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BankiaKey figures

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Key figures*:

  • Attributable profit stands at 804 million euros, with major advances in the commercial strategy, a strong capital position and further improvements in costs and risk management. This result allows Bankia to propose an increase in the dividend by 5% compared with 2015.
  • The number of customers with direct income deposit is up by 172,300 year-on-year and the number of new credit cards issued increases 3.5 times compared to 2015.
  • Dynamism in new customer funds. Customer funds are up 2.5% year-on-year, with particularly strong performance in mutual funds (+8.2%), demand accounts (+20.4%) and savings accounts (+13%). The Group has strengthened its market share in mutual funds, which stands at 5.53% at the end of 2016 (+9 bps vs. 2015).
  • Significant progress in the multi-channel strategy. At year-end 2016, multi-channel customers make up 37.6% of the total, compared to 31.5% at the end of 2015. The volume of customers managed through the digital banking service “Connect with your expert” reaches 300.000 customers, almost tripling the previous year’s figure.
  • The gross inflow of NPLs is down 36.4% year-on-year and the stock of NPLs is down 11.7%, maintaining a high NPL coverage ratio, which ends the year at 55.1%, including the impact of the change in estimates introduced by Anejo IX of Bank of Spain Circular4/2016.
  • This NPLs performance has lowered the Group’s NPL ratio by 100 bps compared with 2015, and stands at 9.8% at year end 2016.
  • The Bankia Group maintains a solid capital position, thanks to its ability to generate capital organically. At the end of 2016 the Group has a Phase In CET1 ratio of 14.70% (+81 bps vs 2015) and a Fully Loaded CET1 ratio (not including unrealised gains on the available-for-sale sovereign portfolio) of 13.02% (+76 bps vs Dec. 2015).

(*) Data at December 31, 2016.

Key figures

  Dec-16 Dec-15 Change
Balance sheet (€ million)
Total assets 190,167 206,970 (8.1%)
Loans and advances to customers (net) (1) 104,677 110,570 (5.3%)
Loans and advances to customers (gross)(1) 110,595 117,977 (6.3%)
On-balance-sheet customer funds 125,001 132,629 (5.8%)
    Customer deposits and clearing houses 105,155 108,702 (3.3%)
    Borrowings, marketable securities 18,801 22,881 (17.8%)
    Subordinated liabilities 1,045 1,046 (0.0%)
Total managed customer funds 145,097 151,645 (4.32%)
Equity 12,303 11,934 3.1%
Common Equity Tier I - BIS III Phase In 11,330 11,289 0.4%
Capital adequacy (%)
Common Equity Tier I - BIS III Phase In 14.70% 13.89% +0.81 p.p.
Total capital ratio - BIS III Phase In 16.03% 15.16% +0.87 p.p.
Ratio CET 1 BIS III Fully Loaded 13.02%  12.26% +0.76 p.p.
Risk management (€ million and %)
Total risk (2) 117,205 120,924 (3.1%)
Non performing loans 11,476 12,995 (11.7%)
NPL provisions 6,323 7,794 (18.9%)
NPL ratio (2) 9.8% 10.8% -1.0 p.p.
NPL coverage ratio 55.1% 60.0% -4.9 p.p.

Dec-16 Dec-15 Change
Results (€ million)      
Net interest income 2,148 2,740 (21.6%)
Gross income 3,166 3,806 (16.8%)
Operating income before provisions 1,619 2,148 (24.7%)
Profit/(loss) attributable to the Group 804  1,040  (22.7%)
Key ratios (%)
Cost to Income ratio (Operating expenses / Gross income) 48.9% 43.6% +5.3 p.p.
R.O.A. (Profit after tax / Average total assets) (3) 0.4% 0.5% -0.1 p.p.
RORWA (Profit after tax / RWA) (4) 1.0% 1.3% -0.3 p.p.
ROE (Profit attributable to the group / Equity) (5) 6.7% 9.0% -2.3 p.p.
ROE ex mortgages floors provision as 2016 and IPO as 2015(5) 7.3% 10.6% -3.3 p.p.
ROTE ( Annualized attributable profit / average tangible equity) (6) 6.9% 9.2% -2.3 p.p.

(1) Includes transactions with BFA (Dec-16 €125mn; Dec-15 €2,005mn)
(2) NPL ratio excludes transactions with BFA (Dec-16 €125mn; 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 December 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


31-Dec-16 31-Dec-15 Change
Bankia share      
Number of shareholders 241,879 435,755 (44.5%)
Number of shares in issue (million) 11,517 11,517 -
Closing price (end of period, €) (7) 0.971 1.074 (9.6%)
Market capitalisation (€ million) 11,183 12,370 (9.6%)
Earnings per share (8) 0.07 0.09 (22.7%)
Tangible book value per share (€) (9) 1.10 1.08 1.0%
PER (Last price (7) / Earnings per share) 13.91 11.89 16.9%
PTBV (Last price (7) / Tangible book value per share) 0.89 0.99 (10.5%)
Cash dividend per share 2.756 2.625 5.0%
Additional information      
Number of branches 1,855 1,932 (4.0%)
Number of employees 13,505 13,569 (0.5%)

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