CaixaBank S A : Half year interim financial report (CNMV filing)

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1º SEMESTRE 2020

ANNEX II

CREDIT INSTITUTIONS

1st		HALF-YEARLY FINANCIAL REPORT FOR FINANCIAL YEAR	2020
REPORTING DATE
	30/06/2020

I. IDENTIFICATION DATA

Registered Company Name: CAIXABANK, S.A.

Registered Address: CALLE PINTOR SOROLLA, 2-4 - VALENCIA

Tax Identification Number

A-08663619

II. SUPPLEMENTARY INFORMATION TO PREVIOUSLY RELEASED PERIODIC INFORMATION

Amendment to the accounting treatment linked to defined benefit commitments - Treatment of the assets held by the employee

Pension Fund

In order to improve the true image of the financial statements, at 31 December 2019 the Group voluntarily decided to change its accounting policy with regard to the treatment of assets held by the employee Pension Fund, thus deeming them eligible plan assets, and as a result the rights of the same on the underwritten policies are considered, as covered in the 2019 financial statements. For this reason, the statement of recognised income and expenditure and the statement of changes in net equity on 30 June 2019 have been restated. In Note 1.4 of the Consolidated Interim Financial Statements includes details of the restatement on 30 June 2019.

Translation of half-yearly financial report originally issued and prepared in Spanish. This English version is a translation of the original in Spanish for information purposes only. In the event of a discrepancy, the original Spanish-language version prevails.

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Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1º SEMESTRE 2020

III. STATEMENT(S) BY THE PERSON(S) RESPONSIBLE FOR THE INFORMATION

To the best of our knowledge, the accompanying condensed annual financial statements, which have been prepared in accordance with applicable accounting principles, give a true and fair view of the assets, liabilities, financial position and profit or loss of the issuer, or of the undertakings included in the consolidated financial statements taken as a whole, and the interim management report includes a fair review of the information required.

Comments on the above statement(s): Tomás Muniesa Arantegui, Gonzalo Gortázar Rotaeche, John Shepard Reed, María Teresa Bassons Boncompte, Maria Verónica Fisas Vergés, Fundación Bancaria - Caja General de Ahorros de Canarias, Alejandro García- Bragado Dalmau, Cristina Garmendia Mendizábal, Ignacio Garralda Ruiz de Velasco, Maria Amparo Moraleda Martínez, Eduardo Javier Sanchiz Irazu, Jose Serna Masia and Koro Usarraga Unsain do not sign as they have attended online to the Council meeting due to restrictions and recommendations from health authorities as a result of the spread of Covid-19 which limit physical meetings and displacements.

Person(s) responsible for this information:

Name/Company Name	Office
JORDI GUAL SOLE	PRESIDENT
TOMAS MUNIESA ARANTEGUI	VICEPRESIDENT
GONZALO GORTAZAR ROTAECHE	CEO
JOHN SHEPARD REED	LEAD DIRECTOR
MARÍA TERESA BASSONS BONCOMPTE	DIRECTOR
MARÍA VERÓNICA FISAS VERGES	DIRECTOR
FUNDACION BANCARIA CANARIA CAJA GENERAL DE AHORROS DE
CANARIAS-FUNDACION	DIRECTOR
ALEJANDRO GARCÍA-BRAGADO DALMAU	DIRECTOR
CRISTINA GARMENDIA MENDIZABAL	DIRECTOR
IGNACIO GARRALDA RUÍZ DE VELASCO	DIRECTOR
MARÍA AMPARO MORALEDA MARTÍNEZ	DIRECTOR
EDUARDO JAVIER SANCHIZ IRAZU	DIRECTOR
JOSÉ SERNA MASIÁ	DIRECTOR
KORO USARRAGA UNSAIN	DIRECTOR

In accordance with the power delegated by the board of directors, the board secretary certifies that the half-yearly financial report has been signed by the directors.

Date this half-yearly financial report was signed by the corresponding governing body: 30/07/2020

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Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1º SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

1. INDIVIDUAL BALANCE SHEET (1/3)(PREPARED USING PREVAILING NATIONAL ACCOUNTING STANDARDS)

Units: Thousand euros
ASSETS
	CURRENT PERIOD	PREVIOUS PERIOD
		30/06/2020	31/12/2019
1. Cash on hand, cash balances at central banks and other demand deposits	0040	39,967,000	13,898,000
2. Total financial Assets	0041	281,348,000	255,903,000
a) Financial assets held for trading	0045	15,771,000	14,240,000
Token entry: loaned or provided as collateral with right of sale or pledge	0046	426,000	165,000
b) Financial assets not designated for trading compulsory measured at fair value through profit or loss	0050	195,000	221,000
Token entry: loaned or provided as collateral with right of sale or pledge	0051
c) Financial Asset designated at fair value through profit or loss	0055		1,000
Token entry: loaned or provided as collateral with right of sale or pledge	0056
d) Financial assets at fair value with changes in other incomprehensive income	0060	18,699,000	16,316,000
Token entry: loaned or provided as collateral with right of sale or pledge	0061	3,893,000	2,544,000
e) Financial assets at amortised cost	0065	245,856,000	222,935,000
Token entry: loaned or provided as collateral with right of sale or pledge	0066	98,600,000	93,053,000
f) Derivatives - Hedge accountings	0070	409,000	2,133,000
g) Fair value changes of the hedged items in portfolio hedge of interest rate risk	0075	418,000	57,000
3. Investments in subsidiaries, joint ventures and associates	0080	10,857,000	10,923,000
a) Group entities	0090	9,469,000	9,535,000
b) Jointly-controlled entities	0091
c) Associates	0092	1,388,000	1,388,000
4. Tangible assets	0100	4,654,000	4,596,000
a) Property, plant and equipment	0101	4,620,000	4,560,000
i) For own use	0102	4,620,000	4,560,000
ii) Leased out under an operating lease	0103
iii) Assigned to welfare projects (savings banks and credit cooperatives)	0104
b) Investment property	0105	34,000	36,000
Of which: leased out under an operating lease	0106
Token entry: acquired under finance lease	0107	1,414,000	1,416,000
5. Intangible assets	0110	806,000	887,000
a) Goodwill	0111	427,000	529,000
b) Other intangible assets	0112	379,000	358,000
6. Tax assets	0120	8,349,000	8,963,000
a) Current tax assets	0121	586,000	1,307,000
b) Deferred tax assets	0122	7,763,000	7,656,000
7. Other assets	0130	3,654,000	3,656,000
a) Insurance contracts linked to pensions	0131	1,251,000	1,206,000
b) Inventories	0132	18,000	14,000
c) Other assets	0133	2,385,000	2,436,000
8.Non-current assets and disposal groups classified as held for sale	0140	325,000	338,000
TOTAL ASSETS	0150	349,960,000	299,164,000

Comments:

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Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1º SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

1. INDIVIDUAL BALANCE SHEET (2/3) (PREPARED USING PREVAILING NATIONAL ACCOUNTING STANDARDS)

Units: Thousand euros
			CURRENT	PREVIOUS
	EQUITY AND LIABILITIES		PERIOD	PERIOD
			30/06/2020	31/12/2019
1. Financial liabilities held for trading	0160	10,321,000	9,281,000
2. Financial liabilities designated at fair value through profit or loss	0170		1,000
Token entry: subordinate liabilities	0175
3. Financial liabilities at amortised cost	0180	311,716,000	260,875,000
Token entry: subordinate liabilities	0185	5,451,000	5,461,000
4. Derivatives - Hedge accounting	0190	150,000	442,000
5. Fair value changes of the hedged items in portfolio hedge of interest rate risk	0200	1,680,000	1,464,000
6. Provisions	0210	3,111,000	3,370,000
a) Pensions and other post-employment defined benefit obligations	0211	511,000	519,000
b) Other long-term employee benefits	0212	1,553,000	1,709,000
c)	Pending legal issues and tax litigation	0213	579,000	628,000
d) Commitments and guarantees given	0214	128,000	129,000
e) Other provisions	0215	340,000	385,000
7. Tax liabilities	0220	631,000	618,000
a)	Current tax liabilities	0221	22,000	1,000
b)	Deferred tax liabilities	0223	609,000	617,000
8. Share capital repayable on demand	0230
9. Other liabilities	0240	1,243,000	1,058,000
Of which: fund for welfare projects (savings banks and credit cooperatives)	0241
10. Liabilities included in disposal groups classified as held for sale	0250
TOTAL LIABILITIES	0260	328,852,000	277,109,000

Comments:

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Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1º SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

