Cash flow CaixaBank, S.A.

Equities

CABK

ES0140609019

Banks

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1ac2866bc8bc5db89f5a.Mx3Aw6jal8zjOydHFgnPImWLcFevELFmBPUVNzccQR8.ZX72p9yy8KqudhAgQV_4ZA3pJRbOKIUscK9faGhQKWxeb6H3xajemtNzcg

Published financial data: CAIXABANK, S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	4.7B	5.5B	7.44B	14.64B	16.96B
Interest Income On Investments	2.21B	2.58B	1.95B	3.74B	4.04B
Interest Income, Total	6.91B	8.08B	9.4B	18.39B	21B
Interest On Deposits	1.86B	1.92B	2.32B	8.11B	9.79B
Total Interest On Borrowings	-	-	-	10M	-
Interest Expense, Total	1.86B	1.92B	2.32B	8.12B	9.79B
Net Interest Income	5.05B	6.17B	7.08B	10.27B	11.21B
Income From Trading Activities	127M	97M	476M	-42M	-8M
Gain (Loss) on Sale of Assets	352M	-13M	-10M	-28M	23M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-148M	15M	14M	68M	66M
Income (Loss) on Equity Invest. (Income Block)	307M	425M	264M	281M	261M
Total Other Non Interest Income	2.78B	3.55B	3.74B	3.6B	4.32B
Non Interest Income, Total	3.42B	4.08B	4.49B	3.88B	4.66B
Revenues Before Provison For Loan Losses	8.47B	10.24B	11.57B	14.14B	15.87B
Provision For Loan Losses	690M	897M	883M	1.22B	1.05B
Total Revenues	7.78B	9.34B	10.68B	12.92B	14.82B
Salaries And Other Employee Benefits	2.83B	5.59B	2.71B	2.56B	3.78B
Amort. of Goodwill & Intang. Assets	-	695M	-	774M	-
Occupancy Expense	540M	-	807M	-	778M
Selling General & Admin Expenses, Total	1.17B	1.71B	2.48B	2.42B	1.52B
Total Other Non Interest Expense	89M	291M	200M	6M	183M
Non Interest Expense, Total	4.63B	8.28B	6.2B	5.77B	6.26B
EBT, Excl. Unusual Items	3.15B	1.06B	4.48B	7.15B	8.56B
Restructuring Charges	-109M	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	4.3B	-	-	-
Asset Writedown	-124M	175M	-59M	-60M	-27M
Legal Settlements	-62M	-225M	-97M	-169M	-215M
Other Unusual Items	-1.25B	-	-	-	-
EBT, Incl. Unusual Items	1.6B	5.32B	4.33B	6.92B	8.32B
Income Tax Expense	219M	88M	1.18B	2.11B	2.52B
Earnings From Continuing Operations	1.38B	5.23B	3.15B	4.82B	5.79B
Earnings Of Discontinued Operations	-	2M	2M	2M	1M
Net Income to Company	1.38B	5.23B	3.15B	4.82B	5.8B
Minority Interest	-	-3M	-4M	-2M	-8M
Net Income - (IS)	1.38B	5.23B	3.14B	4.82B	5.79B
Preferred Dividend and Other Adjustments	143M	244M	261M	277M	267M
Net Income to Common Incl Extra Items	1.24B	4.98B	2.88B	4.54B	5.52B
Net Income to Common Excl. Extra Items	1.24B	4.98B	2.88B	4.54B	5.52B
Per Share Items
Net EPS - Basic	0.21	0.66	0.37	0.61	0.76
Basic EPS - Continuing Operations	0.21	0.66	0.37	0.61	0.76
Basic Weighted Average Shares Outstanding	5.98B	7.58B	7.82B	7.47B	7.26B
Net EPS - Diluted	0.21	0.66	0.37	0.61	0.76
Diluted EPS - Continuing Operations	0.21	0.66	0.37	0.61	0.76
