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.

利润瀑布图分析

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盈利能力指标 Profitability Margins

营业利润率 Operating Income Margini

37.31%

营业利润 Operating Income = $2.17B

营业收入 Revenue = $5.54B

税前利润率 Pre-tax Profit Margini

36.92%

税前利润 Income Before Tax = $2.15B

营业收入 Revenue = $5.54B

净利润率 Net Profit Margini

25.42%

净利润 Net Income = $1.48B

营业收入 Revenue = $5.54B

税务指标 Tax Metrics

应计税率 Effective Tax Ratei

32.07%

所得税费用 Income Tax Expense = $0.69B

税前利润 Income Before Tax = $2.15B

现金税率 TTM Cash Tax Rate (TTM)i

0.00%

实际缴纳所得税 Income Taxes Paid (TTM) = $0.00B

税前利润 Income Before Tax (TTM) = $4.27B

银行核心盈利指标 Financial Sector PPNR Metrics

拨备前净收入（监管口径） 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利润率 PPNR Margini

65.79%

拨备前净收入 PPNR = $3.83B

营业收入 Revenue = $5.54B

PPNR资产回报率 PPNR / Avg Assetsi

0.58%

PPNR ROA = PPNR / Avg Total Assets

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

成本效率指标 Cost Efficiency Metrics

效率比率（银行口径） Efficiency Ratioi

35.95%

非利息费用 Non-Interest Expense = $1.99B

营业收入 Revenue = $5.54B

成本收入比（非银） Cost-to-Incomei

35.95%

运营费用 Operating Expenses = $1.99B

营业收入 Revenue = $5.54B

成本资产比（UBPR思想） Cost-to-Assetsi

0.30%

运营费用 Operating Expenses = $1.99B

平均总资产 Avg Total Assets = $664.04B

运营杠杆指标 Operating Leverage Metrics

运营杠杆 (YoY) Operating JAWSi

N/A

收入增长率 Revenue Growth (YoY) = N/A

费用增长率 Expense Growth (YoY) = N/A

营业利润率扩张 (YoY) Operating Margin Expansioni

N/A

当前营业利润率 Current Operating Margin = N/A

去年同期营业利润率 Prior Operating Margin = N/A

盈利质量指标 Earnings Quality Metrics

盈利质量 (OCF/NI) Earnings Qualityi

N/A

经营现金流 Operating Cash Flow = N/A

净利润 Net Income = $1.48B

应计项/平均资产 (Sloan) 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

波动性指标 Volatility Metrics

PPNR波动率 (8Q) PPNR Volatilityi

N/A

核心收入波动率 (8Q) Core Revenue Volatilityi

N/A

员工生产力指标 Employee Productivity Metrics

人均收入 TTM Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

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

人均运营费用 TTM 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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资本充足性 Capital Adequacy

有形普通股权 Tangible Common Equity (TCE)i

EUR33.24B

有形资产 Tangible Assets (TA)i

EUR658.77B

TCE/TA比率 TCE / TA Ratioi

5.05%

⚠️ 警告 Warning

有形普通股权 TCE = EUR33.24B

有形资产 TA = EUR658.77B

杠杆指标 Leverage

股权资产比 Equity / Assets (E/A)i

5.80%

股东权益 Total Equity = EUR38.51B

总资产 Total Assets = EUR664.04B

资产股权倍数 Assets / Equity (A/E)i

17.24x

总资产 Total Assets = EUR664.04B

股东权益 Total Equity = EUR38.51B

资本质量 Capital Quality

AOCI侵蚀度 AOCI / TCEi

0.00%

✅ 健康 Healthy

AOCI = EUR0.00B

有形普通股权 TCE = EUR33.24B

商誉无形占比 (Goodwill + Intangibles) / Equityi

13.68%

✅ 健康 Healthy

商誉+无形资产 GW+Intangibles = EUR5.27B

股东权益 Total Equity = EUR38.51B

流动性 Liquidity

高流动性缓冲 Liquidity Buffer (HQLA proxy)i

6.90%

🔴 风险 Risk

现金+短投 Cash+ST Inv = EUR45.83B

总资产 Total Assets = EUR664.04B

资金结构 Funding Structure

批发资金依赖度 Wholesale Funding Ratio (Core)i

8.35%

✅ 健康 Healthy

短期+长期债务 ST+LT Debt = EUR52.21B

总负债 Total Liabilities = EUR625.51B

证券类资产占比 Securities / Assetsi

58.62%

🔴 风险 Risk

短投+长投 ST+LT Inv = EUR389.28B

总资产 Total Assets = EUR664.04B

风险调整 Risk-Adjusted

风险调整后TCE Risk-Adjusted TCE (ATCE)i

EUR33.24B

ATCE/TA比率 ATCE / TAi

5.05%

风险调整TCE ATCE = EUR33.24B

有形资产 TA = EUR658.77B

ATCE剪刀差 ATCE Scissor Spreadi

0 bps

✅ 健康 Healthy

TCE/TA = 505.00%

ATCE/TA = 505.00%

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现金流瀑布图

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流入

流出

小计

起止点

现金流生成能力 Cash Generation Capability

盈利现金含量 Earnings Cash Contenti

N/A

经营现金流 TTM Operating Cash Flow (TTM) = $0.00B

净利润 TTM Net Income (TTM) = $0.00B

现金流资产收益率 Cash Flow ROA (CFROA)i

N/A

经营现金流 TTM Operating Cash Flow (TTM) = N/A

平均总资产 Average Total Assets = N/A

流动性／偿债能力 Liquidity / Solvency

现金流充足率 Cash Flow Adequacyi

N/A

经营现金流 TTM Operating Cash Flow (TTM) = N/A

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

经营现金流覆盖短期债务比 OCF / Short-Term Debti

N/A

经营现金流 TTM Operating Cash Flow (TTM) = N/A

短期债务 Short-Term Debt = N/A

持续性／稳定性 Sustainability / Stability

经营现金流增长率 OCF Growth Rate (YoY)i

N/A

当期季度 Current Quarter OCF = N/A

去年同期 Same Quarter Last Year OCF = N/A

经营现金流波动性 OCF Volatility (CV)i

N/A

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盈利能力指标 Profitability Margins

