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Corporate information

Key data

Datos más relevantes del grupo ”la Caixa”

 January - SeptemberAnnual change3Q16Quartely change
Income statement headings
20162015
(€ million)        
Net interest income 3,080 3,308 (6.9 %)  1,039 1.8 %
Fees and commissions 1,546 1,600 (3.4 %) 536 2.7 %
Gross income 5,939 6,356 (6.6 %) 1,890 (11.2 %)
Recurring expenses (2,997) (3,066) (2.2 %) (995) (0.4 %)
Pre-impairment income stripping out extraordinary expenses 2,942 3,290 (10.6 %) 895 (20.7 %)
Pre-impairment income 2,821 2,747 2.7 % 774 (31.4 %)
Profit/(loss) before tax 1,314 905 45.2 % 426 (16.8 %)
Profit/(loss) attributable to the Group 970 996 (2.6 %) 332 (9.1 %)

 
Balance sheetSeptember 2016June 2016December 2015Quaterly changeAnnual change
(€ million)      
Total assets 342,863 353,109 344,255 (2.9 %) (0.4 %)
Equity 23,555 22,161 25,205 6.3 % (6.5 %)
Customer funds 299,673 304,465 296,599 (1.6%) 1.0 %
Loans and advances to customers, gross 205,100 208,486 206,437 (1.6%) (0.6 %)
Efficiency and profitability (last 12 months)1September 2016June 2016December 2015Quaterly changeAnnual change
Cost-to-income ratio (total expenses/ gross income) 54.9 % 54.2 % 58.9 % 0.7 (4.0)
Cost-to-income ratio stripping out extraordinary expenses
53.3 % 54.2 % 51.9 % (0.9) 1.4
ROE (profit/(loss) attributable to the Group/ average equity) 3.7 % 3.4 % 3.4 % 0.3 0.3
ROTE (profit/(loss)attributable to the Group / average tangible equity) 4.6 % 4.3 % 4.3 % 0.3 0.3
ROA (net profit /average total assets) 0.3 % 0.2 % 0.2 % 0.1 0.1
RORWA (net profit/risk-weighted assets) 0.6 % 0.5 % 0.6 % 0.0 0.0
Risk management
September 2016June 2016December 2015Quaterly changeAnnual change
Non-performing loans (NPL) 15,199 16,097 17,100 (898) (1,901)
Non-performing loan ratio 7.1 % 7.3 % 7.9 % (0.2) (0.8)
Non-performing loan ratio stripping out real estate developers 6.0 % 6.0 % 6.2 % 0.0 (0.2)
Cost of risk 0.4 % 0.4 % 0.7 % 0.0 (0.3)
Provisions for non-performing loans 7,934 8,489 9,512 (555) (1,578)
NPL coverage ratio 52 % 53 % 56 % (1) (4)
Net foreclosed available for sale real estate assets 7,071 7,122 7,259 (51) (188)
Foreclosed available for sale real estate assets coverage ratio 58 % 58 % 58 % 0 0
LiquiditySeptember 2016June 2016December 2015Quaterly changeAnnual change
(€ million)       
Liquid assets2 52,553 58,322 62,707 (5,769) (10,154)
Loan to deposits 109.3 % 104.8 % 106.1 % 4.5 3.2
Liquidity Coverage Ratio 174% 159 %   172 % 15 2
Capital Adequacy
September 2016June 2016December 2015Quaterly changeAnnual change
(€ million)  
Common Equity Tier 1 (CET1) 13.4 % 12.3 % 12.9 % 1.1 0.5
Total capital 16.6 % 15.5 % 15.9 % 1.1 0.7
Risk-weighted assets (RWAs) 135,922 135,787 143,312 135 (7,390)
Leverage Ratio 6.0 % 5.3 % 5.7 % 0.7 0.3
Fully loaded Common Equity Tier 1 (CET1) 12.6 % 11.5 % 11.6 % 1.1 1.0
Share information
September 2016June 2016December 2015Quaterly changeAnnual change
Share price (€/share) 2,249 1,967 3,214 0.282 (0.965)
Market capitalization 13,283 10,466 18,702 2,817 (5,419)
Book value per share (€/share) 3.98 4.16 4.33 (0.18) (0.35)
Tangible book value per share (€/share) 3.30 3.40 3.47 (0.10) (0.17)
Number of outstanding shares excluding treasury stock (millions) 5,906 5,321 5,819 585 87
Net income attributable per share (EPS) (€/share) (12 months) 0.14 0.13 0.14 0.01 0.00
Average number of shares excluding treasury stock (millions) (12 months) 5,771 5,861 5,820 (90) (49)
PER (Price/Profit) 16.46 15.49 22.97 0.97 (6.51)
Tangible PBV (Market value/ book value of tangible assets) 0.68 0.58 0.93 0.10 (0.25)
Banking Business and resources (Units)September 2016June 2016December 2015Quaterly changeAnnual change
Customers (millions) 13.8 13.8 13.8 0.0 0.0
CaixaBank Group Employees 32,315 32,142 32,242 173 73
Branches in Spain
5,089 5,131 5,211 (42) (122)
ATMs 9,476 9,517 9,631 (41) (155)

(1) The cost-to-income and profit ratios for 2Q16 (12 months) do not include the contribution to the National Resolution Fund for 4Q15 (€93 million) so as to avoid overlap with the 2Q16 contribution to the SRF (€74 million).

(2) The Amendment to the definition of bank liquidity compared to previous quarters. In line with regulatory standards bank liquidity is now defined as the sum of the High Quality Liquid Assets (HQLAs) plus the unused ECB discount facility not already included in HQLAs.