Financial data

BBVA Group Highlights (Consolidated figures)

Balance sheet

Balance sheet (million euros) 03-31-24
  ^% 03-31-2312-31-23
Total assets801,6908.4739,564775,558
Loans and advances to customers (gross) 400,4577.2373,481388,912
Deposits from customers 436,76310.3395,880413,487
Total customer funds 615,07610.5556,839577,853
Total equity55,7788.451,47155,265

Income statement (million euros)

Income statement (millions of euros) 03-31-24  ^% 03-31-2312-31-23
Net interest income6,51215.45,64223,089
Gross income8,21818.16,95829,542
Operating income4,83522.73,94217,233
Net attributable profit/ (loss) 2,20019.11,8468,019

The BBVA share and share performance ratios

The BBVA share and share performance ratios 03-31-24 ^% 03-31-2312-31-23
Number of shares issued (million) 5,838(3.2)6,0305,838
Share price (euros)11.0468.06.578.23
Adjusted earning (loss) per share (euros) (1) 0.3720.90.301.32
Earning (loss) per share (euros) (1) 0.3623.40.291.29
Book value per share (euros) (1) 9.0412.78.028.86
Tangible book value per share (euros) (1) 8.6212.77.658.46
Market capitalization (millions of euros)64,45162.739,62448,023

⁽¹⁾ For more information, see Alternative Performance Measures at the end of this report.

Significant Ratios (%)

Significant Ratios (%)03-31-2403-31-2312-31-23
Adjusted ROE (net attributable profit (loss)/average shareholders' funds +/- average accumulated other comprehensive income) (1) 16.915.516.2
Adjusted ROTE (net attributable profit (loss)/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income) (1) 17.716.317.0
Adjusted ROA (Profit (loss) for the year/average total assets) (1) 1.191.111.12
Adjusted RORWA (Profit (loss) for the year/average risk-weighted assets - RWA) (1) 2.502.362.38
Efficiency ratio (1) 41.243.341.7
Cost of risk (1) 1.391.051.15
NPL ratio (1) 3.43.33.4
NPL coverage ratio (1)768277

⁽¹⁾ For more information, see Alternative Performance Measures at the end of this report.

Capital adequacy ratios (%)

Capital adequacy ratios (%)03-31-2403-31-2312-31-23
CET1 fully-loaded12.8213.1312.67
CET1 phased-in (2)12.8213.1312.67
Total Ratio phased-in (2)16.6616.3016.58

⁽²⁾ Phased-in ratios include the temporary treatment on the impact of IFRS 9, calculated in accordance with Article 473 bis amendments of the Capital Requirements Regulation (CRR), introduced by the Regulation (EU) 2020/873. For the periods shown in this table, there are no differences between phased-in and fully-loaded ratios due to the aforementioned temporary treatment.

Other Information

Other Information 03-31-24 ^%03-31-2312-31-23
Number of clients (million) (3)74.16.669.473.0
Number of shareholders (4)726,100(7.6)786,031742,194
Number of employees121,5634.0116,923121,486
Number of branches5,912(2.3)6,0515,949
Number of ATMs30,4321.829,88230,301

⁽³⁾ Reported figures include clients from Italy, as well as an adjustment for homogenization of criteria in Peru with the rest of the countries.

⁽⁴⁾ See footnote to table of structural distribution of shareholders in the Capital and shareholders chapter of this report

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Updated page 29 April 2024