|
|
| |
KUTXA'S MAIN RESULTS
(millions euros) |
DEAL
|
31/12/2008 |
31/12/2007 |
%variac. |
 |
| Customers resources |
19.580 |
19.467 |
0,6 |
|
| Credit investment |
16.117 |
14.783 |
9,0 |
|
| Defaults index (%) |
1,87 |
0,66 |
|
|
| Defaults coverage (%) |
125 |
345 |
|
|
|
RESULTS-PROFITABILITY ON
CONSOLIDATED BASE
|
31/12/2008 |
31/12/2007 |
%variac. |
|
| Profit after tax |
140,3 |
215,6 |
-34,9 |
|
| Countable own resources(dec 08) |
2.273,0 |
2.427,6 |
-6,4 |
|
| ROE (%) |
6,17 |
8,88 |
|
|
| ROA (%) |
0,66 |
1,07 |
|
|
| Solvency (%)(december 08) |
14,58 |
17,36 |
|
|
| Efficiency (%) |
57,19 |
45,25 |
|
|
|
| |
MEANS
|
31/12/2008 |
31/12/2007 |
%variac. |
|
| Nš of Employees |
2.823 |
2.771 |
1,9 |
|
| Nš of Offices |
338 |
325 |
4,0 |
|
| Nš of Offices outside Gipuzkoa |
205 |
195 |
5,1 |
|
| Nš of Cash Dispensers |
740 |
680 |
8,8 |
|
| Nš of Cards |
891.022 |
872.677 |
2,1 |
|
|
RATING
|
31/12/2008 |
31/12/2007 |
%variac. |
|
|
A+, A1 |
A+, A1 |
|
|
|
CONSOLIDATED RESULTS ON DECEMBER 31ST, 2008
(millions euros) |
|
|
Amount |
%Variation from previous year |
|
| Interest Margin |
|
269,8 |
-7,1% |
|
| Dividends Variable Income |
|
41,3 |
-1,7% |
| Results companies m participation |
|
58,7 |
69,4% |
| Results from services |
|
105,7 |
-3,5% |
| Financial transactions |
|
144,4 |
-28,2% |
|
Gross Margin
|
|
619,8
|
-8,5%
|
|
| Operating Expenditure |
|
-350 |
17,5% |
| Depreciation and wear and tear financial assets |
-50,7 |
-48,6% |
|
Operating Margin
|
|
219,1 |
-22,0%
|
|
Wear and tear other assets and other results |
-78,2 |
19,0% |
|
Result attributed to the Group |
|
140,9 |
-34,5% |
|
|
| |
 |
|
