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BankiaKey figures

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Key figures*:

  • The Group ends the first half of 2016 with an attributable profit of 481 million euros.
  • The Bankia Group maintains its leadership in efficiency. On a constant perimeter basis, operating expenses are down 2.3% compared to the first half of 2015, and down 3.1% compared to the previous quarter, bringing the efficiency ratio to 46.6%, one of the best in the sector.
  • The new commercial positioning has contributed positively to business performance. The number of customers who have their income paid directly into their account is up 4.5% in the half-year and the number of new credit cards issued has quadrupled compared to the first half of 2015.
  • New lending increases by 2.5% the outstanding balance of loans in the consumer finance and business segments since June 2015, in line with the Group’s goal of extending more credit to these key segments.
  • Retail customer funds have increased compared to June 2015. The growth is concentrated in mutual funds (+7.3%), demand accounts (+27.2%) and savings accounts (+12.7%), which continue to attract customer funds transferred out of term deposits.
  • Risk management has continued to improve, allowing a reduction in provisioning for loan losses and impairment of foreclosed assets. This improvement is reflected in the cost of risk, which at close of June 2016 stands at 28 bps, an improvement of 15 bps over the half-year.
  • The balance of NPLs has fallen 9.6% since December 2015 and is down 6.5% compared to 1Q 2016, making ten consecutive quarters of falls. This decline in NPLs has reduced the Group’s NPL ratio, which at the end of June 2016 stands at 9.8%, 75 bps less than in 1Q 2016 and 100 bps below that recorded in 4Q 2015.
  • The solvency indicators registered a further improvement during the quarter. At the end of June 2016, the Group has a CET 1 phase-in ratio of 14.53% (+64 bps in the half-year) and a CET 1 fully loaded ratio of 12.89% (+63 bps since December 2015), making it one of the most solvent institutions in the Spanish financial system..

(*) Data at June 30, 2016.

Key figures

  Jun-16 Dec-15 Change
Balance sheet (€ million)
Total assets 203,501 206,970 (1.7%)
Loans and advances to customers (net) 109,794 110,570 (0.7%)
Loans and advances to customers (gross) 116,475 117,977 (1.3%)
    Loans and advances to the resident private sector (gross) 93,633 93,730 (0.1%)
         Secured loans and advances (gross) 68,228 69,960 (2.5%)
On-balance-sheet customer funds 132,323 132,629 (0.2%)
    Customer deposits and clearing houses 107,908 108,702 (0.7%)
    Borrowings, marketable securities 23,382 22,881 2.2%
    Subordinated liabilities 1,033 1,046 (1.2%)
Total managed customer funds 153,360 155,402 (0.03%)
Equity 12,089 11,934 1.3%
Common Equity Tier I - BIS III Phase In 11,272 11,289 (0.2%)
Capital adequacy (%)
Common Equity Tier I - BIS III Phase In 14.53% 13.89% +0.64 p.p.
Total capital ratio - BIS III Phase In 15.85% 15.16% +0.69 p.p.
Ratio CET 1 BIS III Fully Loaded 12.89%  12.26% +0.63 p.p.
Risk management (€ million and %)
Total risk(1) 120,146 120,924 (0.6%)
Non performing loans 11,751 12,995 (9.6%)
NPL provisions 7,141 7,794 (8.4%)
NPL ratio(1) 9.8% 10.8% -1.0 p.p.
NPL coverage ratio 60.8% 60.0% +0.8 p.p.
Key ratios (%)
Cost to Income ratio (Operating expenses / Gross income) 46.8% 42.6% +5.1 p.p.
R.O.A. (Profit after tax / Average total assets) (2) 0.5% 0.4% +0.0 p.p.
R.O.E. (Profit attributable to the group / Equity) (3) 8.2% 8.7% -1.6 p.p.

Jun-16 Jun-15 Change
Results (€ million)      
Net interest income 1,124 1,388  (19.1%)
Gross income 1,686 2,029 (16.9%)
Operating income before provisions 900 1,186 (24.2%)
Profit/(loss) attributable to the Group (1) 481 556 (13.4%)

(1) NPL ratio is calculated excluding from total risk the amount of credit with BFA (June 2016: €1,501 MM of reverse repos, €461 of amounts to be recovered from BFA corresponding to the 60% of estimated contingencies which BFA will assume arising from the legal proceedings in relation with Bankia IPO, and €1MM of collateral delivered in repo and IRS transactions).
(2) Annualized profit after tax divided by the average total assets
(3) Annualized attributable profit divided by the average equity
(4) Total Equity divided by the number of shares in issue. June 2016, annualized attributable profit applied
(5) Total Equity less intangible assets divided by the number of shares in issue.


Jun-16 Dec-15 Change
Bankia share      
Number of shareholders 337,207 435,755 (22.6%)
Number of shares in issue (million) 11,517 11,517 -
Closing price (end of period) 0.646 1.074 (39.9%)
Market capitalisation (€ million) 7,440 12,370 (39.9%)
Earnings per share (4) 0.08 0.09 (6.9%)
Tangible book value per share (5) 1.09 1.08 0.7%
Additional information      
Number of branches 1,894 1,932 (2.0%)
Number of employees 13,449 13,569 (0.9%)

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