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Corporate information

Key figures

The ”la Caixa” Banking Foundation will directly manage Obra Social, which is a historical representation of “la Caixa”.

Furthermore, it will group all the shareholdings of “la Caixa” in CaixaBank and other strategic financial sectors into Criteria CaixaHolding, a society which holds 100% of the shares.

For the 7th year in a row, the “la Caixa” Banking Foundation is setting the Obra Social funds at €500M in 2014, which makes it the first private foundation in Spain and one of the most important in the world.                

€ million

January - March

Change

2014

2013

Income Statement Headings

     

Net interest income

918

896

2.5%

Gross income

1,906

1,813

5.1%

Pre-impairment income stripping out extraordinary costs

923

754

22.4%

Pre-impairment income

923

(5)

 

Profit attributable to the Group

229

461

(50.3%)

       

€ million

March'14

December'13

Change

Balance Sheet

     

Total assets

342,368

351,269

(2.5%)

Equity

27,427

27,237

0.7%

Shareholders' Equity

16,519

16,516

0.0%

Total funds

310,243

304,636

1.8%

Retail funds

264,830

259,476

2.1%

Wholesale funds

45,413

45,160

0.6%

Customer loans, gross

200,622

206,479

(2.8%)

       

Efficiency and Profitability (last 12 months)

 

 

 

Cost-to-income ratio (Total operating expenses/ gross income)

57.4%

70.0%

(12.6)

Cost-to-income ratio stripping out extraordinary costs

56.3%

58.2%

(1.9)

ROE (attributable profit/ average equity)

3.1%

4.5%

(1.4)

ROA (net profit / average total assets)

0.2%

0.3%

(0.1)

RORWA (net profit / Risk-weighted assets)

0.6%

0.7%

(0.1)

       

Risk Management

     

Non-performing loans

24,013

25,365

(1,352)

Non-performing loan (NPL) ratio

11.40%

11.70%

(0.30)

Non-performing loan (NPL) ratio stripping out real estate developers

6.83%

6.86%

 (0.03)

Loan-loss provision

14,683

15,486

(803)

NPL coverage ratio

61%

61%

0

NPL coverage ratio including collateral

140%

140%

0

NPL coverage ratio stripping out real estate developers

64%

63%

1

Foreclosed available for sale real estate assets

8,060

7,842

218

Foreclosed available for sale real estate assets coverage ratio

55.%

55%

0

of which: land coverage

65.%

65%

0

       

Liquidity

65,003

60,762

4,241

Loan to deposits 

105.0%

109.9%

(4.9)

       

Solvency - BIS III

     

Common Equity Tier 1 (CET1)

11.30%

10.50%

0.8

Tier Total

17.60%

17.20%

0.4

Risk-Weighted Assets (RWA)

162,897

165,944

(3,047)

Surplus CET1

11,026

9,954

1,072

Surplus Tier Total

15,670

15,188

482

       

Banking Business and Resources (Units)

     

Customers (millions)

13.6

13.6

0,0

"la Caixa" Group Employees

33,132

33,291

(159)

Branches

5,716

5,730

(14)

ATMs

9,606

9,597

9