CaixaBank – la entidad líder en banca m inorista en España

CaixaBank – la entidad líder en banca m inorista en España

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Importes en millones de euros
2010
2009
% Var.
Ingresos financieros
7.104
9.210
(22,9)
Gastos financieros
(3.647)
(5.007)
(27,2)
3.457
4.203
(17,7)
323
238
35,7
Margen de intereses
Dividendos
Resultados por puesta en equivalencia
594
433
37,2
1.468
1.347
9,0
Rtdos. de operaciones financieras y difer. de cambio
253
130
94,6
Otros productos y cargas de explotación
349
364
(4,1)
6.444
6.715
(4,0)
(3.272)
(3.394)
(3,6)
(4,5)
Comisiones netas
Margen bruto
Total gastos de explotación
Margen de explotación
Pérdidas por deterioro de activos
Resultados de la actividad de explotación
Ganancias/pérdidas en baja de activos y otros
3.172
3.321
(1.456)
(1.401)
1.716
1.920
9
69
3,9
(10,6)
(87,0)
Resultado antes de impuestos
1.725
1.989
(13,3)
Impuestos sobre beneficios
(200)
(381)
(47,5)
1.525
1.608
(5,2)
Resultado después de impuestos
Resultado de minoritarios
Resultado Recurrente
1
0,0
1.524
1.608
806
265
Saneamientos extraordinarios
Subtotal extraordinarios
(481)
(284)
325
(19)
Dotación para la gestión furura del negocio
(165)
(200)
1.684
1.389
Beneficios extraordinarios
Resultado neto atribuido al Grupo
(5,2)
21,2
=
% "
Importes en millones de euros
Margen de intereses
*
J'
4T10
4
3T10
2T10
1T10
964
3T09
1.001
2T09
1.039
1T09
785
781
1.117
1.046
4
2
313
4
8
1
105
124
Resultados por puesta en equivalencia
165
136
129
164
106
110
100
117
Comisiones netas
375
388
362
343
339
341
335
332
Dividendos
927
4T09
Rtdos. de operaciones financieras y difer. de cambio
39
82
86
46
30
39
27
34
Otros productos y cargas de explotación
76
105
78
90
93
82
96
93
Margen bruto
1.444
1.494
1.895
1.611
1.577
1.612
1.780
1.746
Total gastos de explotación
(801)
(810)
(831)
(830)
(862)
(847)
(845)
(840)
Margen de explotación
643
684
1.064
781
715
765
935
906
(232)
(356)
(495)
(373)
(365)
(290)
(462)
(284)
Resultados de la actividad de explotación
411
328
569
408
350
475
473
622
Ganancias/pérdidas en baja de activos y otros
11
3
98
(16)
(5)
(8)
Pérdidas por deterioro de activos
(127)
122
Resultado antes de impuestos
422
331
442
530
448
459
468
614
Impuestos sobre beneficios
(82)
(19)
(1)
(98)
(90)
(101)
(78)
(112)
Resultado después de impuestos
340
312
441
432
358
358
390
502
312
441
432
358
358
390
502
Resultado de minoritarios
Resultado Recurrente
1
339
703
6
97
Saneamientos extraordinarios
Subtotal extraordinarios
(374)
(5)
(102)
329
1
-5
Dotación para la gestión furura del negocio
(165)
Beneficios extraordinarios
Resultado neto atribuido al Grupo
503
265
(15)
0
-15
(269)
0
-4
0
358
386
502
(200)
313
436
432
143
=;
(Millones de euros)
2006
2007
1T08
2T08
3T08
4T08
2008
1T09
2T09
3T09
4T09
2009
1T10
2T10
3T10
4T10
2010
CAGR
(20062 0 10 )
Pasivos financieros
154.914
180.155
182.755
193.057
192.465
190.087
190.087
182.453
189.219
187.059
180.685
180.685
176.553
177.120
173.830
181.062
181.062
Productos propios
118.789
137.192
139.691
148.124
149.609
147.602
147.602
142.045
147.128
145.934
139.560
139.560
138.590
136.765
133.634
136.420
136.420
3,5%
54.510
54.499
4.103
5.677
55.039
67.832
8.525
5.796
52.380
73.293
8.222
5.796
53.361
76.927
12.040
5.796
54.412
79.652
9.749
5.796
54.716
80.018
7.072
5.796
54.716
80.018
7.072
5.796
52.869
76.077
7.303
5.796
55.485
77.697
6.253
7.693
56.241
76.548
5.452
7.693
55.670
74.161
3.036
6.693
55.670
74.161
3.036
6.693
55.688
70.397
5.812
6.693
57.007
67.159
5.906
6.693
54.771
66.697
5.473
6.693
55.680
68.463
5.584
6.693
55.680
68.463
5.584
6.693
0,5%
5,9%
8,0%
4,2%
Depósitos a la vista
Depósitos a plazo
Emisiones retail
Pasivos subordinados
Otros pasivos
4,0%
4.573
4.820
5.116
5.095
4.666
4.354
4.354
4.295
5.458
3.836
4.121
4.121
3.281
5.028
4.136
4.925
4.925
1,9%
Emisiones institucionales
31.552
38.143
37.948
39.838
38.190
38.131
38.131
36.113
36.633
