Investor Presentaiton
CAJA RURAL
DE NAVARRA
CAJA RURAL DE NAVARRA
Capitalization
FINANCIAL RATIOS²
DEC 19
DEC 18
DEC 17
This document should not be distributed in the United States or to U.S. persons
as defined in Regulation S of the U.S. Securities Act of 1933, as amended
– FINANCIAL HIGHLIGHTS
-
CORE TIER 1 REGULATORY CAPITAL RATIO (PHASED IN)³
19%
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%
6%
RoE
7.85%
9.18%
9.35%
5%
Funding
4%
Gross loans/customer deposits (LtD)
94.52%
99.04%
98.85%
3%
Liquidity
2%
LCR
370%
510%
605%
1%
0%
NSFR4
153%
153%
147%
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
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
IMPAIRED LOANS
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
-Impaired Loans (IL)/Gross Loans (LHS)
2017
7
2018
2019View entire presentation