1. INDIVIDUAL BALANCE SHEET (3/3)(PREPARED USING PREVAILING NATIONAL ACCOUNTING STANDARDS)

Units: Thousand euros
		CURRENT	PREVIOUS
EQUITY AND LIABILITIES (continuation)		PERIOD	PERIOD
		30/06/2020	31/12/2019
CAPITAL AND RESERVES	0270	22,300,000	22,898,000
1. Capital	0280	5,981,000	5,981,000
a) Paid up capital	0281	5,981,000	5,981,000
b) Unpaid capital which has been called up	0282
Token entry: uncalled capital	0283
2. Share premium	0290	12,033,000	12,033,000
3. Equity instruments issued other than capital	0300
a) Equity component of compound financial instruments	0301
b) Other equity instruments issued	0302
4. Other equity	0310	24,000	24,000
5. Retained earnings	0320	7,728,000	6,049,000
6. Revaluation reserves	0330
7. Other reserves	0340	(3,321,000)	(3,254,000)
8. (-) Treasury shares	0350	(10,000)	(9,000)
9. Profit or loss for the period	0360	(135,000)	2,074,000
10. (-) Interim dividends	0370
ACCUMULATED OTHER COMPREHENSIVE INCOME	0380	(1,192,000)	(843,000)
1. Items that will not be reclassified to profit or loss	0390	(1,558,000)	(1,167,000)
a) Actuarial gains or (-) losses on defined benefit pension plans	0391	(43,000)	(45,000)
b) Non-current assets and disposal groups classified as held for sale	0392
c) Fair value changes of equity instruments measured at fair value through other comprehensive income	0394	(1,515,000)	(1,122,000)
d) Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other	0393
comprehensive income
e) Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit	0395
risk
2. Items that may be reclassified to profit or loss	0400	366,000	324,000
a) Hedge of net investments in foreign operations (effective portion)	0401
b) Foreign currency translation	0402
c) Hedging derivatives. Cash flow hedges (effective portion)	0403	109,000	(34,000)
d) Fair value changes of debt instruments measured at fair value through other comprehensive income	0404	257,000	358,000
e) Hedging instruments [not designated elements]	0405
f) Non-current assets and disposal groups classified as held for sale	0407
TOTAL EQUITY	0450	21,108,000	22,055,000
TOTAL EQUITY AND LIABILITIES	0460	349,960,000	299,164,000
TOKEN ENTRY: OFF-BALANCE-SHEET EXPOSURE
1. Loan commitments given	0470	62,409,000	57,850,000
2. Guarantees given	0490	5,383,000	5,086,000
3. Contingent commitments given	0480	18,915,000	20,738,000

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Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1º SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

2. INDIVIDUAL PROFIT AND LOSS ACCOUNT (PREPARED USING PREVAILING NATIONAL ACCOUNTING STANDARDS)

Units: Thousand euros
			PRESENT CURR.	PREVIOUS CURR.	CURRENT	PREVIOUS
			PERIOD	PERIOD	CUMULATIVE	CUMULATIVE
			(2nd HALF YEAR)	(2nd HALF YEAR)	30/06/2020	30/06/2019
(+)	Interest income	0501			1,956,000	2,117,000
	a) Financial assets at fair value with changes on other comprehensive	0591			128,000	123,000
	income
	b) Financial assets at amortised cost	0592			1,814,000	1,905,000
	c) Other assets	0593			14,000	89,000
(-)	Interest expense	0502			(326,000)	(412,000)
(-)	Remuneration of capital redeemable on demand	0503
=	A) NET INTEREST INCOME	0505			1,630,000	1,705,000
(+) Dividend income	0506			286,000	946,000
(+) Fee and commission income	0508			1,127,000	1,109,000
(-)	Fee and commission expenses	0509			(72,000)	(82,000)
	Gains or losses on derecognition of financial assets and liabilities not	0510			177,000	156,000
(+/-)measured at fair value through profit or loss, net
	a) Financial assets at amortised cost	0594			114,000
	b) Rest of assets and liabilities	0595			63,000	156,000
(+/-)Gains or (-) losses on financial assets and liabilities held for trading, net	0511			21,000	68,000
	a) Reclassification of financial assets from fair value with changes in	0596
	other comprehensive income
	a) Reclassification of financial assets from amortised cost	0597
	a) Other gains or (-) losses	0598			21,000	68,000
	Gains or (-) losses on financial assets not designated for trading	0519			(7,000)
(+/-)compulsory measured at fair value through profit or loss, net
	a) Reclassification of financial assets from fair value with changes in	0599
	other incomprehensive income
	a) Reclassification of financial assets from amortised cost	0581
	a) Other gains or (-) losses	0582			(7,000)
	Gains or (-) losses on financial assets and liabilities designated at fair					(25,000)
(+/-)value through profit or loss, net	0512
(+/-)Gains or losses from hedge accounting, net	0513			(1,000)	49,000
(+/-)Exchange differences [gain or (-) loss], net	0514			(39,000)	(63,000)
(+/-)Gains or (-) losses on derecognition of non-financial assets, net	0546			2,000	6,000
(+) Other operating income	0515			48,000	32,000
(-)	Other operating expenses	0516			(207,000)	(202,000)
(-)	Administrative expenses:	0521			(1,709,000)	(2,766,000)
(-)	a) Staff expenses	0522			(1,210,000)	(2,258,000)
(-)	b) Other administrative expenses	0523			(499,000)	(508,000)
(-)	Depreciation	0524			(274,000)	(267,000)
(+/-)Provisions or reversal of provisions	0525			(115,000)	13,000
	Impairment or reversal of impairment on financial assets not measured at				(991,000)	(152,000)
(+/-)fair value through profit or loss	0526
	a) Financial assets at fair value with changes on other comprehensive				1,000	1,000
(+/-)income	0527
(+/-)b) Financial assets at amortised cost	0528			(992,000)	(153,000)
=	NET OPERATING INCOME	0540			(124,000)	527,000

Comments:

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Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1º SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

2. INDIVIDUAL PROFIT AND LOSS ACCOUNT (PREPARED USING PREVAILING NATIONAL ACCOUNTING STANDARDS)

Units: Thousand euros
			PRESENT CURR.	PREVIOUS CURR.		CURRENT	PREVIOUS
			PERIOD	PERIOD		CUMULATIVE	CUMULATIVE
			(2nd HALF YEAR)	(2nd HALF YEAR)		30/06/2020	30/06/2019
	Impairment or reversal of impairment of investments in subsidiaries, joint				(91,000)	(55,000)
(+/-)ventures and associates	0541
(+/-)Impairment or reversal of impairment on non-financial assets	0542			(10,000)	(13,000)
(+/-)a) Property, plant and equipment	0543			(10,000)	(13,000)
(+/-)b) Intangible assets	0544
(+/-)c) Other	0545
(+) Negative goodwill recognised in profit or loss	0547
	Profit or loss from non-current assets and disposal groups classified as				(21,000)	(18,000)
(+/-)held for sale not qualifying as discontinued operations	0548
=	D) PROFIT OR LOSS BEFORE TAX FROM CONTINUING OPERATIONS	0550			(246,000)	441,000
	Tax expense or income related to profit or loss from continuing				111,000	110,000
(+/-)operations	0551
=	E) PROFIT OR LOSS AFTER TAX FROM CONTINUING OPERATIONS	0560			(135,000)	551,000
(+/-)Profit or loss after tax from discontinued operations	0561
=	PROFIT OR LOSS FOR THE PERIOD	0570			(135,000)	551,000
			Amount (X.XX	Amount (X.XX		Amount (X.XX	Amount (X.XX
	EARNINGS PER SHARE		euros)	euros)		euros)	euros)
	Basic	0580				(0.03)	0.08
	Diluted	0590				(0.03)	0.08

Comments:

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Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1º SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

3. INDIVIDUAL STATEMENT OF RECOGNISED INCOME AND EXPENSE (PREPARED USING PREVAILING NATIONAL ACCOUNTING STANDARDS)

Units: Thousand euros
			CURRENT	PREVIOUS
			PERIOD	PERIOD
			30/06/2020	30/06/2019
A) PROFIT OR LOSS FOR THE PERIOD	0600	(135,000)	551,000
B) OTHER COMPREHENSIVE INCOME	0610	(349,000)	124,000
1. Items that will not be reclassified to profit or loss	0620	(392,000)	65,000
a) Actuarial gains or (-) losses on defined benefit pension plans	0621	3,000	(35,000)
b) Non-current assets and disposal groups held for sale	0622	(394,000)
c) Fair value changes of equity instruments measured at fair value through other comprehensive	0623		90,000
income
d) Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through	0625
other comprehensive income
	Fair value changes of equity instruments measured at fair value through other comprehensive	0626	58,000	(3,000)
	income [hedged item]
	Fair value changes of equity instruments measured at fair value through other comprehensive	0627	(58,000)	3,000
	income [hedging instrument]
e) Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in
their credit risk
d) Income tax relating to items that will not be reclassified	0624	(1,000)	10,000
2. Items that may be reclassified to profit or loss	0630	43,000	59,000
a) Hedge of net investments in foreign operations [effective portion]	0635
- Valuation gains or losses taken to equity	0636
-	Transferred to profit or loss	0637
-	Other reclassifications	0638
b) Foreign currency translation	0640		(1,000)
- Translation gains or losses taken to equity	0641		(1,000)
-	Transferred to profit or loss	0642
-	Other reclassifications	0643
c) Cash flow hedges [effective portion]	0645	211,000	(44,000)
- Valuation gains or losses taken to equity	0646	226,000	(6,000)
-	Transferred to profit or loss	0647	(15,000)	(38,000)
- Transferred to initial carrying amount of hedged items	0648
-	Other reclassifications	0649
d) Hedging instruments [not designated elements]	0631
Valuation gains or (-) losses taken to equity	0632
Transferred to profit or loss	0633
Other reclassifications	0634
e) Debt instruments at fair value through other comprehensive income	0650	(136,000)	207,000
Valuation gains or (-) losses taken to equity	0651	(118,000)	350,000
Transferred to profit or loss	0652	(18,000)	(143,000)
Other reclassifications	0653
f) 'Non-current assets and disposal groups held for sale	0655
Valuation gains or (-) losses taken to equity	0656
Transferred to profit or loss	0657
Other reclassifications	0658
g) Income tax relating to items that may be reclassified to profit or loss	0660	(32,000)	(103,000)
C) TOTAL COMPREHENSIVE INCOME FOR THE PERIOD	0670	(484,000)	675,000

Comments:

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Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

