| Balance sheet (in thousands of €) | Result (in thousands of €) | Profitability and efficiency (%) | Ratios (%) |
|---|---|---|---|
|
Assets
6,609,182 |
Total net operating income
213,549 |
Efficiency ratio
67.76% |
Solvency ratio
18.38% |
|
Net equity
654,335 |
Profit before taxes
67,504 |
ROE
9.54% |
Liquidity ratio
161.11% |
|
Business volume
38,806,038 |
Net attributable profit
63,182 |
ROA
0.96% |
NPL ratio
2.22% |
|
Assets under Management
30,923,329 |
ROTE 1
11.36% |
NPL coverage ratio
35.45% |
|
|
Customer deposits
4,915,700 |
|||
|
Loans to customers
2,967,009 |
Creand
in figures
Solidity in management
Committed banking
We highlight our reason for being as a committed bank working to build the future, through the promotion of initiatives that generate a positive impact on the business fabric, the local economy, social progress and the environment.
| Committed to our customers | Committed to the team | Committed to society | Committed to the environment |
|---|---|---|---|
59,722Retail banking customers
|
539Staff in Andorra
|
€3.41 MGlobal investment in society
|
|
720Business banking customers
|
882International staff
|
60.81%Economic stimulation initiatives and sports sponsorships
|
6.92%Initiatives to combat climate change
|
4,552Private banking customers
|
99%Permanent contracts
|
32.27%Community support initiatives
|
|
63%Online banking customers
|
48%Women on the workforce
|
||
* Data from the 2025 financial statements