Diluted Weighted Average Shares Outstanding	5.98B	7.58B	7.82B	7.47B	7.26B
Normalized Basic EPS	0.33	0.09	0.36	0.6	0.74
Normalized Diluted EPS	0.33	0.09	0.36	0.6	0.74
Dividend Per Share	0.03	0.15	0.23	0.39	0.44
Payout Ratio	30.27	4.13	37.46	35.88	68.2
American Depositary Receipts Ratio (ADR)	0.33	0.33	0.33	0.33	0.33
Supplemental Items
Effective Tax Rate - (Ratio)	13.69	1.66	27.25	30.44	30.35
Normalized Net Income	1.97B	663M	2.8B	4.47B	5.34B
Non-Cash Pension Expense	134M	2.21B	178M	43M	66M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	7M	-	911M	952M	-
Total Stock-Based Compensation	7M	-	911M	952M	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	3.08B	4.64B	4.14B	4.16B	3.85B
Investment Securities, Total	47.65B	87.31B	92.84B	170B	174B
Trading Asset Securities, Total	7.14B	12.91B	7.28B	7.96B	6.14B
Total investments	54.8B	100B	100B	178B	181B
Gross Loans	248B	361B	372B	363B	372B
Allowance For Loan Losses	-5.61B	-8.26B	-7.4B	-7.33B	-6.69B
Other Adjustments to Gross Loans	-357M	-436M	-427M	-428M	-401M
Net Loans	242B	352B	364B	355B	365B
Gross Property Plant And Equipment	8.86B	12.14B	11.41B	11.57B	11.7B
Accumulated Depreciation	-3.91B	-5.75B	-5.5B	-5.7B	-5.99B
Net Property Plant And Equipment	4.95B	6.4B	5.92B	5.88B	5.71B
Goodwill	3.05B	3.46B	3.17B	3.09B	3.09B
Other Intangibles, Total	898M	1.48B	2.05B	1.89B	1.98B
Investment in Real Estate	2.01B	1.86B	1.6B	1.42B	1.26B
Accrued Interest Receivable	464M	475M	786M	1.45B	1.57B
Other Receivables	835M	2.9B	2.74B	1.97B	2.92B
Restricted Cash	48.54B	99.57B	16.38B	33.7B	45.96B
Other Current Assets, Total	1.97B	2.11B	1.75B	1.63B	1.55B
Deferred Tax Assets Long-Term (Collected)	9.79B	19.49B	18.3B	16.95B	15.22B
Other Real Estate Owned And Foreclosed	991M	1.03B	777M	635M	566M
Other Long-Term Assets, Total	77.7B	84.41B	70.22B	1.55B	1.57B
Total Assets	452B	680B	592B	607B	631B
Liabilities
Accrued Expenses, Total	87M	1.49B	1.64B	-	-
Interest Bearing Deposits	301B	487B	422B	400B	424B
Total Deposits	301B	487B	422B	400B	424B
Short-Term Borrowings	2B	6.47B	-394M	27.47B	21.84B
Current Portion of Leases	14M	39M	32M	-	-
Long-Term Debt	35.81B	53.68B	52.61B	56.76B	56.56B
Long-Term Leases	1.45B	1.82B	1.58B	1.66B	1.57B
Current Income Taxes Payable	222M	189M	457M	748M	1.46B
Other Current Liabilities - (Bank / Utility Template)	3.43B	3.55B	4B	4.78B	4.38B
Unearned Revenue Non Current	2M	8M	12M	-	-
Pension & Other Post Retirement Benefits	1.98B	1.04B	698M	632M	581M
Deferred Tax Liability Non-Current	1.01B	2.15B	1.66B	1.35B	1.07B
Other Non Current Liabilities	79.71B	87.64B	73.82B	77.75B	82.69B
Total Liabilities	426B	645B	558B	571B	594B
Common Stock, Total	5.98B	8.06B	7.5B	7.5B	7.18B
Additional Paid In Capital	12.03B	15.27B	13.47B	13.47B	12.31B
