Investor Presentaiton
CAJA RURAL
DE NAVARRA
CAJA RURAL DE NAVARRA - FINANCIAL HIGHLIGHTS'
FINANCIAL RATIOS²
CORE TIER 1 REGULATORY CAPITAL RATIO (PHASED IN)³
DEC 19
DEC 18
DEC 17
19%
Capitalization
17%
Core tier 1 regulatory capital ratio (phased in)³
16.79%
16.40%
15.90%
15%
Core tier 1 regulatory capital ratio (fully loaded)³
16.58%
16.12%
15.84%
13%
Equity/total assets
9.37%
9.13%
9.15%
11%
Asset quality indicators
9%
Growth of gross loans
3.99%
6.68%
6.48%
NPL
2.09%
1.77%
2.02%
Profitability ratios
Net interest income/total assets
1.26%
1.25%
1.34%
Pre-tax profit/ average total assets
0.75%
0.88%
0.76%
RoE
7.85%
9.18%
9.35%
5%
Funding
4%
Gross loans/customer deposits (LtD)
94.52%
99.04%
98.85%
Liquidity
2%
LCR
of de de de de of
6%
3%
NSFR4
1 Individual basis.
2 Provisional non-consolidated data (non-audited and pending approval by the General Assembly). Based on end-2019 financial data.
3 Calculated with the standard method.
4 Provisional data: NSFR final requirement and calculation method are not definitely approved. Ratio calculation based on current available information.
2020 Credit and Sustainability Framework CRN
2000
2001
2002
2003
2004
2009
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as defined in Regulation S of the U.S. Securities Act of 1933, as amended
2010
2011
2012
2013
2014
2015
2016
IMPAIRED LOANS
370%
510%
605%
1%
0%
153%
153%
147%
2009 2010 2011 2012 2013 2014 2015
-Impaired Loans (IL)/Gross Loans (LHS)
2016 2017 2018 2019
7
2017
2018
2019View entire presentation