Corporate information

Key data

Datos más relevantes del grupo ”la Caixa”

  January - September Change 3Q20 Quarter-on-quarter
€ million / % 2020 2019
INCOME STATEMENT  
Net interest income 3,647 3,720 (2.0%) 1.222 (0,2%)
Net fee and commission income 1,905 1,904 0.0% 638 4,9%
Core income 6,158 6,201 (0.7%) 2.094 3,7%
Gross income 6,260 6,610 (5.3%) 2.143 0,4%
Recurring administrative expenses, depreciation and
amortisation
(3,485) (3,597) (3.1%) (1.140) (1,5%)
Pre-impairment income 2,776 2,035 36.4% 1.004 2,8%
Pre-impairment income stripping out extraordinary expenses 2,776 3,013 (7.9%) 1.004 2,8%
Profit/(loss) attributable to the Group 726 1.266 (42.6%) 522 -
       
INDICATORS OF PROFITABILITY (last 12 months)
Cost-to-income ratio 56.4% 67.9% (11,5) 56,4% (0,4)
Cost-to-income ratio stripping out extraordinary expenses 56.4% 56.2% 0,2 56,4% (0,4)
ROE 4.2% 5.5% (1,3) 4,2% (0,5)
ROTE 5.0% 6.7% (1,7) 5,0% (0,6)
ROA 0.2% 0.3% (0,1) 0,2% (0,1)
RORWA 0.7% 0.9% (0,2) 0,7% (0,1)

 
September 2020 December
2019
Change June
2020
Quarter-on-quarter
BALANCE SHEET      
Total assets 449,310 391,414 14.8% 445.572 0,8%
Equity 24,551 25,151 (2.4%) 24.393 0,6%
Customer funds 404,422 384,286 5.2% 400.675 0,9%
Loans and advances to customers, gross 241,877 227,406 6.4% 242.956 (0,4%)
RISK MANAGEMENT
Non-performing loans (NPL) 9,078 8.794 284 9.220 (141)
Non-performing loan ratio 3.5% 3,6% (0.1) 3,5% 0,0
Cost of risk (last 12 months) 0.67% 0,15% 0.52 0,61% 0,06
Provisions for insolvency risk 5,883 4.863 1.020 5.786 97
NPL coverage ratio 65% 55% 10 63% 2
Net foreclosed available for sale real estate assets1 973 958 15 973 0
Foreclosed available for sale real estate assets coverage ratio 40% 39% 1 40% 0
LIQUIDITY       
Total liquid assets 110,729 89,427 21,302 106.609 4.120
Liquidity Coverage Ratio (last 12 months) 224% 186% 38 198% 26
Net Stable Funding Ratio (NSFR) 141% 129% 12 140% 1
Loan to deposits 98% 100% (2) 99% (1)
CAPITAL ADEQUACY2
Common Equity Tier 1 (CET1) 12.7% 12.0% 0.7 12,3% 0,4
Tier 1 14.7% 13.5% 1.2 13,8% 0,9
Total capital 17.0% 15.7% 1.3 16,0% 1,0
MREL3 24.4% 21.8% 2.6 23,3% 1,1
Risk-Weighted Assets (RWAs) 145,603 147,880 (2.277) 147.499 (1.896)
Leverage Ratio 5.3% 5.9% (0.6) 5,1% 0,2
SHARE INFORMATION
Share price (€/share) 1.813 2.798 (0.985) 1,901 (0,088)
Market capitalisation 10,837 16,727 (5,890) 11.360 (523)
Book value per share (€/share) 4.10   4.20 (0.10) 4,08 0,02
Tangible book value per share (€/share) 3.38   3.49 (0.11) 3,36 0,02
Net income attributable per share (€/share) (12 months) 0.17   0.26 (0.09) 0,19 (0,02)
PER (Price/Profit) 10.49   10.64 (0.15) 9,83 0,66
Tangible PBV (Market value/ book value of tangible assets) 0.54   0.80 (0.26) 0,57 (0,03)
OTHER DATA (units)
Employees 35,617 35,736 (119) 35.589 28
Branches4 4,315 4,595 (280) 4.460 (145)
of which: retail branches in Spain 3,672 3,918 (246) 3.797 (125)

(1)    Exposure in Spain.

(2)  Pro-forma ratios at 30 September 2020 considering the partial sale of Comercia and the AT1 issue of €750 million completed at the beginning of the fourth quarter.

(3)  Pro-forma ratio at June 2020 including the new issue of the social bond carried out in July for €1,000 million in Senior preferred debt (22.6 % excluding this issue). 

(4)    Does not include branches outside Spain and Portugal or representative offices.