| Balance sheet (in thousands of €) | Result (in thousands of €) | Profitability and efficiency (%) | Ratios (%) |
|---|---|---|---|
|
Assets
6,709,861 |
Total net operating income
221,267 |
Efficiency ratio
62.81% |
Solvency ratio
18.32% |
|
Net equity
654,335 |
Income before taxes
75,631 |
ROE
12.32% |
Liquidity ratio
168.49% |
|
Business volume
30,682,238 |
Net attributable profit
70,901 |
ROA
1.14% |
NPL ratio
2.62% |
|
Customer assets under management
22,956,984 |
ROTE 1
15.05% |
NPL coverage ratio
42.71% |
|
|
Customer deposits
4,943,122 |
|||
|
Loans to customers
2,782,132 |
Creand
in figures
Solidity in management
Committed banking
We highlight our raison d’être as a committed bank and have implemented it with a series of measures in response to the health and economic crisis caused by COVID-19.
| Committed to our customers | Committed to the team | Committed to society | Committed to the environment |
|---|---|---|---|
54,374Retail banking customers
|
508Staff in Andorra
|
€ 3.67 MGlobal investment in society
|
|
720Business banking customers
|
823International staff
|
76.97%Economic stimulation initiatives and sports sponsorships
|
5.29%Initiatives to combat climate change
|
9,886Private banking customers
|
99.64%Permanent contracts
|
17.74%Community support initiatives
|
|
35,069Online banking customers
|
48%Women on the workforce
|
||
* Data from the 2024 financial statements
