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2010 ”La Caixa”

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2010 ”La Caixa” ”lA CAixA” GROUP HIGHLIGHTS Financial Information CHANGE Figures in millions of euros 2010 2009 AMOUNT % Balance Sheet Total assets 285,724 271,873 13,851 5.1 Total Banking Business volume 437,443 415,825 21,618 5.2 Loans and credits, gross 189,546 178,026 11,520 6.5 Total customer funds 247,897 237,799 10,098 4.2 2010 ”la Caixa” Annual Report Investee portfolio: Market value of listed companies 18,685 20,118 (1,433) (7.1) Unrealised gains on listed companies 2,709 3,945 (1,236) (31.3) Income Statement Net interest income 3,152 3,932 (780) (19.8) Recurring gross income 6,745 7,187 (442) (6.1) Recurring net operating income 3,323 3,622 (299) (8.3) Recurring profit before non-controlling interests 1,822 2,004 (182) (9.0) Recurring profit attributable to the ”la Caixa” Group 1,507 1,710 (203) (11.9) Net extraordinary profit (200) (200) 0 – Profit attributable to the ”la Caixa” Group 1,307 1,510 (203) (13.4) Efficiency and Profitability Recurring efficiency ratio (Administrative expenses / Gross income) 43.6% 42.9% 0.7 ROE (Recurring attributable profit / Average own funds) 9.3% 11.3% (2.0) ROA (Net recurring profit / Average total assets) 0.7% 0.8% (0.1) RORWA (Net recurring profit / Risk-weighted assets) 1.4% 1.6% (0.2) Risk Management NPL ratio 3.71% 3.42% 0.29 Provisions for credit losses 5,025 3,914 1,111 NPL coverage ratio 70% 62% 8 NPL coverage ratio including mortgage collateral 140% 127% 13 ”la Caixa” Liquidity 19,638 21,208 (1,570) Capital Adequacy - BIS II 2010 ”la Caixa” Annual Report Core capital 8.6% 8.7% (0.1) Leadership, trust and social commitment Tier 1 9.9% 10.4% (0.5) Capital ratio (BIS II ratio) 11.8% 11.0% 0.8 Own funds 17,421 16,696 725 4.3 Eligible capital 19,198 17,251 1,947 11.3 Surplus capital 6,130 4,667 1,463 31.3 Risk-weighted assets (RWA) 163,348 157,300 6,048 3.8 Commercial activity and resources (number) Employees – ”la Caixa” 25,288 24,944 344 1.4 – ”la Caixa” Group 28,651 27,505 1,146 4.2 Branches 5,409 5,326 83 1.6 Self-service terminals 8,181 7,951 230 2.9 Cards in circulation – ”la Caixa” 10,344,092 10,293,683 50,409 0.5 POS terminals 169,966 167,993 1,973 1.2 Línea Abierta – ”la Caixa” internet channel – Total customers 6,620,148 6,020,192 599,956 10.0 – Users 3,301,264 2,964,355 336,909 11.4 Corporate Responsibility Direct contribution of ”la Caixa” operations to Spain’s GDP 0.49% 0.49% Diversity: % men / women employed 52/48 53/47 Number of projects financed in line with the Equator Principles 55 65 Number of employees taking part in the Corporate Volunteer programme 3,286 3,061 225 7.4 Number of microloans granted 36,845 32,008 4,837 15.1 Welfare Projects Budget 2011 Millions of euros % Social programmes 335 67.0 Environmental and scientific programmes 68 13.6 Cultural programmes 64 12.8 Educational and research programmes 33 6.6 Total 500 100 ”lA CAixA” GROUP HIGHLIGHTS Financial Information CHANGE Figures in millions of euros 2010 2009 AMOUNT % Balance Sheet Total assets 285,724 271,873 13,851 5.1 Total Banking Business volume 437,443 415,825 21,618 5.2 Loans and credits, gross 189,546 178,026 11,520 6.5 Total customer funds 247,897 237,799 10,098 4.2 2010 ”la Caixa” Annual Report Investee portfolio: Market value of listed companies 18,685 20,118 (1,433) (7.1) Unrealised gains on listed companies 2,709 3,945 (1,236) (31.3) Income Statement Net interest income 3,152 3,932 (780) (19.8) Recurring gross income 6,745 7,187 (442) (6.1) Recurring net operating income 3,323 3,622 (299) (8.3) Recurring profit before non-controlling interests 1,822 2,004 (182) (9.0) Recurring profit attributable to the ”la Caixa” Group 1,507 1,710 (203) (11.9) Net extraordinary profit (200) (200) 0 – Profit attributable to the ”la Caixa” Group 1,307 1,510 (203) (13.4) Efficiency and Profitability Recurring efficiency ratio (Administrative expenses / Gross income) 43.6% 42.9% 0.7 ROE (Recurring attributable profit / Average own funds) 9.3% 11.3% (2.0) ROA (Net recurring profit / Average total assets) 0.7% 0.8% (0.1) RORWA (Net recurring profit / Risk-weighted assets) 1.4% 1.6% (0.2) Risk Management NPL ratio 3.71% 3.42% 0.29 Provisions for credit losses 5,025 3,914 1,111 NPL coverage ratio 70% 62% 8 NPL coverage ratio including mortgage collateral 140% 