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Financial data
Relevant data of the BBVA Group (consolidated figures). This section contains all the updated quarterly figures on the balance sheet and income statement, and other relevant data.]
Balance sheet
| Balance sheet (million euros) | 30-09-25 | ^% | 30-09-24 | 31-12-24 |
|---|---|---|---|---|
| Total assets | 813,063 | 5.7 | 769,341 | 772,402 |
| Loans and advances to customers (gross) | 447,901 | 12.6 | 397,891 | 424,087 |
| Deposits from customers | 471,364 | 7.7 | 437,834 | 447,646 |
| Total customer funds | 687,781 | 10.7 | 621,047 | 640,250 |
| Total equity | 61,809 | 8.9 | 56,772 | 60,014 |
Income statement
| Income statement (millions of euros) | 30-09-25 | ^% | 30-09-24 | 31-12-24 |
|---|---|---|---|---|
| Net interest income | 19,246 | 2.0 | 18,861 | 25,267 |
| Gross income | 27,136 | 3.7 | 26,161 | 35,481 |
| Operating income | 16,776 | 5.0 | 15,972 | 21,288 |
| Net attributable profit (loss) | 7,978 | 4.7 | 7,622 | 10,054 |
The BBVA share and share performance ratios
| The BBVA share and share performance ratios | 30-09-25 | ^% | 30-09-24 | 31-12-24 |
|---|---|---|---|---|
| Number of shares outstanding (million) | 5,763 | - | 5,763 | 5,763 |
| Share price (euros) | 16.34 | 68.3 | 9.71 | 9.45 |
| Adjusted earning (loss) per share (euros) (1) | 1.33 | 4.7 | 1.28 | 1.68 |
| Earning (loss) per share (euros) (1) | 1.33 | 5.1 | 1.27 | 1.68 |
| Book value per share (euros) (1) | 10.02 | 9.0 | 9.19 | 9.67 |
| Tangible book value per share (euros) (1) | 9.55 | 8.6 | 8.79 | 9.24 |
| Market capitalization (millions of euros) | 94,172 | 68.3 | 55,962 | 54,463 |
⁽¹⁾ For more information, see Alternative Performance Measures at this report.
Profitability and efficiency ratios (%)
| Significant Ratios (%) | 30-09-25 | 30-09-24 | 31-12-24 |
|---|---|---|---|
| ROE (net attributable profit (loss)/average shareholders' funds +/- average accumulated other comprehensive income) (1) | 18.8 | 19.2 | 18.9 |
| ROTE (net attributable profit (loss)/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income) (1) | 19.7 | 20.1 | 19.7 |
| RORC (net attributable profit (loss)/average regulatory capital) (1) | 21.41 | 21.33 | 20.98 |
| ROA (profit (loss) for the period / average total assets - ATA) (1) | 1.41 | 1.37 | 1.36 |
| RORWA (profit (loss) for the period / average risk-weighted assets - RWA) (1) | 2.84 | 2.81 | 2.76 |
| Efficiency ratio (1) | 38.2 | 38.9 | 40.0 |
⁽¹⁾ For more information, see Alternative Performance Measures at this report.
Credit risk indicators
| Credit risk indicators | 30-09-25 | 30-09-24 | 31-12-24 |
|---|---|---|---|
| Cost of risk (1) | 1.35 | 1.42 | 1.43 |
| NPL ratio (1) | 2.8 | 3.3 | 3.0 |
| NPL coverage ratio (1) | 84 | 75 | 80 |
⁽¹⁾ For more information, see Alternative Performance Measures at this report.
Capital adequacy ratios (%)
| Capital adequacy ratios (%) (2) | 30-09-25 | 30-09-24 | 31-12-24 |
|---|---|---|---|
| CET1 ratio | 13.42 | 12.84 | 12.88 |
| Tier 1 ratio | 14.81 | 14.36 | 14.40 |
| Total capital ratio | 17.75 | 17.09 | 16.90 |
⁽²⁾ Preliminary data as of 30-09-2025.
Other Information
| Other Information | 30-09-25 | ^% | 30-09-24 | 31-12-24 |
|---|---|---|---|---|
| Number of active clients (million) (3) | 80.1 | 5.4 | 76.0 | 76.9 |
| Number of shareholders (4) | 669,979 | (6.6) | 717,667 | 714,069 |
| Number of employees | 126,997 | 1.5 | 125,083 | 125,916 |
| Number of branches | 5,657 | (3.5) | 5,863 | 5,749 |
| Number of ATMs | 30,600 | 0.1 | 30,569 | 30,391 |
⁽³⁾ 2024 data have been revised due to the homogenization of computation criteria in the different countries or changes in the origin of information provisioning, which would include the reorganization of the active client databases.
⁽⁴⁾ See footnote to table of structural distribution of shareholders in the Capital and shareholders chapter of this report.
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Updated page 30 October 2025