Corporate information

Key data

Datos más relevantes del grupo ”la Caixa”

  January - December Year-on-year 4Q19 Quarter-on-quarter
INCOME STATEMENT 2019 2018
€ million / %        
Net interest income 4,951 4,907 0.9 % 1,231 (0.9 %)
Net fee and commission income 2,598 2,583 0.6 % 694 5.7 %
Core income 8,316 8,217 1.2 % 2,115 (0.1 %)
Gross income 8,605 8,767 (1.8 %) 1,995 (7.9 %)
Recurring administrative expenses,
depreciation and amortisation
(4,771) (4,634) 2.9 % (1,174) (1.3 %)
Pre-impairment income 2,855 4,109 (30.5 %) 820 (16.0 %) 
Pre-impairment income stripping
out extraordinary expenses
3,834 4,133 (7.2 %) 821 (15.9 %)
Profit/(loss) attributable to the Group 1,705 1,985 (14.1 %) 439 (31.8 %)
       
INDICATORS OF PROFITABILITY
(last 12 months)
Cost-to-income-ratio 66.8 % 53.1 % 13.7 66.8 % (1.1) 
Cost-to-income ratio stripping
out extraordinary expenses
55.4 % 52.9 % 2.5 55.4 % (0.8) 
ROE1 6.4 % 7.8 % (1.4) 6.4 % 0.9
ROTE1 7.7 % 9.5 % (1.8) 7.7 % 1.0
ROA 0.4 % 0.5 % (0.1) 0.4 % 0.1
RORWA 1.1 % 1.3 % (0.2) 1.1 % 0.2

 
December 2019 December
2018
Year-to-date September 2019 Quarter-on-quarter
BALANCE SHEET      
Total assets1 391,414 386,546 1.3 % 413,048 (5.2 %)
Equity1 25,151 24,364 3.2 % 25,029 0.5 %
Customer funds1 384,286 359,549 6.9 % 382,356 0.5 %
Loans and advances to customers, gross 227,406 224,693 1.2 % 227,876
(0.2 %)
RISK MANAGEMENT
Non-performing loans (NPL) 8,794 11,195 (2,401) 9,953 (1,159)
Non-performing loan ratio 3.6 % 4.7 % (1.1) 4.1 % (0.5)
Cost of risk (last 12 months) 0.15 % 0.04 % 0.11 0.14 % 0.01
Provisions for insolvency risk 4,863 6,014 (1,151) 5,330 (467)
NPL coverage ratio 55 % 54 %  1 54 % 1
Net foreclosed available for sale real estate assets2 958 740 218 914 44
Foreclosed available for sale real estate assets coverage ratio 39 % 39 % - 39 % -
LIQUIDITY       
Total liquid assets
89,427 79,530 9,897 89,442 (15)
Liquidity Coverage Ratio (last 12 months) 186 % 196 % (10) 190 % (4)
Net Stable Funding Ratio (NSFR)  129 % 117 % 12 124 % 5
Loan to deposits 100 % 105 % (5) 100 % -
CAPITAL ADEQUACY
Common Equity Tier 1 (CET1) 12.0 %  11.5 % 0.5 11.7 % 0.3
Tier 1 13.5 % 13.0 %  0.5 13.2 % 0.3
Total capital 15.7 % 15.3 % 0.4 15.3 % 0.4
MREL 21.9 % 18.9 % 3.0 21.4 % 0.5
Risk-Weighted Assets (RWAs) 147,832 145,942 1,890 149,332 (1,500)
Leverage Ratio 5.9 % 5.5 % 0.4 5.6 % 0.3
SHARE INFORMATION
Share price (€/share) 2.798 3.164 (0.366) 2.410 0.388
Market capitalization 16,727 18,916 (2,189) 14,408 2,319
Book value per share1 (€/share) 4.20 4.07 0.13 4.18 0.02
Tangible book value1 (€/share) 3.49 3.36 0.13 3.48 0.01
Net income attributable per share (€/share) (12 months) 0.26 0.32 (0.06) 0.23 0.03
PER (Price / Profit) 10.64 9.95 0.69 10.60 0.04
Tangible PBV1 (Market Value / book value of tangible assets) 0.80 0.94 (0.14) 0.69 0.11
OTHER DATA (units)
Employees 35,736 37,440 (1,704) 35,669 67
Branches3 4,595 5,103 (508) 4,733 (138)

(1)    The ROTE and ROE calculation for 2019 includes valuation adjustments in the denominator, restating the figure published in 2018.

A change of accounting policy associated with the recognition of certain defined benefit commitments led to restating assets, customer funds, equity, profitability and share ratios of previous periods.

(2)    Exposure in Spain.

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