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)