{"id":7214,"date":"2021-10-14T14:34:08","date_gmt":"2021-10-14T12:34:08","guid":{"rendered":"https:\/\/creandgroup.com\/nosaltres\/creand-en-dades\/"},"modified":"2025-07-02T11:12:40","modified_gmt":"2025-07-02T09:12:40","slug":"creand-in-figures","status":"publish","type":"page","link":"https:\/\/creandgroup.com\/en\/about-us\/creand-in-figures\/","title":{"rendered":"Creand in figures"},"content":{"rendered":"<section data-block_ebad9395b26fca12dc660e1ce1a037e8 class=\"hero align section-hero-secondary relative block clear-both overflow-hidden bg-center bg-cover\" style=\"background-image: url('https:\/\/creandgroup.com\/wp-content\/uploads\/Mask_Group_3.jpg')\" data-aos=\"fade\" data-aos-duration=\"500\" data-aos-easing=\"ease-in-out\" data-aos-mirror=\"false\">\n        <div class=\"container relative flex flex-wrap items-center py-10 xl:pl-48 lg:h-68 lg:flex-nowrap\">\n            <svg class=\"icon-oval-secundary hidden md:block absolute top-0 -left-5 lg:-left-20 xl:left-24 h-full\" width=\"317\" height=\"247\" viewBox=\"0 0 317 247\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path opacity=\"0.5\" d=\"M317 370C142.478 370 1 259.638 1 123.5C1 -12.6382 142.478 -123 317 -123\" stroke=\"white\" stroke-width=\"1.6658\"\/>\n<\/svg> \n            <h1 class=\"text-white lg:w-1\/2 lg:pr-10  font-tiempos_bold \"   style=\"line-height: 52px; letter-spacing: 2px; font-size: 45px;\" >Creand<br \/>\r\nin figures<\/h1>\n            <div class=\"pl-3 mt-3 lg:mt-0 text-white lg:w-2\/3\">\n                <h3 class=\" big-text   leading-normal\"><\/h3>\n                            <\/div>\n        <\/div>\n    <\/section>\n    <style>\n        .section-hero-secondary a.border-white{\n            transition: all 0.2s;\n        }\n        .section-hero-secondary a.border-white:hover{\n            color: #369125;\n            background-color: white;\n        }\n        .section-hero-secondary a.border-white:hover .icon-white-fill path{\n            fill: #369125;\n        }\n        .section-hero-secondary.text-light .container{\n            height: auto !important;\n        }\n        .section-hero-secondary.text-light h1{\n            font-weight: 400 !important;\n        }\n        .section-hero-secondary .big-text{\n            font-size: 18px;\n            line-height: 28px;\n        }\n        @media (min-width: 1024px){\n            .section-hero-secondary .big-text{\n                font-size: 22px;\n                line-height: 32px;\n            }\n        }\n    <\/style>\n\n\n<section data-block_7c0cfd681a591e98183d1295df9cf806 class=\"navigation align section-navigation hidden lg:block  border-b sticky top-10 xl:top-20 bg-white overflow-hidden border-t border-gallery_gray \" data-aos=\"fade\" data-aos-duration=\"500\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n    <div class=\"container\">\n        <div class=\"wrapper flex items-center\">\n            <div class=\"flex items-center gap-5 lg:gap-8 text-center justify-evenly uppercase navigation-list mx-auto font-roboto_regular\">\n                                             <a href=\"https:\/\/creandgroup.com\/en\/about-us\/who-are-we\/\" class=\"text-sm lg:text-base py-5 xl:pt-8 xl:pb-6 cursor-pointer\">Who are we<\/a>\n                                             <a href=\"https:\/\/creandgroup.com\/en\/about-us\/govern-corporatiu\/\" class=\"text-sm lg:text-base py-5 xl:pt-8 xl:pb-6 cursor-pointer\">Corporate governance<\/a>\n                                             <a href=\"https:\/\/creandgroup.com\/en\/about-us\/the-creand-brand\/\" class=\"text-sm lg:text-base py-5 xl:pt-8 xl:pb-6 cursor-pointer\">The Creand brand<\/a>\n                                             <a href=\"#\" class=\"text-sm lg:text-base py-5 xl:pt-8 xl:pb-6 cursor-pointer\">Creand in figures<\/a>\n                        <\/div>\n        <\/div>\n    <\/div>\n\n<\/section>\n<style>\n    .section-navigation{\n        z-index: 19;\n    }\n    .section-navigation .currentPage{\n        color: #369125;\n        font-weight: 700;\n        border-bottom: 2px solid #369125;\n    }\n    .section-navigation .active{\n        color: #369125;\n        