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  • KEY FIGURES

    The ”la Caixa” Banking Foundation directly manages Obra Social, which has been historically representative of the ”la Caixa” Banking Foundation.

    Furthermore, it brings together in Criteria CaixaHolding, a wholly-owned investee, all the holdings of the ”la Caixa” Banking Foundation in CaixaBank and in other strategic, non-financial sectors.

    For the 7th year in a row, the “la Caixa” Banking Foundation is setting the Obra Social funds at €500M in 2014, which makes it the first private foundation in Spain and one of the most important in the world.

    € million January - March Change
    2014 2013

    Income Statement Headings

    Net interest income

    918

    896

    2,5%

    Gross income

    1.906

    1.813

    5,1%

    Pre-impairment income stripping out extraordinary costs

    923

    754

    22,4%

    Pre-impairment income

    923

    (5)

     

    Profit attributable to the Group

    229

    461

    (50,3%)

     

    € million March'14 December'13 Change

    Balance Sheet

    Total assets

    342.368

    351.269

    (2,5%)

    Equity

    27.427

    27.237

    0,7%

    Shareholders' Equity

    16.519

    16.516

    0,0%

    Total funds

    310.243

    304.636

    1,8%

    Retail funds

    264.830

    259.476

    2,1%

    Wholesale funds

    45.413

    45.160

    0,6%

    Customer loans, gross

    200.622

    206.479

    (2,8%)

     

    Efficiency and Profitability (last 12 months)

    Cost-to-income ratio (Total operating expenses/ gross income)

    57,4%

    70,0%

    (12,6)

    Cost-to-income ratio stripping out extraordinary costs

    56,3%

    58,2%

    (1,9)

    ROE (attributable profit/ average equity)

    3,1%

    4,5%

    (1,4)

    ROA (net profit / average total assets)

    0,2%

    0,3%

    (0,1)

    RORWA (net profit / Risk-weighted assets)

    0,6%

    0,7%

    (0,1)

     

    Risk Management

    Non-performing loans

    24.013

    25.365

    (1.352)

    Non-performing loan (NPL) ratio

    11,40%

    11,70%

    (0,30)

    Non-performing loan (NPL) ratio stripping out real estate developers

    6,83%

    6,86%

    (0,03)

    Loan-loss provision

    14.683

    15.486

    (803)

    NPL coverage ratio

    61%

    61%

    0

    NPL coverage ratio including collateral

    140%

    140%

    0

    NPL coverage ratio stripping out real estate developers

    64%

    63%

    1

    Foreclosed available for sale real estate assets

    8.060

    7.842

    218

    Foreclosed available for sale real estate assets coverage ratio

    55,%

    55,%

    0

    of which: land coverage

    65,%

    65,%

    0

     

    Liquidity

    65.003

    60.762

    4.241

    Loan to deposits

    105,0%

    109,9%

    (4,9)

     

    Solvency - BIS III

    Common Equity Tier 1 (CET1)

    11,30%

    10,50%

    0,8

    Tier Total

    17,60%

    17,20%

    0,4

    Risk-Weighted Assets (RWA)

    162.897

    165.944

    (3.047)

    Surplus CET1

    11.026

    9.954

    1.072

    Surplus Tier Total

    15.670

    15.188

    482

     

    Banking Business and Resources (Units)

    Customers (millions)

    13,6

    13,6

    0,0

    ”la Caixa” Group Employees

    33.132

    33.291

    (159)

    Branches

    5.716

    5.730

    (14)

    ATMs

    9.606

    9.597

    9