Retained Earnings	10.1B	15.01B	16.8B	19.74B	20.5B
Treasury Stock	-12M	-19M	-25M	-519M	-299M
Comprehensive Income and Other	-2.85B	-2.92B	-3.52B	-3.89B	-2.86B
Total Common Equity	25.25B	35.39B	34.23B	36.31B	36.83B
Minority Interest	25M	31M	32M	32M	34M
Total Equity	25.28B	35.42B	34.26B	36.34B	36.87B
Total Liabilities And Equity	452B	680B	592B	607B	631B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	5.98B	8.05B	7.49B	7.37B	7.12B
ECS Total Common Shares Outstanding	5.98B	8.05B	7.49B	-	7.12B
Book Value / Share	4.22	4.39	4.57	4.93	5.17
Tangible Book Value	21.3B	30.46B	29.01B	31.32B	31.76B
Tangible Book Value Per Share	3.56	3.78	3.87	4.25	4.46
Average Assets	433B	629B	699B	619B	621B
Average Loans	266B	407B	464B	386B	393B
Total Debt	39.28B	62.02B	53.82B	85.88B	79.97B
Deposits at Interest - Cash	48.54B	99.57B	16.38B	33.7B	45.96B
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.98B	3.09B	2.21B	1.95B	1.64B
Net Debt	29.07B	44.46B	42.41B	73.76B	69.98B
Equity Method Investments, Total	3.44B	2.53B	2.03B	1.92B	1.87B
Full Time Employees	35.17K	49.61K	44.32K	44.67K	45.73K
Part Time Employees	48	53	104	115	124
Number Of Offices	4.22K	5.32K	4.41K	4.19K	4.14K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.38B	5.23B	3.14B	4.82B	5.79B
Depreciation, Depletion & Amortization	380M	469M	509M	479M	468M
Amortization of Goodwill and Intangible Assets - (CF)	35M	77M	123M	94M	90M
Total Depreciation, Depletion & Amortization	415M	546M	632M	573M	558M
Amortization of Deferred Charges, Total	125M	149M	175M	201M	220M
Change in Trading Asset Securities	-475M	14.2B	5.99B	910M	104M
Change in Other Net Operating Assets (Collected)	33.74B	20.98B	-89.44B	7.39B	9.63B
Other Operating Activities	2.37B	-2.47B	-379M	1.85B	547M
Cash from Operations	37.56B	38.63B	-79.88B	15.74B	16.85B
Capital Expenditure	-403M	-358M	-440M	-412M	-317M
Sale of Property, Plant, and Equipment	228M	311M	138M	134M	83M
Cash Acquisitions	-	-	-250M	-	-
Divestitures	-	277M	-	-	-
Purchase / Sale of Intangible Assets	-287M	-319M	-475M	-373M	-433M
Investment in Marketable and Equity Securities, Total	644M	159M	152M	80M	89M
Other Investing Activities, Total	302M	13.82B	1.04B	774M	426M
Cash from Investing	484M	13.89B	164M	203M	-152M
Long-Term Debt Issued, Total	746M	1.75B	750M	2.32B	1.75B
Total Debt Issued	746M	1.75B	750M	2.32B	1.75B
Long-Term Debt Repaid, Total	-	-665M	-1.76B	-1.5B	-2B
Total Debt Repaid	-	-665M	-1.76B	-1.5B	-2B
Issuance of Common Stock	6M	8M	15M	19M	23M
Repurchase of Common Stock	-8M	-15M	-1.82B	-513M	-1.29B
Common Dividends Paid	-418M	-216M	-1.18B	-1.73B	-3.95B
Common & Preferred Stock Dividends Paid	-418M	-216M	-1.18B	-1.73B	-3.95B
Other Financing Activities, Total	-1.87B	-774M	7M	2.8B	714M
