CaixaBank, S.A.

CAIXY

CaixaBank, S.A., together with its subsidiaries, provides various banking products and financial services in Spain and internationally. The company operates through Banking and Insurance, Equity Investments, and BPI segments. It also provides solutions related to security, protection, internationalization, and financing; traditional financial advice, independent advice, and broker services; asset management; liquidity management; capital markets, cash management, project finance, asset finance, and M&A services; and various financial services and solutions to public and private sector institutions, as well as distributes non-life and life risk insurance policies; and private banking services. In addition, the company is involved in the real estate business. As of September 30, 2021, it had 5,415 branches and 13,678 ATMs in Spain; and 316 branches and 1,440 ATMs in Portugal. CaixaBank, S.A. was founded in 1904 and is based in Valencia, Spain.

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

37.31%

Operating Income = $2.17B

Revenue = $5.54B

Pre-tax Profit Margini

36.92%

Income Before Tax = $2.15B

Revenue = $5.54B

Net Profit Margini

25.42%

Net Income = $1.48B

Revenue = $5.54B

Tax Metrics

Effective Tax Ratei

32.07%

Income Tax Expense = $0.69B

Income Before Tax = $2.15B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $4.27B

Financial Sector PPNR Metrics

PPNRi

$3.83B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $2.71B | non interest income: $3.11B | non interest expense: $1.99B

PPNR Margini

65.79%

PPNR = $3.83B

Revenue = $5.54B

PPNR / Avg Assetsi

0.58%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $3.83B | avg total assets: $664.04B

Cost Efficiency Metrics

Efficiency Ratioi

35.95%

Non-Interest Expense = $1.99B

Revenue = $5.54B

Cost-to-Incomei

35.95%

Operating Expenses = $1.99B

Revenue = $5.54B

Cost-to-Assetsi

0.30%

Operating Expenses = $1.99B

Avg Total Assets = $664.04B

Operating Leverage Metrics

Operating JAWSi

N/A

Revenue Growth = N/A

Expense Growth = N/A

Operating Margin Expansioni

N/A

Current Operating Margin = N/A

Prior Operating Margin = N/A

Earnings Quality Metrics

Earnings Qualityi

N/A

Operating Cash Flow = N/A

Net Income = $1.48B

Accruals / Avg Assetsi

N/A

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $1.48B | operating cash flow: N/A | avg total assets: $664.04B

Volatility Metrics

PPNR Volatilityi

N/A

Core Revenue Volatilityi

N/A

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $11.57B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $1.99B | employee count: N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

EUR33.24B

Tangible Assets (TA)i

EUR658.77B

TCE / TA Ratioi

5.05%

⚠️ Warning

TCE = EUR33.24B

TA = EUR658.77B

Leverage

Equity / Assets (E/A)i

5.80%

Total Equity = EUR38.51B

Total Assets = EUR664.04B

Assets / Equity (A/E)i

17.24x

Total Assets = EUR664.04B

Total Equity = EUR38.51B

Capital Quality

AOCI / TCEi

0.00%

✅ Healthy

AOCI = EUR0.00B

TCE = EUR33.24B

(Goodwill + Intangibles) / Equityi

13.68%

✅ Healthy

GW+Intangibles = EUR5.27B

Total Equity = EUR38.51B

Liquidity

Liquidity Buffer (HQLA proxy)i

6.90%

🔴 Risk

Cash+ST Inv = EUR45.83B

Total Assets = EUR664.04B

Funding Structure

Wholesale Funding Ratio (Core)i

8.35%

✅ Healthy

ST+LT Debt = EUR52.21B

Total Liabilities = EUR625.51B

Securities / Assetsi

58.62%

🔴 Risk

ST+LT Inv = EUR389.28B

Total Assets = EUR664.04B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

EUR33.24B

ATCE / TAi

5.05%

TCE ATCE = EUR33.24B

TA = EUR658.77B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 505.00%

ATCE/TA = 505.00%

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Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

