Key indicators for the CaixaBank Group
January - June
€ million
2014
Change
2Q14
1Q14
2013
INCOME STATEMENT
Net interest income
Gross income
Pre-impairment income stripping out extraordinary costs
Pre-impairment income
Profit attributable to the Group
€ million
2,015
3,603
1,719
1,719
305
June'14
1,959
3,629
1,610
789
408
March'14
2.9%
(0.7%)
6.8%
117.8%
(25.3%)
December'13
1,022
1,834
890
890
153
Quarterly
change
993
1,769
829
829
152
Annual
change
BALANCE SHEET
Total assets
Equity
Total funds
Retail funds
Wholesale funds
Customer loans, gross
336,849
24,950
309,337
270,209
39,128
199,572
331,376
24,467
309,233
264,620
44,613
201,357
340,190
24,333
303,604
259,244
44,360
207,231
1.7%
2.0%
0.0%
2.1%
(12.3%)
(0.9%)
(1.0%)
2.5%
1.9%
4.2%
(11.8%)
(3.7%)
EFFICIENCY AND PROFITABILITY (last 12 months)
Cost-to-income ratio (Total operating expenses/ gross income)
Cost-to-income ratio stripping out extraordinary costs
ROE (profit attributable to the Group/ average equity)
ROA (net profit / average total assets)
RORWA (net profit / Risk-weighted assets)
ROTE (attributable profit / average tangible equity)
58.0%
57.7%
1.7%
0.1%
0.3%
2.1%
58.9%
57.7%
1.4%
0.1%
0.3%
1.7%
72.2%
59.5%
2.1%
0.1%
0.4%
2.7%
(0.9)
0.0
0.3
0.0
0.0
0.4
(14.2)
(1.8)
(0.4)
0.0
(0.1)
(0.6)
22,568
10.78%
6.70%
13,303
59%
138%
61%
6,747
53%
64%
24,013
11.36%
6.80%
14,668
61%
140%
64%
6,412
53%
64%
25,365
11.66%
6.83%
15,478
61%
140%
63%
6,169
54%
65%
(1,445)
(0.58)
(0.10)
(1,365)
(2)
(2)
(3)
335
(0)
(0)
(2,797)
(0.88)
(0.13)
(2,175)
(2)
(2)
(2)
578
(1)
(1)
63,478
101.8%
65,003
105.0%
60,762
109.9%
(1,525)
(3.2)
2,716
(8.1)
12.7%
15.8%
144,019
11,798
11,299
5.6%
12.4%
12.4%
15.5%
147,222
11,563
10,973
5.7%
12.1%
11.2%
14.7%
151,461
10,141
10,155
5.5%
11.7%
0.3
0.3
(3,203)
235
326
(0.1)
0.3
1.5
1.1
(7,442)
1,657
1,144
0.1
0.7
RISK MANAGEMENT
Non-performing loans
Non-performing loan (NPL) ratio
Non-performing loan (NPL) ratio stripping out real estate developers
Allowances for non-performing loans
NPL coverage ratio
NPL coverage ratio including collateral
NPL coverage ratio stripping out real estate developers
Foreclosed available for sale real estate assets
Foreclosed available for sale real estate assets coverage ratio
of which: land coverage
LIQUIDITY
Liquidity
Loan to deposits
SOLVENCY - BIS III
Common Equity Tier 1 (CET1)
Tier Total
Risk-Weighted Assets (RWA)
Surplus CET1
Surplus Tier Total
Leverage ratio
Common Equity Tier 1 (CET1) fully loaded
SHARE INFORMATION
Share price (€/share)
Market capitalization
Number of shares outstanding1 (thousands) (Excluding treasury shares)
Book value per share - fully diluted (€/share)
Number of shares - fully diluted (thousands)
Net income attributable per share (EPS) (€/share) (12 months)
Average number of shares - fully diluted (thousands)
PER (Price/ Profit)
PBV (Market value/ book value)
4.507
24,554
5,592,619
4.46
5,592,674
0.07
5,594,935
64.39
1.01
4.670
23,716
5,400,109
4.41
5,549,788
0.06
5,457,543
77.83
1.06
3.788
19,045
5,025,419
4.43
5,498,274
0.09
5,416,010
40.76
0.86
(0.163)
838
192,510
0.05
42,886
0.01
137,392
(13.44)
(0.05)
0.719
5,509
567,200
0.03
94,400
(0.02)
178,925
23.63
0.16
13.6
31,574
5,695
9,661
13.6
31,682
5,716
9,606
13.6
31,948
5,730
9,597
0.0
(108)
(21)
55
0.0
(374)
(35)
64
BANKING BUSINESS AND RESOURCES (Units)
Customers (millions)
CaixaBank Group Employees
Branches
ATMs
(1)In March 2014 includes the 323,146,336 new shares issued to cover the conversion of Series I/2012 mandatorily convertible and/or exchangeable
subordinated bonds. The shares began trading on the main market on April 14, 2014.
In June 2014 includes the 149,484,999 new shares issued to cover the conversion of Series I/2011 mandatorily convertible subordinated bonds. The shares
began trading on the main market on July 14, 2014.
Consolidated Profit & Loss Account, CaixaBank Group
€ mil li on
Financial income
Financial expenses
Net interest income
Dividends
Share of profit (loss) of entities accounted for using the equity method
Net fees and commissions
Gains on financial assets and exchange rate differences
Other operating income and expenses
Gross income
Recurring expenses
Extraordinary expenses
Pre-impairment income
Pre-impairment income stripping out extraordinary costs
Impairment losses on financial assets and others
Gains/(losses) on disposal of assets and others
Pre-tax income
Income tax
Profit for the period
Minority interest
Profit attributable to the Group
January - June
2014
2013
4,350
4,769
Change
%
(8.8)
(2,335)
2,015
102
122
930
(2,810)
1,959
99
341
890
(16.9)
2.9
3.2
(64.1)
4.5
513
(79)
3,603
441
(101)
3,629
16.2
(22.0)
(0.7)
(1,884)
(2,019)
(821)
(6.7)
1,719
1,719
(1,314)
789
1,610
(2,876)
117.8
6.8
(54.3)
(102)
303
2
305
2,161
74
329
403
(5)
408
305
311.3
(99.5)
(24.4)
(25.3)