| Balance sheet (in thousands of €) | Result (in thousands of €) | Profitability and efficiency (%) | Key ratios (%) |
|---|---|---|---|
|
Assets
6.601.220 |
Total net operating income
185.469 |
Efficiency ratio
71,49% |
Solvency ratio
17,09% |
|
Net equity
559.408 |
Income before taxes
46.526 |
ROE
8,09% |
Liquidity ratio
157,71% |
|
Business volume
25.001.555 |
Net attributable profit
43.036 |
ROA
0,65% |
NPL ratio
5,46% |
|
Customer assets under management
22.240.462 |
ROTE 1
10,26% |
NPL coverage ratio
44,63% |
|
|
Customer deposits
5.219.871 |
|||
|
Loans to customers
2.761.093 |
Creand
in figures
Sound 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 |
|---|---|---|---|
79,11%Retail banking customers
|
491Staff in Andorra
|
2,86 M€Global investment in CSR
|
|
1,25%Business banking customers
|
291International staff
|
71,49%Economic stimulation initiatives and sports sponsorships
|
6,66%Investment in CSR
|
19,64%Private banking customers
|
99%Permanent contracts
|
19,25%Community support initiatives
|
|
49%Women on the workforce
|
|||
* Data from the 2022 financial statements
