Financial data

BBVA Group Highlights (Consolidated figures)

Balance sheet

Balance sheet (million euros)12-31-17  %12-31-1612-31-15
Total assets690,059(5.7)731,856749,855
Loans and advances to customers (gross)400,369(7.0)430,474432,855
Deposits from customers376,379(6.2)401,465403,362
Others customer funds134,9062.1132,092131,822
Total customer funds511,285(4.2)533,557535,184
Total equity53,323(3.8)55,42855,282

Income statement (million euros)

Income statement (million euros)12-31-17  %12-31-1612-31-15
Net interest income17,7584.117,05916,426
Gross income25,2702.524,65323,680
Operating income12,7707.711,86211,363
Income before tax6,9318.46,3925,879
Net attributable profit3,5191.33,4752,642

The BBVA share and share performance ratios

The BBVA share and share performance ratios 12-31-17 %12-31-1612-31-15
Number of share (millions)6,6681.56,5676,367
Share price (euros)7.1110.96.416.74
Earning per share (euros)*0.48(0.7)0.490.37
Book value per share (euros)6.96(3.6)7.227.47
Tangible book value per share (euros)5.69(0.69)5735.88
Market capitalization (million euros)47,42212.642,11842,905
Yield (dividend/price; %)

*Adjusted by additional Tier 1 instrument remuneration.

Significant Ratios (%)

Significant Ratios (%)12-31-1712-31-16 12-31-15
ROE (net attributable profit/average shareholders' funds)**
ROTE (net attributable profit/average shareholders’ funds excluding intangible assets)**
ROA (net income/average total assets)0.680.640.46
RORWA (net income/average risk-weighted assets)
Efficiency ratio49.551.952.0
Cost of risk0.870.841.06
NPL ratio4.44.95.4
NPL coverage ratio657074

**The ROE and ROTE ratios include in the denominator the Group’s average shareholders’ funds, but do not take into account the caption within total equity named “Accumulated other comprehensive income” with an average balance of -€1,139m in 2015, -€4,492m in 2016 and -€7,015 in 2017.

Capital adequacy ratios (%)***

Capital adequacy ratios (%)***12-31-1712-31-1612-31-15
CET1 fully-loaded11.110.910.3
CET1 phased-in***11.712.212.1
Tier 1 phased-in***13.012.912.1
Total Ratio phased-in***15.415.115.0

***The capital ratios are calculated under CRD IV from Basel III regulation, applying a 80% phase-in for 2017 and a 60% for 2016.

Other Information

Other Information 30-09-17 %30-09-1631-12-16
Number of shareholders891.453(4.7)935,284934,244
Number of employees131,856(2.2)134,792137,968
Number of branches8,271(4.5)8,6609,145
Number of ATMs31,6881.831,12030,616

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Updated page 01 February 2018

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