Cash from Financing	-1.54B	88M	-3.98B	1.39B	-4.75B
Foreign Exchange Rate Adjustments	-5M	1M	1M	-1M	1M
Net Change in Cash	36.5B	52.6B	-83.69B	17.34B	11.94B
Supplemental Items
Cash Interest Paid	2.12B	2.64B	1.28B	7.4B	9.59B
Cash Income Tax Paid (Refund)	150M	851M	395M	59M	1.45B
Net Debt Issued / Repaid	746M	1.08B	-1.01B	818M	-250M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.33	0.92	0.49	0.8	0.94
Return On Equity %	5.48	17.22	9.03	13.75	15.83
Return on Common Equity	4.92	16.42	8.28	12.97	15.09
Shareholders Value Added	-1.54B	1.66B	-909M	711M	1.49B
Margin Analysis
SG&A Margin	58.39	78.05	56.17	38.59	41
Net Interest Income / Total Revenues %	64.9	65.99	66.26	79.46	75.63
EBT Excl. Non-Recurring Items Margin %	40.47	11.4	41.95	55.37	57.77
Income From Continuing Operations Margin %	17.76	55.93	29.46	37.28	39.1
Net Income Margin %	17.76	55.92	29.44	37.28	39.05
Net Avail. For Common Margin %	15.92	53.29	26.98	35.12	37.24
Normalized Net Income Margin	25.29	7.09	26.18	34.59	36.05
Asset quality
Nonperforming Loans / Total Loans %	3.32	3.6	2.71	2.77	2.6
Nonperforming Loans / Total Assets %	1.83	1.91	1.7	1.65	1.54
Nonperforming Assets / Total Assets %	2.05	2.06	1.83	1.76	1.63
NPAs / Loans and OREO	3.71	3.87	2.91	2.94	2.75
NPAs / Equity	36.58	39.5	31.71	29.36	27.83
Allowance for Credit Losses / Net Charge-offs %	2.55K	889.13	687.83	849.36	649.76
Allowance for Credit Losses / Nonperforming Loans %	67.94	63.7	73.38	73.04	68.98
Allowance for Credit Losses / Total Loans %	2.26	2.29	1.99	2.02	1.8
Net Charge-offs / Total Average Loans %	0.08	0.23	0.23	0.22	0.26
Provision for Loan Losses / Net Charge-offs %	313.64	96.56	82.06	141.83	102.33
Earning Assets / IBL	95.23	94.97	95.43	94.97	96.05
Interest Income / Average Assets	1.6	1.29	1.34	2.97	3.38
Interest Expense / Average Assets	0.43	0.3	0.33	1.31	1.58
Net Interest Income / Average Assets	1.17	0.98	1.01	1.66	1.8
Non Interest Income / Average Assets	0.79	0.65	0.64	0.63	0.75
Non Interest Expense / Average Asset	1.07	1.32	0.89	0.93	1.01
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.98	5.36	5.47	5.8	5.91
Total Average Equity / Total Average Assets %	5.98	5.36	5.48	5.81	5.91
Total Equity + Allowance for Loan Losses / Total Loans %	12.42	12.1	11.19	12.04	11.69
Gross Loans / Total Deposits %	82.66	74.13	88.21	90.71	87.8
Net Loans / Total Deposits %	80.68	72.35	86.35	88.77	86.13
Tier 1 Capital Ratio %	15.7	15.5	14.8	14.4	14
Total Capital Ratio %	18.1	17.9	17.3	17.1	16.6
Core Tier 1 Capital Ratio	13.6	13.1	12.8	12.4	12.2
Tier 2 Capital Ratio	2.4	2.4	2.6	2.8	2.7
Coverage Ratio	67.94	63.7	73.38	73.04	68.98
Interbank Ratio	111.03	57.38	95.4	62.99	134.9
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	693.4	-
