Financial data

BBVA Group Highlights (Consolidated figures)

Balance sheet

Balance sheet (million euros)06-30-18 (IFRS 9)  % (IFRS 9)06-30-17 (IAS 39)12-31-17 (IAS 39)
Total assets689,632(1.8)702,429690,059
Loans and advances to customers (gross)390,661(8.0)424,405400,369
Deposits from customers367,312(6.9)394,626376,379
Others customer funds132,522(3.3)137,043134,906
Total customer funds499,834(6.0)531,669511,285
Total equity52,087(4.8)54,72753,323

Income statement (million euros)

Income statement (million euros)06-30-18 (IFRS 9)  % (IFRS 9)06-30-17 (IAS 39)12-31-17 (IAS 39)
Net interest income8,643(1.8)8,80317,758
Gross income12,074(5.1)12,71825,270
Operating income6,131(4.3)6,40712,770
Income before tax4,44310.24,0336,931
Net attributable profit2,64914.92,3063,519

The BBVA share and share performance ratios

The BBVA share and share performance ratios 06-30-18 (IFRS 9) % (IFRS 9)06-30-17 (IAS 39)12-31-17 (IAS 39)
Number of share (millions)6,6680.06,6686,668
Share price (euros)6.07(16.4)7.277.11
Earning per share (euros)*0.3714.50.330.48
Book value per share (euros)6.89(4.0)7.186.96
Tangible book value per share (euros)5.63(3.3)5.825.69
Market capitalization (million euros)40,501(16.4)48,44247,422
Yield (dividend/price; %)4.05.14.2

*Adjusted by additional Tier 1 instrument remuneration.

Significant Ratios (%)

Significant Ratios (%)06-30-18 (IFRS 9)06-30-17 (IAS 39)12-31-17 (IAS 39)
ROE (net attributable profit/average shareholders' funds)**11.79.77.4
ROTE (net attributable profit/average shareholders’ funds excluding intangible assets)**14.312.19.1
ROA (net income/average total assets)0.950.820.68
RORWA (net income/average risk-weighted assets)1.811.531.27
Efficiency ratio49.249.649.5
Cost of risk0.820.930.89
NPL ratio4.44.84.6
NPL coverage ratio717165

**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 9.7%, in the first half of 2018; 8.6%, in the first half of 2017; and 6.4%, in 2017; and the ROTE at 11.5%, 10.5% and 7.7%, respectively.

Capital adequacy ratios (%)***

Capital adequacy ratios (%)***06-30-1806-30-1712-31-17
CET1 fully-loaded10.811.111.1
CET1 phased-in***11.111.811.7
Tier 1 phased-in***12.813.013.0
Total Ratio phased-in***15.515.515.5

***As of June 30, 2018 phased-in ratios include the temporary treatment on the impact of IFRS9 , calculated in accordance with Article 473 bis of Capital Resquirements Regulation (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 06-30-18 %06-30-1712-31-17
Number of shareholders890,821(2.1)910,330891,453
Number of employees131,784(0.4)132,321131,856
Number of branches8,141(3.3)8,4218,271
Number of ATMs31,5301.131,19431,688

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Updated page 27 July 2018

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