{"id":38616,"date":"2017-12-18T00:00:00","date_gmt":"2017-12-17T23:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/notas-de-prensa\/spanish-banks-achieve-an-attributed-profit-of-10168-million-through-september-up-12\/"},"modified":"2026-04-09T09:39:51","modified_gmt":"2026-04-09T07:39:51","slug":"spanish-banks-achieve-an-attributed-profit-of-10168-million-through-september-up-12","status":"publish","type":"notas-de-prensa","link":"https:\/\/aebanca.es\/en\/actualidad\/notas-de-prensa\/spanish-banks-achieve-an-attributed-profit-of-10168-million-through-september-up-12\/","title":{"rendered":"Spanish banks achieve an attributed profit of 10,168 million through September, up 12%"},"content":{"rendered":"

CONSOLIDATED RESULTS<\/strong>: The attributed profit of Spanish banking groups during the first nine months of 2017 amounted to 10,168 million euros, an increase of 12.4% compared to the same period of the previous year.<\/p>\n

INCOME AND MARGINS<\/strong>: The net interest income increased by 5.1% annually and exceeded 44,000 million euros, driven by the significant reduction in financial costs of more than 6.5%. With an average balance 1.8% lower year-on-year, the return on average total assets (ATA) of the net interest income stands at 2.29%, 15 basis points above that achieved in September 2016. <\/p>\n

The lower results obtained from financial operations, down by 2,200 million euros, are partially offset by higher income from exchange differences of nearly 1,000 million euros and better results, 300 million, from other operating items.<\/p>\n

Overall, the gross margin, which reflects the most recurring part of the income statement, is growing at an annual rate of 4%, standing close to 64,000 million euros and providing a return of 3.31% on ATA, 18 basis points more than the previous year.<\/p>\n

EXPENSES:<\/strong> Containment in operating expenses continues with an annual increase of less than 1%, which allows for an improvement in the efficiency ratio to 48.3%, one and a half percentage points less than in September 2016.<\/p>\n

PROVISIONS<\/strong>: The lower impairment losses of 5% year-on-year, in line with the trend of recent years, have been neutralized by higher allocations to provisions, which are of a singular nature in this case.<\/p>\n

In this way, the result from operating activities stands, after allocations and provisions, at 18,265 million euros, up 12%, and at 0.95% of ATA, 12 basis points above the previous year.<\/p>\n

The increase in corporate income tax expenses and the higher results attributed to minority interests leave the attributed profit at 0.53% of ATA, compared to 0.46% a year earlier, representing a ROE of 6.97%, 75 basis points higher than that obtained during the first nine months of 2016.<\/p>\n

BALANCE SHEET:<\/strong> The aggregate consolidated balance sheets of the AEB member banking groups amounted to 2.5 trillion euros as of September 30, 2017, which is 2% lower than on the same date of the previous year. The year-on-year decrease of just over 50,000 million euros is mostly due to the reduction in trading activity and the decline in balances, in both assets and liabilities, of the tradable securities portfolios. <\/p>\n

The net position against the credit system, including central banks, has been reduced by practically half during the last year, and the net balance taken stands at 45,000 million euros at the end of the quarter, a figure that does not even represent 2% of the total consolidated balance sheet.<\/p>\n

Customer deposits stand at 1.4 trillion euros, showing an annual growth of 2.7%, and their increase of 37,000 million euros in the preceding twelve months mostly offsets the decrease of 41,000 million euros in financing obtained through the issuance of tradable securities.<\/p>\n

CREDIT<\/strong>: Loans to customers, at 1.5 trillion euros through September, decreased by about 20,000 million euros, barely 1% annually, meaning the loan-to-deposit ratio continues the downward trend of recent years and stands at 108%, 4 percentage points less than a year ago. Meanwhile, the commercial gap, which measures the difference between the amounts of loans and customer deposits, is now less than 110,000 million euros, an amount equivalent to only 7% of credit, compared to 11% in September 2016. <\/p>\n

NON-PERFORMING LOANS<\/strong>: The non-performing loan (NPL) ratio stands at 4.7%, compared to 5.8% a year earlier, although this latter ratio was calculated with a different perimeter (which included Popular as an independent group). The coverage ratio represents 65% of doubtful loans, 2 percentage points more than in September of the previous year. <\/p>\n

EQUITY<\/strong>: Following the corporate operations of the third quarter of the year, which offset the aforementioned perimeter effect, equity equals the maximum balance achieved in September 2016 of 198,000 million euros and represents 7.8% of the total consolidated balance sheet, a figure never before reached and among the highest in the Banking Union.<\/p>\n

SOLVENCY<\/strong>: The solvency ratio, measured in terms of Basel requirements, stands at 12.2% according to the planned schedule for progressive implementation, and at 11%, 30 basis points more than a year ago, under the assumption of full entry into force, the so-called CET 1 fully loaded.<\/em><\/p>\n

Download press release and results table<\/a><\/h6>\n","protected":false},"excerpt":{"rendered":"

The attributed profit of Spanish banking groups during the first nine months of 2017 amounted to 10,168 million euros, an increase of 12.4% compared to the same period of the previous year.<\/p>\n","protected":false},"featured_media":38617,"parent":0,"template":"","etiquetas-prensa":[919],"class_list":["post-38616","notas-de-prensa","type-notas-de-prensa","status-publish","has-post-thumbnail","hentry","etiquetas-prensa-balance-sheet"],"yoast_head":"\nSpanish banks achieve an attributed profit of 10,168 million through September, up 12% - Asociaci\u00f3n Espa\u00f1ola de Banca<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aebanca.es\/en\/actualidad\/notas-de-prensa\/spanish-banks-achieve-an-attributed-profit-of-10168-million-through-september-up-12\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Spanish banks achieve an attributed profit of 10,168 million through September, up 12% - 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