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Bankia Key Figures*

-1.7%

The focus on efficiency and the first synergies generated from the merger with BMN reduce operating expenses by -1.7% compared with June 2017 on a constant perimeter basis.

+112,000

New customers with direct income deposits are up 112,000 vs. June 2017 and debit and credit card revenue grows 12% to reach a market share of 11.8%.

8.1%

Non-performing loans are down 10.8% since December 2017 and down 7.1% in the quarter. This decline brings the Group’s NPL ratio to 8.1% at the end of June.

14.01%

 The Group has reached a CET1 Phase-in ratio of 14.01% and a Total Capital ratio of 17.18%, giving a broad margin over and above the regulatory requirements for 2018.

Key Figures:

  • Bankia posts net attributable profit of 515 million euros in the first half after capturing the first synergies from the merger with BMN.

    The focus on efficiency and the first synergies generated from the merger with BMN reduce operating expenses by 1.7% compared with June 2017 on a constant perimeter basis.

    At the end of June 2018 digital customers account for 40.9% of the Group’s total customers and sales through digital channels make up 16.8% of the Group’s total sales.

    Customers with direct income deposits are up 112,000 vs. June 2017 and debit and credit card revenue grows 12% to reach a market share of 11.8%.

    New lending grows, with significant increases in the quarter both in lending to businesses (+35.8%) and to individuals, through mortgage loans (+18.1%) and consumer loans (+34.6%).

    The strategy for attracting savings remains focused on the more liquid resources and on mutual funds. Demand deposits are up 32.3% in the half-year and mutual funds increase 4.1%.

    Non-performing loans are down 10.8% since December 2017 and down 7.1% in the quarter. This decline brings the Group’s NPL ratio to 8.1% at the end of June, an improvement of 80 basis points compared to December 2017 and 60 basis points in the quarter.

    As regards solvency, the Group has reached a CET1 Phase-in ratio of 14.01% and a Total Capital ratio of 17.18%, giving a broad margin over and above the regulatory requirements for 2018: +545 basis points over the regulatory CET1 Phase-in ratio (8.56%) and +512 bps over the minimum Total Capital Phase-in ratio (12.06%). At the end of June 2018, the CET1 Fully Loaded ratio stands at 12.70%.

(*) Data at June 30, 2018.

Key figures

  Jun-18 Dec-17 Change
Balance sheet (€ million)
Total assets 208,208 213,932 (2.7%)
Loans and advances to customers (net)(1) 121,534 123,025 (1.2%)
Loans and advances to customers (gross)(1) 127,082 128,782 (1.3%)
On-balance-sheet customer funds 146,147 150,181 (2.7%)
    Customer deposits and clearing houses 128,696 130,396 (1.3%)
    Borrowings, marketable securities 14,969 17,274 (13.3%)
    Subordinated liabilities 2,482 2,511 (1.2%)
Total customer funds 174,091 177,467 (1.9%)
Equity 12,894 13,222 (2.5%)
Common Equity Tier I - BIS III Phase In 11,720 12,173 (3.7%)
Solvency (%)
Common Equity Tier I - BIS III Phase In 14.01% 14.15% -0.14 p.p.
Total capital ratio - BIS III Phase In 17.18% 16.84% +0.34 p.p.
Ratio CET 1 BIS III Fully Loaded 12.70%  12.66% +0.04 p.p.
Risk management (€ million and %)
Total risk 133,962 136,353 (1.8%)
Non performing loans 10,809 12,117 (10.8%)
NPL provisions (2) 5,945 6,151 (3,4%)
NPL ratio 8.1% 8.9% -0.8 p.p.
NPL coverage ratio (2) 55.0% 50.8% +4.2 p.p.
  Jun-18 Jun-17(3) Change
Results (€ million)      
Net interest income 1.047 995 5.3%
Gross income 1.841 1.648 11.8%
Pre-provision profit 897 884 1.5%
Profit/(loss) attributable to the Group 515 514 0,1%
Key ratios (%)
Cost to Income ratio (Operating expenses / Gross income) 51.3% 46.4% +4.9 p.p.
R.O.A. (Profit after tax / Average total assets) (4) 0.5% 0.6% -0.1 p.p.
RORWA (Profit after tax / RWA) (5) 1.2% 1.4% -0.1 p.p.
ROE (Profit attributable to the group / Equity) (6) 8.3% 8.6% -0.2 p.p.
ROTE ( Profit attributable to the group / Average tangible equity) (7) 8.5% 8.7% -0.2 p.p.
  Jun-18 Dec-17 Change
Bankia share      
Number of shareholders 189,897 192,055 (1.12%)
Number of shares in issue (million) 3,085 3,085 -
Closing price (end of period, €) (8) 3.21 3.99 (19.6%)
Market capitalisation (€ million) 9,893 12,300 (19.6%)
Earnings per share (9) 0.34 0.26 27.2%
Tangible book value per share (€) (10) 4.19 4.34 (3.3%)
PER (Last price (8) / Earnings per share) 9.53 15.07 (36.7%)
PTBV (Last price (8) / Tangible book value per share) 0.77 0.92 (16.80%)
Additional information      
Number of branches 2,284 2,402 (4.9%)
Number of employees 16,493 17,757 (7.1%)

(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. 2017 excludes the non recurrent integration costs

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

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