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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.
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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%.

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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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