Financial statements 2016
(Consolidated figures)
| 31-12-16 | ∆% | 31-12-15 | 31-12-14 | |
|---|---|---|---|---|
| Balance sheet (million euros) | ||||
| Total assets | 731,856 | (2.4) | 749,855 | 651,511 |
| Loans and advances to customers (gross) | 430,474 | (0.6) | 432,855 | 366,535 |
| Deposits from customers | 401,465 | (0.5) | 403,362 | 330,983 |
| Other customer funds | 132,092 | 0.2 | 131,822 | 120,631 |
| Total customer funds | 533,557 | (0.3) | 535,184 | 451,614 |
| Total equity | 55,428 | 0.3 | 55,282 | 51,609 |
| Income statement (million euros) | ||||
| Net interest income | 17,059 | 3.9 | 16,426 | 15,116 |
| Gross income | 24,653 | 4.1 | 23,680 | 21,357 |
| Operating income | 11,862 | 4.4 | 11,363 | 10,406 |
| Income before tax | 6,392 | 8.7 | 5,879 | 4,063 |
| Net attributable profit | 3,475 | 31.5 | 2,642 | 2,618 |
| The BBVA share and share performance ratios | ||||
| Number of shares (millions) | 6,567 | 3.1 | 6,367 | 6,171 |
| Share price (euros) | 6.41 | (4.8) | 6.74 | 7.85 |
| Earning per share (euros) (1) | 0.50 | 33.3 | 0.37 | 0.40 |
| Book value per share (euros) | 7.22 | (3.4) | 7.47 | 8.01 |
| Tangible book value per share (euros) | 5.73 | (2.7) | 5.88 | 6.57 |
| Market capitalization (million euros) | 42,118 | (1.8) | 42,905 | 48,470 |
| Yield (dividend/price; %) | 5.8 | 5.5 | 4.2 | |
| Significant ratios (%) | ||||
| ROE (net attributable profit/average shareholders’ funds excluding intangible assets) (2) | 6.7 | 5.2 | 5.5 | |
| ROTE (net attributable profit/average shareholders’ funds excluding intangible assets) (2) | 8.2 | 6.4 | 6.7 | |
| ROA (net income/average total assets) | 0.64 | 0.46 | 0.50 | |
| RORWA (net income/average risk-weighted assets) | 1.19 | 0.87 | 0.91 | |
| Efficiency ratio | 51.9 | 52.0 | 51.3 | |
| Cost of risk | 0.84 | 1.06 | 1.25 | |
| NPL ratio | 4.9 | 5.4 | 5.8 | |
| NPL coverage ratio | 70 | 74 | 64 | |
| Capital adequacy ratios (%) (3) | ||||
| CET1 | 12.2 | 12.1 | 11.9 | |
| Tier 1 | 12.9 | 12.1 | 11.9 | |
| Total capital ratio | 15.1 | 15.0 | 15.1 | |
| Other information | ||||
| Number of shareholders | 935,284 | 0.1 | 934,244 | 960,397 |
| Number of employees | 134,792 | (2.3) | 137,968 | 108,770 |
| Number of branches | 8,660 | (5.3) | 9,145 | 7,371 |
| Number of ATMs | 31,120 | 1.6 | 30,616 | 22,414 |