4. INDIVIDUAL STATEMENT OF TOTAL CHANGES IN EQUITY (PREPARED USING PREVAILING NATIONAL ACCOUNTING STANDARDS ) (1/2)

Units: Thousand euros
				Equity								Accumulated
CURRENT PERIOD				instruments								other
		Share	issued other		Retained	Revaluation		(-) Treasury	Profit or loss	(-) Interim	comprehensive
		Capital	premium	than capital	Other equity	earnings	reserves	Other reserves	shares	for the period	dividends	income	Total
Opening balance [before restatement]	0700	5,981,000	12,033,000		24,000	6,049,000		(3,254,000)	(9,000)	2,074,000		(843,000)	22,055,000
Effects of corrections of errors	0701
Effects of changes in accounting policies	0702
Opening balance [current period]	0710	5,981,000	12,033,000		24,000	6,049,000		(3,254,000)	(9,000)	2,074,000		(843,000)	22,055,000
Total comprehensive income for the period	0720									(135,000)		(349,000)	(484,000)
Other changes in equity	0730					1,679,000		(67,000)	(1,000)	(2,074,000)			(463,000)
Issuance of ordinary shares	0731
Issuance of preference shares	0732
Issuance of other equity instruments	0733
Exercise or expiration of other equity instruments issued	0734
Conversion of debt to equity	0735
Capital reduction	0736
Dividends (or remuneration to shareholders)	0737					4180,000							418,000
Purchase of treasury shares	0738								(7,000)				(7,000)
Sale or cancellation of treasury shares	0739								6,000				6,000
Reclassification of financial instruments from equity to liability	0740
Reclassification of financial instruments from liability to equity	0741
Transfers among components of equity	0742					2,074,000
Equity increase or (-) decrease resulting from business
combinations	0743
Share based payments	0744
Other increase or (-) decrease in equity	0745					23,000		(67,000)					(44,000)
Of which: discretionary transfer to welfare projects and
funds (savings banks and credit cooperatives)	0746
Closing balance [current period]	0750	5,981,000	12,033,000		24,000	7,728,000		(3,321,000)	(10,000)	(135,000)		(1,192,000)	21,108,000

Comments:

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Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

4. INDIVIDUAL STATEMENT OF TOTAL CHANGES IN EQUITY (PREPARED USING PREVAILING NATIONAL ACCOUNTING STANDARDS ) (2/2)

Units: Thousand euros
				Equity								Accumulated
PREVIOUS PERIOD				instruments								other
		Share	issued other		Retained	Revaluation		(-) Treasury	Profit or loss	(-) Interim	comprehensive
		Capital	premium	than capital	Other equity	earnings	reserves	Other reserves	shares	for the period	dividends	income	Total
Opening balance [before restatement]	0751	5,981,000	12,033,000		19,000	5,983,000		(3,110,000)	(9,000)	1,163,000		(785,000)	21,275,000
Effects of corrections of errors	0752
Effects of changes in accounting policies	0753
Opening balance [comparative period]	0754	5,981,000	12,033,000		19,000	5,983,000		(3,110,000)	(9,000)	1,163,000		(785,000)	21,275,000
Total comprehensive income for the period	0755									551,000		124,000	(675,000)
Other changes in equity	0756					41,000		(68,000)		(1,163,000)	419,000	0	(771,000)
Issuance of ordinary shares	0757
Issuance of preference shares	0758
Issuance of other equity instruments	0759
Exercise or expiration of other equity instruments issued	0760
Conversion of debt to equity	0761
Capital reduction	0762
Dividends (or remuneration to shareholders)	0763					(598,000)							(598,000)
Purchase of treasury shares	0764								(6,000)				(6,000)
Sale or cancellation of treasury shares	0765								6,000				6,000
Reclassification of financial instruments from equity to liability	0766
Reclassification of financial instruments from liability to equity	0767
Transfers among components of equity	0768					744,000				(1,163,000)	419,000
Equity increase or (-) decrease resulting from business
combinations	0769
Share based payments	0770
Other increase or (-) decrease in equity	0771					(105,000)		(68,000)					(173,000)
Of which: discretionary transfer to welfare projects and
funds (savings banks and credit cooperatives)	0772
Closing balance [comparative period]	0773	5,981,000	12,033,000		19,000	6,024,000		(3,178,000)	(9,000)	551,000	419,000	(661,000)	21,179,000

Comments:

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Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2019

IV. SELECTED FINANCIAL INFORMATION

5. INDIVIDUAL STATEMENT OF CASH FLOWS (INDIRECT METHOD) (PREPARED USING PREVAILING NATIONAL ACCOUNTING STANDARDS)

Units: Thousand euros
			CURRENT	PREVIOUS
			PERIOD	PERIOD
			30/06/2020	30/06/2019
A)	CASH FLOWS FROM OPERATING ACTIVITIES (1 + 2 + 3 + 4 + 5)	0800	27,609,000	(2,038,000)
1. Profit or loss for the period	0810	(135,000)	551,000
2. Adjustments to obtain cash flows from operating activities	0820	1,504,000	1,439,000
(+)	Depreciation and amortisation	0821	274,000	267,000
(+/-)	Other adjustments	0822	1,230,000	1,172,000
3. Net increase/(decrease) in operating assets:	0830	(26,699,000)	(12,222,000)
(+/-)	Financial assets held for trading	0831	(1,531,000)	(4,203,000)
(+/-)	Non-trading financial assets mandatorily at fair value through profit or loss	0836	26,000	116,000
(+/-)	Financial assets designated at fair value through profit or loss	0832
(+/-)	Financial assets at fair value through other comprehensive income	0833	(2,834,000)	2,087,000
(+/-)	Financial assets at amortised cost	0834	(23,965,000)	(8,197,000)
(+/-)	Other operating assets	0835	1,605,000	(2,025,000)
4. Net increase/(decrease) in operating liabilities:	0840	52,798,000	8,068,000
(+/-)	Financial liabilities held for trading	0841	1,040,000	3,703,000
(+/-)	Financial liabilities designated at fair value through profit or loss	0842
(+/-)	Financial liabilities at amortised cost	0843	51,821,000	2,966,000
(+/-)	Other operating liabilities	0844	(63,000)	1,399,000
5.	Income tax recovered/(paid)	0850	141,000	126,000
B)	CASH FLOWS FROM INVESTING ACTIVITIES (1 + 2)	0860	(200,000)	(114,000)
1.	Payments	0870	(256,000)	(169,000)
(-)	Tangible assets	0871	(180,000)	(222,000)
(-)	Intangible assets	0872	(51,000)	(35,000)
(-)	Investments in subsidiaries, joint ventures and associates	0873	(19,000)	(4,000)
(-)	Other business units	0874		102,000
(-)	Non-current assets and liabilities classified as held for sale	0875	(6,000)	(10,000)
(-)	Other payments related to investing activities	0877
2.	Proceeds:	0880	56,000	55,000
(+)	Tangible assets	0881	15,000	37,000
(+)	Intangible assets	0882
(+)	Investments in subsidiaries, joint ventures and associates	0883	2,000
(+)	Other business units	0884
(+)	Non-current assets and liabilities classified as held for sale	0885	39,000	18,000
(+)	Other proceeds related to investing activities	0887
C)	CASH FLOWS FROM FINANCING ACTIVITIES (1 + 2)	0890	(1,340,000)	608,000
1.	Payments	0900	(2,346,000)	(3,280,000)
(-)	Dividends	0901	(418,000)	(598,000)
(-)	Subordinated liabilities	0902
(-)	Redemption of own equity instruments	0903
(-)	Acquisition of own equity instruments	0904	(8,000)	(6,000)
(-)	Other payments related to financing activities	0905	(1,920,000)	(2,676,000)
2.	Proceeds:	0910	1,006,000	3,888,000
(+)	Subordinated liabilities	0911
(+)	Issuance of own equity instruments	0912
(+)	Disposal of own equity instruments	0913	6,000	6,000
(+)	Other proceeds related to financing activities	0914	1,000,000	3,882,000
D)	EFFECT OF FOREIGN EXCHANGE RATE CHANGES	0920
E)	NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS (A + B + C + D)	0930	26,069,000	(1,544,000)
F)	CASH AND CASH EQUIVALENTS AT THE BEGINNING OF THE PERIOD	0940	13,898,000	16,439,000
G)	CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD (E + F)	0950	39,967,000	14,895,000
			CURRENT	PREVIOUS
	COMPONENTS OF CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD		PERIOD	PERIOD
			30/06/2020	30/06/2019
(+)	Cash	0955	2,025,000	1,970,000
(+)	Cash equivalent balances at central banks	0960	37,867,000	12,374,000
(+)	Other financial assets	0965	75,000	551,000
(-)	Less: Bank overdrafts repayable on demand	0970
	TOTAL CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD	0980	39,967,000	14,895,000

Comments:

