Print pageKey figures
These are our key details and figures, collected in our last presentation of results:
| January - September | Change | 3Q24 | Quarterly change | ||
|---|---|---|---|---|---|
| € million / % | 2024 | 2023 | |||
| PROFIT/(LOSS) | |||||
| Net interest income | 8,367 | 7,364 | 13.6 % | 2,794 | 0.1 % |
| Revenues from services | 3,674 | 3,538 | 3.8 % | 1,225 | (2.2) % |
| Gross income | 11,793 | 10,689 | 10.3 % | 4,092 | (2.7) % |
| Recurring administrative expenses, depreciation and amortisation | (4,563) | (4,365) | 4.5 % | (1,535) | 0.9 % |
| Pre-impairment income | 7,230 | 6,315 | 14.5 % | 2,557 | (4.8) % |
| Pre-impairment income stripping out extraordinary expenses | 7,230 | 6,324 | 14.3 % | 2,557 | (4.8) % |
| Profit/(loss) attributable to the Group | 4,248 | 3,659 | 16.1 % | 1,573 | (5.8) % |
| MAIN RATIOS (Last 12 months) | ||||||
|---|---|---|---|---|---|---|
| Cost-to-income ratio | 39.2 % | 42.7 % | (3.5) | 39.2 % | 0.2 | |
| Cost-to-income ratio stripping out extraordinary expenses |
39.2 % | 42.6 % | (3.4) | 39.2 % | 0.2 | |
| Cost of risk (last 12 months) | 0.28 % | 0.30 % | (0.02) | 0.28 % | (0.01) | |
| ROE |
14.4 % | 11.9 % | 2.2 | 14.4 % | 0.0 | |
| ROTE |
16.9 % | 14.1 % | 2.8 | 16.9 % | (0.0) | |
| ROA | 0.8 % | 0.6 % | 0.2 | 0.8 % | 0.0 | |
| RORWA | 2.2 % | 1.9 % | 0.4 | 2.2 % | (0.0) | |
| September | December | Change | June | Quarterly change | |
|---|---|---|---|---|---|
| 2024 | 2023 | 2024 | |||
| BALANCE SHEET (€ Million) | |||||
| Total assets | 635,782 | 607,167 | 4.7 % | 630,371 | 0.9 % |
| Equity | 37,013 | 36,339 | 1.9 % | 35,494 | 4.3 % |
| BUSINESS ACTIVITY (€ Million) | |||||
|---|---|---|---|---|---|
| Customer funds | 673,832 | 630,330 | 6.9 % | 667,424 | 1.0 % |
| Loans and advances to customers, gross | 354,507 | 354,098 | 0.1 % | 361,646 | (2.0) % |
| RISK MANAGEMENT (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Non-performing loans (NPL) | 10,352 | 10,516 | (164) | 10,466 | (115) |
| Non-performing loan ratio | 2.7 % | 2.7 % | (0.0) | 2.7 % | (0.0) |
| Provisions for insolvency risk | 7,298 | 7,665 | (367) | 7,301 | (3) |
| NPL coverage ratio | 71 % | 73 % | (2) | 70 % | 1 |
| Net foreclosed available for sale real estate assets | 1,498 | 1,582 | (84) | 1,549 | (51) |
| LIQUIDITY (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Total Liquid Assets | 178,487 | 160,204 | 18,284 | 167,421 | 11,067 |
| Liquidity Coverage Ratio | 213% | 215% | (2) | 218 % | (5) |
| Net Stable Funding Ratio (NSFR) | 148% | 144% | 5 | 146 % | 2 |
| Loan to deposits | 85% | 89% |
(4) |
87 % | (1) |
| CAPITAL ADEQUACY (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Common Equity Tier 1 (CET1) | 12.2% | 12.4% | (0.2) | 12.2 % | 0.0 |
| Tier 1 | 14.1% | 14.4% | (0.3) | 14.0 % | 0.0 |
| Total capital | 16.8% | 17.1% | (0.3) | 16.3 % | 0.5 |
| MREL | 28.3% | 26.8% | 1.5 | 26.9 % | 1.4 |
| Risk-Weighted Assets (RWAs) | 231,934 | 228,428 | 3,506 | 233,736 | (1,802) |
| Leverage Ratio | 5.5% | 5.8% | (0.3) | 5.6 % | (0.1) |
| SHARE INFORMATION | |||||
|---|---|---|---|---|---|
| Share price (€/share) | 5.364 | 3.726 | 1.638 | 4.943 | 0.421 |
| Market capitalisation | 38,742 | 27,450 | 11,292 | 35,888 | 2,853 |
| Book value per share (€/share) | 5.12 | 4.93 | 0.19 | 4.88 | 0.24 |
| Tangible book value per share (€/share) | 4.38 | 4.20 | 0.18 | 4.15 | 0.23 |
| Net income attributable per share (€/share) (12 months) | 0.74 | 0.64 | 0.09 | 0.72 | 0.01 |
| PPER (Price/Profit; times) | 7.27 | 5.78 | 1.49 | 6.82 | 0.45 |
| Tangible PBV (Market value/ book value of tangible assets) | 1.05 | 0.76 | 0.29 | 1.01 | 0.04 |
| OTHER DATA (units) | |||||
|---|---|---|---|---|---|
| Employees | 45,718 | 44,863 | 855 | 45,349 | 369 |
| Branches | 4,130 | 4,191 | (61) | 4,138 | (8) |
| of which: retail branches in Spain | 3,571 | 3,618 | (47) | 3,574 | (3) |
| ATMs | 12,371 | 12,594 | (223) | 12,399 | (28) |