Financial data

BBVA Group Highlights (Consolidated figures)

Balance sheet

Balance sheet (million euros)03-31-18 (IFRS 9)  % (IFRS 9)03-31-17 (IAS 39)12-31-17 (IAS 39)
Total assets685,441(4.7)719,193690,059
Loans and advances to customers (gross)381,683(11.6)431,899400,369
Deposits from customers360,213(9.6)398,499376,379
Others customer funds130,440(3.6)135,290134,906
Total customer funds490,653(8.1)533,789511,285
Total equity51,823(5.6)54,91853,323

Income statement (million euros)

Income statement (million euros)31-03-18 (IFRS 9)  % (IFRS 9)31-03-17 (IAS 39)31-12-17 (IAS 39)
Net interest income4,288(0.8)4,32217,758
Gross income6,096(4.5)6,38325,270
Operating income3,117(4.0)3,24612,770
Income before tax2,2378.32,0656,931
Net attributable profit1,34011.81,1993,519

The BBVA share and share performance ratios

The BBVA share and share performance ratios 03-31-18 (IFRS 9) % (IFRS 9)03-31-17 (IAS 39)12-31-17 (IAS 39)
Number of share (millions)6,6681.56,5676,668
Share price (euros)6.43(11.6)7.277.11
Earning per share (euros)*0.1910.70.170.48
Book value per share (euros)6.81(6.9)7.326.96
Tangible book value per share (euros)5.58(5.2)5.885.69
Market capitalization (million euros)42,868(10.2)47,73947,422
Yield (dividend/price; %)3.45.14.2

*Adjusted by additional Tier 1 instrument remuneration.

Significant Ratios (%)

Significant Ratios (%)03-31-18 (IFRS 9)03-31-17 (IAS 39)12-31-17 (IAS 39)
ROE (net attributable profit/average shareholders' funds)**11.910.27.4
ROTE (net attributable profit/average shareholders’ funds excluding intangible assets)**14.612.89.1
ROA (net income/average total assets)0.970.840.68
RORWA (net income/average risk-weighted assets)1.831.561.27
Efficiency ratio48.949.149.5
Cost of risk0.850.900.87
NPL ratio4.44.94.6
NPL coverage ratio737165

**The ROE and ROTE ratios include in the denominator the Group’s average shareholders’ funds and take into account another item within total equity with the heading “Accumulated other comprehensive income”. Excluding this item, the ROE would stand at 9.1% in the first quarter 2017, 6.4% in 2018 and 9.9% in the first quarter 2017 and the ROTE on 11.1%, 7.7% and 11.7%, respectively.

Capital adequacy ratios (%)***

Capital adequacy ratios (%)***03-31-1803-31-1712-31-17
CET1 fully-loaded10.911.011.1
CET1 phased-in***11.111.611.7
Tier 1 phased-in***12.812.813.0
Total Ratio phased-in***15.415.315.5

***As of March 31, 2018 phased-in ratios include the temporary treatment on the impact of IFRS9 , calculated in accordance with Article 473 bis of CRR. For 2017 the capital ratios are calculated under CRD IV from Basel III regulation, in which a phase-in of 80% is applied.

Other Information

Other Information 03-31-18 %03-31-1712-31-17
Number of shareholders890,146(3.2)919,274891,453
Number of employees131,745(0.9)133,007131,856
Number of branches8,200(3.5)8,4998,271
Number of ATMs31,6021.331,18531,688

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Updated page 27 April 2018

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