) |