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BankiaKey figures

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Key figures*:

  • The Bankia Group records an accumulated attributable profit of 731 million euros and continues strengthening its solvency ratios, which now stand above 13.2% (CET 1 Fully Loaded). For yet another quarter the cost containment and lower provisioning needs trend has been maintained, which has compensated the impact of the interest rates on the Groups’ margins, allowing attributable profit in 3Q 2016 to increase by 2.2% from the previous quarter to 250 million euros.
  • Lending to target segments continues to rise: new loans increase the outstanding balance of consumer finance and lending to businesses by 1.9% from September 2015.
  • New customer funds grow 4.1% year-on-year, with significant gains in mutual funds (+9%), demand accounts (+16.5%) and savings accounts (+12.5%), which are drawing the funds that are shifting out of term deposits.
  • Consolidation of the multichannel strategy: as of September 2016 multichannel customers account for 36.3% of Bankia’s total customers compared with 30.6% at September 2015.
  • The progressive reduction in the cost of risk continues thanks to the improved quality of the portfolios and lower provisions. As of September 2016 the cost of risk for the year in progress stood at 24 bps, with a year-on-year improvement of 26 bps and 19 bps from December 2015.
  • The Group's non-performing loans decline 13.1% from December 2015 and by 3.9% in the quarter, maintaining the coverage ratio high at 60.5% at the end of September 2016 (+50 bps over December 2015).
  • Bankia remains one of the most solvent banking groups in the Spanish financial system. At the end of September 2016 the CET 1 phase-in ratio stands at 14.81% (+161 bps year-on-year and +28 bps in the quarter) and the CET 1 fully loaded ratio (excluding gains from the available-for-sale sovereign portfolio) stands at 13.24% (+151 bps from September 2015 and +35 bps in the quarter), having generated 693 million euros of capital in 2016.

(*) Data at September 30, 2016.

Key figures

  Sep-16 Dec-15 Change
Balance sheet (€ million)
Total assets 195,804 206,970 (5.4%)
Loans and advances to customers (net) (1) 106,028 110,570 (4.1%)
Loans and advances to customers (gross)(1) 112,448 117,977 (4.7%)
On-balance-sheet customer funds 130,148 132,629 (1.9%)
    Customer deposits and clearing houses 107,947 108,702 (0.7%)
    Borrowings, marketable securities 21,161 22,881 (7.5%)
    Subordinated liabilities 1,040 1,046 (0.5%)
Total managed customer funds 149,869 151,645 (1.17%)
Equity 12,349 11,934 3.5%
Common Equity Tier I - BIS III Phase In 11,442 11,289 1.4%
Capital adequacy (%)
Common Equity Tier I - BIS III Phase In 14.81% 13.89% +0.93 p.p.
Total capital ratio - BIS III Phase In 16.18% 15.16% +1.02 p.p.
Ratio CET 1 BIS III Fully Loaded 13.24%  12.26% +0.98 p.p.
Risk management (€ million and %)
Total risk (2) 118,469 120,924 (2.0%)
Non performing loans 11,298 12,995 (13.1%)
NPL provisions 6,839 7,794 (12.2%)
NPL ratio (2) 9.5% 10.8% -1.2 p.p.
NPL coverage ratio 60.5% 60.0% +0.6 p.p.

Sep-16 Sep-15 Change
Results (€ million)      
Net interest income 1,631 2,075 (21.4%)
Gross income 2,460 3,030 (18.8%)
Operating income before provisions 1,288 1,773 (27.4%)
Profit/(loss) attributable to the Group 731 855 (14.5%)
Key ratios (%)
Cost to Income ratio (Operating expenses / Gross income) 47.7% 41.5% +6.2 p.p.
R.O.A. (Profit after tax / Average total assets) (3) 0.5% 0.5% -
RORWA (Profit after tax / RWA) (4) 1.3% 1.3% -
R.O.E. (Profit attributable to the group / Equity) (5) 8.2% 9.9% -1.7 p.p.
ROTE ( Annualized attributable profit / average tangible equity) (6) 8.4% 10.2% -1.8 p.p.

(1) Includes transactions with BFA (Sep-16 €168mn; Dec-15 €2,005mn)
(2) NPL ratio excludes transactions with BFA (Sep-16 €168mn; Dec-15 €2,005mn)
(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) Using the last price on 30th September and 31st 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-15 Change
Bankia share      
Number of shareholders 316,103 435,755 (27.5%)
Number of shares in issue (million) 11,517 11,517 -
Closing price (end of period, €) (7) 0.730 1.074 (32.0%)
Market capitalisation (€ million) 8,408 12,370 (32.0%)
Earnings per share (8) 0.08 0.09 (6.0%)
Tangible book value per share (€) (9) 1.12 1.08 3.1%
PER (Last price (7) / Earnings per share) 8.61 11.89 (27.7%)
PTBV (Last price (7) / Tangible book value per share) 0.65 0.99 (34.1%)
Additional information      
Number of branches 1,855 1,932 (4.0%)
Number of employees 13,478 13,569 (0.7%)

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