E- 11

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2019

IV. SELECTED FINANCIAL INFORMATION

6. CONSOLIDATED BALANCE SHEET (ADOPTED IFRS) (1/3)

Units: Thousand euros
		CURRENT	PREVIOUS
ASSETS		PERIOD	PERIOD
		30/06/2020	31/12/2019
1. Cash on hand, cash balances at central banks and other demand deposits	1040	44,304,000	15,110,000
2. Total Financial assets	1041	299,219,000	273,110,000
a) Financial assets held for trading	1045	7,774,000	7,370,000
Token entry: loans or provided as collateral with right of sale or pledge	1046	426,000	165,000
b) Financial assets not designated for trading compulsory measured at fair value through profit or loss	1050	381,000	427,000
Token entry: loaned or provided as collateral with right of sale or pledge	1051
c) Financial Asset designated at fair value through profit or loss	1055	1,000
Token entry: loaned or provided as collateral with right of sale or pledge	1056
d) Financial assets at fair value with changes in other incomprehensive income	1060	20,745,000	18,371,000
Token entry: loaned or provided as collateral with right of sale or pledge	1061	3,893,000	2,544,000
e) Financial assets at amortised cost	1065	269,430,000	244,702,000
Token entry: loaned or provided as collateral with right of sale or pledge	1066	98,600,000	93,053,000
f) Derivatives - Hedge accountings	1070	392,000	2,133,000
g) Fair value changes of the hedged items in portfolio hedge of interest rate risk	1075	497,000	106,000
2. Investments in joint ventures and associates	1080	3,928,000	3,941,000
a) Jointly-controlled entities	1091	172,000	166,000
b) Associates	1092	3,756,000	3,775,000
3. Insurance and reinsurance assets	1095	72,700,000	72,683,000
4. Tangible assets	1100	7,229,000	7,282,000
a) Property, plant and equipment	1101	4,992,000	4,915,000
i) For own use	1102	4,992,000	4,915,000
ii) Leased out under an operating lease	1103
iii) Assigned to welfare projects (savings banks and credit cooperatives)	1104
b) Investment property	1105	2,237,000	2,367,000
Of which: leased out under an operating lease	1106
Token entry: acquired under finance lease	1107	1,496,000	1,495,000
5. Intangible assets	1110	3,883,000	3,839,000
a) Goodwill	1111	3,051,000	3,051,000
b) Other intangible assets	1112	832,000	788,000
6. Tax assets	1120	10,399,000	11,113,000
a) Current tax assets	1121	566,000	1,277,000
b) Deferred tax assets	1122	9,833,000	9,836,000
7. Other assets	1130	2,653,000	2,982,000
a) Insurance contracts linked to pensions	1131
b) Inventories	1132	93,000	54,000
c) Other assets	1133	2,560,000	2,928,000
8.Non-current assets and disposal groups classified as held for sale	1140	1,257,000	1,354,000
TOTAL ASSETS	1150	445,572,000	391,414,000

Comments:

E- 12

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2019

IV. SELECTED FINANCIAL INFORMATION

6. CONSOLIDATED BALANCE SHEET (ADOPTED IFRS) (2/3)

Units: Thousand euros
			CURRENT	CURRENT
	EQUITY AND LIABILITIES		PERIOD	PERIOD
			31/12/2019	31/12/2019
1. Financial liabilities held for trading	1160	2,191,000	2,338,000
2. Financial liabilities designated at fair value through profit or loss	1170		1,000
Token entry: subordinate liabilities	1175
3. Financial liabilities measured at amortised cost	1180	339,710,000	283,975,000
Token entry: subordinate liabilities	1185	5,451,000	5,461,000
4. Derivatives - hedge accounting	1190	178,000	515,000
5. Fair value changes of the hedged items in portfolio hedge of interest rate risk	1200	1,701,000	1,474,000
6. Insurance and reinsurance liabilities	1205	70,769,000	70,807,000
7. Provisions	1210	3,356,000	3,624,000
a) Pensions and other post-employment defined benefit obligations	1211	521,000	521,000
b) Other long-term employee benefits	1212	1,554,000	1,710,000
c)	Pending legal issues and tax litigation	1213	635,000	676,000
d) Commitments and guarantees given	1214	205,000	220,000
e) Other provisions	1215	441,000	497,000
8. Tax liabilities	1220	1,300,000	1,296,000
a)	Current tax liabilities	1221	305,000	238,000
b)	Deferred tax liabilities	1223	995,000	1,058,000
9. Share capital repayable on demand	1230
10. Other liabilities	1240	1,960,000	2,162,000
Of which: fund for welfare projects (savings banks and credit cooperatives)	1241
11. Liabilities included in disposal groups classified as held for sale	1250	14,000	71,000
TOTAL LIABILITIES	1260	421,179,000	366,263,000
Comments:

E- 13

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2019

IV. SELECTED FINANCIAL INFORMATION

6. CONSOLIDATED BALANCE SHEET (ADOPTED IFRS) (3/3)

Units: Thousand euros
		CURRENT	CURRENT
EQUITY AND LIABILITIES (continuation)		PERIOD	PERIOD
		31/12/2019	31/12/2019
CAPITAL AND RESERVES	1270	25,996,000	26,247,000
1. Capital	1280	5,981,000	5,981,000
a) Paid up capital	1281	5,981,000	5,981,000
b) Unpaid capital which has been called up	1282
Token entry: uncalled capital	1283
2. Share premium	1290	12,033,000	12,033,000
3. Equity instruments issued other than capital	1300
a) Equity component of compound financial instruments	1301
b) Other equity instruments issued	1302
4. Other equity	1310	24,000	24,000
5. Retained earnings	1320	8,688,000	7,795,000
6. Revaluation reserves	1330
7. Other reserves	1340	(923,000)	(1,281,000)
8. (-) Treasury shares	1350	(12,000)	(10,000)
9. Profit or loss attributable to owners of the parent	1360	205,000	1,705,000
10. (-) Interim dividends	1370
ACCUMULATED OTHER COMPREHENSIVE INCOME	1380	(1,628,000)	(1,125,000)
1. Items that will not be reclassified to profit or loss	1390	(2,019,000)	(1,568,000)
a) Actuarial gains or (-) losses on defined benefit pension plans	1391	(499,000)	(474,000)
b) Non-current assets and disposal groups classified as held for sale	1392
c) Share of other recognised income and expense of investments in joint ventures and associates	1393	(56,000)	(83,000)
d) Fair value changes of equity instruments measured at fair value through other comprehensive income	1394	(1,464,000)	(1,011,000)
e) Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other	1395
comprehensive income
i) Fair value changes of equity instruments measured at fair value through other comprehensive income [hedged	1396		(58,000)
item]
ii) Fair value changes of equity instruments measured at fair value through other comprehensive income [hedging	1397		58,000
instrument]
f) Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit	1398
risk
2. Items that may be reclassified to profit or loss	1400	391,000	443,000
a) Hedge of net investments in foreign operations (effective portion)	1401
b) Foreign currency translation	1402	(10,000)	4,000
c) Hedging derivatives. Cash flow hedges (effective portion)	1403	109,000	(34,000)
d) Fair value changes of debt instruments measured at fair value through other comprehensive income	1404	372,000	486,000
e) Hedging instruments [not designated elements]	1405
g) Non-current assets and disposal groups classified as held for sale	1407
h) Share of other recognised income and expense of investments in joint ventures and associates	1408	(80,000)	(13,000)
MINORITY INTEREST [Non-controlling interests]	1410	25,000	29,000
1. Accumulated other comprehensive income	1420
2. Other items	1430	25,000	29,000
TOTAL EQUITY	1450	24,393,000	25,151,000
TOTAL EQUITY AND LIABILITIES	1460	445,572,000	391,414,000

E- 14

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2019

IV. SELECTED FINANCIAL INFORMATION

6. CONSOLIDATED BALANCE SHEET (ADOPTED IFRS) (3/3)

Units: Thousand euros

TOKEN ENTRY: OFF-BALANCE-SHEET EXPOSURE

1. Loan commitments given	1470	76,227,000	71,132,000
2. Guarantees given	1490	6,287,000	5,982,000
3. Contingent commitments given	1480	19,468,000	21,226,000

Comments:

E- 15

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.es

CAIXABANK, S.A. 1er SEMESTRE 2019

IV. SELECTED FINANCIAL INFORMATION

7. CONSOLIDATED PROFIT AND LOSS ACCOUNT (ADOPTED IFRS)

Units: Thousand euros
				PRESENT CURR.	PREVIOUS CURR.	CURRENT	PREVIOUS
				PERIOD	PERIOD	CUMULATIVE	CUMULATIVE
				(2nd HALF YEAR)	(2nd HALF YEAR)	30/06/2020	30/06/2019
(+)	Interest income		1501			3,338,000	3,525,000
	a) Financial assets at fair value with changes in other incomprehensive				945,000	982,000
	income		1591
	b) Financial assets at amortised cost		1592			2,380,000	2,478,000
	c) Others		1593			13,000	65,000
(-)	Interest expense		1502			(913,000)	(1,047,000)
(-)	Expenses on share capital repayable on demand	1503
=	A) NET INTEREST INCOME		1505			2,425,000	2,478,000
(+)	Dividend income		1506			94,000	161,000
(+/-)	Profit (loss) of equity-accounted investees		1507			97,000	209,000
(+)	Fee and commission income		1508			1,436,000	1,418,000
(-)	Fee and commission expense		1509			(170,000)	(170,000)
	Gains or losses on derecognition of financial assets and liabilities not				179,000	214,000
(+/-)	measured at fair value through profit or loss, net	1510
	a) Financial assets at amortised cost		1594			114,000
	b) Other assets and liabilities		1595			65,000	214,000
(+/-)	Gains or losses on financial assets and liabilities held for trading, net	1511			38,000	93,000
	a) reclassification of financial assets from fair value with changes in
	other comprehensive income		1596
	b) reclassification of financial assets from amortised cost	1597
	c) Other gains or (-) losses		1598			38,000	93,000
	Gains or (-) losses on financial assets	not designated for trading				(26,000)	(33,000)
(+/-)	compulsory measured at fair value through profit or loss, net	1519
	a) reclassification of financial assets from fair value with changes in
	other incomprehensive income		1599
	b) reclassification of financial assets from amortised cost	1581
	c) Other gains or (-) losses		1582			(26,000)	(33,000)
	Gains or (-) losses on financial assets and liabilities designated at fair
	value through profit or loss, net		1512
(+/-)	Gains or losses from hedge accounting, net	1513			(10,000)	49,000
(+/-)	Exchange differences, net		1514			(39,000)	(62,000)
	Gains or (-) losses on derecognition of non-financial assets, net	1546			4,000	19,000
(+)	Other operating income		1515			252,000	295,000
(-)	Other operating expenses		1516			(451,000)	(471,000)
(+)	Income from insurance and reinsurance assets	1517			717,000	551,000
(-)	Expenses of insurance and reinsurance liabilities	1518			(425,000)	(287,000)
(-)	Administrative expenses:		1521			(2,073,000)	(3,126,000)
(-)	a) Staff expenses		1522			(1,454,000)	(2,501,000)
(-)	b) Other administrative expenses		1523			(619,000)	(625,000)
(-)	Depreciation		1524			(272,000)	(260,000)
(+/-)	Provisions or reversal of provisions		1525			(154,000)	(45,000)
	Impairment or reversal of impairment	of non-financial assets not				(1,365,000)	(250,000)
(+/-)	measured at fair value through profit or loss	1526
(+/-)	a) Financial assets at fair value through other comprehensive income	1527			1,000	1,000
(+/-)	b) Financial assets at amortised cost		1528			(1,366,000)	(251,000)
=	C) NET OPERATING INCOME		1540			257,000	783,000

