Bankia gana 816 millones de euros en 2017, un 1,4% más (Expansión)

El beneficio sería de 505 millones, un 37% menos, asumiendo la aportación de un mes de resultados de BMN y costes atípicos por la fusión de 312 millones. El grupo empeora su eficiencia y su rentabilidad se estanca.

Bankia ganó 816 millones de euros en 2017, ejercicio en el que materializó la fusión con BMN en diciembre. Supone un aumento de las ganancias del 1,4% en términos homogéneos, sin incluir el impacto de la integración. Asumiendo sus efectos (la aportación de un mes de resultados de BMN y un cargo extraordinario por 312 millones en el cuarto trimestre por costes de integración), el beneficio del grupo se sitúa en 505 millones, un 37,3% menos que en 2016.

“El ejercicio 2017 ha sido muy importante para Bankia porque hemos terminado el plan de reestructuración, hemos ejecutado la fusión con BMN y hemos avanzado en el proceso de privatización. Y al tiempo, hemos conseguido aumentar nuestros beneficios, hasta 816 millones de euros, apoyados en un fuerte dinamismo comercial, en una mayor satisfacción de nuestros clientes y en una mejora constante de la calidad de nuestro balance”, ha indicado el presidente, José Ignacio Goirigolzarri.

Con todo, la debilidad de ingresos continúa siendo el principal hándicap del grupo. El margen de intereses cae un 9,6%, hasta 1.943 millones, por el impacto de los tipos en negativo sobre la cartera hipotecaria y sobre los bonos de Sareb. El descenso del negocio típico es determinante para el descenso del 4,4% del margen bruto, pese al buen comportamiento de las comisiones (suben un 3,2%) y al repunte del 53% del resultado de las operaciones financieras (ROF).

Los costes, por su parte, se mantienen planos, lo que conduce a un empeoramiento de la eficiencia (mejor cuanto más baja). Empeora 2,3 puntos porcentuales, desde el 48,9% al 51,2%, si bien el grupo se beneficiará en los próximos meses de las sinergias de costes de la fusión y de los ahorros por el plan de ajuste que está negociando con los sindicatos. En la actualidad, la entidad, tras integrar BMN, tiene 2.402 oficinas y 17.757 empleados.

El banco también sigue beneficiándose del descenso del 9,4% de las provisiones, hasta 448 millones. Tras la fusión, los saldos dudosos del grupo han aumentado un 5,6%, hasta 12.117 millones. La mora está en el 8,9%, con una cobertura del 50,8%, cuatro puntos inferior a la de hace un año.

Capital y rentabilidad
Bankia, por otra parte, que ha absorbido BMN con el exceso de fondos propios que mantenía, ha situado ahora su capital de máxima calidad con plena implantación de Basilea III (CET1 fully loaded) en el 12,33%. Está por encima de su nivel objetivo (12%) y también es superior a lo previsto antes de cerrar la fusión.

La rentabilidad sobre fondos propios (ROE), que en ejercicios pasados llegó a superar el 10%, se encuentra ahora en el 6,7%.

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