Do not show this message again

Corporate information

Key data

Datos más relevantes del grupo ”la Caixa”

 January - DecemberAnnual
Change
4Q16Quarterly Change
INCOME STATEMENT HEADINGS
20162015
€ million        
Net interest income 4,157 4,353 (4.5 %)  1,077 3.5 %
Fees and commissions 2,090 2,115 (1.2 %) 544 1.6 %
Gross income  7,827 7,824 0.0 % 1,888 (0.1 %)
Recurring expenses (3,995) (4,063) (1.7 %) (998) 0.2 %
Pre-impairment income stripping out extraordinary expenses 3,832  3,761  1.9 % 890 (0.4 %)
Pre-impairment income  3,711 3,218  15.3 % 890 15.1 %
Profit/(loss) before tax  1,538 638 141.0 % 224 (47.3 %)
Profit/(loss) attributable to the Group 1,047 814 28.6 % 77 (76.9 %)

 
Balance SheetDecember 2016September 2016December 2015Quarterly ChangeAnnual Change
€ million      
Total assets 347,927 342,863 344,255 1.5 % 1.1 %
Equity 23,556 23,555 25,205 0.0 % (6.5 %)
Customer funds  303,895 299,673 296,599 1.4 % 2.5 %
Loans and advances to customers, gross 204,857 205,100 206,437 (0.1 %) (0.8 %)
Efficiency and Profitability (last 12 months)December  2016September 2016December  2015Quarterly ChangeAnnual Change
Cost-to-income ratio  52.6 % 54.9 % 58.9 % (2.3) (6.3)
Cost-to-income ratio stripping out extraordinary expenses
51.0 % 53.3 % 51.9 % (2.3) (0.9)
ROE  4.5 % 3.7 % 3.4 % 0.8 1.1
ROTE 5.6 % 4.6 % 4.3 % 1.0 1.3
ROA 0.3 % 0.3 % 0.2 % 0.0 0.1
RORWA 0.8 % 0.6 % 0.6 % 0.2 0.2
Risk Management
December 2016September 2016December 2015Quarterly ChangeAnnual Change
Non-performing loans (NPL)  14,754 15,199 17,100 (445) (2,346)
Non-performing loan ratio 6.9 % 7.1 % 7.9 % (0.2) (1.0)
Non-performing loan ratio stripping out real estate developers 5.9 % 6.0 % 6.2 % (0.1) (0.3)
Cost ok risk(1) 0.46 % 0.42 % 0.73 % 0.04 (0.27)
Provisions for non-performing loans 6,880 7,934 9,512 (1,054) (2,632)
NPL coverage ratio 47 % 52 % 56 % (5) (9)
Net foreclosed available for sale real estate assets 6,256 7,071 7,259 (815) (1,003)
Foreclosed available for sale real estate assets coverage ratio  60 % 55 % 55 % 5 5
LiquidityDecember 2016September 2016December 2015Quarterly ChangeAnnual Change
€ million       
High Quality Liquid assets
50,408 52,553 62,707 (2,145) (12,299)
Loan to deposits 110.9 % 109.3 % 106.1 % 1.6 4.8
Liquidity Coverage Ratio 160 % 174 %   172 % (14) (12)
Capital Adequacy
December 2016September 2016December 2015Quarterly ChangeAnnual Change
€ million  
Common Equity Tier 1 (CET1)  13.2 % 13.4 % 12.9 % (0.2)  0.3
Total Capital 16.1 % 16.6 % 15.9 % (0.5) 0.2
Risk-weighted assets (RWAs) 134,953 135,922 143,312 (969) (8,359)
Leverage Ratio 5.7 % 6.0 % 5.7 % (0.3) 0.0
Fully loaded Common Equity Tier 1 (CET1)  12.4 % 12.6 % 11.6 % (0.2)  0.8
Share Information
December 2016September 2016December 2015Quarterly ChangeAnnual Change
Share price (€/share)  3.140 2.249 3.214 0.891 (0.074)
Market capitalization  18,768 13,283 18,702 5,485 66
Book value per share (€/share) 3.94 3.98 4.33 (0.04) (0.39)
Tangible book value per share (€/share)  3.26 3.30 3.47 (0.04) (0.21)
Number of outstanding shares excluding treasury stock (millions) 5,977  5,906 5,819 71 158
Net income attributable per share (€/share) (12 months) 0.18 0.14 0.14 0.04 0.04
Average number of shares excluding treasury stock (millions) (12 months)  5,842 5,771 5,820 71 22
PER (Price/Profit)  17.52 16.46 22.97 1.06 (5.45)
Tangible PBV (Market value/ book value of tangible assets) 0.96 0.68 0.93 0.28 0.03
Banking Business and Resources (Units)December 2016September 2016December 2015Quarterly ChangeAnnual Change
Customers (millions)  13.8 13.8 13.8 0.0 0.0
CaixaBank Group Employees 32,403 32,315 32,242 88 161
Branches in Spain 
5,027 5,089 5,211 (62) (184)
Of which: retail branches 4,851  4,914 5,034  (63) (183)
ATMs 9,479 9,476 9,631 3 (152)

(1) The ratio for December of 2016 excludes the release of provisions carried out in the fourth quarter of 2016 .