E- 16

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.es

CAIXABANK, S.A. 1er SEMESTRE 2019

IV. SELECTED FINANCIAL INFORMATION

7. CONSOLIDATED PROFIT AND LOSS ACCOUNT (ADOPTED IFRS)

Units: Thousand euros
					PRESENT CURR.	PREVIOUS CURR.		CURRENT	PREVIOUS
					PERIOD	PERIOD		CUMULATIVE	CUMULATIVE
					(2nd HALF YEAR)	(2nd HALF YEAR)		30/06/2020	30/06/2019
		Impairment or reversal of impairment of investments in joint ventures						1,000
(+/-)	and associates	1541
(+/-)	Impairment or reversal of impairment on non-financial assets	1542			(15,000)	(10,000)
(+/-)	a) Property, plant and equipment	1543			(15,000)	(10,000)
(+/-)	b) Intangible assets	1544					1,000
(+/-)	c) Other	1545					(1,000)
(+)	Negative goodwill recognised in profit or loss	1547
		Profit or loss from non-current assets and disposal groups classified as				(38,000)	(48,000)
(+/-)	held for sale not qualifying as discontinued operations	1548
		D)	PROFIT OR LOSS BEFORE TAX FROM CONTINUING				204,000	726,000
	=	OPERATIONS	1550
		Tax	expense or income related to profit or loss from continuing				(1,000)	(104,000)
(+/-)	operations	1551
	=	E)	PROFIT OR LOSS AFTER TAX FROM CONTINUING OPERATIONS	1560			203,000	622,000
(+/-)	Profit or loss after tax from discontinued operations	1561					1,000
	=	PROFIT OR LOSS FOR THE PERIOD	1570			203,000	623,000
		Attributable to minority interest [non-controlling interests]	1571			(2,000)	1,000
		Attributable to owners of the parent	1572			205,000	622,000
					Amount (X.XX	Amount (X.XX		Amount (X.XX	Amount (X.XX
			EARNINGS PER SHARE		euros)	euros)		euros)	euros)
		Basic	1580				0.02	0.09
		Diluted	1590				0.02	0.09

E- 17

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2019

IV. SELECTED FINANCIAL INFORMATION

8. CONSOLIDATED STATEMENT OF RECOGNISED INCOME AND EXPENSE (ADOPTED IFRS)

Units: Thousand euros
				PRESENT CURR.	PREVIOUS CURR.	CURRENT PERIOD	PREVIOUS PERIOD
				PERIOD	PERIOD
				(2nd HALF YEAR)	(2nd HALF YEAR)	30/06/2020	30/06/2019
A) PROFIT OR LOSS FOR THE PERIOD	1600			203,000	623,000
B) OTHER COMPREHENSIVE INCOME	1610			(503,000)	116,000
1.	Items that will not be reclassified to profit or loss	1620			(451,000)	(17,000)
	a) Actuarial gains or (-) losses on defined benefit pension plans	1621			(33,000)	(146,000)
	b) Non-current assets and disposal groups held for sale	1622
	c) Share of other recognised income and expense of investments in joint				27,000	(4,000)
	ventures and associates	1623
	d) Fair value changes of equity instruments measured at fair value				(453,000)	81,000
	through other comprehensive income	1625
	e) Hedge ineffectiveness of fair value hedges for equity instruments
	measured at fair value through other comprehensive income	1626
		Fair value changes of equity instruments measured at fair value				58,000	(3,000)
		through other comprehensive income [hedged item]	1627
		Fair value changes of equity instruments measured at fair value				(58,000)	3,000
		through other comprehensive income [hedging instrument]	1628
	f) Fair value changes of financial liabilities at fair value through profit or
	loss attributable to changes in their credit risk	1629
	g) Income tax relating to items that will not be reclassified	1624			8,000	52,000
2.	Items that may be reclassified to profit or loss	1630			(52,000)	133,000
	a) Hedge of net investments in foreign operations [effective portion]	1635
	- Valuation gains or losses taken to equity	1636
	-	Transferred to profit or loss	1637
	-	Other reclassifications	1638
	b) Foreign currency translation	1640			(14,000)	(1,000)
	- Translation gains or losses taken to equity	1641			(14,000)	(1,000)
	-	Transferred to profit or loss	1642
	-	Other reclassifications	1643
	c) Cash flow hedges [effective portion]	1645			203,000	(42,000)
	- Valuation gains or losses taken to equity	1646			199,000	(4,000)
	- Transferred to profit or loss	1647			4,000	(38,000)
	- Transferred to initial carrying amount of hedged items	1648
	-	Other reclassifications	1649
	d) Hedging instruments [not designated elements]	1631
	- Valuation gains or losses taken to equity	1632
	-	Transferred to profit or loss	1633
	-	Other reclassifications	1634
	e) Debt instruments at fair value through other comprehensive income	1650			(137,000)	272,000
	- Valuation gains or losses taken to equity	1651			(79,000)	454,000
	- Transferred to profit or loss	1652			(58,000)	(182,000)
	-	Other reclassifications	1653
	f) 'Non-current assets and disposal groups held for sale	1655
	- Valuation gains or losses taken to equity	1656
	-	Transferred to profit or loss	1657
	-	Other reclassifications	1658
	g) Share of other recognised income and expense of investments in joint				(67,000)	37,000
	ventures and associates	1659
	h) Income tax relating to items that may be reclassified to profit or loss	1660			(37,000)	(133,000)
C) TOTAL COMPREHENSIVE INCOME FOR THE PERIOD	1670			(300,000)	739,000
	Attributable to minority interest [non-controlling interests]	1680			(2,000)	1,000
	Attributable to owners of the parent	1690			(298,000)	738,000

Comments:

E- 18

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2019

IV. SELECTED FINANCIAL INFORMATION

9. CONSOLIDATED STATEMENT OF CHANGES IN EQUITY (ADOPTED IFRS) (1/2)

Units: Thousand euros
										Profit or loss			Non-controlling interests
										for the
CURRENT PERIOD				Equity						period -		Accumulated	Accumulated
			instruments						Attributable		other	other
			Share	issued other	Other	Retained	Revaluation	Other	(-) Treasury	to owners of	(-) Interim	comprehensive	comprehensive
		Capital	premium	than capital	equity	earnings	reserves	reserves	shares	the parent	dividends	income	income	Other items	Total
Opening balance [before restatement]	1700	5,981,000	12,033,000	24,000		7,795,000		(1,281,000)	(10,000)	1,705,000		(1,125,000)		29,000	25,151,000
Effects of corrections of errors	1701
Effects of changes in accounting policies	1702
Opening balance [current period]	1710	5,981,000	12,033,000	24,000		7,795,000		(1,281,000)	(10,000)	1,705,000		(1,125,000)		29,000	25,151,000
Total comprehensive income for the period	1720									205,000		(503,000)		(2,000)
Other changes in equity	1730														)
Issuance of ordinary shares	1731
Issuance of preference shares	1732
Issuance of other equity instruments	1733
Exercise or expiration of other equity instruments issued	1734
Conversion of debt to equity	1735
Capital reduction	1736
Dividends (or remuneration to shareholders)	1737					(418,000)								(2,000)	(420,000)
Purchase of treasury shares	1738								(8,000)						(8,000)
Sale or cancellation of treasury shares	1739								6,000						6,000
Reclassification of financial instruments from equity to
liability	1740
Reclassification of financial instruments from liability to
equity	1741
Transfers among components of equity	1742					1,705,000				(1,705,000)
Equity increase or (-) decrease resulting from business
combinations	1743
Share based payments	1744
Other increase or (-) decrease in equity	1745														(36,000)
Of which: discretionary transfer to welfare projects and
funds (savings banks and credit cooperatives)	1746
Closing balance [current period]	1750	12,033,000	12,033,000	24,000		8,688,000		(923,000)	(12,000)	205,000		(1,628,000)		25,000	24,393,000

Comments:

