Caixabank (Go to Home)
Print pageKey figures
These are our key details and figures, collected in our last presentation of results:
| January - June | Change | 2T25 |
Quarterly change |
||
|---|---|---|---|---|---|
| € million / % | 2025 | 2024 | |||
| PROFIT/(LOSS) | |||||
| Net interest income | 5,282 | 5,572 | -5.2% | 2,636 | -0.4% |
| Revenues from services(1) | 2,581 | 2,449 | 5.4 % | 1,303 | 1.9% |
| Gross income | 8,040 | 7,701 | 4.4 % | 4,030 | 0.5% |
| Administrative expenses, depreciation and amortisation | (3,179) | (3,028) | 5.0 % | (1,599) | 1.2% |
| Pre-impairment income | 4,862 | 4,673 | 4.0 % | 2,431 | 0.0% |
| Profit/(loss) attributable to the Group | 2,951 | 2,675 | 10.3 % | 1,482 | 0.8% |
| MAIN RATIOS (Last 12 months) (in %) | ||||||
|---|---|---|---|---|---|---|
| Cost-to-income ratio | 38.6 % | 39.0 % | (0.4) | 38.6 % | 0.9 | |
| Cost of risk | 0.24 % | 0.29 % | (0.05) | 0.24 % | (0.01) | |
| ROE |
15.7 % | 14.4 % | 1.4 | 15.7 % | (0.8) | |
| ROTE |
18.5 % | 16.9 % | 1.5 | 18.5 % | (0.9) | |
| ROA | 0.9 % | 0.8 % | 0.1 | 0.9 % | — | |
| RORWA | 2.5 % | 2.2 % | 0.2 | 2.5 % | (0.1) | |
| June | December | Change | March |
Quarterly change |
|
|---|---|---|---|---|---|
| 2025 | 2024 | 2025 | |||
| BALANCE SHEET (€ Million) | |||||
| Total assets | 659,822 | 631,003 | 4.6 % | 636,468 | 3.7 % |
| Equity | 37,435 | 36,865 | 1.5 % | 37,934 | (1.3)% |
| BUSINESS ACTIVITY (€ Million) | |||||
|---|---|---|---|---|---|
| Customer funds | 717,652 | 685,365 | 4.7 % | 690,523 | 3.9 % |
| Loans and advances to customers, gross | 377,649 | 361,214 | 4.5 % | 364,159 | 3.7 % |
| Business volume | 1,086,221 | 1,036,876 | 4.8 % | 1,045,116 | 3.9 % |
| RISK MANAGEMENT (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Non-performing loans (NPL) | 10,235 | (649) | 10,076 | (489) | |
| Non-performing loan ratio | 2,3 % | 2,6 % | (0,3) | 2.5% | (0.2) |
| Provisions for insolvency risk | 6,744 | 7,016 | (272) | 7,017 | (273) |
| NPL coverage ratio | 70 % | 69 % | 2 | 70% | 1 |
| Net foreclosed available for sale real estate assets | 1,273 | 1,422 | (150) | 1,361 | (88) |
| LIQUIDITY (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Total Liquid Assets | 177,385 | 171,367 | 6,017 | 171,170 | 6.215 |
| Liquidity Coverage Ratio | 217 % | 207 % | 10 | 197 % | 20 |
| Net Stable Funding Ratio (NSFR) | 150 % | 146 % | 3 | 148 % | 1 |
| Loan to deposits | 85 % | 86 % |
0 |
86 % |
(1) |
| CAPITAL ADEQUACY (€ Million; in %) | |||||
|---|---|---|---|---|---|
| Common Equity Tier 1 (CET1) | 12.5 % | 12.2 % | 0.3 | 12.5 % | 0.0 |
| Tier 1 | 14.3 % | 14.0 % | 0.3 | 14.3 % | 0.0 |
| Capital total | 16.9 % | 16.6 % | 0.2 | 17.0 % | (0.1) |
| MREL | 27.2 % | 28.1 % | (0.9) | 28.1 % | (0.9) |
| Activos ponderados por riesgo (APR) | 241,799 | 237,969 | 3,830 | 235,374 | 6,424 |
| Leverage Ratio | 5.6 % | 5.7 % | 0.0 | 5.7 % | (0.1) |
| SHARE INFORMATION | |||||
|---|---|---|---|---|---|
| Share price (€/share) | 7.354 | 5.236 | 2,118 | 7.174 | 0.180 |
| Market capitalisation (€ million) | 51,988 | 37,269 | 14,719 | 50,791 | 1,197 |
| Book value per share (€/share) | 5.29 | 5.17 | 0.12 | 5.35 | (0.06) |
| Tangible book value per share (€/share) | 4.52 | 4.41 | 0.11 | 4.59 | (0.07) |
| Net income attributable per share (€/share) (12 months) | 0.85 | 0.80 | 0.05 | 0.87 | (0.02) |
| PER (Price/Profit; times) | 8.67 | 6.57 | 2.10 | 8.26 | 0.41 |
| PBV (Market value/ book value) | 1.39 | 1.01 | 0.38 | 1.34 | 0.05 |
| OTHER DATA (units) | |||||
|---|---|---|---|---|---|
| Employees | 46,654 | 46,014 | 640 | 46,254 | 400 |
| Group Branches | 4,106 | 4,128 | (22) | 4,111 | (5) |
| of which: retail branches in Spain | 3,550 | 3,570 | (20) | 3,555 | (5) |
| ATMs | 12,317 | 12,378 | (61) | 12,349 | (32) |
