CaixaBank, S.A. (CAIXY)

CaixaBank Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	17,060	14,641	7,473	5,500	4,700	4,972
Interest Income on Investments	4,096	3,745	1,887	2,584	2,211	2,246
Total Interest Income	21,156	18,386	9,360	8,084	6,911	7,218
Interest Paid on Deposits	9,572	8,110	2,645	1,917	1,864	2,104
Interest Paid on Borrowings	361	10	-	-	-	-
Total Interest Expense	9,933	8,120	2,645	1,917	1,864	2,104
Net Interest Income	11,223	10,266	6,715	6,167	5,047	5,114
Net Interest Income Growth (YoY)	18.01%	52.88%	8.89%	22.19%	-1.31%	1.21%
Income From Trading Activities	-78	-42	470	97	127	139
Gain (Loss) on Sale of Assets	-20	-28	-10	-13	334	-116
Gain (Loss) on Sale of Investments	68	68	12	15	-153	166
Gain (Loss) on Sale of Equity Investments	259	281	222	425	307	425
Other Non-Interest Income	3,801	3,598	3,656	3,551	2,766	2,777
Total Non-Interest Income	4,030	3,877	4,350	4,075	3,381	3,391
Non-Interest Income Growth (YoY)	2.75%	-10.87%	6.75%	20.53%	-0.29%	19.91%
Revenues Before Loan Losses	15,253	14,143	11,065	10,242	8,428	8,505
Provision for Loan Losses	1,211	1,224	883	897	690	425
Revenue	14,042	12,919	10,182	9,345	7,738	8,080
Revenue Growth (YoY)	13.62%	26.88%	8.96%	20.77%	-4.23%	4.16%
Salaries and Employee Benefits	2,564	2,564	2,420	5,588	2,841	2,978
Occupancy Expenses	-	-	-	-	540	-
Amortization of Goodwill & Intangibles	774	774	730	695	-	546
Selling, General & Administrative	2,620	2,422	2,356	1,706	1,160	1,210
Other Non-Interest Expense	80	6	200	291	186	106
Total Non-Interest Expense	6,038	5,766	5,706	8,280	4,727	4,840
EBT Excluding Unusual Items	8,004	7,153	4,476	1,065	3,011	3,240
Asset Writedown	-60	-60	-59	175	-97	-50
Legal Settlements	-169	-169	-97	-225	-62	-135
Other Unusual Items	9	-	-	4,300	-1,252	-
Pretax Income	7,784	6,924	4,320	5,315	1,600	2,077
Income Tax Expense	2,374	2,108	1,189	88	219	369
Earnings From Continuing Operations	5,410	4,816	3,131	5,227	1,381	1,708
Earnings From Discontinued Operations	2	2	2	2	-	-
Minority Interest in Earnings	-7	-2	-4	-3	-	-3
Net Income	5,405	4,816	3,129	5,226	1,381	1,705
Preferred Dividends & Other Adjustments	277	277	261	244	143	133
Net Income to Common	5,128	4,539	2,868	4,982	1,238	1,572
Net Income Growth	25.14%	53.91%	-40.13%	278.42%	-19.00%	-14.11%
Basic Shares Outstanding	7,223	7,470	7,819	7,575	5,978	5,978
Diluted Shares Outstanding	7,223	7,470	7,819	7,575	5,978	5,978
Shares Change (YoY)	-3.41%	-4.46%	3.22%	26.71%	-	-0.02%
EPS (Basic)	0.71	0.61	0.37	0.66	0.21	0.26
EPS (Diluted)	0.71	0.61	0.37	0.66	0.21	0.26
EPS Growth	30.82%	65.66%	-44.23%	217.58%	-20.35%	-18.27%
Dividend Per Share	0.541	0.392	0.231	0.146	0.027	0.070
Dividend Growth	134.48%	69.95%	57.62%	445.90%	-61.71%	-58.82%
Effective Tax Rate	30.50%	30.44%	27.52%	1.66%	13.69%	17.77%

Source: S&P Capital IQ. Banks template. Financial Sources.