Corporate information

Key data

Datos más relevantes del grupo ”la Caixa”

  January - June Year-on- year 2Q19 Quarter-on- quarter
INCOME STATEMENT 2019 2018
€ million / %        
Net interest income 2,478 2,432 1.9 % 1,241 0.2 %
Net fee and commission income 1,248 1,293 (3.5 %) 636 4.0 %
Gross income 4,445 4,654 (4.5 %) 2,336 10.8 %
Recurring administrative expenses,
depreciation and amortisation
(2,408) (2,304) 4.5 % (1,204) -
Pre-impairment income 1,059 2,342 (54.8 %) 154 (83.0 %)
Pre-impairment income stripping
out extraordinary expenses
2,037 2,350 (13.3 %) 1,132 25.0 %
Profit/(loss) attributable to the Group 622 1,298
(52.1 %) 89 (83.4 %)
       
INDICATORS OF PROFITABILITY
(last 12 months)
Cost-to-income ratio 67.0 % 53.1 % 13.9 67.0 % 12.3 
Cost-to-income ratio stripping
out extraordinary expenses
55.4 % 53.0 % 2.4 55.4 % 1.0 
ROE1 4.9 % 8.6 % (3.7) 4.9 % (2.2)
ROTE1 6.0 % 10.5 % (4.5) 6.0 % (2.7)
ROA 0.3 % 0.6 % (0.3) 0.3 % (0.1)
RORWA 0.8 % 1.4 % (0.6) 0.8 % (0.4)

 
OTHER INDICATORS June 2019 December
2018
Year-to-date March 2019 Quarter-on-quarter
BALANCE SHEET      
Total assets 406,007 386,622 5.0 % 404,136 0.5%
Equity 23,984 24,058 (0.3 %) 24,750 (3.1%)
Costumer funds 380,864 358,482 6.2 % 369,463 3.1%
Loans and advances to costumers, gross 230,867 224,693 2.7 % 226,432 2.0%
RISK MANAGEMENT
Non-performing loans (NPL) 10,402 11,195 (793) 10,983 (581)
Non-performing loan ratio 4.2 % 4.7 % (0.5) 4.6% (0.4)
Cost of risk (last 12 months) 0.02 % 0.04 % (0.02) 0.03% (0.01)
Provisions for insolvency risk 5,608 6,014 (406) 5,908 (300)
NPL coverage ratio 54 % 54 % - 54% -
Net foreclosed available for sale real estate assets2 863 740 123 813 50
Foreclosed available for sale real estate assets coverage ratio 39 % 39 % - 39% -
LIQUIDITY       
Total Liquid Assets
87,574 79,530 8,044 86,018 1,556
Liquidity Coverage Ratio (last 12 months) 195 % 196 % (1) 198% (3)
Net Stable Funding Ratio (NSFR)  124 % 117 % 7 121% 3
Loan to deposits 100 % 105 % (5) 102% (2)
CAPITAL ADEQUACY
Common Equity Tier 1 (CET1) 11.6 %  11.5 % 0.1 11.6% -
Tier 1 13.1 % 13.0 %  0.1 13.1% -
Total capital3 15.3 % 15.3 % - 15.3% -
MREL 21.2 % 18.9 % 2.3 20.2% 1.0
Risk-Weighted Assets (RWAs)3 147,184 145,942 1,242 148,777 (1,593)
Leverage Ratio 5.5 % 5.5 % - 5.5% -
SHARE INFORMATION
Share price (€/share) 2.518 3.164 (0.646) 2.784 (0.266)
Market capitalization 15,053 18,916 (3,863) 16,642 (1,589)
Book value per share (€/share) 4.01 4.02 (0.01) 4.14 (0.13)
Tangible book value per share (€/share) 3.30 3.30 - 3.42 (0.12)
Net income attributable per share(€/share) (12 months) 0.20 0.32 (0.12) 0.29 (0.09)
PER (Price/Profit) 12.60 9.95 2.65 9.68 2.92
Tangible PBV (Market value/ book value of tangible assets) 0.76 0.96 (0.20) 0.81 (0.05)
OTHER DATA (units)
Employees 37,510 37,440 70 37,503 7
Branches4 4,916 5,103 (187) 5,033 (117)

(1)    As of 2019, ROTE and ROE calculation includes valuation adjustments in the denominator, 2018 re-expressed. ROTE without extraordinary expenses at 30 June 2019 is 9.4%.

(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.