| Balance sheet (in thousands of €) | Result (in thousands of €) | Profitability and efficiency (%) | Ratios (%) |
|---|---|---|---|
|
Assets
6.184.961 |
Total net operating income
218.675 |
Efficiency ratio
61,07% |
Solvency ratio
17,78% |
|
Net equity
606.529 |
Income before taxes
76.506 |
ROE
12,78% |
Liquidity ratio
155,92% |
|
Business volume
27.620.125 |
Net attributable profit
71.256 |
ROA
1,13% |
NPL ratio
3,11% |
|
Customer assets under management
20.240.237 |
ROTE 1
15,91% |
NPL coverage ratio
43,10% |
|
|
Customer deposits
4.652.489 |
|||
|
Loans to customers
2.727.399 |
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 |
|---|---|---|---|
84,98%Retail banking customers
|
507Staff in Andorra
|
3,53 M€Global investment in society
|
|
1,08%Business banking customers
|
289International staff
|
78,04%Economic stimulation initiatives and sports sponsorships
|
3,33%Investment in environment
|
15,12%Private banking customers
|
99%Permanent contracts
|
18,63%Community support initiatives
|
|
48%Women on the workforce
|
|||
* Data from the 2023 financial statements
