| Balance sheet (million euros) (1) | 31-12-24 | ^% | 31-12-23 | 31-12-22 |
|---|---|---|---|---|
| Total assets | 772,402 | (0.4) | 775,558 | 712,092 |
| Loans and advances to customers (gross) | 424,087 | 9.0 | 388,912 | 368,588 |
| Deposits from customers | 447,646 | 8.3 | 413,487 | 394,404 |
| Total customer funds | 640,251 | 10.8 | 577,853 | 544,576 |
| Total equity | 60,014 | 8.6 | 55,265 | 50,517 |
⁽¹⁾ Balances as of 31-12-2022 revised according to IFRS 17 - Insurance contracts.
| Income statement (millions of euros) (1) | 31-12-24 | ^% | 31-12-23 | 31-12-22 |
|---|---|---|---|---|
| Net interest income | 25,267 | 9.4 | 23,089 | 19,124 |
| Gross income | 35,481 | 20.1 | 29,542 | 24,743 |
| Operating income | 21,288 | 23.5 | 17,233 | 14,042 |
| Net attributable profit/ (loss) | 10,054 | 25.4 | 8,019 | 6,358 |
⁽¹⁾ Balances as of 31-12-2022 revised according to IFRS 17 - Insurance contracts.
| The BBVA share and share performance ratios | 31-12-24 | ^% | 31-12-23 | 31-12-22 |
|---|---|---|---|---|
| Number of shares issued (million) | 5,763 | (1.3) | 5,838 | 6,030 |
| Share price (euros) | 9.45 | 14.9 | 8.23 | 5.63 |
| Adjusted earning (loss) per share (euros) (1) (2) | 1.68 | 27.7 | 1.32 | 1.04 |
| Earning (loss) per share (euros) (1) (2) | 1.68 | 30.0 | 1.29 | 0.98 |
| Book value per share (euros) (1) (2) | 9.67 | 9.1 | 8.86 | 7.78 |
| Tangible book value per share (euros) (1) (2) | 9.24 | 9.2 | 8.46 | 7.43 |
| Market capitalization (millions of euros) | 54,463 | 13.4 | 48,023 | 33,974 |
⁽¹⁾ Balances as of 31-12-2022 revised according to IFRS 17 - Insurance contracts.
⁽²⁾ For more information, see Alternative Performance Measures at this report.
| Significant Ratios (%) | 31-12-24 | 31-12-23 | 31-12-22 |
|---|---|---|---|
| Adjusted ROE (net attributable profit (loss)/average shareholders' funds +/- average accumulated other comprehensive income) (1) (2) | 18.9 | 16.2 | 14.4 |
| Adjusted ROTE (net attributable profit (loss)/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income) (1) (2) | 19.7 | 17.0 | 15.1 |
| Adjusted ROA (Profit (loss) for the year/average total assets) (1) (2) | 1.36 | 1.12 | 0.99 |
| Adjusted RORWA (Profit (loss) for the year/average risk-weighted assets - RWA) (1) (2) | 2.76 | 2.38 | 2.06 |
| Efficiency ratio (1) (2) | 40.0 | 41.7 | 43.2 |
| Cost of risk (1) (2) | 1.43 | 1.15 | 0.91 |
| NPL ratio (1) (2) | 3.0 | 3.4 | 3.4 |
| NPL coverage ratio (1) (2) | 80 | 77 | 81 |
⁽¹⁾ Balances as of 31-12-2022 revised according to IFRS 17 - Insurance contracts.
⁽²⁾ For more information, see Alternative Performance Measures at this report
| Capital adequacy ratios (%) | 31-12-24 | 31-12-23 | 31-12-22 |
|---|---|---|---|
| CET1 fully-loaded | 12.88 | 12.67 | 12.61 |
| CET1 phased-in (3) | 12.88 | 12.67 | 12.68 |
| Total Ratio phased-in (3) | 16.90 | 16.58 | 15.98 |
⁽³⁾ Phased-in ratios include the temporary treatment on the impact of IFRS 9, calculated in accordance with Article 473 bis amendments of the Capital Requirements Regulation (CRR), introduced by the Regulation (EU) 2020/873. For 2022 in this table, there is a difference between phased-in and fully loaded ratios due to the aforementioned temporary treatment.
| Other Information | 31-12-24 | ^% | 31-12-23 | 31-12-22 |
|---|---|---|---|---|
| Number of clients (million) (4) | 77.2 | 6.5 | 72.5 | 68.2 |
| Number of shareholders (5) | 714,069 | (3.8) | 742,194 | 801,216 |
| Number of employees | 125,916 | 3.6 | 121,486 | 115,675 |
| Number of branches | 5,749 | (3.4) | 5,949 | 6,040 |
| Number of ATMs | 30,391 | 0.3 | 30,301 | 29,807 |
⁽⁴⁾ Reported figures include clients from Italy, as well as an adjustment for homogenization of criteria in Peru and Venezuela with the rest of the countries. In Argentina, the concepts of “total customers” and, therefore, “active customers” have been revised due to the transition to a new data source.
⁽⁵⁾ See footnote to table of structural distribution of shareholders in the Capital and shareholders chapter of this report.