EBT + Interest Expense / Interest Expense	1.86	3.77	2.87	1.85	1.85
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-1.31	22.19	14.79	52.88	9.07
Non Interest Income, 1 Yr. Growth %	-0.73	19.96	10.11	-10.87	20.32
Provision For Loan Losses, 1 Yr. Growth %	62.35	30	-1.56	38.62	-14.25
Total Revenues, 1 Yr. Growth %	-4.39	20.52	14.32	26.88	14.66
Earnings From Cont. Operations, 1 Yr. Growth %	-19.15	278.49	-39.79	53.82	20.31
Net Income, 1 Yr. Growth %	-19	278.42	-39.82	53.91	20.16
Normalized Net Income, 1 Yr. Growth %	-4.35	-66.02	322.15	59.96	19.56
Diluted EPS Before Extra, 1 Yr. Growth %	-20.34	217.4	-43.93	65.7	25.11
Dividend Per Share, 1 Yr. Growth %	-61.71	445.9	57.62	69.95	11.05
Gross Loans, 1 Yr. Growth %	7.06	45.19	3.17	-2.63	2.67
Allowance For Loan Losses, 1 Yr. Growth %	19.34	47.26	-10.4	-0.96	-8.79
Net Loans, 1 Yr. Growth %	6.82	45.17	3.49	-2.67	2.92
Non Performing Loans, 1 Yr. Growth %	-1.56	57.06	-22.22	-0.51	-3.41
Non Performing Assets, 1 Yr. Growth %	-2.38	51.34	-22.37	-1.78	-3.85
Total Assets, 1 Yr. Growth %	15.36	50.61	-12.91	1.39	3.93
Total Deposits, 1 Yr Growth %	24.32	61.89	-13.29	-4.14	6.08
Tangible Book Value, 1 Yr. Growth %	0.1	42.98	-4.76	9.32	1.4
Average Interest Earning Assets, 1 Yr. Growth %	11.1	45.03	13.71	-13.18	1.18
Average Interest Bearing Liabilities, 1 Yr. Growth %	10.74	45.42	13.17	-12.65	0.05
Common Equity, 1 Yr. Growth %	0.52	40.16	-3.29	7.82	1.45
Total Equity, 1 Yr. Growth %	0.5	40.14	-3.28	7.81	1.45
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.06	9.81	18.43	29.02	29.19
Non Interest Income, 2 Yr. CAGR %	9.97	9.62	15.2	-2.46	3.56
Provision For Loan Losses, 2 Yr. CAGR %	135.89	45.28	13.12	16.81	9.26
Total Revenues, 2 Yr. CAGR %	0.13	7.54	17.5	17.58	20.64
Earnings From Cont. Operations, 2 Yr. CAGR %	-18.81	74.94	50.96	-4.01	36.03
Net Income, 2 Yr. CAGR %	-16.59	75.07	50.91	-4	36
Normalized Net Income, 2 Yr. CAGR %	5.19	-42.75	21.92	159.69	38.29
Diluted EPS Before Extra, 2 Yr. CAGR %	-20.45	59.01	33.41	-3.88	43.98
Dividend Per Share, 2 Yr. CAGR %	-60.3	44.57	193.33	63.67	37.38
Gross Loans, 2 Yr. CAGR %	3.6	24.67	22.39	0.26	-0.01
Allowance For Loan Losses, 2 Yr. CAGR %	-0.91	32.57	14.87	-5.8	-4.95
Net Loans, 2 Yr. CAGR %	3.72	24.53	22.57	0.4	0.09
Non Performing Loans, 2 Yr. CAGR %	-12.34	24.34	10.53	-12.03	-1.97
Non Performing Assets, 2 Yr. CAGR %	-11.14	20.58	8.39	-12.68	-2.82
Total Assets, 2 Yr. CAGR %	8.08	31.81	14.53	-5.51	2.65
Total Deposits, 2 Yr CAGR %	10.16	41.87	18.48	-8.37	0.84
Tangible Book Value, 2 Yr. CAGR %	1.97	19.63	16.69	1.4	5.28
Average Interest Earning Assets, 2 Yr. CAGR %	8.31	26.94	28.42	-4.49	-6.28
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.54	26.9	28.28	-4.31	-6.52
