Caixabank (Go to Home)
Print pageKey figures
These are our key details and figures, collected in our last presentation of results:
| January - December | Change | 4Q25 |
Quarterly change |
||
|---|---|---|---|---|---|
| € million / % | 2025 | 2024 | |||
| PROFIT/(LOSS) (€ Million) | |||||
| Net interest income | 10,671 | 11,108 | (3.9) % | 2,715 | 1.5 % |
| Revenues from services | 5,266 | 4,995 | 5.4 % | 1,383 | 6.3 % |
| Gross income | 16,270 | 15,873 | 2.5 % | 4,152 | 1.8 % |
| Administrative expenses, depreciation and amortisation | (6,415) | (6,108) | 5.0 % | (1,617) | (0.2) % |
| Pre-impairment income | 9,855 | 9,765 | 0.9 % | 2,535 | 3.2 % |
| Profit/(loss) attributable to the Group | 5,891 | 5,787 | 1.8 % | 1,494 | 3.4 % |
| MAIN RATIOS (Last 12 months) (in %) | ||||||
|---|---|---|---|---|---|---|
| Cost-to-income ratio | 39.4% | 38.5% | 0.9 | 39.4% | 0.3 | |
| Cost of risk | 0.22% | 0.27% | (0.05) | 0.22% | (0.02) | |
| ROE | 14.9% | 15.4% | (0.5) | 14.9% | (0.3) | |
| ROTE | 17.5% | 18.1% | (0.6) | 17.5% | (0.4) | |
| ROA | 0.9% | 0.9% | (0.0) | 0.9% | (0.0) | |
| RORWA | 2.3% | 2.4% | (0.0) | 2.3% | (0.0) | |
| December | December | Change | September |
Quarterly change |
|
|---|---|---|---|---|---|
| 2025 | 2024 | 2025 | |||
| BALANCE SHEET (€ Million) | |||||
| Total assets | 664,040 | 631,003 | 5.2 % | 664,999 | (0.1) % |
| Equity | 38,526 | 36,865 | 4.5 % | 38,505 | 0.1 % |
| BUSINESS ACTIVITY (€ Million) | |||||
|---|---|---|---|---|---|
| Customer funds | 731,936 | 685,365 | 6.8 % | 720,242 | 1.6 % |
| Loans and advances to customers, gross | 384,334 | 361,214 | 6.4 % | 376,691 | 2.0 % |
| Business volume | 1,108,118 | 1,036,876 | 6.9 % | 1,088,115 | 1.8 % |
| RISK MANAGEMENT (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Non-performing loans (NPL) |
8,624 |
10,235 | (1,611) | 9,347 | (723) |
| Non-performing loan ratio | 2.1% | 2.6 % | (0.5) | 2.3% | (0.2) |
| Provisions for insolvency risk | 6,635 | 7,016 | (381) | 6,695 | (60) |
| NPL coverage ratio | 77% | 69 % | 8 | 72% | 5 |
| Net foreclosed available for sale real estate assets | 1,079 | 1,422 | (344) | 1,156 | (77) |
| LIQUIDITY (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Total Liquid Assets | 171,830 | 171,367 | 462 | 173,883 | (2,053) |
| Liquidity Coverage Ratio | 202% | 207 % | (4) | 199% | 3 |
| Net Stable Funding Ratio (NSFR) | 146% | 146 % | (1) | 148% | (2) |
| Loan to deposits | 87% | 86 % |
1 |
86% |
1 |
| CAPITAL ADEQUACY (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Common Equity Tier 1 (CET1) | 12.6 % | 12.2 % | 0.4 | 12.4% | 0.1 |
| Tier 1 | 14.5 % | 14.0 % | 0.5 | 14.4% | 0.1 |
| Capital total | 17.5 % | 16.6 % | 0.9 | 16.9% | 0.6 |
| MREL | 27.7 % | 28.1 % | (0.4) | 27.9% | (0.2) |
| Activos ponderados por riesgo (APR) | 245,063 | 237,969 | 7,094 | 243,704 | 1,360 |
| Leverage Ratio | 5.7 % | 5.7 % | 0.1 | 5.6% | 0.1 |
| SHARE INFORMATION | |||||
|---|---|---|---|---|---|
| Share price (€/share) | 10.445 | 5.236 | 5.209 | 8.946 | 1.499 |
| Market capitalisation (€ million) | 73,200 | 37,269 | 35,931 | 62,922 | 10,278 |
| Book value per share (€/share) | 5.49 | 5.17 | 0.32 | 5.47 | 0.02 |
| Tangible book value per share (€/share) | 4.69 | 4.41 | 0.28 | 4.69 | (0.00) |
| Net income attributable per share (€/share) (12 months) | 0.83 | 0.80 | 0.04 | 0.84 | (0.00) |
| PER (Price/Profit; times) | 12.52 | 6.57 | 5.95 | 10.70 | 1.82 |
| PBV (Market value/ book value) | 1.90 | 1.01 | 0.89 | 1.63 | 0.27 |
| OTHER DATA (units) | |||||
|---|---|---|---|---|---|
| Employees | 47,120 | 46,014 | 1,106 | 46,950 | 170 |
| Group Branches | 4,552 | 4,583 | (31) | 4,555 | (3) |
| ATMs | 12,272 | 12,378 | (106) | 12,283 | (11) |
