Corporate information

Key figures

                        

(€ million)

4Q'13

4Q'12

Change

Income statement headings

     

Net interest income

3,587

3,439

4.3%

Results in investees

1,126

1,629

(30.09)

Gross income

7,082

7,226

(2.0)

Pre-impairment income stripping out extraordinary costs

2,964

3,537

(16.2)

Pre-impairment income

2,125

3,489

(39.1)

Net income

745

135

452.0

       

(€ million)

December'13

December'12

Annual
change

Balance sheet

     

Total assets

351,269

358,989

(2.2%)

Shareholders' equity

16,516

16,600

(0.5%)

Total banking business volume

511,115

512,718

(0.3%)

Total customer funds

304,636

291,617

4.5%

Customer loans, gross

206,479

221,101

(6.6%)

       

Efficiency and profitability (last 12 months)

 

 

 

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

70.0%

51.7%

18.3

Cost-to-income ratio stripping out extraordinary costs

58.2%

51.1%

7.1

ROE (attributable profit / average total assets)

4.5%

0.8%

3.7

ROA (net profit / average total assets)

0.3%

0.0%

0.3

RORWA (net profit / risk-weighted assets)

0.7%

0.1%

0.6

       

Risk management

     

Non-performing loans

25,365

20,154

5,211

Non-performing loan (NPL) ratio

11.70%

8.70%

3.00

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

6.86%

4.02%

2.84

Allowances for non-performing loans

15,486

12,681

2,805

NPL coverage ratio

61%

63%

(2)

NPL coverage ratio including collateral

140%

145%

(5)

NPL coverage ratio stripping out the real-estate developers

63%

57%

6

Foreclosed available for sale real-assets

7842

7.145

697

Foreclosed available for sale real-estate assets coverage ratio

55%

48%

7

of wich: land coverage

65%

61%

4

       

Liquidity

     

Liquidity

60,762

53,092

7,670

Loan to deposit (Net lending / On-balance sheet retail customer funds)

109.9%

128.1%

(18.2)

       

Solvency

     

Core capital - BIS II

12.7%

10.4%

2.3

Tier  1

12,7%

10.4%

2.3

Tier  Total

17.9%

14.5%

3.4

Eligible equity

24,949

24,968

(19)

Risk Weighted Assets (RWA)

139,161

171,630

(32,469)

Surplus capital

13,816

11,238

2,578

       

Banking business and resources (units)

     

Customers (millions)

13.6

12.9

0.7

Employees "la Caixa" Group

33,291

34,128

(837)

Branches

5,730

6,342

(612)

ATMs

9,597

9,696

(99)