Caixabank (Go to Home)
Print pageKey figures
These are our key details and figures, collected in our last presentation of results:
| January - September | Change | 3T25 |
Quarterly change |
||
|---|---|---|---|---|---|
| € million / % | 2025 | 2024 | |||
| PROFIT/(LOSS) | |||||
| Net interest income | 7,957 | 8,367 | (4.9) % | 2,674 | 1.4 % |
| Revenues from services | 3,883 | 3,674 | 5.7 % | 1,302 | (0.1) % |
| Gross income | 12,118 | 11,793 | 2.8 % | 4,077 | 1.2 % |
| Administrative expenses, depreciation and amortisation | (4,798) | (4,563) | 5.2 % | (1,620) | 1.3 % |
| Pre-impairment income | 7,319 | 7,230 | 1.2 % | 2,458 | 1.1 % |
| Profit/(loss) attributable to the Group | 4,397 | 4,248 | 3.5 % | 1,445 | (2.5) % |
| MAIN RATIOS (Last 12 months) (in %) | ||||||
|---|---|---|---|---|---|---|
| Cost-to-income ratio | 39.2% | 39.2% | (0.0) | 39.2% | 0.6 | |
| Cost of risk | 0.24% | 0.28% | (0.05) | 0.24% | (0.00) | |
| ROE |
15.2% | 14.4% | 0.8 | 15.2% | (0.5) | |
| ROTE |
17.8% | 16.9% | 0.9 | 17.8% | (0.6) | |
| ROA | 0.9% | 0.8% | 0.0 | 0.9% | (0.0) | |
| RORWA | 2.4% | 2.2% | 0.2 | 2.4% | (0.1) | |
| September | December | Change | June |
Quarterly change |
|
|---|---|---|---|---|---|
| 2025 | 2024 | 2025 | |||
| BALANCE SHEET (€ Million) | |||||
| Total assets | 664,999 | 631,003 | 5.4 % | 659,822 | 0.8 % |
| Equity | 38,505 | 36,865 | 4.4 % | 37,435 | 2.9 % |
| BUSINESS ACTIVITY (€ Million) | |||||
|---|---|---|---|---|---|
| Customer funds | 720,242 | 685,365 | 5.1 % | 717,652 | 0.4 % |
| Loans and advances to customers, gross | 376,691 | 361,214 | 4.3 % | 377,649 | (0.3) % |
| Business volume | 1,088,115 | 1,036,876 | 4.9 % | 1,086,221 | 0.2 % |
| RISK MANAGEMENT (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Non-performing loans (NPL) |
9,347 |
10,235 | (889) | 9,587 | (240) |
| Non-performing loan ratio | 2.3% | 2.6 % | (0.3) | 2.3% | (0.1) |
| Provisions for insolvency risk | 6,695 | 7,016 | (321) | 6,744 | (50) |
| NPL coverage ratio | 72% | 69 % | 3 | 70% | 1 |
| Net foreclosed available for sale real estate assets | 1,156 | 1,422 | (266) | 1,273 | (117) |
| LIQUIDITY (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Total Liquid Assets | 173,883 | 171,367 | 2,515 | 177,385 | (3,502) |
| Liquidity Coverage Ratio | 199% | 207 % | (8) | 217% | (18) |
| Net Stable Funding Ratio (NSFR) | 148% | 146 % | 1 | 150% | (2) |
| Loan to deposits | 86% | 86 % |
0 |
85% |
1 |
| CAPITAL ADEQUACY (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Common Equity Tier 1 (CET1) | 12.4 % | 12.2 % | 0.2 | 12.5% | (0.0) |
| Tier 1 | 14.4 % | 14.0 % | 0.4 | 14.3% | 0.1 |
| Capital total | 16.9 % | 16.6 % | 0.3 | 16.8% | 0.1 |
| MREL | 27.9 % | 28.1 % | (0.2) | 27.1% | 0.8 |
| Activos ponderados por riesgo (APR) | 243,688 | 237,969 | 5,719 | 241,835 | 1,853 |
| Leverage Ratio | 5.6 % | 5.7 % | (0.0) | 5.6% | 0.0 |
| SHARE INFORMATION | |||||
|---|---|---|---|---|---|
| Share price (€/share) | 8.946 | 5.236 | 3.710 | 7.354 | 1.592 |
| Market capitalisation (€ million) | 62,922 | 37,269 | 25,653 | 51,988 | 10,934 |
| Book value per share (€/share) | 5.47 | 5.17 | 0.30 | 5.29 | 0.18 |
| Tangible book value per share (€/share) | 4.69 | 4.41 | 0.28 | 4.52 | 0.17 |
| Net income attributable per share (€/share) (12 months) | 0.84 | 0.80 | 0.04 | 0.85 | (0.01) |
| PER (Price/Profit; times) | 10.70 | 6.57 | 4.13 | 8.67 | 2.03 |
| PBV (Market value/ book value) | 1.63 | 1.01 | 0.62 | 1.39 | 0.25 |
| OTHER DATA (units) | |||||
|---|---|---|---|---|---|
| Employees | 46,950 | 46,014 | 936 | 46,654 | 296 |
| Group Branches | 4,099 | 4,128 | (29) | 4,106 | (7) |
| of which: retail branches in Spain | 3,544 | 3,570 | (26) | 3,550 | (6) |
| ATMs | 12,283 | 12,378 | (95) | 12,317 | (34) |