font-weight: 700;\n        border-bottom: 2px solid #369125;\n    }\n    .navigation-list a:hover{\n        color: #369125;\n        border-bottom: 2px solid #369125;\n    }\n    .section-navigation .go-back:hover .icon-arrow-down path{\n        stroke: #369125;\n    }\n<\/style>\n<script>\n    function goBack() {\n        window.history.back();\n    }\n<\/script>\n\n<section id=\"block_501ae457826050710a94594a9d193b0a\" data-block_501ae457826050710a94594a9d193b0a   class=\"table-left-html rows-25 align section-left-table-html relative block clear-both overflow-hidden bg-white   mt-8 lg:mt-16  bg-opacity-50\">\n    <div class=\"container flex justify-between flex-wrap lg:flex-nowrap\">\n      <div class=\"section-info w-full lg:w-4\/12 lg:pr-10\" data-aos=\"fade\" data-aos-duration=\"500\"  data-aos-delay=\"0\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n          <h2 class=\"text-title font-tiempos_bold\">Solidity in management<\/h2>\n          <div class=\"mt-1 font-light\"><\/div>\n                <\/div>\n      <div class=\"section-content w-full lg:w-8\/12 overflow-auto mt-10 lg:mt-0\"  data-aos-id=\"counterup font-light-table\" data-aos=\"fade-in\" data-aos-duration=\"1000\"  data-aos-delay=\"0\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                      <table class=\"w-full text-left\">\r\n            <thead>\r\n              <tr>\r\n                <th>Balance sheet (in thousands of \u20ac)<\/th>\r\n                <th>Result (in thousands of \u20ac)<\/th>\r\n                <th>Profitability and efficiency (%)<\/th>\r\n                <th>Ratios (%)<\/th>\r\n              <\/tr>\r\n              <tbody>\r\n                <tr>\r\n                  <td>\r\n                    <div>Assets<\/div>\r\n                    <h3>6,709,861<\/h3>\r\n                  <\/td>\r\n                  <td>\r\n                    <div>Total net operating income<\/div>\r\n                    <h3>221,267<\/h3>\r\n                  <\/td>\r\n                  <td>\r\n                    <div>Efficiency ratio<\/div>\r\n                    <h3>62.81%<\/h3>\r\n                  <\/td>\r\n                  <td>\r\n                    <div>Solvency ratio<\/div>\r\n                    <h3>18.32%<\/h3>\r\n                  <\/td>\r\n                <\/tr>\r\n                <tr>\r\n                  <td>\r\n                    <div>Net equity<\/div>\r\n                    <h3>654,335<\/h3>\r\n                  <\/td>\r\n                  <td>\r\n                    <div>Income before taxes<\/div>\r\n                    <h3>75,631<\/h3>\r\n                  <\/td>\r\n                  <td>\r\n                    <div>ROE<\/div>\r\n                    <h3>12.32%<\/h3>\r\n                  <\/td>\r\n                  <td>\r\n                    <div>Liquidity ratio<\/div>\r\n                    <h3>168.49%<\/h3>\r\n                  <\/td>\r\n                <\/tr>\r\n                <tr>\r\n                  <td>\r\n                    <div>Business volume<\/div>\r\n                    <h3>30,682,238<\/h3>\r\n                  <\/td>\r\n                  <td>\r\n                    <div>Net attributable profit<\/div>\r\n                    <h3>70,901<\/h3>\r\n                  <\/td>\r\n                  <td>\r\n                    <div>ROA<\/div>\r\n                    <h3>1.14%<\/h3>\r\n                  <\/td>\r\n                  <td>\r\n                    <div>NPL ratio<\/div>\r\n                    <h3>2.62%<\/h3>\r\n                  <\/td>\r\n                <\/tr>\r\n                <tr>\r\n                  <td>\r\n                    <div>Customer assets under management<\/div>\r\n                    <h3>22,956,984<\/h3>\r\n                  <\/td>\r\n                  <td>\r\n                 <\/td>\r\n                  <td>\r\n                    <div>ROTE <sup>1<\/sup><\/div>\r\n                    <h3>15.05%<\/h3>\r\n                  <\/td>\r\n                  <td>\r\n                    <div>NPL coverage ratio<\/div>\r\n                    <h3>42.71%<\/h3>\r\n                  <\/td>\r\n                <\/tr>\r\n                <tr>\r\n                  <td>\r\n                    <div>Customer deposits<\/div>\r\n                    <h3>4,943,122<\/h3>\r\n                  <\/td>\r\n                <\/tr>\r\n                <tr>\r\n                  <td>\r\n                    <div>Loans to customers<\/div>\r\n                    <h3>2,782,132<\/h3>\r\n                  <\/td>\r\n                <\/tr>\r\n              <\/tbody>\r\n            <\/thead>\r\n        <\/table>\n        <div class=\"table-footer mt-7 text-xs py-5 border-t font-roboto_regular border-silver_gray font-light\">\n          * Data from the 2024 financial statements<br \/>\r\n1. Profit after tax on average shareholders&#8217; equity, excluding intangible assets. See corresponding table in the income statement of the audited financial statements.\n        <\/div>\n      <\/div>\n    <\/div>\n<\/section>\n<style>\n  .section-left-table-html table .featured{\n    background: #E1EFDF;\n    border: 0;\n\n  }\n  .section-left-table-html table{\n    min-width: 727px;\n  }\n  .section-left-table-html table td.green-triangle::before{\n    content: \"\";\n    display: inline-block;\n    width: 0;\n    height: 0;\n    border-style: solid;\n    border-width: 0 6px 10px 6px;\n    border-color: transparent transparent #369125 transparent;\n    margin-right: 5px;\n    transform: rotate(180deg);\n  }\n  .section-left-table-html table td.green-triangle.triangle-up::before{\n    content: \"\";\n    display: inline-block;\n    width: 0;\n    height: 0;\n    border-style: solid;\n    border-width: 0 6px 10px 6px;\n    border-color: transparent transparent #369125 transparent;\n    margin-right: 5px;\n    transform: rotate(0deg);\n  }\n  .section-left-table-html table thead{\n    font-size: 14px;\n    line-height: 24px;\n  }\n  .section-left-table-html table tr > .green-triangle{\n    padding-right: 50px;\n  }\n  .section-left-table-html table tr td {\n    padding-top: 11px;\n  }\n  .section-left-table-html table tr:nth-child(-n + 2) td {\n    padding-top: 24px;\n  }\n  .section-left-table-html table tr > .green-triangle ~ .green-triangle {\n    padding-right: 0px;\n  }\n  .rows-25 table td{\n    width:  25%;\n  }\n  .section-left-table-html table td{\n    transition: all 0.3s ease-in-out;\n  }\n  .section-left-table-html table td div{\n    font-weight: 300;\n  }\n  .section-left-table-html table td h3{\n    font-family: tiempos-regular;\n  }\n  .section-left-table-html table td:hover,\n  .section-left-table-html thead tr th:hover{\n    background: #F5F5F5;\n  }\n  .section-left-table-html tbody tr td,\n  .section-left-table-html thead tr th{\n    transition: all 0.3s ease-in-out;\n  }\n  .section-left-table-html tbody tr td h3{\n    font-size: 22px;\n    color: #369125;\n  }\n  .section-left-table-html tbody tr td div{\n    font-size: 14px;\n    color: #646464;\n  }\n  .section-left-table-html .section-content::-webkit-scrollbar {\n    height: 3px;\n  }\n\n  .section-left-table-html .section-content::-webkit-scrollbar-thumb {\n    background-color: #369125;\n    outline: 1px solid #369125;\n    border-radius: 50px;\n  }\n\n  .section-left-table-html .section-content::-webkit-scrollbar-track {\n    box-shadow: inset 0 0 4px rgba(0,0,0,0.2);\n  }\n  @-moz-document url-prefix() {\n  .section-left-table-html .section-content.scroller {\n    scrollbar-width: 3px;\n    scrollbar-color: #369125;\n  }\n}\n<\/style>\n\n<section id=\"block_da7431b10d7fe35cbd229e028601ef4d\" data-block_da7431b10d7fe35cbd229e028601ef4d  class=\"relative overflow-hidden mt-20 section-cta-banner-custom py-6 flex items-center  overlay-light \" data-aos=\"fade-in\" data-aos-duration=\"500\"  data-aos-delay=\"0\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n    <div class=\"container\">\n        <div class=\"flex flex-col justify-center z-2 relative\">\n                        <h2 class=\"cta-banner-title text-center font-tiempos_bold leading-tight mt-0  text-black \">2024 in figures<\/h2>\n                                                <a class=\"relative button-banner text-center inline-block clear-both mx-auto w-auto mt-8\" href=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Financial-Statements-Creand-Group-2024_web-1.pdf\" target=\"_blank\" title=\"Consult\">Consult<\/a>\n                    <\/div>\n    <\/div>\n<\/section>\n<style>\n.section-cta-banner-custom {\n    min-height: 350px;\n    background-image: url('https:\/\/creandgroup.com\/wp-content\/uploads\/banner.jpg');\n    background-repeat: no-repeat;\n    background-size: cover;\n    background-position: center center;\n    position: relative;\n    z-index: 0;\n}\n\n@media (min-width: 768px) {\n    .section-cta-banner-custom{\n        background-image: url('https:\/\/creandgroup.com\/wp-content\/uploads\/banner.jpg');\n        z-index: 0;\n    }\n}\n\n.section-cta-banner-custom.overlay-light::before {\n    position: absolute;\n    left: 0;\n    top: 0;\n    width: 100%;\n    height: 100%;\n    background-color: #FFFFFF;\n    z-index: 1;\n    content: \"\";\n    display: block;\n    opacity: 0.40;\n}\n.section-cta-banner-custom.overlay-dark::before {\n    position: absolute;\n    left: 0;\n    top: 0;\n    width: 100%;\n    height: 100%;\n    background-color: #000000;\n    z-index: 1;\n    content: \"\";\n    display: block;\n    opacity: 0.40;\n}\n.section-cta-banner-custom.overlay-none::before {\n    display: none;\n}\n<\/style>\n\n<section id=\"block_1d498ef946357bc18cf30e172a9e70bf\" data-block_1d498ef946357bc18cf30e172a9e70bf   class=\"table-centered-html align mt-8 lg:mt-16 section-centered-table relative block clear-both overflow-hidden py-10 lg:py-20\">\n    <div class=\"container\">\n      <div class=\"section-info w-full text-center\" data-aos=\"fade\" data-aos-duration=\"500\"  data-aos-delay=\"0\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n          <h2 class=\"text-title font-tiempos_bold\">Committed banking<\/h2>\n          <div class=\"mt-5 mx-auto lg:w-1\/2 font-light\">We highlight our raison d&#8217;\u00eatre 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.<\/div>\n      <\/div>\n      <div class=\"section-content max-w-[800px] mx-auto mt-10 py-3 w-full overflow-auto flex flex-wrap flex-col gap-5\" data-aos-id=\"counterup-table\" data-aos=\"fade-in\" data-aos-duration=\"1000\"  data-aos-delay=\"0\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n        <table>\r\n          <thead>\r\n            <tr>\r\n              <th>Committed to our customers<\/th>\r\n              <th>Committed to the team<\/th>\r\n              <th>Committed to society<\/th>\r\n              <th>Committed to the environment<\/th>\r\n            <\/tr>\r\n          <\/thead>\r\n          <tbody>\r\n            <tr>\r\n              <td>\r\n                <h3 class=\"counterup\">54,374<\/h3>\r\n                <div>Retail banking customers<\/div>\r\n              <\/td>\r\n              <td>\r\n                <h3 class=\"counterup\">508<\/h3>\r\n                <div>Staff in Andorra<\/div>\r\n              <\/td>\r\n              <td colspan=\"2\" class=\"text-center featured\">\r\n                <h3 class=\"counterup\">\u20ac 3.67 M<\/h3>\r\n                <div>Global investment in society<\/div>\r\n              <\/td>\r\n            <\/tr>\r\n            <tr>\r\n              <td class=\"border-bottom-0 border-top-0\">\r\n                <h3 class=\"counterup\">720<\/h3>\r\n                <div>Business banking customers<\/div>\r\n              <\/td>\r\n              <td class=\"border-bottom-0 border-top-0\">\r\n                <h3 class=\"counterup\">823<\/h3>\r\n                <div>International staff<\/div>\r\n              <\/td>\r\n              <td class=\"border-bottom-0\">\r\n                <h3 class=\"counterup\">76.97%<\/h3>\r\n                <div>Economic stimulation initiatives and sports sponsorships <\/div>\r\n              <\/td>\r\n              <td class=\"border-bottom-0\">\r\n                <h3 class=\"counterup\">5.29%<\/h3>\r\n                <div>Initiatives to combat climate change<\/div>\r\n              <\/td>\r\n            <\/tr>\r\n            <tr>\r\n              <td class=\"border-bottom-0 border-top-0\">\r\n                <h3 class=\"counterup\">9,886<\/h3>\r\n                <div>Private banking customers<\/div>\r\n              <\/td>\r\n              <td class=\"border-bottom-0 