Corporate information

Key data

Datos más relevantes del grupo ”la Caixa”

  January - June Change
€ million / % 2020 2019
INCOME STATEMENT  
Net interest income 2,425 2,478 (2.1%)
Net fee and commission income 1,266 1,248 1.5%
Core income 4,064 4,084 (0.5%)
Gross income 4,117 4,445 (7.4%)
Recurring administrative expenses, depreciation and amortisation (2,345) (2,408) (2.6%)
Pre-impairment income 1,772 1,059 67.4%
Pre-impairment income stripping out extraordinary expenses 1,772 2,037 (13.0%)
Profit/(loss) attributable to the Group 205 622 (67.0%)
       
INDICATORS OF PROFITABILITY (last 12 months)
Cost-to-income ratio 56.9% 67.0% (10.1)
Cost-to-income ratio stripping out extraordinary expenses 56.9% 55.4% 1.5
ROE 4.7% 4.9% (0.2)
ROTE 5.6% 5.9% (0.3)
ROA 0.3% 0.3% -
RORWA 0.8% 0.8% -

 
June 2020 December
2019
Change
BALANCE SHEET      
Total assets 445,572 391,414 13.8%
Equity 24,393 25,151 (3.0%)
Customer funds 400,675 384,286 4.3%
Loans and advances to customers, gross 242,956 227,406 6.8%
RISK MANAGEMENT
Non-performing loans (NPL) 9,220 8.794 426
Non-performing loan ratio 3.5% 3,6% (0.1)
Cost of risk (last 12 months) 0.61% 0,15% 0.46
Provisions for insolvency risk 5,786 4.863 923
NPL coverage ratio 63% 55% 8
Net foreclosed available for sale real estate assets1 973 958 15
Foreclosed available for sale real estate assets coverage ratio 40% 39% 1
LIQUIDITY       
Total liquid assets 106,609 89,427 17,182
Liquidity Coverage Ratio (last 12 months) 198% 186% 12
Net Stable Funding Ratio (NSFR) 140% 129% 11
Loan to deposits 99% 100% (1)
CAPITAL ADEQUACY
Common Equity Tier 1 (CET1)2 12.3% 12.0% 0.3
Tier 1 13.8% 13.5% 0.3
Total capital 16.0% 15.7% 0.3
MREL3 23.3% 21.8% 1.5
Risk-Weighted Assets (RWAs)4 147,334 147,880 (546)
Leverage Ratio 5.1% 5.9% (0.8)
SHARE INFORMATION
Share price (€/share) 1.901 2.798 (0.897)
Market capitalisation 11,360 16,727 (5,367)
Book value per share (€/share) 4.08   4.20 (0.12)
Tangible book value per share (€/share) 3.36   3.49 (0.13)
Net income attributable per share (€/share) (12 months) 0.19   0.26 (0.07)
PER (Price/Profit) 9.83   10.64 (0.81)
Tangible PBV (Market value/ book value of tangible assets) 0.57   0.80 (0.23)
OTHER DATA (units)
Employees5 35,589 35,736 (147)
Branches6 4,460 4,595 (135)
of which: retail branches in Spain 3,797 3,918 (121)

(1)    Exposure in Spain.

(2)    The CET1 ratio without applying the IFRS 9 transitional period stands at 11.8%.

(3)    Pro-forma ratio 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)    March 2020 details updated with COREP.

(5)    Departures that took place on 1 April within the early retirement scheme have been deducted from the figure of March 2020.

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