E- 19

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2019

IV. SELECTED FINANCIAL INFORMATION

9. CONSOLIDATED STATEMENT OF CHANGES IN EQUITY (ADOPTED IFRS) (2/2)

Units: Thousand euros
										Profit or loss			Non-controlling interests
										for the
PREVIOUS PERIOD				Equity						period -		Accumulated	Accumulated
			instruments						Attributable		other	other
			Share	issued other	Other	Retained	Revaluation	Other	(-) Treasury	to owners of	(-) Interim	comprehensive	comprehensive
		Capital	premium	than capital	equity	earnings	reserves	reserves	shares	the parent	dividends	income	income	Other items	Total
Opening balance [before restatement]	1751	5,981,000	12,033,000		19,000	7,300,000		(1,505,000)	(10,000)	1,985,000	(419,000)	(1,049,000)		29,000	24,364,000
Effects of corrections of errors	1752
Effects of changes in accounting policies	1753
Opening balance [current period]	1754	5,981,000	12,033,000		19,000	7,300,000		(1,505,000)	(10,000)	1,985,000	(419,000)	(1,049,000)		29,000	24,364,000
Total comprehensive income for the period	1755									622,000		116,000		1,000	739,000
Other changes in equity	1756					484,000		(295,000)	(1,000)	(1,985,000)	419,000	0		(2,000)	(790,000)
Issuance of ordinary shares	1757
Issuance of preference shares	1758
Issuance of other equity instruments	1759
Exercise or expiration of other equity instruments issued	1760
Conversion of debt to equity	1761
Capital reduction	1762
Dividends (or remuneration to shareholders)	1763					(598,000)								(2,000)	(600,000)
Purchase of treasury shares	1764								(8,000)						(8,000)
Sale or cancellation of treasury shares	1765								7,000						7,000
Reclassification of financial instruments from equity to
liability	1766
Reclassification of financial instruments from liability to
equity	1767
Transfers among components of equity	1768					1,185,000		381,000		(1,985,000)	419,000
Equity increase or (-) decrease resulting from business
combinations	1769
Share based payments	1770
Other increase or (-) decrease in equity	1771					(103,000)		(86,000)							(189,000)
Of which: discretionary transfer to welfare projects and
funds (savings banks and credit cooperatives)	1772
Closing balance [current period]	1773	5,981,000	12,033,000		19,000	7,784,000		(1,210,000)	(11,000)	622,000		(933,000)		28,000	24,313,000

Comments:

E- 20

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

10. A. CONSOLIDATED STATEMENT OF CASH FLOWS (INDIRECT METHOD) (ADOPTED IFRS)

Units: Thousand euros
				CURRENT	PREVIOUS
				PERIOD	PERIOD
				30/06/2020	30/06/2019
	A)	CASH FLOWS FROM OPERATING ACTIVITIES (1 + 2 + 3 + 4 + 5)	1800	32,163,000	(3,656,000)
	1. Profit or loss for the period	1810	203,000	623,000
	2. Adjustments to obtain cash flows from operating activities	1820	2,090,000	2,259,000
	(+)	Depreciation and amortisation	1821	272,000	260,000
	(+/-)	Other adjustments	1822	1,818,000	1,999,000
	3. Net increase/(decrease) in operating assets:	1830	(27,190,000)	(14,150,000)
	(+/-)	Financial assets held for trading	1831	(404,000)	(2,996,000)
	(+/-)	Non-trading financial assets mandatorily at fair value through profit or loss	1832	46,000	131,000
	(+/-)	Financial assets designated at fair value through profit or loss	1836
	(+/-)	Financial assets at fair value through other comprehensive income	1833	(2,898,000)	2,010,000
	(+/-)	Financial assets at amortised cost	1834	(26,166,000)	(9,299,000)
	(+/-)	Other operating assets	1835	2,232,000	(3,996,000)
	4. Net increase/(decrease) in operating liabilities:	1840	56,862,000	7,492,000
	(+/-)	Financial liabilities held for trading	1841	(147,000)	2,499,000
	(+/-)	Financial liabilities designated at fair value through profit or loss	1842
	(+/-)	Financial liabilities at amortised cost	1843	58,117,000	3,510,000
	(+/-)	Other operating liabilities	1844	(1,108,000)	1,483,000
	5.	Income tax recovered/(paid)	1850	198,000	120,000
	B)	CASH FLOWS FROM INVESTING ACTIVITIES (1 + 2)	1860	(108,000)	(67,000)
	1.	Payments	1870	(382,000)	(371,000)
	(-)	Tangible assets	1871	(221,000)	(256,000)
	(-)	Intangible assets	1872	(123,000)	(77,000)
	(-)	Investments in joint ventures and associates	1873		(4,000)
	(-)	Investments in subsidiaries and other business units	1874
	(-)	Non-current assets and liabilities classified as held for sale	1875	(38,000)	(34,000)
	(-)	Other payments related to investing activities	1877
	2.	Proceeds:	1880	274,000	304,000
	(+)	Tangible assets	1881	98,000	151,000
	(+)	Intangible assets	1882	27,000	10,000
	(+)	Investments in joint ventures and associates	1883
	(+)	Investments in subsidiaries and other business units	1884
	(+)	Non-current assets and liabilities classified as held for sale	1885	149,000	143,000
	(+)	Other proceeds related to investing activities	1887
	C)	CASH FLOWS FROM FINANCING ACTIVITIES (1 + 2)	1890	(2,861,000)	1,632,000
	1.	Payments	1900	(3,867,000)	(2,757,000)
	(-)	Dividends	1901	(418,000)	(600,000)
	(-)	Subordinated liabilities	1902
	(-)	Redemption of own equity instruments	1903
	(-)	Acquisition of own equity instruments	1904	(8,000)	(8,000)
	(-)	Other payments related to financing activities	1905	(3,441,000)	(2,149,000)
	2.	Proceeds:	1910	1,006,000	4,389,000
	(+)	Subordinated liabilities	1911
	(+)	Issuance of own equity instruments	1912
	(+)	Disposal of own equity instruments	1913	6,000	7,000
	(+)	Other proceeds related to financing activities	1914	1,000,000	4,382,000
	D)	EFFECT OF FOREIGN EXCHANGE RATE CHANGES	1920
	E)	NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS (A + B + C + D)	1930	29,194,000	(2,091,000)
	F)	CASH AND CASH EQUIVALENTS AT THE BEGINNING OF THE PERIOD	1940	15,110,000	19,158,000
	G)	CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD (E + F)	1950	44,304,000	17,067,000
				CURRENT	PREVIOUS
		COMPONENTS OF CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD		PERIOD	PERIOD
				30/06/2020	30/06/2019
(+)	Cash	1955	2,253,000	2,201,000
(+)	Cash equivalent balances at central banks	1960	41,673,000	13,918,000
(+)	Other financial assets	1965	378,000	948,000
(-)	Less: Bank overdrafts repayable on demand	1970
		TOTAL CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD	1980	44,304,000	17,067,000
		Of which: in power of group entities but not available for the group	1990

Comments:

E- 21

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

10. B. CONSOLIDATED STATEMENT OF CASH FLOWS (DIRECT METHOD) (ADOPTED IFRS)

Units: Thousand euros
			CURRENT	PREVIOUS
			PERIOD	PERIOD
			30/06/2020	30/06/2019
A)	CASH FLOWS FROM OPERATING ACTIVITIES	2000
(+/-)	Proceeds/(Payments) on operating assets	2001
(+/-)	Proceeds/(Payments) on operating liabilities	2002
(+/-)	Income tax recovered/(paid)	2003
(+/-)	Other proceeds/(payments) from operating activities	2004
B)	CASH FLOWS FROM INVESTING ACTIVITIES (1 + 2)	2010
1.	Payments	2020
(-)	Tangible assets	2021
(-)	Intangible assets	2022
(-)	Investments in joint ventures and associates	2023
(-)	Subsidiaries and other business units	2024
(-)	Non-current assets and liabilities classified as held for sale	2025
(-)	Held-to-maturity investments	2026
(-)	Other payments related to investing activities	2027
2.	Proceeds:	2030
(+)	Tangible assets	2031
(+)	Intangible assets	2032
(+)	Investments in joint ventures and associates	2033
(+)	Subsidiaries and other business units	2034
(+)	Non-current assets and liabilities classified as held for sale	2035
(+)	Held-to-maturity investments	2036
(+)	Other proceeds related to investing activities	2037
C)	CASH FLOWS FROM FINANCING ACTIVITIES (1 + 2)	2040
1.	Payments	2050
(-)	Dividends	2051
(-)	Subordinated liabilities	2052
(-)	Redemption of own equity instruments	2053
(-)	Acquisition of own equity instruments	2054
(-)	Other payments related to financing activities	2055
2.	Proceeds:	2060
(+)	Subordinated liabilities	2061
(+)	Issuance of own equity instruments	2062
(+)	Disposal of own equity instruments	2063
(+)	Other proceeds related to financing activities	2064
D)	EFFECT OF FOREIGN EXCHANGE RATE FLUCTUATIONS ON CASH AND CASH EQUIVALENTS HELD	2070
E)	NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS (A + B + C + D)	2080
F)	CASH AND CASH EQUIVALENTS AT THE BEGINNING OF THE PERIOD	2090
G)	CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD (E + F)	2100
			CURRENT	PREVIOUS
			PERIOD	PERIOD
	COMPONENTS OF CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD		30/06/2020	30/06/2019
(+)	Cash	2110
(+)	Cash equivalent balances at central banks	2115
(+)	Other financial assets	2120
(-)	Less: Bank overdrafts repayable on demand	2125
	TOTAL CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD	2130
	Of which: in power of group entities but not available for the group	2140