Common Equity, 2 Yr. CAGR %	1.87	18.7	16.43	1.28	4.58
Total Equity, 2 Yr. CAGR %	1.86	18.68	16.42	1.28	4.58
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.18	6.87	11.45	26.7	22.04
Non Interest Income, 3 Yr. CAGR %	4.97	12.95	9.78	4.67	4.61
Provision For Loan Losses, 3 Yr. CAGR %	-5.01	93.4	27.6	21.05	5.49
Total Revenues, 3 Yr. CAGR %	3.45	6.4	9.76	18.63	16.62
Earnings From Cont. Operations, 3 Yr. CAGR %	-7.07	35.63	22.59	51.65	3.49
Net Income, 3 Yr. CAGR %	-6.4	38.08	22.64	51.65	3.46
Normalized Net Income, 3 Yr. CAGR %	9.32	-28.03	11.43	33.41	100.52
Diluted EPS Before Extra, 3 Yr. CAGR %	-9.31	26.17	12.34	43.14	4.95
Dividend Per Share, 3 Yr. CAGR %	-43.68	-4.88	48.79	144.54	43.82
Gross Loans, 3 Yr. CAGR %	2.56	15.94	17.05	13.43	1.06
Allowance For Loan Losses, 3 Yr. CAGR %	-6.29	13.08	16.34	9.33	-6.8
Net Loans, 3 Yr. CAGR %	2.8	16.02	17.08	13.53	1.23
Non Performing Loans, 3 Yr. CAGR %	-	6.47	6.34	6.72	-9.24
Non Performing Assets, 3 Yr. CAGR %	-	6.12	4.12	4.89	-9.83
Total Assets, 3 Yr. CAGR %	5.63	20.72	14.8	10.38	-2.46
Total Deposits, 3 Yr CAGR %	5.62	25.25	20.4	9.97	-3.78
Tangible Book Value, 3 Yr. CAGR %	1.08	14.14	10.88	13.71	1.4
Average Interest Earning Assets, 3 Yr. CAGR %	7.04	19.38	22.36	12.67	-2.63
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.23	18.92	22.15	12.77	-2.88
Common Equity, 3 Yr. CAGR %	1.11	13.3	10.86	12.86	1.34
Total Equity, 3 Yr. CAGR %	0.55	13.29	10.85	12.86	1.34
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.07	7.2	7.75	15.23	16.99
Non Interest Income, 5 Yr. CAGR %	5.48	11.1	8.7	6.51	6.59
Provision For Loan Losses, 5 Yr. CAGR %	-16.06	13.9	1.87	58.08	19.9
Total Revenues, 5 Yr. CAGR %	7.1	8.22	8.74	10.74	12.9
Earnings From Cont. Operations, 5 Yr. CAGR %	11.02	37.7	12.83	18.11	27.67
Net Income, 5 Yr. CAGR %	11.14	37.93	13.31	19.39	27.69
Normalized Net Income, 5 Yr. CAGR %	25.42	-13.06	13.19	20.25	21.45
Diluted EPS Before Extra, 5 Yr. CAGR %	8.09	29.66	5.83	13.16	23.92
Dividend Per Share, 5 Yr. CAGR %	-30.05	2.39	8.98	18.18	44.12
Gross Loans, 5 Yr. CAGR %	2.6	11.15	10.07	9.39	9.91
Allowance For Loan Losses, 5 Yr. CAGR %	-9.37	4.31	1.66	5.11	7.3
Net Loans, 5 Yr. CAGR %	3.01	11.35	10.3	9.5	9.98
Non Performing Loans, 5 Yr. CAGR %	-13.04	-2.01	-	-1.36	2.94
Non Performing Assets, 5 Yr. CAGR %	-23.3	-14.46	-	-1.84	1.28
Total Assets, 5 Yr. CAGR %	5.57	14.34	9.1	9.45	10.02
Total Deposits, 5 Yr CAGR %	6.37	16.44	10.59	10.05	11.89
Tangible Book Value, 5 Yr. CAGR %	-0.18	8.95	7.06	8.86	8.33
Average Interest Earning Assets, 5 Yr. CAGR %	10.09	18.97	15.12	10.91	9.96
Average Interest Bearing Liabilities, 5 Yr. CAGR %	9.71	18.54	14.56	10.65	9.71
Common Equity, 5 Yr. CAGR %	0.07	8.51	6.98	8.33	7.95
Total Equity, 5 Yr. CAGR %	0.06	8.5	6.62	8.32	7.95