Financial data

BBVA Group Highlights (Consolidated figures)

Balance sheet

Balance sheet (million euros)06-30-19  ^% 06-30-1912-31-18
Total assets697,6261.1689,850676,689
Loans and advances to customers (gross)389,306(0,3)390,661386,225
Deposits from customers375,1042.1367,312375,970
Total customer funds478,9072.2468,811474,120
Total equity54,6904.652,27852,874

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 the 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)06-30-19   ^% 06-30-1812-31-18
Net interest income8,9874.68,59017,591
Gross income11,9891.111,86323,747
Operating income6,1152.55,96712,045
Net attributable profit2,442(3.7)2,5365,324

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 the 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 06-30-19 ^% 06-30-1812-31-18
Number of share (millions)6,668-6,6686,668
Share price (euros)4.92(19.0)6.074.64
Earning per share (euros)*0.34(5.5)0.360.76
Book value per share (euros)7.346.26.917.12
Tangible book value per share (euros)6.108.05.655.86
Market capitalization (million euros)32,786(19.0)40,50130,909
Yield (dividend/price; %)5.34.0 5.4

*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 (%)06-30-1906-30-1812-31-18
ROE (net attributable rofit/average shareholders' funds +/- average accumulated other comprehensive income)*10.211.211.5
ROTE (net attributable profit/average shareholders' funds excluding average intangible assets +/- average accumulated
other comprehensive income)*
12.413.714.1
ROA (profit or loss for the year/average total assets)0.860.900.91
RORWA (profit or loss for the year/average risk-weighted assets -RWA)1.651.721.74
Efficiency ratio49.049.749.3
Cost of risk0.910.821.01
NPL ratio3.84.43.9
NPL coverage ratio757173

* 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 9.0%, in the first semester of 2019; 10.1%, in 2018; and 9.8%, in the first semester of 2018; and the ROTE at 10.6%, 11.9% and 11.7%, respectively.

Capital adequacy ratios (%)

Capital adequacy ratios (%)*06-30-1906-30-1812-31-18
CET1 fully-loaded11.510.811.3
CET1 phased-in*11.811.111.6
Total Ratio phased-in*15.815.415.7

*As of June 30, 2019, phased-in ratios include the temporary treatment on the impact of IFRS 9, calculated in accordance with Article 473 bis of the Capital Requirements Regulation (CRR).

Other Information

Other Information 06-30-19 ^%06-30-1812-31-18
Number of clients (million)76.01.475.074.8
Number of shareholders888,559(0.3)890,821902,708
Number of employees126,017(4.4)131,784125,627
Number of branches7,823(3.9)8,1417,963
Number of ATMs32,6211.632,12132,029

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 31 July 2019

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