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  2. Who we are - About us - Key figures

BankiaWho we are - About us - Key figures

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Key figures*:

  • Customer related business performance, cost containment and risk management increase attributable profit to 739 million euros, 1% higher than in September 2016.
  • Fee and commission income grows 4.1% year-on-year, driven by the upturn in consumption and increasing customer loyalty, partially offsetting the pressure still being exerted on the interest margin by the interest rate curve.
  • Improvement in asset quality causes the volume of accumulated provisions to drop by 4.3% versus the figure for the first nine months of 2016, taking the Group’s cost of risk to 24 basis points (bps) at September 2017
  • The Group registers 141,000 net new customers since September 2016, with the number of “Connect with your expert” users rising by 70.7% over the last nine months. In September 2017, digital sales represent 13.1% of the Group’s total sales (2.7 percentage points (pp) higher than in December 2016).
  • Lending to target segments continues to rise: year-on-year growth in new loans stands at 130% in the mortgage segment, 19.6% in the consumer segment and 22.1% to SMEs.
  • Since September 2016, there has been an increase in the number of demand deposits (+25.6%), savings accounts (+11.9%) and mutual funds (+12.9%), which continue to capture funds transferred by our customers from term products.
  • The NPL ratio stands at 8.8% at the end of September 2017, falling 30 bp quarter-on-quarter, and 100 bp from December 2016.
  • In September 2017, the CET1 Phase-in ratio stands at 15.81%, while the CET1 Fully Loaded ratio (not including unrealised gains on sovereign holdings in the AFS portfolio) is 14.16%. The CET1 Phase-in ratio is up 111 bp on the previous year-end figure, while the CET1 Fully Loaded ratio is 114 bp higher, mainly due to the Group’s ability to generate capital organically.

(*) Data at September 30, 2017.

Key figures

  Sep-17 Dec-16 Change
Balance sheet (€ million)
Total assets 179,247 190,167 (5.7%)
Loans and advances to customers (net)(1) 103,479 104,677 (1.1%)
Loans and advances to customers (gross)(1) 108,573 110,595 (1.8%)
On-balance-sheet customer funds 120,018 125,001 (4.0%)
    Customer deposits and clearing houses 100,637 105,155 (4.3%)
    Borrowings, marketable securities 17,103 18,801 (9.0%)
    Subordinated liabilities 2,278 1,045 117.9%
Total managed customer funds 141,689 145,097 (2.3%)
Business volume 245,167 249,773 (1.8%)
Equity 12,655 12,303 2.9%
Common Equity Tier I - BIS III Phase In 11,599 11,329 2.4%
Capital adequacy (%)
Common Equity Tier I - BIS III Phase In 15.81% 14.70% +1.11 p.p.
Total capital ratio - BIS III Phase In 18.75% 16.03% +2.72 p.p.
Ratio CET 1 BIS III Fully Loaded 14.16%  13.02% +1,14 p.p.
Risk management (€ million and %)
Total risk 115,254 117,205 (1.7%)
Non performing loans 10,194 11,476 (11.2%)
NPL provisions 5,480 6,323 (13.3%)
NPL ratio 8.8% 9.8% -1.0 p.p.
NPL coverage ratio 53.8% 55.1% -1.3 p.p.

Sep-17 Sep-16 Change
Results (€ million)      
Net interest income 1,467  1,631 (10.1%)
Gross income 2,398  2,460 (2.5%)
Operating income before provisions 1,247  1,288 (3.1%)
Profit/(loss) attributable to the Group 739  731 1.0%
Key ratios (%)
Cost to Income ratio (Operating expenses / Gross income) 48.0% 47.7% +0.3 p.p.
R.O.A. (Profit after tax / Average total assets) (2) 0.5% 0.5% -
RORWA (Profit after tax / RWA) (3) 1.3% 1.3% -
ROE (Profit attributable to the group / Equity) (4) 8.1% 8.2% -0.1 p.p.
ROE ex mortages floors provision as 2016 and IPO as 2015 (5) 8.1% 8.2% -0.1 p.p.
ROTE ( Annualized attributable profit / average tangible equity) (5) 8.3% 8.4% -0.1 p.p.

(1) Includes transactions with BFA (Sep-17 €437mn; Dec-16 €125mn).
(2) Annualized profit after tax divided by the average total assets.
(3) Annualized attributable profit divided by the risk weighted assets..
(4) Annualized attributable profit divided by the previous 12 months equity average. 
(5) Annualized attributable profit divided by the previous 12 months tangible equity average.
(6) Number of shares and prices in Dec-16 were adjusted to the reverse split executed on June 2017.
(7) Using the last price on 29th September and 30th December.
(8) Annualized attributable profit divided by the number of shares in issue.
(9) Total Equity less intangible assets divided by the number of shares in issue.


30-Sep-16 31-Dec-16 Change
Bankia share      
Number of shareholders 199,050 241,879 (17.7%)
Number of shares in issue (million)(6) 2,879 2,879 -
Closing price (end of period, €) (6)(7) 4.08 3.88 5.0%
Market capitalisation (€ million) 11,748 11,183 5.0%
Earnings per share (6)(8) 0.34 0.28 22.9%
Tangible book value per share (€) (6)(9) 4.45 4.38 1.6%
PER (Last price (6) (7) / Earnings per share) 11.89 13.91 (14.5%)
PTBV (Last price (6) (7) / Tangible book value per share) 0.92 0.89 3.4%
Additional information      
Number of branches 1,751 1,855 (5.6%)
Number of employees 13,472 13,505 (0.2%)

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