Corporate information

Key data

Datos más relevantes del grupo ”la Caixa”

  January - March Year-on- year 4Q18 Quarter-on- quarter
INCOME STATEMENT 2019 2018
€ million / %        
Net interest income 1,237 1,203 2.9 %  1,236 0.1 %
Net fee and commission income 612 625 (2.2 %) 645 (5.2 %)
Gross income 2,109 2,262 (6.8 %) 1,866 13.0 %
Recurring administrative expenses,
depreciation and amortisation
(1,204) (1,149) 4.7 % (1,168) 3.1 %
Pre-impairment income 905 1,110  (18.5 %) 685 32.2 %
Profit/(loss) attributable to the Group 533 704  (24.3 %) 217 -
       
INDICATORS OF PROFITABILITY
(last 12 months)
Cost-to-income ratio 54.7 % 53.9 % 0.8 53.1 % 1.60 
Cost-to-income ratio stripping
out extraordinary expenses
54.4 % 52.7 % 1.7 52.9 % 1.50 
ROE1 7.1 % 8.1 % (1.0) 7.9 % (0.8)
ROTE1 8.7 % 9.8 % (1.1) 9.6 % (0.9)
ROA 0.4 % 0.5 % (0.1) 0.5 % (0.1)
RORWA 1.2 % 1.3 % (0.1) 1.3 % (0.1)

 
ALTRES INDICADORS March 2019 December
2018
Year-to-date
BALANCE SHEET      
Total assets 404,136 386,622 4.5 %
Equity 24,750 24,058 2.9 %
Costumer funds 369,463 358,482 3.1 %
Loans and advances to costumers, gross 226,432 224,693 0.8 %
RISK MANAGEMENT
Non-performing loans (NPL) 10,983 11,195 (212)
Non-performing loan ratio 4.6 % 4.7 % (0.1)
Cost of risk (last 12 months) 0.03 % 0.04 % (0.01)
Provisions for insolvency risk 5,908 6,014 (106)
NPL coverage ratio 54 % 54 % -
Net foreclosed available for sale real estate assets2 813 740 73
Foreclosed available for sale real estate assets coverage ratio 39 % 39 % -
LIQUIDITY  
Total Liquid Assets 86,018 79,530 6,488
Liquidity Coverage Ratio (last 12 months) 198 % 196 % 2
Net Stable Funding Ratio (NSFR)  121 % 117 % 4
Loan to deposits 102 % 105 % (3)
CAPITAL ADEQUACY
Common Equity Tier 1 (CET1) 11.6 %  11.5 % 0.1
Tier 1 13.1 % 13.0 %  0.1
Total capital3 15.3 % 15.3 % -
Risk-Weighted Assets (RWAs)3 148,777 145,942 2,835
Leverage ratio 5.5 % 5.5 % -
SHARE INFORMATION
Share price (€/share) 2.784 3.164 (0.380)
Market capitalization 16,642 18,916 (2,274)
Book value per share (€/share) 4.14 4.02 0.12
Tangible book value per share (€/share) 3.42 3.30 0.12
Net income attributable per share(€/share) (12 months) 0.29 0.32 (0.03)
PER (Price/Profit) 9.68 9.95 (0.27)
Tangible PBV (Market value/ book value of tangible assets) 0.81 0.96 (0.15)
OTHER DATA (units)
Employees 37,503 37,440 63
Branches4 5,033 5,103 (70)

(1)    As of 2019, ROTE and ROE calculation includes valuation adjustments in the denominator, 2018 re-expressed. 

(2)    Exposure in Spain. 

(3)    Data at December 2018 updated using the latest official information.

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