| |
31-12-2008 |
31-12-2007 |
| Euros | Var% | Euros |
| Balance (million euros) |
| Total assets |
543,513 |
8.2 |
502,204 |
| Customer lending (Gross) |
340,441 |
7.1 |
317,998 |
| On-balance sheet customer funds |
374,308 |
11.8 |
334,844 |
| Total customer funds |
493,324 |
1.6 |
485,621 |
| Equity |
26,679 |
-4.5 |
27,943 |
| Shareholders´ funds |
26,586 |
7.2 |
24,811 |
| Income (million euros) |
| Net interest income |
11,891 |
21.7 |
9,769 |
| Ordinary revenues |
19,853 |
9.5 |
18,133 |
| Operation Profit |
11,279 |
7.0 |
10,545 |
| Pre tax profit |
6,926 |
-18.5 |
8,495 |
| Net attributable profit |
5,020 |
-18.1 |
6,126 |
| Significant ratios |
| ROE (Net attributable profit/average equity) |
21.5 |
|
34.2 |
| ROA (Net profit/ATA) |
1.04 |
|
1.39 |
| Efficiency ratio including depreciation and amortization |
38.6 |
|
41.3 |
| NPL ratio |
2.12 |
|
0.89 |
| NPL coverage ratio |
91.0 |
|
224.8 |
| Capital adequacy ratios (BIS) |
| Total |
12.2 |
|
10.7 |
| Tier I |
6.2 |
|
6.8 |
| Core capital |
7.9 |
|
5.3 |
| Data per share and market capitalisation |
| Net attributable profit |
1.35 |
-20.6 |
1.70 |
| Dividend |
0.630 |
-14.1 |
0.733 |
| Book value |
7.09 |
7.1 |
6.62 |
| Market capitalisation |
34,457 |
-48.3 |
62,812 |
| Other information |
| Number of shares |
3,748 |
|
3,748 |
| Number of employees |
108,972 |
|
111,913 |
| Number of branches |
7,787 |
|
8,028 |
