Corporate information

Key figures

	January - December
(€ million)	2012	2011	Change
Income statement headings
Net interest income	3,439	2,746	25.2%
Gross income	7,226	6,794	6.4%
Pre-impairment income	3,489	3,365	3.7%
Net income	135	975	(86.2%)

Efficiency and Profitability
Cost-to-income ratio (total operating expenses / gross income)	51.7%	50.5%	1.2
ROE (attributable profit / average equity)	0.8%	5.7%	(4.9)
RORWA (profit / risk-weighted assets)	0.1%	0.9%	(0.8)

(€ million)	December-12	December-11	Change
Balance sheet headings
Total assets	359,109	282,406	27.2%
Equity	24,793	23,202	6.9%
Total banking business volume	516,240	430,987	19.8%
Total customer funds	294,739	248,326	18.7%
Customer loans and advances gross	221,501	182,661	21.3%

Risk management
Non-performing loan (NPL) ratio	8.69%	4.98%	3.71
Allowances for non-performing loans	12,081	5,750	6,331
NPL coverage ratio	60%	60%	0
NPL coverage ratio including collateral	142%	137%	5
Foreclosed real-estate assets coverage ratio	48%	34%	14
of which: land coverage	61%	39%	22

Liquidity	53,092	20,948	32,144
Loan to deposits ¹	127%	133%	(6.0)

Solvency
Core capital - BIS II	10.4%	11.6%	(1.2)
Tier 1	10.4%	13.5%	(3.1)
Tier Total	14.5%	16.6%	(2.1)
Eligible equity	24,968	25,116	(148)
Risk Weighted Assets (RWA)	171,630	150,862	20,768
Surplus capital	11,238	13,047	(1,809)

Core Tier 1 EBA	9.9%	10.2%	(0.3)

Banking business and resources (units)
Customers (millions)	12.9	10.4	2.5
Employees "la Caixa" Group	34,128	28,529	5,599
Branches	6,342	5,196	1,146
ATMs	9,696	8,011	1,685
Card issued (millions)	12.5	10.5	2.0

⁽¹⁾ Net lending as a % of on-balance sheet retail customer funds