Financial data

BBVA Group Highlights (Consolidated figures)

Balance sheet

Balance sheet (million euros)03-31-19  ^% 03-31-1812-31-18
Total assets691,2000,8685,688676,689
Loans and advances to customers (gross)393,3213.0381,683386,225
Deposits from customers378,5275.1360,213375,970
Total customer funds481,7544.9459.113474,120
Total equity53,5472.952,04352,874

General note: the application of accounting for hyperinflation in Argentina was performed for the first time in September 2018 with accounting effects on January 1, 2018, recording the impact of the nine months in the third quarter. In order to make the 2019 information comparable to 2018, the income statements and balance sheets of the first three quarters of 2018 have been reexpressed to reflect these impacts.

Income statement (million euros)

Income statement (million euros)03-31-19   ^% 03-31-1812-31-18
Net interest income4,4203.14,28717,591
Gross income6,0690,76,02623,747
Operating income3,1473.23,05012,045
Net attributable profit1,164(9.8)1,2905,324

General note: the application of accounting for hyperinflation in Argentina was performed for the first time in September 2018 with accounting effects on January 1, 2018, recording the impact of the nine months in the third quarter. In order to make the 2019 information comparable to 2018, the income statements and balance sheets of the first three quarters of 2018 have been reexpressed to reflect these impacts.

The BBVA share and share performance ratios

The BBVA share and share performance ratios 03-31-19 ^% 03-31-1812-31-18
Number of share (millions)6,668-6,6686,668
Share price (euros)5.09(20.8)6.434.64
Earning per share (euros)*0.16(9.7)0.180.76
Book value per share (euros)7.205.46.837.12
Tangible book value per share (euros)5.946.15.605.86
Market capitalization (million euros)33,960(20 .8)42,86830,909
Yield (dividend/price; %)4.93.45.4

*Adjusted by additional Tier 1 instrument remuneration. General note: the application of accounting for hyperinflation in Argentina was performed for the first time in September 2018 with accounting effects on January 1, 2018, recording the impact of the nine months in the third quarter. In order to make the 2019 information comparable to 2018, the income statements and balance sheets of the first three quarters of 2018 have been reexpressed to reflect these impacts.

Significant Ratios (%)

Significant Ratios (%)03-31-1903-31-1812-31-18
ROE (net attributable profit/average shareholders' funds)*9.911.511.5
ROTE (net attributable profit/average shareholders’ funds excluding intangible assets)*11.914.014.1
ROA (net income/average total assets)0.840.930.91
RORWA (net income/average risk-weighted assets)1.601.751.74
Efficiency ratio48.149.449.3
Cost of risk1.060.851.01
NPL ratio3.94.43.9
NPL coverage ratio747373

* 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 8.6%, in the first quarter of 2019; 10.1%, in 2018; and 10.1%, in the first quarter of 2018; and the ROTE at 10.2%, 11.9% and 12.0% respectively. General note: the application of accounting for hyperinflation in Argentina was performed for the first time in September 2018 with accounting effects on January 1, 2018, recording the impact of the nine months in the third quarter. In order to make the 2019 information comparable to 2018, the income statements and balance sheets of the first three quarters of 2018 have been reexpressed to reflect these impacts.

Capital adequacy ratios (%)

Capital adequacy ratios (%)*03-31-1903-31-1812-31-18
CET1 fully-loaded11.310.911.3
CET1 phased-in*11.611.111.6
Total Ratio phased-in*15.215.415.7

*As of March 31, 2019, phased-in ratios include the temporary treatment on the impact of IFRS9 , calculated in accordance with Article 473 bis of Capital Resquirements Regulation (CRR). General note: the application of accounting for hyperinflation in Argentina was performed for the first time in September 2018 with accounting effects on January 1, 2018, recording the impact of the nine months in the third quarter. In order to make the 2019 information comparable to 2018, the income statements and balance sheets of the first three quarters of 2018 have been reexpressed to reflect these impacts.

Other Information

Other Information 03-31-19 ^%03-31-1812-31-18
Number of clients (million)75.72.973.674.8
Number of shareholders892,3160.2890,146 902,708
Number of employees125,749 (4.6)131,745125,627
Number of branches7,844(4.3)8,2007,963
Number of ATMs31,9221.031,602 32,029

General note: the application of accounting for hyperinflation in Argentina was performed for the first time in September 2018 with accounting effects on January 1, 2018, recording the impact of the nine months in the third quarter. In order to make the 2019 information comparable to 2018, the income statements and balance sheets of the first three quarters of 2018 have been reexpressed to reflect these impacts.

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Updated page 28 May 2019

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