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Corporate information

Key data

Datos más relevantes del grupo ”la Caixa”

  January-
December
Year-on-year 4Q18 Quarter-on-quarter
INCOME STATEMENT 2018 2017
€ million/ %        
Net interest income 4,907 4,746 3.4 %  1,236 (0.2%)
Net fee and commission income 2,583 2,499 3.4 % 645 -
Gross income 8,767 8,222 6.6 % 1,866 (17.0 %)
Recurring administrative expenses, depreciation and
amortisation
(4,634) (4,467) 3.7 % (1,168) 0.5 %
Pre-impairment income stripping out extraordinary
expenses
4,133  3,755  10.1 % 698 (35.7 %)
Pre-impairment income 4,109 3,645  12.7 % 685 (36.8 %)
Profit/(loss) attributable to the Group 1,985 1,684 17.8 % 217 (54.0 %)
       
INDICATORS OF PROFITABILITY (Last 12 months)
Cost-to-income ratio 53.1 % 55.7 % (2.6) 53.1 % (0.2)
Cost-to-income ratio stripping out extraordinary expenses 52.9 % 54.3 % (1.4) 52.9 % (0.3)
ROE 7.7 % 6.9 % 0.8 7.7 % -
ROTE 9.3 % 8.4 % 0.9 9.3 % (0.1)
ROA 0.5 % 0.5 % - 0.5 % -
RORWA 1.3 % 1.1 % 0.2 1.3 % -

 
OTHER INDICATORS December Year-to-date September 2018 Quarter-on-quarter
2018 2017
BALANCE SHEET      
Total assets 386,622 383,186 0.9 % 387,751 (0.3 %)
Equity 24,058 24,683 (2.5 %) 24,353 (1.2 %)
Customer funds 358,482 349,458 2.6 % 363,621 (1.4 %)
Loans and advances to costumers, gross 224,693 223,951 0.3 % 223,465 0.5 %
RISK MANAGEMENT
Non-performing loans (NPL) 11,195 14,305 (3,110) 12,116 (921)
Non-performing loan ratio 4.7 % 6.0 % (1.3) 5.1 % (0.4)
Cost of risk (last 12 months) 0.04 % 0.34 % (0.30) 0.08 % (0.04)
Provisions for insolvency risk 6,014 7,135 (1,121) 6,579 (565)
NPL coverage ratio 54 % 50 % 4 54 % -
Net foreclosed available for sale real estate assets1 740 5,878 (5,138) 5,346 (4,606)
Foreclosed available for sale real estate assets coverage ratio 39 % 58 % (19) 59 % (20)
LIQUIDITY       
Total Liquid Assets 79,530 72,775 6,755 76,079 3,451
Loan to deposits 105 % 108 % (3) 104 % 1
Liquidity Coverage Ratio (last 12 months) 196 % 185 %  11 193 % 3
CAPITAL ADEQUACY
Fully-loaded Common Equity Tier 1 (CET1) 11.5 % 11.7 % (0.2)  11.4 % 0.1
Fully-loaded Tier 1 13.0 % 12.3 % 0.7 12.9 %  0.1
Fully-loaded total capital 15.2 % 15.7 % (0.5) 15.2 % -
Fully-loaded Risk- Weighted Assets (RWAs) 146,524 148,626 (2,102) 148,826 (2.302)
Fully-loaded leverage ratio 5.5 % 5.3 % 0.2 5.6 % (0.1)
SHARE INFORMATION
Share price (€/share) 3.164 3.889 (0.725) 3.938 (0.774)
Market capitalization 18,916 23,248 (4,332) 23,544 (4,628)
Book value per share (€/share) 4.02 4.06 (0.04) 4.04 (0.02)
Tangible book value per share (€/share) 3.30 3.35 (0.05) 3.33 (0.03)
Net income attributable per share (€/share) (12 months) 0.32  0.28 0.04 0.32 -
PER (Price/Profit) 9.95 14.02 (4.07) 12.44 (2.49)
Tangible PBV (Market value/book value of tangible assets) 0.96 1.16 (0.20) 1.18 (0.22)
OTHER DATA (units)
Employees 37,440 36,972 468 37,511 (71)
Branches2 5,103 5,379 (276) 5,176 (73)

(1)    Exposure in Spain.

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