border-top-0\">\r\n                <h3 class=\"counterup\">99.64%<\/h3>\r\n                <div>Permanent contracts<\/div>\r\n              <\/td>\r\n              <td class=\"border-bottom-0 border-top-0\">\r\n                <h3 class=\"counterup\">17.74%<\/h3>\r\n                <div>Community support initiatives<\/div>\r\n              <\/td>\r\n              <td class=\"border-bottom-0 border-top-0\"><\/td>\r\n            <\/tr>\r\n            <tr>\r\n              <td class=\"border-top-0\">\r\n                <h3 class=\"counterup\">35,069<\/h3>\r\n                <div>Online banking customers<\/div>\r\n             <\/td>\r\n              <td class=\"border-top-0\">\r\n                <h3 class=\"counterup\">48%<\/h3>\r\n                <div>Women on the workforce<\/div>\r\n              <\/td>\r\n              <td class=\"border-top-0\"><\/td>\r\n              <td class=\"border-top-0\"><\/td>\r\n            <\/tr>\r\n          <\/tbody>\r\n        <\/table>\r\n<div>\r\n<p>  * Data from the 2024 financial statements<\/p>\r\n<\/div>\n      <\/div>\n    <\/div>\n<\/section>\n<style>\n  .section-centered-table table{\n    width: 800px;\n    margin: 0 auto;\n    border-collapse: collapse;\n    text-align: left;\n  }\n  .section-centered-table table .featured{\n    background: #E1EFDF;\n    border: 0;\n\n  }\n  .section-centered-table td{\n    border-top: 0.5px dashed #BBBBBB;\n    border-right: 0.5px dashed #BBBBBB;\n    border-left: 0.5px dashed #BBBBBB;\n  }\n  .section-centered-table td h3{\n    font-family: tiempos-regular;\n  }\n  .section-centered-table td{\n    padding: 29px 20px 40px 23px;\n    transition: all 0.2s ease-in-out;\n  }\n  .section-centered-table td:hover{\n    background-color: #F5F5F5;\n    border: 0;\n  }\n  .section-centered-table td:empty:hover{\n    background-color: transparent;\n  }\n  .section-centered-table thead tr th{\n    padding: 18px 25px;\n    color: black;\n    font-size: 14px;\n    font-weight: bold;\n    border: 0;\n  }\n  .section-centered-table tbody tr td,\n  .section-centered-table thead tr th{\n    width: 25%;\n  }\n  .section-centered-table tbody tr td div{\n    font-weight: 300;\n  }\n  .section-centered-table tbody tr td:first-child {\n    border-left: 0px;\n  }\n  .section-centered-table tbody tr td:last-child {\n    border-right: 0px;\n  }\n  .section-centered-table tbody tr td h3{\n    font-size: 22px;\n    color: #369125;\n  }\n  .section-centered-table tbody tr td div{\n    font-size: 14px;\n    color: #646464;\n  }\n  .section-centered-table .section-content p{\n  font-weight:bold;\n  font-size: 12px;\n  }\n\n  .section-centered-table .section-content::-webkit-scrollbar {\n    height: 3px;\n  }\n\n  .section-centered-table .section-content::-webkit-scrollbar-thumb {\n    background-color: #369125;\n    outline: 1px solid #369125;\n    border-radius: 50px;\n  }\n\n  .section-centered-table .section-content::-webkit-scrollbar-track {\n    box-shadow: inset 0 0 4px rgba(0,0,0,0.2);\n  }\n  @-moz-document url-prefix() {\n    .section-centered-table .section-content.scroller {\n      scrollbar-width: thin;\n      scrollbar-color: #369125;\n    }\n  }\n\n  .border-bottom-0{\n    border-bottom: 0px !important;\n  }\n  .border-top-0{\n    border-top: 0px !important;\n  }\n<\/style>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":6752,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-7214","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/creandgroup.com\/en\/wp-json\/wp\/v2\/pages\/7214","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/creandgroup.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/creandgroup.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/creandgroup.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/creandgroup.com\/en\/wp-json\/wp\/v2\/comments?post=7214"}],"version-history":[{"count":0,"href":"https:\/\/creandgroup.com\/en\/wp-json\/wp\/v2\/pages\/7214\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/creandgroup.com\/en\/wp-json\/wp\/v2\/pages\/6752"}],"wp:attachment":[{"href":"https:\/\/creandgroup.com\/en\/wp-json\/wp\/v2\/media?parent=7214"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}