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BankiaKey figures

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Key figures*:

  • The Bankia Group obtains attributable profit of 304 million euros, 28.4% more than in the first quarter of 2016.
  • Bankia achieves this result by increasing customer loyalty and satisfaction, maintaining the competitive advantages in costs and leadership in solvency.
  • The customer’s loyalty strategy is starting to have a positive impact on fee and commission income, which is up 3.8% compared to the first quarter of 2016.
  • Bankia continues to improve cost control. Operating expenses are down 3.4% compared to the first quarter of 2016, with the efficiency ratio at 43.6% at the end of March 2017.
  • Great response to the “No fees mortgage”, driving a 93.5% increase in new mortgages compared to the same period of 2016.
  • The strong rate of new customer funds continues for yet another quarter. Customer funds are up 4.6% year-on-year, with particularly strong growth in mutual funds (+10.1%), where the Group’s market share has risen to 5.59% (+6 bps vs. December 2016).
  • The Bankia Group maintains a sound capital position, thanks to its ability to generate capital organically. At the end of the first quarter of 2017, the Bankia Group’s CET1 Phase-in ratio is 14.91% (+85 bps vs. March 2016) and the CET1 Fully Loaded ratio (not including unrealised gains on sovereign holdings in the AFS portfolio) is 13.37% (+85 bps year-on-year).
  • The Group’s financial strength translates into further improvements in its ratings. Standard & Poor’s has raised Bankia’s long-term rating from BB+ to BBB-, so that at the end of the first quarter of 2017. Bankia once again has an investment grade rating from the three agencies to whom the bank solicit its ratings.
  • (*) Data at March 31, 2017.

    Key figures

      Mar-17 Dec-16 Change
    Balance sheet (€ million)
    Total assets 183,953 190,167 (3.3%)
    Loans and advances to customers (net)(1) 104,152 104,677 (0.5%)
    Loans and advances to customers (gross)(1) 109,653 110,595 (0.9%)
    On-balance-sheet customer funds 122,896 125,001 (1.7%)
        Customer deposits and clearing houses 103,894 105,155 (1.2%)
        Borrowings, marketable securities 17,455 18,801 (7.2%)
        Subordinated liabilities 1,547 1,045 48.0%
    Total managed customer funds 143,421 145,097 (1.2%)
    Equity 12,285 12,303 (0.1%)
    Common Equity Tier I - BIS III Phase In 11,317 11,329 (0.1%)
    Capital adequacy (%)
    Common Equity Tier I - BIS III Phase In 14.91% 14.70% +0.21 p.p.
    Total capital ratio - BIS III Phase In 16.94% 16.03% +0.91 p.p.
    Ratio CET 1 BIS III Fully Loaded 13.37%  13.02% +0.35 p.p.
    Risk management (€ million and %)
    Total risk (2) 116,216 117,205 (0.8%)
    Non performing loans 10,984 11,476 (4.3%)
    NPL provisions 5,893 6,323 (6.8%)
    NPL ratio (2) 9.5% 9.8% -0.3 p.p.
    NPL coverage ratio 53.7% 55.1% -1.4 p.p.

    Mar-17 Mar-16 Change
    Results (€ million)      
    Net interest income 504  577 (12.7%)
    Gross income 886  853 3.8%
    Operating income before provisions 500  454 10.2%
    Profit/(loss) attributable to the Group 304  237 28.4%
    Key ratios (%)
    Cost to Income ratio (Operating expenses / Gross income) 43.6% 46.8% -3.2 p.p.
    R.O.A. (Profit after tax / Average total assets) (3) 0.7% 0.5% +0.2 p.p.
    RORWA (Profit after tax / RWA) (4) 1.6% 1.2% +0.4 p.p.
    ROE (Profit attributable to the group / Equity) (5) 10.2% 8.2% +2.0 p.p.
    ROTE ( Annualized attributable profit / average tangible equity) (6) 10.4% 8.3% +2.1 p.p.

    (1) Includes transactions with BFA (Mar-17 €304mn; Dec-16 €125mn).
    (2) NPL ratio excludes transactions with BFA (Mar-17 €304mn; Dec-16 €125mn).
    (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 31st March 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.


    31-Mar-16 31-Dec-16 Change
    Bankia share      
    Number of shareholders 227,744 241,879 (5.8%)
    Number of shares in issue (million) 11,517 11,517 -
    Closing price (end of period, €) (7) 1.07 0.97 9.8%
    Market capitalisation (€ million) 12,277 11,183 9.8%
    Earnings per share (8) 0.11 0.07 53.2%
    Tangible book value per share (€) (9) 1.07 1.10 (1.9%)
    PER (Last price (7) / Earnings per share) 9.97 13.91 (28.3%)
    PTBV (Last price (7) / Tangible book value per share) 0.99 0.89 11.9%
    Additional information      
    Number of branches 1,770 1,855 (4.6%)
    Number of employees 13,513 13,505 0.1%

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