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Corporate information

Key data

Datos más relevantes del grupo ”la Caixa”

  January-September Year-on-year 3Q18 Quarter-on-quarter
INCOME STATEMENT
2018 2017
€ million/%        
Net interest income 3,671 3,550 3.4 %  1,239 0.7 %
Net fee and commission income 1,938 1,867 3.8 % 645 (3.3 %)
Gross income 6,901 6,491 6.3 % 2,247 (6.0 %)
Recurring administrative expenses, depreciation and
amortisation
(3,466) (3,343) 3.7 % (1,162) 0.6 %
Pre-impairment income stripping out extraordinary
expenses
3,435  3,148  9.1 % 1,085 (12.2 %)
Pre-impairment income 3,424 3,039  12.7 % 1,082 (12.1 %)
Profit/(loss) attributable to the Group 1,768 1,488 18.8 % 470 (20.8 %)
       
INDICATORS OF PROFITABILITY (Last 12 months)
Cost-to-income ratio 53.3 % 53.1 % 0.2 53.3 % 0.2
Cost-to-income ratio stripping out extraordinary expenses 53.2 % 51.8 % 1.4 53.2 % 0.2
ROE 7.7 % 6.6 % 1.1 7.7 % (0.9)
ROTE 9.4 % 8.0 % 1.4 9.4 % (1.0)
ROA 0.5 % 0.4 % 0.1 0.5 % (0.1)
RORWA 1.3 % 1.1 % 0.2 1.3 % (0.1)

 
OTHER INDICATORS September 2018 December 2017 Year-to-date June 2018 Quarter-on-quarter
BALANCE SHEET      
Total assets 387,751 383,186 1.2 % 396,117 (2.1 %)
Equity 24,353 24,683 (1.3 %) 24,099 1.1 %
Customer funds 363,621 349,458 4.1 % 366,163 (0.7 %)
Loans and advances to costumers, gross 223,465 223,951 (0.2 %) 225,744 (1.0 %)
RISK MANAGEMENT
Non-performing loans (NPL) 12,116 14,305 (2,189) 12,714 (598)
Non-performing loan ratio 5.1 % 6.0 % (0.9) 5.3 % (0.2)
Cost of risk (last 12 months) 0.08% 0.34 % (0.26) 0.24 % (0.16)
Provisions for insolvency risk 6,579 7,135 (556) 7,172 (593)
NPL coverage ratio 54 % 50 % 4 56 % (2)
Net foreclosed available for sale real estate assets1 5,346 5,878 (532) 5,553 (207)
Foreclosed available for sale real estate assets coverage ratio 59 % 58 % 1 59 % -
LIQUIDITY       
Total Liquid Assets 76,079 72,775 3,304 79,892 (3,813)
Loan to deposits 104 % 108 % (4) 102 % 2
Liquidity Coverage Ratio (last 12 months) 193 % 185 %   8 199 % (6)
CAPITAL ADEQUACY
Fully-loaded Common Equity Tier 1 (CET1)2 11.4 % 11.7 % (0.3)  11.4 % -
Fully-loaded Tier 1 12.9 % 12.3 % 0.6 12.9 %  -
Fully-loaded total capital 15.2 % 15.7 % (0.5) 15.7 % (0.5)
Fully-loaded Risk- Weighted Assets (RWAs) 148,826 148,626 200 147,754 1,072
Fully-loaded leverage ratio 5.6 % 5.3 % 0.3 5.4 % 0,2
SHARE INFORMATION
Share price (€/share) 3.938 3.889 0.049 3.706 0.232
Market capitalization 23,544 23,248 296 22,157 1,387
Book value per share (€/share) 4.04 4.06 (0.02) 4.00 0.04
Tangible book value per share (€/share) 3.33 3.35 (0.02) 3.29 0.04
Net income attributable per share (€/share) (12 months) 0.32  0.28 0.04 0.35 (0.03)
PER (Price/Profit) 12.44 14.02 (1.58) 10.64 1.80
Tangible PBV (Market value/book value of tangible assets) 1.18 1.16 0.02 1.13 0.05
OTHER DATA (units)
Employees 37,511 36,972 539 37,286 225
Branches3 5,176 5,379 (203) 5,239 (63)

(1)    Exposure in Spain. Excluding the real estate assets to be sold off with the real estate business, the portfolio would amount to €608 million at 30 September 2018. 

(2)    The pro-forma ratio including the sale of the real estate business and the remaining divestment at Repsol would come to 11.7%.

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