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CaixaBank (CABK) investor relations material
CaixaBank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Net income for 1H25 reached €2,951 million, up 10.3% year-over-year, with ROTE at 18.5% and improved guidance for FY25.
Strong growth in clients, performing loans (up 4.8–5% yoy), deposits (up 7% yoy), and wealth management AuMs (up 8% yoy) supported revenue expansion.
NPL ratio improved to a record low of 2.3%, with coverage at 70% and asset quality stable.
Digital transformation accelerated, with digital clients up ~600K yoy and significant adoption of AI tools.
Market leadership reinforced in Spain and Portugal, with multiple awards for banking and digital excellence.
Financial highlights
Net income for 2Q25 was €1,482 million, down 11.3% year-over-year but up sequentially; 1H25 net income up 10.3% year-over-year.
Net interest income for 2Q25 was €2,636 million, down 5.6% year-over-year and 0.4% quarter-over-quarter, with NII pressures expected to abate.
Revenues from services grew 5.4% year-over-year in 1H25, with wealth management revenues up 12–14.3% and stable protection insurance income.
Cost-to-income ratio at 37–38.6%, outperforming European peers.
Loan-loss charges declined 18.7% year-over-year in 2Q25, with cost of risk at 0.24% ttm and allowances for insolvency risk down 23.5%.
Outlook and guidance
FY25 guidance improved: revenues from services expected to grow mid-single-digit year-over-year, CoR to remain around 0.24–0.25%, and ROTE above 16%.
NII expected to stabilise, with improvement anticipated from 2H26 and upside for 2026–2027.
Deposit growth expected to outperform strategic plan targets, with current levels seen as sustainable.
Dividend policy for 2025 targets a payout of 50–60% of net profit, with interim and final dividends planned.
CET1 management target set at 12.25%, with cash payout target of 50–60%.
How did Basel IV impact CET1 ratio?
What drove wealth management revenue growth?
Detail share buyback program performance.
Assess BPI's long-term market share gains.
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Frequently asked questions
CaixaBank is an international bank with a presence in Spain and internationally. It provides retail banking services, private banking, asset management and other financial products in Spain and internationally. The company operates through the following business segments: Retail Banking; Private Banking; Wealth Management; Insurance; International Financial Services; and Corporate management activities. The Retail Banking segment comprises commercial entities providing mainly personal banking, mortgages and checking accounts to individuals, as well as consumer financing services.
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