Financial data

BBVA Group Highlights (Consolidated figures)

Balance sheet

Balance sheet (million euros)09-30-19  ^% 09-30-1812-31-18
Total assets709,0176.0668,985676,689
Loans and advances to customers (gross)391,2732.1383,111386,225
Deposits from customers379,3333.7365,687375,970
Total customer funds485,1594.0466,683474,120
Total equity57,02911.651,09752,874

Income statement (million euros)

Income statement (million euros)09-30-19   ^% 09-30-1812-31-18
Net interest income13,4754.512,89917,591
Gross income18,1243.017,59623,747
Operating income9,3044.88,87512,045
Net attributable profit3,667(15.2)4,3235,324

The BBVA share and share performance ratios

The BBVA share and share performance ratios 09-30-19 ^% 09-30-1812-31-18
Number of share (millions)6,668-6,6686,668
Share price (euros)4.78(12.9)5.494.64
Earning per share (euros)*0.51(17.8)0.620.76
Book value per share (euros)7.639.96.947.12
Tangible book value per share (euros)6.3511.45.705.86
Market capitalization (million euros)31,876(12.9)36,60730,909
Yield (dividend/price; %)

*Adjusted by additional Tier 1 instrument remuneration.

Significant Ratios (%)

Significant Ratios (%)09-30-1909-30-1812-31-18
ROE (net attributable rofit/average shareholders' funds +/- average accumulated other comprehensive income)*
ROTE (net attributable profit/average shareholders' funds excluding average intangible assets +/- average accumulated
other comprehensive income)*
ROA (profit or loss for the year/average total assets)0.840.950.91
RORWA (profit or loss for the year/average risk-weighted assets -RWA)1.601.821.74
Efficiency ratio48.749.649.3
Cost of risk1.010.901.01
NPL ratio3.94.13.9
NPL coverage ratio757373

* The ROE and ROTE ratios include, in the denominator, the Group’s average shareholders’ funds and take into account the item called “Accumulated other comprehensive income”, which forms part of the equity. Excluding this item, the ROE would stand at 8.8%, in January-September of 2019; 10.1%, in 2018; and 10.6%, in January-September of 2018; and the ROTE at 10.4%, 11.9% and 12.6%, respectively.

Capital adequacy ratios (%)

Capital adequacy ratios (%)*09-30-1909-30-1812-31-18
CET1 fully-loaded11.611.311.3
CET1 phased-in*11.811.611.6
Total Ratio phased-in*16.215.915.7

*As of September 30, 2019, phased-in ratios include the temporary treatment on the impact of IFRS 9, calculated in accordance with Article 473 bis of the Capital Requirements Regulation (CRR).

Other Information

Other Information 09-30-19 ^%09-30-1812-31-18
Number of clients (million)77.33.374.874.8
Number of shareholders884,412(1.3)895,809902,708
Number of employees126,332(0.0)126,357125,627
Number of branches7,798(2.5)7,9997,963
Number of ATMs32,8302.631,99932,029

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Updated page 31 October 2019

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