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Bankia Key Figures*

744

The Bankia Group posts attributable profit of 744 million euros in the first nine months of 2018.

+105,000

Since September 2017, the number of customers with payroll and pension deposits increase by 105,000. In relation to the first nine months of 2017, card turnover at retail businesses grows by 12.4%, and Point of Sales (POS) turnover by 15.6%.

23.5%

Sales through digital channels account for 23.5% of total sales and digital customers 42.8% of the Group’s total customer base at the end of September 2018.

13.83%

Regarding capital adequacy, the Group reports a CET1 Phase-in ratio of 13.83% and a CET1 Fully Loaded ratio of 12.46%. Both ratios are considerably higher than the regulatory minimums imposed for 2018: +527 bps higher than the regulatory CET1 Phase-in ratio (8.56%) and +321 bps higher than the regulatory CET1 Fully Loaded ratio (9.25%).

Key Figures:

  • The Bankia Group posts attributable profit of 744 million euros in the first nine months of 2018.

    On a constant perimeter basis, operating expenses fall by 2.9% compared to the first nine months of 2017 and by 0.3% in the quarter, as cost synergies capture from the BMN merger is accelerated.

    Since September 2017, the number of customers with payroll and pension deposits increase by 105,000. In relation to the first nine months of 2017, card turnover at retail businesses grows by 12.4%, and Point of Sales (POS) turnover by 15.6%.

    Sales through digital channels account for 23.5% of total sales and digital customers 42.8% of the Group’s total customer base at the end of September 2018.

    The positive momentum of new loans continues. New mortgages grow by 4.7% compared to the first nine months of 2017. New consumer lending and new lending to companies is up 9.8% and 3.0%, respectively.

    Efforts to attract customer funds still focus around mutual funds and demand deposits, with increases of 3.8% and 30%, respectively, since December 2017. During the first nine months of 2018, Bankia’s market share in mutual funds rises by 2 bps to 6.4%.

    The stock of NPLs shrink by 14.5% since December 2017 and is down 4.1% over the quarter, reducing the Group’s NPL ratio to 7.8%, a 30 bps quarter-on-quarter (QOQ) improvement and 110 bps reduction since the previous year-end).

    Regarding capital adequacy, the Group reports a CET1 Phase-in ratio of 13.83% and a CET1 Fully Loaded ratio of 12.46%. Both ratios are considerably higher than the regulatory minimums imposed for 2018: +527 bps higher than the regulatory CET1 Phase-in ratio (8.56%) and +321 bps higher than the regulatory CET1 Fully Loaded ratio (9.25%).

(*) Data at September 30, 2018.

Key figures

  Sep-18 Dec-17 Change
Balance sheet (€ million)
Total assets 204,205 213,932 (4.5%)
Loans and advances to customers (net)(1) 120,514 123,025 (2.0%)
Loans and advances to customers (gross)(1) 125,794 128,782 (2.3%)
On-balance-sheet customer funds 143,085 150,181 (4.7%)
    Customer deposits and clearing houses 125,222 130,396 (4.0%)
    Borrowings, marketable securities 14,872 17,274 (13.9%)
    Subordinated liabilities 2,991 2,511 19.1%
Total customer funds 171,167 177,481 (3.6%)
Equity 13,120 13,222 (0.8%)
Common Equity Tier I - BIS III Phase In 11,482 12,173 (5.7%)
Solvency (%)
Common Equity Tier I - BIS III Phase In (2) 13.83% 13.84% -0.01 p.p.
Total capital ratio - BIS III Phase In (2) 17.64% 16.56% +1.08 p.p.
Ratio CET1 BIS III Fully Loaded (2) 12.46%  12.46% +0.00 p.p.
Risk management (€ million and %)
Total risk 132,962 136,353 (2.5%)
Non performing loans 10,362 12,117 (14.5%)
NPL provisions (3) 5,677 6,151 (7.7%)
NPL ratio 7.8% 8.9% -1.1 p.p.
NPL coverage ratio (3) 54.8% 50.8% +4.0 p.p.
  Sep-18 Jun-17(4) Change
Results (€ million)      
Net interest income 1,542 1,467 5.1%
Gross income 2,706 2,398 12.8%
Pre-provision profit 1,304 1,247 4.5%
Profit/(loss) attributable to the Group 744 739 0.6%
Key ratios (%)
Cost to Income ratio (Operating expenses / Gross income) 51.8% 48.0% +3.8 p.p.
R.O.A. (Profit after tax / Average total assets) (5) 0.5% 0.5% -
RORWA (Profit after tax / RWA) (6) 1.2% 1.3% -0.1 p.p.
ROE (Profit attributable to the group / Equity) (7) 7.9% 8.1% -0.2 p.p.
ROTE ( Profit attributable to the group / Average tangible equity) (8) 8.1% 8.3% -0.2 p.p.
  Sep-18 Dec-17 Change
Bankia share      
Number of shareholders 186,034 192,055 (3.14%)
Number of shares in issue (million) 3,085 3,085 -
Closing price (end of period, €) (9) 3.38 3.99 (15.3%)
Market capitalisation (€ million) 10,418 12,300 (15.3%)
Earnings per share (€) (10) 0.27 0.26 3.6%
Tangible book value per share (€) (11) 4.20 4.34 (3.1%)
PER (Last price (9) / Earnings per share(10)) 12.33 15.07 (18.2%)
PTBV (Last price (9) / Tangible book value per share) 0.80 0.92 (12.6%)
Additional information      
Number of branches 2,301 2,423 (5.0%)
Number of employees 16,252 17,757 (8.5%)

(1) Includes balances with BFA (in September the balance was 0 and in Dec-17 €47mn)

(2) In Dec-17, capital ratios post merger with BMN and including IFRS 9 impact

(3) In Dec-17, the Group coverage, with the inclusion of additional provisions for impairments resulting from IFRS 9 application, would have been 56,5%

(4) The Sep-17 data corresponds to Bankia Group before the merger with BMN given that it took place with accounting effect on 01/12/2017

(5) Annualized profit after tax divided by average total assets

(6) Annualized profit after tax divided by risk weighted assets at period end

(7) Annualized attributable profit divided by the previous 12 months equity average, excluding the expected dividend payment

(8) Annualized Attributable profit divided by the previous 12 months tangible equity average, excluding the expected dividend payment

(9) Using the last price as of 28th September 2018 and 29th December 2017

(10) Annualized attributable profit divided by the number of shares in issue. 2017 excludes the non recurrent integration costs. Sep-18 includes the contribution to the Deposit Guarantee Fund

(11) Total Equity less intangible assets divided by the number of shares in issue

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