Corporate information

Key data

Datos más relevantes del grupo ”la Caixa”

  January - September Year-on-year 3Q19 Quarter-on-quarter
INCOME STATEMENT 2019 2018
€ million / %        
Net interest income 3,720 3,671 1.3 % 1,242 0.1 %
Net fee and comission income 1,904 1,938 (1.7 %) 656 3.2 %
Gross income 6,610 6,901 (4.2 %) 2,165 (7.3 %)
Recurring administrative expenses,
depreciation and amortisation
(3,597) (3,466) 3.8 % (1,189) (1.3 %)
Pre-impairment income 2,035 3,424 (40.6 %) 976 -
Pre-impairment income stripping
out extraordinary expenses
3,013 3,435 (12.3 %) 976 (13.7 %)
Profit/(loss) attributable to the Group 1,266 1,768 (28.4 %) 644 -
       
INDICATORS OF PROFITABILITY
(last 12 months)
Cost-to-income-ratio 67.9 % 53.3 % 14.6 67.9 % 0.9 
Cost-to-income ratio stripping
out extraordinary expenses
56.2 % 53.2 % 3.0 56.2 % 0.8 
ROE1 5.6 % 7.9 % (2.3) 5.6 % 0.7
ROTE1 6.8 % 9.5 % (2.7) 6.8 % 0.8
ROA 0.3 % 0.5 % (0.2) 0.3 % -
RORWA 0.9 % 1.3 % (0.4) 0.9 % 0.1

 
OTHER INDICATORS September 2019 December
2018
Year-to-date June  2019 Quarter-on-quarter
BALANCE SHEET      
Total assets 413,165 386,622 6.9 % 406,007 1.8 %
Equity 24,699 24,058 2.7 % 23,984 3.0 %
Customer funds 381,136 358,482 6.3 % 380,864 0.1%
Loans and advances to customers, gross 227,876 224,693 1.4 % 230,867 (1.3 %)
RISK MANAGEMENT
Non-performing loans (NPL) 9,953 11,195 (1,242) 10,402 (449)
Non-performing loan ratio 4.1 % 4.7 % (0.6) 4.2% (0.1)
Cost of risk (last 12 months) 0.14 % 0.04 % 0.10 0.02% 0.12
Provisions for insolvency risk 5,330 6,014 (684) 5,608 (278)
NPL coverage ratio 54 % 54 % - 54% -
Net foreclosed available for sale real estate assets2 914 740 174 863 51
Foreclosed available for sale real estate assets coverage ratio 39 % 39 % - 39% -
LIQUIDITY       
Total Liquid Assets
89,442 79,530 9,912 87,574 1,868
Liquidity Coverage Ratio (last 12 months) 190 % 196 % (6) 195 % (5)
Net Stable Funding Ratio (NSFR)  124 % 117 % 7 124 % -
Loan to deposits 100 % 105 % (5) 100 % -
CAPITAL ADEQUACY
Common Equity Tier 1 (CET1) 11.7 %  11.5 % 0.2 11.6% 0.1
Tier 1 13.2 % 13.0 %  0.2 13.1% 0.1
Total capital 15.3 % 15.3 % - 15.3% -
MREL 21.4 % 18.9 % 2.5 21.1 % 0.3
Risk-Weighted Assets (RWAs) 149,245 145,942 3,303 147,331 1,914
Leverage Ratio 5.6 % 5.5 % 0.1 5.5% 0.1
SHARE INFORMATION
Share price (€/share) 2.410 3.164 (0.754) 2.518 (0.108)
Market capitalization 14,408 18,916 (4,508) 15,053 (645)
Book value per share (€/share) 4.13 4.02 0.11 4.01 0.12
Tangible book value (€/share) 3.42 3.30 0.12 3.30 0.12
Net income attributable per share (€/share) (12 months) 0.23 0.32 (0.09) 0.20 0.03
PER (Price / Profit) 10.60 9.95 0.65 12.60 (2.00)
Tangible PBV (Market Value / book value of tangible assets) 0.70 0.96 (0.26) 0.76 (0.06)
OTHER DATA (units)
Employees 35,669 37,440 (1,771) 37,510 (1,841)
Branches3 4,733 5,103 (370) 4,916 (183)

(1)    ROTE without extraordinary expenses at 30 September 2019 is 10.1 %. As of 2019, ROTE and ROE calculation includes valuation adjustments in the denominator, 2018 re-expressed.

(2)    Exposure in Spain.

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