127% 13 ”la Caixa” Liquidity 19,638 21,208 (1,570) Capital Adequacy - BIS II 2010 ”la Caixa” Annual Report Core capital 8.6% 8.7% (0.1) Leadership, trust and social commitment Tier 1 9.9% 10.4% (0.5) Capital ratio (BIS II ratio) 11.8% 11.0% 0.8 Own funds 17,421 16,696 725 4.3 Eligible capital 19,198 17,251 1,947 11.3 Surplus capital 6,130 4,667 1,463 31.3 Risk-weighted assets (RWA) 163,348 157,300 6,048 3.8 Commercial activity and resources (number) Employees – ”la Caixa” 25,288 24,944 344 1.4 – ”la Caixa” Group 28,651 27,505 1,146 4.2 Branches 5,409 5,326 83 1.6 Self-service terminals 8,181 7,951 230 2.9 Cards in circulation – ”la Caixa” 10,344,092 10,293,683 50,409 0.5 POS terminals 169,966 167,993 1,973 1.2 Línea Abierta – ”la Caixa” internet channel – Total customers 6,620,148 6,020,192 599,956 10.0 – Users 3,301,264 2,964,355 336,909 11.4 Corporate Responsibility Direct contribution of ”la Caixa” operations to Spain’s GDP 0.49% 0.49% Diversity: % men / women employed 52/48 53/47 Number of projects financed in line with the Equator Principles 55 65 Number of employees taking part in the Corporate Volunteer programme 3,286 3,061 225 7.4 Number of microloans granted 36,845 32,008 4,837 15.1 Welfare Projects Budget 2011 Millions of euros % Social programmes 335 67.0 Environmental and scientific programmes 68 13.6 Cultural programmes 64 12.8 Educational and research programmes 33 6.6 Total 500 100 2010 ”la Caixa” Annual Report Leadership, trust and social commitment IDENTIFICATION PARTICULARS CAJA DE AHORROS Y PENSIONES DE BARCELONA, ”LA CAIXA”, was established on 27 July 1990 by the merger of Caja de Ahorros y Monte de Piedad de Barcelona, founded in 1844, and Caja de Pensiones para la Vejez y de Ahorros de Cataluña y Baleares, founded in 1904. It is registered under number 1 in the Register of Catalan Savings Banks of the Directorate-General of Financial Policy of the Department of Economy and Finance of the Catalonia Autonomous Community Government. On 16 November 1990, it was entered under number 3003 in the Barcelona Mercantile Register, in volume 20,397, page 1, sheet B-5614, first entry. It is registered with code number 2100 in the Bank of Spain’s Special Registerof General Popular Savings Banks. The Bylaws of ”la Caixa” were approved by the Department of Economy and Finance of the Catalonia Autonomous Community Government and may be examined by that Department, at the Bank of Spain or at the Mercantile Registry. The Board of Directors calls the Annual General Assembly to be held during the first half of the calendar year. The notice of the Assembly is published in the «Boletín Oficial del Estado» (Official State Gazette), in the «Diario Oficial de la Generalitat de Cataluña» (Official Journal of the Catalonia Autonomous Community Government) andinat least one newspaper with a wide circulation in the area of operations of the Institution, in the period and under the terms established in the Bylaws of ”la Caixa”. In addition, an Extraordinary General Assembly may be called whenever deemed fit, as provided in the Bylaws, in the same terms and conditions as those set forth for theAnnual General Assembly. ”la Caixa” is a member of the Savings Banks Deposit Guarantee Fund. CAJA DE AHORROS Y PENSIONES DE BARCELONA - ”LA CAIxA” Avenida Diagonal, 621-629. 08028 Barcelona, Spain Telephone: (34) 93 404 60 00 Fax: (34) 93 339 57 03 Telex: 52623-CAVEA E and 50321-CAIX E Website www.laCaixa.es CONTENTS The ”la Caixa” Group in 2010 5 ”la Caixa” Annual Report 15 Corporate Governance of ”la Caixa” 17 The ”la Caixa” Group 33 Strategic Keys 34 The ”la Caixa” Group’s New Structure 37 2010 Financial Report of the ”la Caixa” Group 39 1. High-quality profits in 2010 42 1.1. Business growth coupled with good profits and conservative write-downs 42 1.2. Active management of margins, efficiency and high returns 44 1.3. Welfare Projects 50 1.4. Business segment reporting 51 2. Great commercial capacity: the strength of the banking business 53 2.1. Sustained and balanced growth in banking activity 53 2.2. Customer base: the core of the business 56 2.3. Commercial network and human resources: cornerstones 64 2.4. Multi-channel management: permanent relationship with customers 66 2.5. Payment systems: a distinctive offering 70 2.6. Innovation in customer services 71 2.7.
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