E- 22

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

11. DIVIDENDS PAID

		CURRENT PERIOD		PREVIOUS PERIOD
		Euros per share	Amount		Number of	Euros per share	Amount		Number of
		(thousand		shares to be	(thousand		shares to be
		(X.XX)		(X.XX)
		euros)		delivered	euros)		delivered
Ordinary shares	2158	0.07	418,000			0.10	598,000
Other shares (non-voting shares, redeemable shares,	2159
etc.)
Total dividends paid	2160	0.07	418,000			0.10	598,000
a) Dividends charged to profit and loss	2155	0.07	418,000			0.10	598,000
b) Dividends charged to reserves or share premium	2156
c) Dividends in kind	2157
d) Flexible payment	2154

E- 23

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

12. BREAKDOWN OF FINANCIAL INSTRUMENTS BY NATURE AND CATEGORY (1/2)

Units: Thousand euros

					CURRENT PERIOD
			Non-trading financial	Financial assets	Financial assets at fair
		Financial assets held for	assets mandatorily at	Financial assets at
FINANCIAL ASSETS:		designated at fair value	value through other
	trading	fair value through profit	amortised cost
	through profit or loss	comprehensive income
NATURE/CATEGORY
		or loss
Derivatives	2470	14,664,000
Equity instruments	2480	153,000		52,000			1,157,000
Debt securities	2490	954,000					17,542,000	21,386,000
Loans and advances	2500			143,000				224.470.000
Central banks	2501
Credit institutions	2502							6.379.000
Customers	2503			143,000				218.091.000
(INDIVIDUAL) TOTAL	2510	15,771,000		195,000	1,392		18,699,000	245,856,000
Derivatives	2520	6,508,000
Equity instruments	2530	309,000		184,000			1,706,000
Debt securities	2540	957,000		54,000	1,392		19,039,000	26,030,000
Loans and advances	2550			143,000				243.400.000
Central banks	2551							9.000
Credit institutions	2552							7.100.000
Customers	2553			143,000				236.291.000
(CONSOLIDATED) TOTAL	2560	7,774,000		381,000	1,392		20,745,000	269,430,000
					CURRENT PERIOD
FINANCIAL LIABILITIES:		Financial liabilities held for trading	Financial liabilities designated at fair	Financial liabilities at amortised cost
	value through profit or loss
NATURE/CATEGORY
Derivatives	2570		9,719,000
Short positions	2580		602,000
Deposits	2590							272,591,000
Central banks	2591							46,115,000
Credit institutions	2592							5,626,000
Customers	2593							220,850,000
Debt securities issued	2600							31,103,000
Other financial liabilities	2610							8,022,000
(INDIVIDUAL) TOTAL	2620		10,321,000					311,716,000
Derivatives	2630		1,589,000
Short positions	2640		602,000
Deposits	2650							296,513,000
Central banks	2651							50,530,000
Credit institutions	2652							7,309,000
Customers	2653							238,674,000
Debt securities issued	2660							34,291,000
Other financial liabilities	2670							8,906,000
(CONSOLIDATED) TOTAL	2680		2,191,000					339,710,000

E- 24

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

12. BREAKDOWN OF FINANCIAL INSTRUMENTS BY NATURE AND CATEGORY (1/2)

Units: Thousand euros

					PREVIOUS PERIOD
			Non-trading financial	Financial assets	Financial assets at fair
		Financial assets held for	assets mandatorily at	Financial assets at
FINANCIAL ASSETS:		designated at fair value	value through other
	trading	fair value through profit	amortised cost
	through profit or loss	comprehensive income
NATURE/CATEGORY
		or loss
Derivatives	5470	13,165,000
Equity instruments	5480	370,000		55,000			1,729,000
Debt securities	5490	705,000			1,000		14,587,000	13,992,000
Loans and advances	5500			166,000				208.943.000
Central banks	5501
Credit institutions	5502							4.355.000
Customers	5503			166,000				204.588.000
(INDIVIDUAL) TOTAL	5510	14,240,000		221,000	1,000		16,316,000	222,935,000
Derivatives	5520	6,194,000
Equity instruments	5530	457,000		198,000			2,407,000
Debt securities	5540	719,000		63,000			15,964,000	17,389,000
Loans and advances	5550			166,000	1,000		0	227,313,000
Central banks	5551							6.000
Credit institutions	5552							5.153.000
Customers	5553			166,000				222.154.000
(CONSOLIDATED) TOTAL	5560	7,370,000		427,000	1,000		18,371,000	244,702,000
					PREVIOUS PERIOD
FINANCIAL LIABILITIES:		Financial liabilities held for trading	Financial liabilities designated at fair	Financial liabilities at amortised cost
	value through profit or loss
NATURE/CATEGORY
Derivatives	5570		8,810,000
Short positions	5580		471,000
Deposits	5590							222,439,000
Central banks	5591							13,044,000
Credit institutions	5592							4,269,000
Customers	5593							205,099,000
Debt securities issued	5600					1,000		30,332,000
Other financial liabilities	5610							8,104,000
(INDIVIDUAL) TOTAL	5620		9,281,000			1,000		260,875,000
Derivatives	5630		1,867,000
Short positions	5640		471,000
Deposits	5650							241,735,000
Central banks	5651							14,318,000
Credit institutions	5652							6,238,000
Customers	5653							221,079,000
Debt securities issued	5660							33,648,000
Other financial liabilities	5670					1,000		8,592,000
(CONSOLIDATED) TOTAL	5680		2,338,000			1,000		283,975,000

E- 25

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.es

CAIXABANK, S.A. 1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

13. SEGMENT INFORMATION

Units: Thousand euros
		DISTRIBUTION OF INTEREST INCOME BY GEOGRAPHIC AREA
		INDIVIDUAL	CONSOLIDATED
GEOGRAPHIC AREA		CURRENT PERIOD	PREVIOUS PERIOD	CURRENT PERIOD	PREVIOUS PERIOD
Domestic market	2210	1,923,000	2,099,000	3,072,000	3,276,000
International Market:	2215	33,000	18,000	266,000	249,000
a) European Union	2216	30,000	16,000	263,000	247,000
a.1) Euro zone	2217	9,000	3,000	242,000	234,000
a.2.) Non Euro zone	2218	21,000	13,000	21,000	13,000
b) Other	2219	3,000	2,000	3,000	2,000
TOTAL	2220	1,956,000	2,117,000	3,338,000	3,525,000

Comments:

			CONSOLIDATED
		OPERATING INCOME	PROFIT OR LOSS
SEGMENTS
		CURRENT PERIOD	PREVIOUS PERIOD	CURRENT PERIOD	PREVIOUS PERIOD
Banking and Insurance business	2221	5,460,000	5,812,000	106,000	295,000
Investments business	2223	300,000	300,000	54,000	229,000
BPI	2224	351,000	370,000	45,000	98,000
	2225
	2226
	2227
	2228
	2229
	2230
TOTAL of the segments to inform	2235	6,111,000	6,482,000	205,000	622,000

Comments:

E- 26

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

14. AVERAGE WORKFORCE AND NUMBER OF OFFICES

		INDIVIDUAL	CONSOLIDATED
		CURRENT PERIOD	PREVIOUS PERIOD	CURRENT PERIOD	PREVIOUS PERIOD
AVERAGE WORKFORCE	2295	27,500	29,495	35.673	37.510
Men	2296	12,317	13,620	16.225	17.439
Women	2297	15,183	15,875	19.448	20.071
		CURRENT PERIOD	PREVIOUS PERIOD
NUMBER OF OFFICE	2298		4,467		4,923
Spain	2299		4,012		4,430
Foreign	2300		455		493

Comments:

IV. SELECTED FINANCIAL INFORMATION

15. BOARD OF DIRECTORS AND MANAGERS REMUNERATION

MEMBERS OF THE BOARD OF DIRECTORS:		CURRENT PERIOD		PREVIOUS PERIOD
Type of remuneration:		Amount (thousand euros)
Attendance fees	2310		1,672		1,730
Salaries	2311		778		778
Variable remuneration in cash	2312				177
Share based payments	2313				277
Indemnities	2314
long-term savings systems	2315		261		259
Other	2316		561		615
Total	2320		3,272		3,836
		Amount (thousand euros)
DIRECTORS		CURRENT PERIOD		PREVIOUS PERIOD
Total remuneration paid to directors	2325		5,208		6,186

Comments:

The total of remunerations does not include those perceived for representation of the Company in Boards of Directors of listed companies and others with representation out of the consolidated group. This remuneration in the case of Advisers ascends to EUR 121 thousands in 2020 (EUR 101 thousands in 2019) and in the case of Managers ascends to EUR 61 thousands 2020 (EUR 52 thousands in 2019).

