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Report BFA - Bankia 2015 / Key figures

Millions of euros.


BFA VAR.
 2015-2014
BANKIA VAR.
 2015-2014
Net interest income 2,811 6.8% 2,740 -6.4%
Gross income 5,288 29.6% 3,806 -5.1%
Operating profit (before provisions) 3,624 55.4% 2,148 -5.2%
Attributable profit 1,199 934.4% 1,040 39.2%
Efficiency (operating expenses/gross income) 31.5% -11.4 p.p. 43.6% 0.1 p.p.
ROA (net income/ATAs) 0.7% 0.3 p.p. 0.5% 0.2 p.p.
ROE (excluding effect of provision for IPO) 16.8% 9.3 p.p. 10.6% 2.0 p.p.
Total assets 213,699 -11.9% 206,970 -11.4%
Net loans and advances to customers 108,573 -3.6% 110,570 -1.9%
Customer funds under management 155,727 0.2% 155,402 2.1%
Business volume 264,300 -1.4% 265,971 0.4%
NPL Ratio (*) 10.7% -2.2 p.p. 10.8% -2.1 p.p.
Provisions 7,942 -17.9% 7,794 -18.2%
NPL coverage 60.6% 2.4 p.p. 60.0% 2.4 p.p.
Loan to deposits (*) 103.5% -2.0 p.p. 101.9% -3.6 p.p.
Common Equity Tier 1 (CET 1) Fully Loaded (**) 12.88% 2.5 p.p. 12.26% 1.7 p.p.
Common Equity Tier 1 (CET 1) Phase in (**) 14.58% 1.3 p.p. 13.89% 1.6 p.p.
Number of shares (mn)     11,517 =
Year-end share price (in euros)     1,074 -13.2%
Market Capitalisation     12,370 -13.2%
Earnings per share (in euros)     0.09 28.6%
Number of branches 1,941
-1.9%
1,941 -1.9%
Number of employees 13,572
-5.8%
13,318(***) -5.7%
Volume of new loans granted (in million euros)     16,600 12.5%
Mortgage modifications (No.)     12,341 -12.3%
Social rents (No.)     638 -2.50%
  2015 2014
Hours of training 774,667 15.74%
Diversity: Men/Women (%) 45.55%/54.45% 45.87%/54.13%
Open-ended contracts (%) 100% 100%
Electricity consumption (Gj) 379,638 369,051
Electricity acquired from renewable energy sources (green energy) 100% 100%
Emissions avoided thanks to acquisition of electricity from renewable sources (t CO2) 39,018 36,905
Recycled paper used (DIN A4) (%) 99.78% 99.80%

* In 2015, loans excludes balances with BFA, primarily from reverse repo transactions, and amounts recoverable from BFA as a result of this entity assuming 60% of the estimated contingencies in the proceedings associated with the Bankia IPO.
** Includes net income for the period to be taken to reserves.
*** Data for Bankia, S.A.

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