Caixabank (Go to Home)
Print pageKey figures
These are our key details and figures, collected in our last presentation of results:
| January - December | Change | 4Q24 | Quarterly change | ||
|---|---|---|---|---|---|
| € million / % | 2024 | 2023 | |||
| PROFIT/(LOSS) | |||||
| Net interest income | 11,108 | 10,113 | 9.8 % | 2,741 | (1.9) % |
| Revenues from services | 4,995 | 4,776 | 4.6 % | 1,321 | 7.8 % |
| Gross income | 15,873 | 14,231 | 11.5 % | 4,080 | (0.3) % |
| Administrative expenses, depreciation and amortisation | (6,108) | (5,822) | 4.9 % | (1,545) | 0.7 % |
| Pre-impairment income | 9,765 | 8,410 | 16.1 % | 2,535 | (0.9) % |
| Profit/(loss) attributable to the Group | 5,787 | 4,816 | 20.2 % | 1,539 | (2.2) % |
| MAIN RATIOS (Last 12 months) | ||||||
|---|---|---|---|---|---|---|
| Cost-to-income ratio | 38.5 % | 40.9 % | (2.4) | 38.5 % | (0.7) | |
| Cost of risk | 0.27 % | 0.28 % | (0.01) | 0.27 % | (0.01) | |
| ROE |
15.4 % | 13.2 % | 2.2 | 15.4 % | 1.0 | |
| ROTE |
18.1 % | 15.6 % | 2.4 | 18.1 % | 1.1 | |
| ROA | 0.9 % | 0.7 % | 0.2 | 0.9 % | 0.1 | |
| RORWA | 2.4 % | 2.1 % | 0.3 | 2.4 % | 0.1 | |
| December | December | Change | September | Quarterly change | |
|---|---|---|---|---|---|
| 2024 | 2023 | 2024 | |||
| BALANCE SHEET (€ Million) | |||||
| Total assets | 631,003 | 607,167 | 3.9 % | 635,782 | (0.8) % |
| Equity | 36,865 | 36,339 | 1.4 % | 37,013 | (0.4) % |
| BUSINESS ACTIVITY (€ Million) | |||||
|---|---|---|---|---|---|
| Customer funds | 685,365 | 630,330 | 8.7 % | 673,832 | 1.7 % |
| Loans and advances to customers, gross | 361,214 | 354,098 | 2.0 % | 354,507 | 1.9 % |
| RISK MANAGEMENT (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Non-performing loans (NPL) | 10,235 | 10,516 | (280) | 10,352 | (116) |
| Non-performing loan ratio | 2.6 % | 2.7 % | (0.1) | 2.7 % | (0.1) |
| Provisions for insolvency risk | 7,016 | 7,665 | (649) | 7,298 | (282) |
| NPL coverage ratio | 69 % | 73 % | (4) | 71 % | (2) |
| Net foreclosed available for sale real estate assets | 1,422 | 1,582 | (160) | 1,498 | (76) |
| LIQUIDITY (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Total Liquid Assets | 170,723 | 160,204 | 10,520 | 178,487 | (7,764) |
| Liquidity Coverage Ratio | 207 % | 215 % | (9) | 213 % | (6) |
| Net Stable Funding Ratio (NSFR) | 146 % | 144 % | 3 | 148 % | (2) |
| Loan to deposits | 86 % | 89 % |
(4) |
85 % | 0 |
| CAPITAL ADEQUACY (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Common Equity Tier 1 (CET1) | 12.2 % | 12.4 % | (0.2) | 12.2 % | (0.0) |
| Tier 1 | 14.0 % | 14.4 % | (0.4) | 14.1 % | (0.1) |
| Total capital | 16.6 % | 17.1 % | (0.5) | 16.8 % | (0.2) |
| MREL | 28.1 % | 26.8 % | 1.2 | 28.3 % | (0.2) |
| Risk-Weighted Assets (RWAs) | 237,978 | 228,428 | 9,550 | 232,032 | 5,945 |
| Leverage Ratio | 5.7 % | 5.8 % | (0.2) | 5.5 % | 0.1 |
| SHARE INFORMATION | |||||
|---|---|---|---|---|---|
| Share price (€/share) | 5.236 | 3.726 | 1.510 | 5.364 | (0.128) |
| Market capitalisation | 37,269 | 27,450 | 9,819 | 38,742 | (1,473) |
| Book value per share (€/share) | 5.17 | 4.93 | 0.25 | 5.12 | 0.05 |
| Tangible book value per share (€/share) | 4.41 | 4.20 | 0.21 | 4.38 | 0.03 |
| Net income attributable per share (€/share) (12 months) | 0.80 | 0.64 | 0.15 | 0.74 | 0.06 |
| PER (Price/Profit; times) | 6.57 | 5.78 | 0.79 | 7.27 | (0.70) |
| PBV (Market value/ book value) | 1.01 | 0.76 | 0.26 | 1.05 | (0.04) |
| OTHER DATA (units) | |||||
|---|---|---|---|---|---|
| Employees | 46,014 | 44,863 | 1,151 | 45,718 | 296 |
| Group Branches | 4,128 | 4,191 | (63) | 4,130 | (2) |
| of which: retail branches in Spain | 3,570 | 3,618 | (48) | 3,571 | (1) |
| ATMs | 12,370 | 12,594 | (224) | 12,371 | (1) |
