Financial data

BBVA Group Highlights (Consolidated figures)

Balance sheet

Balance sheet (million euros) (1)12-31-23
  ^% 12-31-2212-31-21
Total assets775,5588.9712,092662,885
Loans and advances to customers (gross) 388,9125.5368,588330,055
Deposits from customers 413,4874.8394,404349,761
Total customer funds 577,8536.1544,576496,954
Total equity55,2659.450,51748,760

⁽¹⁾ Balances as of 31-12-2022 restated according to IFRS 17 - Insurance contracts.

Income statement (million euros)

Income statement (millions of euros) (1)12-31-23  ^% 12-31-2212-31-21
Net interest income23,08920.719,12414,686
Gross income29,54219.424,74321,066
Operating income17,23322.714,04211,536
Net attributable profit/ (loss) 8,01926.16,3584,653
Adjusted net attributed profit (loss) (1) (2)8,01922.36,5595,069

⁽¹⁾ Balances as of 31-12-2022 restated according to IFRS 17 - Insurance contracts.

⁽²⁾ For more information, see Alternative Performance Measures at the end of this report.

The BBVA share and share performance ratios

The BBVA share and share performance ratios 12-31-23 ^% 12-31-2212-31-21
Number of shares issued (million) 5,838(3.2)6,0306,668
Share price (euros)8.2346.05.635.25
Adjusted earning (loss) per share (euros) (1) (2)1.3226.81.040.71
Earning (loss) per share (euros) (1) (2)1.2932.00.980.67
Book value per share (euros) (1) (2)8.8613.97.786.86
Tangible book value per share (euros) (1) (2)8.4613.97.436.52
Market capitalization (millions of euros)48,02341.433,97435,006
Yield (dividend/price; %) (2) (3)5.76.22.6

⁽¹⁾ Balances as of 31-12-2022 restated according to IFRS 17 - Insurance contracts.

⁽²⁾ For more information, see Alternative Performance Measures at the end of this report.

⁽³⁾ Calculated by dividing the dividends paid in the last twelve months by the closing price of the period.

Significant Ratios (%)

Significant Ratios (%)12-31-2312-31-2212-31-21
Adjusted ROE (net attributable profit (loss)/average shareholders' funds +/- average accumulated other comprehensive income) (1) (2)16.214.411.4
Adjusted ROTE (net attributable profit (loss)/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income) (1) (2)17.015.112.0
Adjusted ROA (Profit (loss) for the year/average total assets) (1) (2)1.120.990.94
Adjusted RORWA (Profit (loss) for the year/average risk-weighted assets - RWA) (1) (2)2.382.122.01
Efficiency ratio (1) (2)41.743.245.2
Cost of risk (1) (2)1.150.910.93
NPL ratio (1) (2)3.43.44.1
NPL coverage ratio (2)778175

⁽¹⁾ Balances as of 31-12-2022 restated according to IFRS 17 - Insurance contracts

⁽²⁾ For more information, see Alternative Performance Measures at the end of this report.

Capital adequacy ratios (%)

Capital adequacy ratios (%)12-31-2312-31-2212-31-21
CET1 fully-loaded12.6712.6112.75
CET1 phased-in (4)12.6712.6812.98
Total Ratio phased-in (4)16.5815.9817.24

⁽⁴⁾ 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. As of December 31, 2023, there are no differences between phased-in and fully-loaded ratios due to the aforementioned temporary treatment

Other Information

Other Information 12-31-23 ^%12-31-2212-31-21
Number of clients (million) 71.56.367.360.8
Number of shareholders (5)742,194(7.4)801,216826,835
Number of employees121,4865.0115,675110,432
Number of branches5,949(1.5)6,0406,083
Number of ATMs30,3011.729,80729,148

⁽⁵⁾ See the footnote of the shareholder structure table in the Solvency chapter of this report.

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Updated page 30 January 2024