N/A

TTM Operating Cash Flow = $0.00B

TTM Net Income = $0.00B

Cash Flow ROA (CFROA)i

N/A

TTM Operating Cash Flow = N/A

Average Total Assets = N/A

Liquidity / Solvency

Cash Flow Adequacyi

N/A

TTM Operating Cash Flow = N/A

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = N/A

OCF / Short-Term Debti

N/A

TTM Operating Cash Flow = N/A

Short-Term Debt = N/A

Sustainability / Stability

OCF Growth Rate (YoY)i

N/A

Current Quarter OCF = N/A

Same Quarter Last Year OCF = N/A

OCF Volatility (CV)i

N/A

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Profitability Margins

Operating Income Margini

37.31%

Operating Income = $2.17B

Revenue = $5.54B

Pre-tax Profit Margini

36.92%

Income Before Tax = $2.15B

Revenue = $5.54B

Net Profit Margini

25.42%

Net Income = $1.48B

Revenue = $5.54B

Tax Metrics

Effective Tax Ratei

32.07%

Income Tax Expense = $0.69B

Income Before Tax = $2.15B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $4.27B

Financial Sector PPNR Metrics

PPNRi

$3.83B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $2.71B | non interest income: $3.11B | non interest expense: $1.99B

PPNR Margini

65.79%

PPNR = $3.83B

Revenue = $5.54B

PPNR / Avg Assetsi

0.58%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $3.83B | avg total assets: $664.04B

Cost Efficiency Metrics

Efficiency Ratioi

35.95%

Non-Interest Expense = $1.99B

Revenue = $5.54B

Cost-to-Incomei

35.95%

Operating Expenses = $1.99B

Revenue = $5.54B

Cost-to-Assetsi

0.30%

Operating Expenses = $1.99B

Avg Total Assets = $664.04B

Operating Leverage Metrics

Operating JAWSi

N/A

Revenue Growth = N/A

Expense Growth = N/A

Operating Margin Expansioni

N/A

Current Operating Margin = N/A

Prior Operating Margin = N/A

Earnings Quality Metrics

Earnings Qualityi

N/A

Operating Cash Flow = N/A

Net Income = $1.48B

Accruals / Avg Assetsi

N/A

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $1.48B | operating cash flow: N/A | avg total assets: $664.04B

Volatility Metrics

PPNR Volatilityi

N/A

Core Revenue Volatilityi

N/A

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $11.57B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $1.99B | employee count: N/A

Capital Adequacy

Tangible Common Equity (TCE)i

EUR33.24B

Tangible Assets (TA)i

EUR658.77B

TCE / TA Ratioi

5.05%

⚠️ Warning

TCE = EUR33.24B

TA = EUR658.77B

Leverage

Equity / Assets (E/A)i

5.80%

Total Equity = EUR38.51B

Total Assets = EUR664.04B

Assets / Equity (A/E)i

17.24x

Total Assets = EUR664.04B

Total Equity = EUR38.51B

Capital Quality

AOCI / TCEi

0.00%

✅ Healthy

AOCI = EUR0.00B

TCE = EUR33.24B

(Goodwill + Intangibles) / Equityi

13.68%

✅ Healthy

GW+Intangibles = EUR5.27B

Total Equity = EUR38.51B

Liquidity

Liquidity Buffer (HQLA proxy)i

6.90%

🔴 Risk

Cash+ST Inv = EUR45.83B

Total Assets = EUR664.04B

Funding Structure

Wholesale Funding Ratio (Core)i

8.35%

✅ Healthy

ST+LT Debt = EUR52.21B

Total Liabilities = EUR625.51B

Securities / Assetsi

58.62%

🔴 Risk

ST+LT Inv = EUR389.28B

Total Assets = EUR664.04B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

EUR33.24B

ATCE / TAi

5.05%

TCE ATCE = EUR33.24B

TA = EUR658.77B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 505.00%

ATCE/TA = 505.00%

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CaixaBank, S.A.

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis