Corporate information

Key data

Datos más relevantes del grupo ”la Caixa”

  January - March Change
€ million / % 2020 2019
INCOME STATEMENT  
Net interest income 1,200 1,237 (3.0%)
Net fee and commission income 658 612 7.6%
Core income 2,045 2,027 0.9%
Gross income 1,983 2,109 (6.0%)
Recurring administrative expenses, depreciation and amortisation (1,188) (1,204) (1.3%)
Pre-impairment income 796 905 (12.1%)
Pre-impairment income stripping out extraordinary expenses 796 905 (12.1%)
Profit/(loss) attributable to the Group 90 533 (83.2%)
       
INDICATORS OF PROFITABILITY (last 12 months)
Cost-to-income ratio 67.6% 54.7% 12.9
Cost-to-income ratio stripping out extraordinary expenses 56.1% 54.4% 1.7
ROE 4.5% 7.1% (2.6)
ROTE 5.4% 8.5% (3.1)
ROA 0.3% 0.4% (0.1)
RORWA 0.8% 1.2% (0.4)

 
March 2020 December
2019
Change
BALANCE SHEET      
Total assets 416,391 391,414 6.4%
Equity 24,217 25,151 (3.7%)
Customer funds 376,560 384,286 (2.0%)
Loans and advances to customers, gross 231,367 227,406 1.7%
RISK MANAGEMENT
Non-performing loans (NPL) 8,957 8,794 163
Non-performing loan ratio 3.6% 3.6% (0.0)
Cost of risk (last 12 months) 0.31% 0.15% 0.16
Provisions for insolvency risk 5,218 4,863 355
NPL coverage ratio 58% 55% 3
Net foreclosed available for sale real estate assets1 961 958 3
Foreclosed available for sale real estate assets coverage ratio 40% 39% 1
LIQUIDITY       
Total liquid assets 96,227 89,427 6,800
Liquidity Coverage Ratio (last 12 months) 185% 186% (1)
Net Stable Funding Ratio (NSFR)  129% 129%
Loan to deposits 101% 100% 1
CAPITAL ADEQUACY
Common Equity Tier 1 (CET1) 12.0% 12.0% -
Tier 1 13.5% 13.5% -
Total capital 15.8% 15.7% 0.1
MREL2 22.6% 21.8% 0.8
Risk-Weighted Assets (RWAs)2   147,822 147,880 (58)
Leverage Ratio 5.4% 5.9% (0.5)
SHARE INFORMATION
Share price (€/share) 1.700 2.798 (1.098)
Market capitalisation 10,161 16,727 (6,566)
Book value per share (€/share)   4.05   4.20 (0.15)
Tangible book value per share (€/share)   3.33   3.49 (0.16)
Net income attributable per share (€/share) (12 months)   0.19   0.26 (0.07)
PER (Price/Profit)   9.11   10.64 (1.53)
Tangible PBV (Market value/ book value of tangible assets)   0.51   0.80 (0.29)
OTHER DATA (units)
Employees3 35,569 35,736 (167)
Branches4 4,515 4,595 (80)
of which: retail branches in Spain 3,846 3,918 (72)

(1)    Exposure in Spain.

(2)    December 2019 data updated with COREP.

(3)    Departures within the early retirement scheme implemented on 1 April have been deducted.

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