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Key figures

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Bankia Key Figures*

100%

The Group closed the integration of Bankia’s and BMN’s technology platforms, barely two and a half months after the merger obtained all the required regulatory authorisations.

163,000

Since March 2017 the Group has recorded more than 163,000 net new customers and digital users of the “Connect with your expert” service have grown by 72.6%.

4%

Non-performing loans decline 4% in the quarter and the NPL ratio drops 20 basis points to 8.7% at the end of March 2018.

13.89%

the Group attains a CET1 Phase-in ratio of 13.89% and a Total Capital ratio of 16.88%, comfortably above the regulatory requirements for 2018.

Key Figures:

  • In March the Group closed the integration of Bankia’s and BMN’s technology platforms, barely two and a half months after the merger obtained all the required regulatory authorisations.
  • Following the technological integration, BMN customers are benefiting from Bankia’s products and conditions.
  • Since March 2017 the Group has recorded more than 163,000 net new customers and digital users of the “Connect with your expert” service have grown by 72.6%. Digital sales have reached 14.6% of total Group sales at the end of March 2018.
  • In the first quarter of 2018 the Group records an attributable profit of 229 million euros.
  • On a constant perimeter basis, operating expenses remained stable with respect to the first quarter of 2017 (+0.8%).
  • Provisions and impairments are 8.6% lower year-on-year and the Group's cost of risk narrows 8 basis points to 23 basis points at the end of March 2018.
  • Non-performing loans decline 4% in the quarter and the NPL ratio drops 20 basis points to 8.7% at the end of March 2018 (-90 basis points year-on-year on a comparable perimeter basis).
  • In terms of solvency, the Group attains a CET1 Phase-in ratio of 13.89% and a Total Capital ratio of 16.88%, comfortably above the regulatory requirements for 2018: +533 basis points over the regulatory CET1 Phase-in ratio (8.56%) and +482 bps over the minimum Total Capital Phase-in ratio (12.06%). At the end of March 2018 the CET1 Fully Loaded ratio is 12.68%.

(*) Data at March 31, 2018.

Key figures

  Mar-18 Dec-17 Change
Balance sheet (€ million)
Total assets 209,043 213,932 (2.3%)
Loans and advances to customers (net)(1) 120,410 123,025 (2.1%)
Loans and advances to customers (gross)(1) 126,400 128,782 (1.8%)
On-balance-sheet customer funds 146,567 150,181 (2.4%)
    Customer deposits and clearing houses 127,010 130,396 (2.6%)
    Borrowings, marketable securities 17,048 17,274 (1.3%)
    Subordinated liabilities 2,508 2,511 (0.1%)
Total customer funds 174,227 177,467 (1.8%)
Equity 12,960 13,222 (2.0%)
Common Equity Tier I - BIS III Phase In 11,917 12,173 (2.1%)
Solvency (%)
Common Equity Tier I - BIS III Phase In 13.89% 14.15% -0.26 p.p.
Total capital ratio - BIS III Phase In 16.88% 16.84% +0.04 p.p.
Ratio CET 1 BIS III Fully Loaded 12.68%  12.66% +0.02 p.p.
Risk management (€ million and %)
Total risk 134,258 136,353 (1.5%)
Non performing loans 11,631 12,117 (4.0%)
NPL provisions (2) 6,412 6,151 4.2%
NPL ratio 8.7% 8.9% -0.2 p.p.
NPL coverage ratio (2) 55.1% 50.8% +4.3 p.p.
  Mar-18 Mar-17(3) Change
Results (€ million)      
Net interest income 526 504 4.4%
Gross income 939 886 6.0%
Pre-provision profit 453 500 (9.3%)
Profit/(loss) attributable to the Group 229 304 (24.5%)
Key ratios (%)
Cost to Income ratio (Operating expenses / Gross income) 51.7% 43.6% +8.1 p.p.
R.O.A. (Profit after tax / Average total assets) (4) 0.4% 0.7% +0.3 p.p.
RORWA (Profit after tax / RWA) (5) 1.1% 1.6% +0.5 p.p.
ROE (Profit attributable to the group / Equity) (6) 7.5% 10.2% +2.7 p.p.
ROTE ( Profit attributable to the group / Average tangible equity) (7) 7.7% 10.4% +2.7 p.p.

(1) Includes transactions with BFA (Mar-18 €110mn; Dec-17 €47mn)
(2) Group coverage at Dec-17 including additional provisions giving that the IFRS 9 application would have been 56,5%
(3) The 1Q 2017 data corresponds to Bankia group before the merger with BMN given that it took place with accounting effect on 01/12/2017
(4) Annualized profit after tax divided by average total assets
(5) Annualized profit after tax divided by risk weighted assets at period end
(6) Annualized attributable profit divided by the previous 12 months equity average excluding the expected dividend payment
(7) Annualized Attributable profit divided by the previous 12 months tangible equity average excluding the expected dividend payment
(8) Using the last price on 29th March 2017 and 29th December 2017
(9) Annualized attributable profit divided by the number of shares in issue. In 2017 it excludes the non recurrent integration costs
(10) Total Equity less intangible assets divided by the number of shares in issue

  Mar-18 Dec-17 Change
Bankia share      
Number of shareholders 192,141 192,055 (0.04%)
Number of shares in issue (million) 3,085 3,085 -
Closing price (end of period, €) (8) 3.64 3.99 (8.7%)
Market capitalisation (€ million) 11,226 12,300 (8.7%)
Earnings per share (9) 0.30 0.26 14.1%
Tangible book value per share (€) (10) 4.30 4.34 (0.8%)
PER (Last price (8) / Earnings per share) 12.06 15.07 (20.0%)
PTBV (Last price (8) / Tangible book value per share) 0.85 0.92 (8.0%)
Additional information      
Number of branches 2,282 2,402 (5.0%)
Number of employees 17,842 17,757 0.5%

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