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BankiaKey figures

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Key figures*:

  • The Bankia Group’s attributable profit is 514 million euros in June, an increase of 6.7% compared to the first half of 2016.
  • Return on equity rises to 8.6%, above the 8.2% at the end of the first half of 2016.
  • Strong revenue from the traditional banking business, coupled with cost control and lower provisioning explain the improvement in profit.
  • The CET1 Fully Loaded ratio climbs 80 basis points in the half-year, to 13.82%.
  • NPLs decrease by 922 million euros in the first half and the NPL ratio drops to 9.1%.
  • The customer base has grown by 107,000 in the last twelve months, with more than 100,000 new direct income deposits (salaries and pensions).
  • Customer satisfaction indexes are at their highest level in the bank’s history.
  • Great dynamism in the multichannel offering. The Connect with your Expert customers are up 57.7% in the half-year. At the end of June 2017, multichannel customers already represent 39.3% of the Group’s total customers, compared to 37.6% in December 2016.
  • Customer funds managed by the Group have grown 1.1% since June 2016, driven by demand deposits (+29.7%), savings accounts (+12.2%) and mutual funds (+11.6%).
  • Bankia carries out its first AT1 bond issue in the amount of 750 million euros. The issue was completed on 6 July, with a coupon of 6.00%, and was 3.3 times oversubscribed.

(*) Data at June 30, 2017.

Key figures

  Jun-17 Dec-16 Change
Balance sheet (€ million)
Total assets 180,884 190,167 (4.9%)
Loans and advances to customers (net)(1) 104,144 104,677 (0.5%)
Loans and advances to customers (gross)(1) 109,437 110,595 (1.0%)
On-balance-sheet customer funds 121,700 125,001 (2.6%)
    Customer deposits and clearing houses 103,038 105,155 (2.0%)
    Borrowings, marketable securities 17,144 18,801 (8.8%)
    Subordinated liabilities 1,518 1,045 45.2%
Total managed customer funds 142,830 145,097 (1.6%)
Equity 12,481 12,303 1.4%
Common Equity Tier I - BIS III Phase In 11,463 11,329 1.2%
Capital adequacy (%)
Common Equity Tier I - BIS III Phase In(2) 15.36% 14.70% +0.66 p.p.
Total capital ratio - BIS III Phase In(2) 17.39% 16.03% +1.36 p.p.
Ratio CET 1 BIS III Fully Loaded(2) 13.82%  13.02% +0.80 p.p.
Risk management (€ million and %)
Total risk 116,188 117,205 (0.9%)
Non performing loans 10,554 11,476 (8.0%)
NPL provisions 5,683 6,323 (10.1%)
NPL ratio 9.1% 9.8% -0.7 p.p.
NPL coverage ratio 53.9% 55.1% -1.2 p.p.

Jun-17 Jun-16 Change
Results (€ million)      
Net interest income 995  1,124 (11.4%)
Gross income 1,648  1,686 (2.3%)
Operating income before provisions 884  900 (1.8%)
Profit/(loss) attributable to the Group 514  481 6.7%
Key ratios (%)
Cost to Income ratio (Operating expenses / Gross income) 46.4% 46.6% -0.2 p.p.
R.O.A. (Profit after tax / Average total assets) (3) 0.6% 0.5% +0.1 p.p.
RORWA (Profit after tax / RWA) (4) 1.4% 1.2% +0.2 p.p.
ROE (Profit attributable to the group / Equity) (5) 8.6% 8.2% +0.4 p.p.
ROTE ( Annualized attributable profit / average tangible equity) (6) 8.7% 8.4% +0.3 p.p.

(1) Includes transactions with BFA (Jun-17 €384mn; Dec-16 €125mn).
(2) Capital ratios do not include the €750mn Contingent convertible bond issuance.
(3) Annualized profit after tax divided by the average total assets.
(4) Annualized attributable profit divided by the risk weighted assets.
(5) Annualized attributable profit divided by the previous 12 months equity average.
(6) Annualized attributable profit divided by the previous 12 months tangible equity average.
(7) Number of shares after the reverse split executed on June 2017.
(8) Using the last price on 30th June and 31th December.
(9) Annualized attributable profit divided by the number of shares in issue.
(10)Total Equity less intangible assets divided by the number of shares in issue.


30-Jun-16 31-Dec-16 Change
Bankia share      
Number of shareholders 204,778 241,879 (15.3%)
Number of shares in issue (million)(7) 2,879 11,517 -
Closing price (end of period, €) (7)(8) 4.23 0.97 -
Market capitalisation (€ million) 12,185 11,183 9.0%
Earnings per share (7)(9) 0.36 0.07 -
Tangible book value per share (€) (7)(10) 4.40 1.10 -
PER (Last price (8) / Earnings per share) 11.76 13.91 (15.4%)
PTBV (Last price (8) / Tangible book value per share) 0.96 0.89 8.5%
Additional information      
Number of branches 1,766 1,855 (4.8%)
Number of employees 13,477 13,505 (0.2%)

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