Financial data

BBVA Group Highlights (Consolidated figures)

Balance sheet

Balance sheet (million euros)30-09-17  %30-09-1631-12-16
Total assets690,797(4.7)724,627731,856
Loans and advances to customers (gross)416,240(1.6)422,844430,474
Deposits from customers392,8652.0385,348401,465
Others customer funds137,7245.3130,833132,092
Total customer funds530,5892.8516,181533,557
Total equity54,400(2.7)55,89155,428

Income statement (million euros)

Income statement (million euros)30-09-17  %30-09-1631-12-16
Net interest income13,2024.212,67417,059
Gross income18,9082.618.43124,653
Operating income9,5227.28,88211,862
Income before tax6,01517.85,1076,392
Net attributable profit3,44923.32,7973,475

The BBVA share and share performance ratios

The BBVA share and share performance ratios 30-09-17 %30-09-1631-12-16
Number of share (millions)6,6682,96,4806,567
Share price (euros)7.5640.55.386.41
Earning per share (euros)*0.4922.10.400.49
Book value per share (euros)7.11(3.0)7.337.22
Tangible book value per share (euros)5.79(1.4)5.885.73
Market capitalization (million euros)50,41644.634,87742,118
Yield (dividend/price; %)3.86.95.8

*Adjusted by additional Tier 1 instrument remuneration.

Significant Ratios (%)

Significant Ratios (%)30-09-1730-09-16 31-12-16
ROE (net attributable profit/average shareholders' funds)**8.57.26.7
ROTE (net attributable profit/average shareholders’ funds excluding intangible assets)**10.29.08.2
ROA (net income/average total assets)0.820.670.64
RORWA (net income/average risk-weighted assets)1.531.261.19
Efficiency ratio49.651.851.9
Cost of risk0.930.920.84
NPL ratio4.55.1 4.9
NPL coverage ratio7272 70

**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 -€4,260m in January-September 2016, –€4,492m in 2016 and -€6,519m in January-September 2017.

Capital adequacy ratios (%)***

Capital adequacy ratios (%)***30-09-1730-09-1631-12-16
CET1 fully-loaded11.211.010.9
CET1 phased-in***11.912.312.2
Tier 1 phased-in***13.113.012.9
Total Ratio phased-in***15.716.015.1

***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 shareholders900,807(4.9)947,244935,284
Number of employees132,019(3.1)136,244134,792
Number of branches8,374(4.4)8,7618,660
Number of ATMs31,2141.030,89031,120

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Updated page 10 November 2017

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