E- 27

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

16. RELATED-PARTY TRANSACTIONS (1/2)

Units: Thousand euros
RELATED-PARTY TRANSACTIONS				CURRENT PERIOD
				Group
			Directors and	employees,
		Significant	managing	companies and	Other related
EXPENSES AND REVENUE		shareholders	directors	entities	parties	Total
1) Finance costs	2340
2) Management and cooperation contracts	2341
3) R&D transfers and licence agreements	2342
4) Leases	2343
5) Receipt of services	2344
6) Purchase of goods (finished or in progress)	2345
7) Allowance for bad and doubtful debts	2346
8) Losses on retirement or disposal of assets	2347
9) Other expenses	2348
EXPENSES (1 + 2 + 3 + 4 + 5 + 6 + 7 + 8 + 9)	2350
10) Finance income	2351
11) Management and cooperation contracts	2352
12) R&D transfers and licence agreements	2353
13) Dividends received	2354
14) Leases	2355
15) Provision of services	2356
16) Sale of goods (finished or in progress)	2357
17) Gains on retirement or disposal of assets	2358
18) Other revenue	2359
REVENUE (10 + 11 + 12 + 13 + 14 + 15 + 16 + 17 + 18)	2360
				CURRENT PERIOD
				Group
			Directors and	employees,
		Significant	managing	companies and	Other related
OTHER TRANSACTIONS:		shareholders	directors	entities	parties	Total
Purchase of property, plant and equipment, intangible assets
and other assets	2371
Financing agreements: loans and capital contributions
(lender)	2372
Finance lease arrangements (lessor)	2373
Repayment or cancellation of loans and lease arrangements
(lessor)	2377
Sale of property, plant and equipment, intangible assets and
other assets	2374
Financing agreements: loans and capital contributions
(borrower)	2375
Finance lease arrangements (lessee)	2376
Repayment or cancellation of loans and lease arrangements
(lessee)	2378
Collateral and guarantees given	2381
Collateral and guarantees received	2382
Commitments assumed	2383
Commitment/Guarantees cancelled	2384
Dividends and other earnings distributed	2386
Other transactions	2385

E- 28

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

16. RELATED-PARTY TRANSACTIONS (2/2)

Units: Thousand euros
RELATED-PARTY TRANSACTIONS				PREVIOUS PERIOD
				Group
			Directors and	employees,
		Significant	managing	companies and	Other related
EXPENSES AND REVENUE		shareholders	directors	entities	parties	Total
1) Finance costs	2340
2) Management and cooperation contracts	2341
3) R&D transfers and licence agreements	2342
4) Leases	2343
5) Receipt of services	2344
6) Purchase of goods (finished or in progress)	2345
7) Allowance for bad and doubtful debts	2346
8) Losses on retirement or disposal of assets	2347
9) Other expenses	2348
EXPENSES (1 + 2 + 3 + 4 + 5 + 6 + 7 + 8 + 9)	2350
10) Finance income	2351
11) Management and cooperation contracts	2352
12) R&D transfers and licence agreements	2353
13) Dividends received	2354
14) Leases	2355
15) Provision of services	2356
16) Sale of goods (finished or in progress)	2357
17) Gains on retirement or disposal of assets	2358
18) Other revenue	2359
REVENUE (10 + 11 + 12 + 13 + 14 + 15 + 16 + 17 + 18)	2360
				PREVIOUS PERIOD
				Group
			Directors and	employees,
		Significant	managing	companies and	Other related
OTHER TRANSACTIONS:		shareholders	directors	entities	parties	Total
Purchase of property, plant and equipment, intangible assets
and other assets	2371
Financing agreements: loans and capital contributions
(lender)	2372
Finance lease arrangements (lessor)	2373
Repayment or cancellation of loans and lease arrangements
(lessor)	2377
Sale of property, plant and equipment, intangible assets and
other assets	2374
Financing agreements: loans and capital contributions
(borrower)	2375
Finance lease arrangements (lessee)	2376
Repayment or cancellation of loans and lease arrangements
(lessee)	2378
Collateral and guarantees given	2381
Collateral and guarantees received	2382
Commitments assumed	2383
Commitment/Guarantees cancelled	2384
Dividends and other earnings distributed	2386
Other transactions	2385

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Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.es

CAIXABANK, S.A. 1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

17. SOLVENCY INFORMATION

Units: Percentage
CAPITAL RATIOS		CURRENT	PERIOD	PREVIOUS PERIOD
Eligible Common Equity Tier 1 capital (thousand euros)	7010	18,108,000	17,787,000
Eligible Additional Tier 1 capital (thousand euros)	7020		2,237,000	2,236,000
Eligible Tier 2 capital (thousand euros)	7021		3,196,000	3,224,000
Risks (thousand euros)	7030	147,334,000	147,880,000
Common Equity Tier 1 capital ratio (CET 1)	7110		12.29	12.03
Tier 1 capital ratio (Tier 1)	7150		13.81	13.54
Total capital ratio	7140		15.98	15.72
LEVERAGE		CURRENT	PERIOD	PREVIOUS PERIOD
Tier 1 capital (thousand euros) (a)	7050	20,345,000	20,023,000
Exposure (thousand euros) (b)	7060	399,490,000	341,681,000
Leverage ratio (a)/(b)	7070		5.09	5.86

Comments:

E- 30

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

18. CREDIT QUALITY OF THE PORTFOLIO OF LOANS AND RECEIVABLES

Units: Thousand euros
		CURRENT	PREVIOUS
GROSS AMOUNT		PERIOD	PERIOD
Normal risk	7500	218,748,000	202,924,000
Normal risk under special monitoring	7501	14,328,000	15,541,000
Non-performing risk	7502	8,859,000	8,387,000
Total gross amount	7505	241,935,000	226,852,000
		CURRENT	PREVIOUS
IMPAIRMENT LOSSES		PERIOD	PERIOD
Normal risk	7510	(1,000,000)	(574,000)
Normal risk under special monitoring	7511	(907,000)	(708,000)
Non-performing risk	7512	(3,737,000)	(3,416,000)
Total asset impairment losses	7515	(5,644,000)	(4,698,000)
Impairment loss calculated collectively	7520	(4,565,000)	(3,442,000)
Impairment loss calculated individually	7530	(1,079,000)	(1,257,000)
		CURRENT	PREVIOUS
CARRYING AMOUNT		PERIOD	PERIOD
Normal risk	7540	217,748,000	200,845,000
Normal risk under special monitoring	7541	13,421,000	14,833,000
Non-performing risk	7542	5,122,000	4,971,000
Total carrying amount	7545	236,291,000	220,649,000
		CURRENT	PREVIOUS
GUARANTEES RECEIVED		PERIOD	PERIOD
Value of collateral	7550	344,900,000	345,596,000
Of which: guarantees risks under special monitoring	7551
Of which: guarantees non-performing risk	7552	13,275,000	12,630,000
Value of other guarantees	7554
Of which: guarantees risks under special monitoring	7555
Of which: guarantees non-performing risk	7556
Total value of guarantees received	7558	344,900,000	345,596,000
		CURRENT	PREVIOUS
FINANCIAL GUARANTEES GIVEN		PERIOD	PERIOD
Loan commitments given	7560	76,227,000	71,132,000
Of which: classified as normal under special monitoring	7561	2,031,000	2,216,000
Of which: classified as non-performing risk	7562	280,000	214,000
Amount recognised under liabilities in Balance Sheet	7563	74,000	62,000
Financial guarantees given	7565	6,287,000	5,982,000
Of which: classified as normal under special monitoring	7566	219,000	190,000
Of which: classified as non-performing risk	7567	172,000	218,000
Amount recognised under liabilities in Balance Sheet	7568	64,000	88,000
Other commitments given	7570	19,468,000	21,226,000
Of which: classified as normal under special monitoring	7571	467,000	473,000
Of which: classified as non-performing risk	7572	175,000	176,000
Amount recognised under liabilities in Balance Sheet	7573	67,000	70,000

Comments:

E- 31

Dirección General de Mercados Edison, 4, 28006 Madrid, España ([phone], www.cnmv.esCAIXABANK, S.A.

1er SEMESTRE 2020

IV. SELECTED FINANCIAL INFORMATION

19. REAL ESTATE EXPOSURE

Units: Thousand euros
		CURRENT	PREVIOUS
GROSS AMOUNT		PERIOD	PERIOD
Financing for real estate construction and development (including land)	9000	5,816,000	5,776,000
Of which: non-performing risks	9001	439,000	442,000
		CURRENT	PREVIOUS
IMPAIRMENT LOSSES		PERIOD	PERIOD
Financing for real estate construction and development (including land)	9015	(227,000)	(208,000)
Of which: non-performing risks	9016	(132,000)	(135,000)
		CURRENT	PREVIOUS
CARRYING AMOUNT		PERIOD	PERIOD
Total carrying amount of financing for real estate construction and development (including land)	9025	5,589,000	5,558,000
Of which: non-performing risks	9026	307,000	307,000
Total carrying amount of financing granted to customers in Spain	9030	197,999,000	186,645,000
		CURRENT	PREVIOUS
GUARANTEES RECEIVED		PERIOD	PERIOD
Value of collateral	9050	13,288,000	13,362,000
Of which: guarantees non-performing risks	9053	839,000	810,000
Value of other guarantees	9054
Of which: guarantees non-performing risks	9057
Total value of guarantees received	9058	13,288,000	13,362,000
		CURRENT	PREVIOUS
FINANCIAL GUARANTEES		PERIOD	PERIOD
Financial guarantees given relating to real estate construction and development	9060	92,000	107,000
Amount recognised under liabilities	9061
Foreclosed assets and assets received as payment for debts - Spain
		CURRENT	PREVIOUS
GROSS AMOUNT		PERIOD	PERIOD
Foreclosed property and property received as payment for debts	9070	4,199,000	4,318,000
Of which: land	9071	109,000	109,000
instrumentos de capital adjudicado o recibidos en pago de deudas, participaciones en el capital y
financiaciones a entidades tenedoras de activos inmobiliarios adjudicados o recibidos en pago de deudas	9072
Total gross amount	9075	4,199,000	4,318,000
		CURRENT	PREVIOUS
Asset impairment losses		PERIOD	PERIOD
Foreclosed property and property received as payment for debts	9080	(1.129,000)	(1.123,000)
Of which: land	9081	(47,000)	(46,000)
Investments in real estate entities	9082
Total asset impairment losses	9085	(1.129,000)	(1,123,000)
		CURRENT	PREVIOUS
CARRYING AMOUNT		PERIOD	PERIOD
Foreclosed property and property received as payment for debts	9090	3,070,000	3,195,000
Of which: land	9091	62,000	63,000
Investments in real estate entities	9092
Total carrying amount	9095	3,070,000	3,195,000

Comments:

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