营业利润率 Operating Income Margini

37.31%

营业利润 Operating Income = $2.17B

营业收入 Revenue = $5.54B

税前利润率 Pre-tax Profit Margini

36.92%

税前利润 Income Before Tax = $2.15B

营业收入 Revenue = $5.54B

净利润率 Net Profit Margini

25.42%

净利润 Net Income = $1.48B

营业收入 Revenue = $5.54B

税务指标 Tax Metrics

应计税率 Effective Tax Ratei

32.07%

所得税费用 Income Tax Expense = $0.69B

税前利润 Income Before Tax = $2.15B

现金税率 TTM Cash Tax Rate (TTM)i

0.00%

实际缴纳所得税 Income Taxes Paid (TTM) = $0.00B

税前利润 Income Before Tax (TTM) = $4.27B

银行核心盈利指标 Financial Sector PPNR Metrics

拨备前净收入（监管口径） 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利润率 PPNR Margini

65.79%

拨备前净收入 PPNR = $3.83B

营业收入 Revenue = $5.54B

PPNR资产回报率 PPNR / Avg Assetsi

0.58%

PPNR ROA = PPNR / Avg Total Assets

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

成本效率指标 Cost Efficiency Metrics

效率比率（银行口径） Efficiency Ratioi

35.95%

非利息费用 Non-Interest Expense = $1.99B

营业收入 Revenue = $5.54B

成本收入比（非银） Cost-to-Incomei

35.95%

运营费用 Operating Expenses = $1.99B

营业收入 Revenue = $5.54B

成本资产比（UBPR思想） Cost-to-Assetsi

0.30%

运营费用 Operating Expenses = $1.99B

平均总资产 Avg Total Assets = $664.04B

运营杠杆指标 Operating Leverage Metrics

运营杠杆 (YoY) Operating JAWSi

N/A

收入增长率 Revenue Growth (YoY) = N/A

费用增长率 Expense Growth (YoY) = N/A

营业利润率扩张 (YoY) Operating Margin Expansioni

N/A

当前营业利润率 Current Operating Margin = N/A

去年同期营业利润率 Prior Operating Margin = N/A

盈利质量指标 Earnings Quality Metrics

盈利质量 (OCF/NI) Earnings Qualityi

N/A

经营现金流 Operating Cash Flow = N/A

净利润 Net Income = $1.48B

应计项/平均资产 (Sloan) 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

波动性指标 Volatility Metrics

PPNR波动率 (8Q) PPNR Volatilityi

N/A

核心收入波动率 (8Q) Core Revenue Volatilityi

N/A

员工生产力指标 Employee Productivity Metrics

人均收入 TTM Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

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

人均运营费用 TTM OpEx per Employeei

N/A

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

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

资本充足性 Capital Adequacy

有形普通股权 Tangible Common Equity (TCE)i

EUR33.24B

有形资产 Tangible Assets (TA)i

EUR658.77B

TCE/TA比率 TCE / TA Ratioi

5.05%

⚠️ 警告 Warning

有形普通股权 TCE = EUR33.24B

有形资产 TA = EUR658.77B

杠杆指标 Leverage

股权资产比 Equity / Assets (E/A)i

5.80%

股东权益 Total Equity = EUR38.51B

总资产 Total Assets = EUR664.04B

资产股权倍数 Assets / Equity (A/E)i

17.24x

总资产 Total Assets = EUR664.04B

股东权益 Total Equity = EUR38.51B

资本质量 Capital Quality

AOCI侵蚀度 AOCI / TCEi

0.00%

✅ 健康 Healthy

AOCI = EUR0.00B

有形普通股权 TCE = EUR33.24B

商誉无形占比 (Goodwill + Intangibles) / Equityi

13.68%

✅ 健康 Healthy

商誉+无形资产 GW+Intangibles = EUR5.27B

股东权益 Total Equity = EUR38.51B

流动性 Liquidity

高流动性缓冲 Liquidity Buffer (HQLA proxy)i

6.90%

🔴 风险 Risk

现金+短投 Cash+ST Inv = EUR45.83B

总资产 Total Assets = EUR664.04B

资金结构 Funding Structure

批发资金依赖度 Wholesale Funding Ratio (Core)i

8.35%

✅ 健康 Healthy

短期+长期债务 ST+LT Debt = EUR52.21B

总负债 Total Liabilities = EUR625.51B

证券类资产占比 Securities / Assetsi

58.62%

🔴 风险 Risk

短投+长投 ST+LT Inv = EUR389.28B

总资产 Total Assets = EUR664.04B

风险调整 Risk-Adjusted

风险调整后TCE Risk-Adjusted TCE (ATCE)i

EUR33.24B

ATCE/TA比率 ATCE / TAi

5.05%

风险调整TCE ATCE = EUR33.24B

有形资产 TA = EUR658.77B

ATCE剪刀差 ATCE Scissor Spreadi

0 bps

✅ 健康 Healthy

TCE/TA = 505.00%

ATCE/TA = 505.00%

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CaixaBank, S.A.

利润表分析

利润瀑布图分析

资产负债表分析

现金流量表分析