37.289
37.004
37.004
34.682
35.327
36.060
39.717
39.717
5,9%
Pasivos por contratos de seguros
18.255
17.492
18.278
17.323
17.578
18.256
18.256
17.950
18.554
18.422
18.941
18.941
19.513
20.189
20.456
20.974
20.974
3,5%
Fondos de clientes en el balance
173.169
197.647
201.033
210.380
210.043
208.343
208.343
200.403
207.773
205.481
199.626
199.626
196.066
197.309
194.286
202.036
202.036
3,9%
13.864
8.669
1.103
3.726
13.518
9.593
1.045
3.850
18.698
9.362
597
4.087
16.152
10.038
635
5.218
14.791
9.997
519
4.850
12.943
10.407
462
4.696
12.943
10.407
462
4.696
12.918
10.289
302
4.879
13.491
10.687
317
5.244
14.344
11.333
308
4.960
15.457
11.982
516
4.213
15.457
11.982
516
4.213
16.089
12.297
767
4.785
16.636
12.219
911
5.080
17.771
12.601
952
4.864
17.017
13.060
908
5.604
17.017
13.060
908
5.604
5,3%
10,8%
(4,7%)
10,7%
Fondos de inversión
Fondos de pensiones
Carteras de clientes
Otros
Fondos de clientes fuera de balance
Total fondos de clientes
27.362
28.006
32.744
32.043
30.157
28.508
28.508
28.388
29.739
30.945
32.168
32.168
33.938
34.846
36.188
36.589
36.589
7,5%
200.531
225.653
233.777
242.423
240.200
236.851
236.851
228.791
237.512
236.426
231.794
231.794
230.004
232.155
230.474
238.625
238.625
4,4%
=+
*
(millones de €)
2006
2007
Créditos al sector Público
Créditos al sector Privado
Secured
Unsecured
Créditos dudosos
2.353
135.890
99.137
36.753
463
2.516
158.205
113.771
44.434
893
2.989
161.531
115.810
45.721
1.165
3.392
165.200
117.647
47.553
2.224
3.605
167.194
118.568
48.626
3.058
4.616
167.314
117.924
49.390
4.493
4.918
164.569
116.674
47.895
6.255
6.949
167.055
116.444
50.611
6.267
6.417
165.405
115.553
49.852
6.481
6.273
164.527
115.493
49.034
6.226
7.041
163.471
115.054
48.417
6.333
8.941
166.340
114.893
51.447
6.391
8.976
165.485
114.835
50.650
6.534
9.243
172.177
118.509
53.668
7.126
Total de créditos a clientes, brutos
138.706
161.614
165.685
170.816
173.857
176.423
175.742
180.271
178.303
177.026
176.845
181.672
180.995
188.546
Provisión genérica y específica (I)
Total créditos a clientes, neto
(2.059)
136.647
(2.509)
159.105
1T08
(2.643)
163.042
2T08
(3.054)
167.762
3T08
(3.175)
170.682
2008
(2.925)
173.498
1T09
(3.141)
172.601
2T09
(3.689)
176.582
3T09
(3.813)
174.490
2009
(3.805)
173.221
1T10
(3.877)
172.968
2T10
(4.084)
177.588
3T10
(4.258)
176.737
2010
(4.913)
183.633
Pasivos contingentes dudosos
24
Pasivos contingentes
13.665
Provisiones genéricas y específicas de pasivos contingentes
(108)
(II)
107
10.033
(113)
31
9.377
(102)
48
9.426
(109)
37
9.110
(105)
97
9.270
(101)
90
11.227
(99)
100
9.103
(101)
96
9.054
(104)
95
9.207
(109)
94
9.273
(110)
138
9.148
(114)
102
9.119
(104)
102
9.164
(112)
Total provisiones (I + II)
(2.622)
(2.745)
(3.163)
(3.280)
(3.026)
(3.240)
(3.790)
(3.917)
(3.914)
(3.987)
(4.198)
(4.362)
(5.025)
(2.167)
Ratio de morosidad (1) / (2)
Ratio de cobertura (3) / (1)
Ratio de cobertura con garantía hipotecaria
0,32%
445%
488%
0,58%
262%
312%
0,68%
230%
290%
1,26%
139%
187%
1,69%
106%
163%
2,47%
66%
129%
3,39%
51%
117%
3,36%
60%
127%
3,51%
60%
127%
3,39%
62%
127%
3,45%
62%
127%
3,42%
64%
129%
3,49%
66%
132%
3,66%
70%
140%
Coste de riesgo
0,03%
0,18%
0,16%
0,50%
0,45%
0,62%
1,24%
1,10%
1,03%
1,14%
0,96%
0,96%
0,91%
1,00%
Entradas y recuperaciones de créditos dudosos
Saldo inicial
Entradas
Recuperaciones
Saldo final
1.000
552
(356)
1.196
1.196
1.437
(361)
2.272
2.272
1.067
(244)
3.095
3.095
2.057
(562)
4.590
4.590
2.626
(871)
6.345
6.345
1.428
(1.406)
6.367
6.367
1.073
(863)
6.577
6.577
1.048
(1.304)
6.321
6.321
933
(827)
6.427
6.427
1.127
(1.025)
6.529
6.529
1.002
(895)
6.636
TACC
(20062 0 10 )
40,8%
6,1%
4,6%
9,9%
98,1%
8,0%
24,3%
7,7%
6.636
1.925
(1.333)
7.228
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2,39
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2,43
2,31
2,19
2T09
2,90
2,85
2,94
1,78
1,61
1,45
1,49
1,29
1,40
1,45
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