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BBVA in 2013

Additional information: Corporate & Investment Banking

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Highlights in 2013

  • New improvement of the commercial and liquidity gaps.
  • Strength and quality of revenue.
  • Cost control.
  • Reduction in loan-loss provisions.
  • High contribution from Global Transaction Banking and Global Markets.
Income statement

(Million euros)

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Corporate & Investment Banking

2013 Δ% Δ% (1) 2012 2011
Net interest income 1,642 (0.5) 4.7 1,650 1,637
Net fees and commissions 733 2.4 5.5 716 652
Net trading income 655 162.9 222.4 249 191
Other income/expenses 6 (87.2) (90.6) 44 81
Gross income 3,036 14.2 20.2 2,659 2,561
Operating expenses (900) 0.9 4.0 (892) (845)
Personnel expenses (481) (4.3) (2.5) (503) (483)
General and administrative expenses (398) 7.8 12.6 (369) (355)
Depreciation and amortization (21) 4.5 11.5 (20) (7)
Operating income 2,136 20.9 28.6 1,767 1,716
Impairment on financial assets (net) (94) (43.3) (43.1) (165) (48)
Provisions (net) and other gains (losses) (34) 147.8 241.6 (14) (13)
Income before tax 2,008 26.5 35.2 1,588 1,655
Income tax (582) 26.6 35.5 (460) (459)
Net income 1,426 26.4 35.0 1,128 1,196
Non-controlling interests (159) 23.2 48.9 (129) (83)
Net attributable profit 1,267 26.9 33.4 999 1,112
(1) At constant exchange rates.
Balance sheet

(Million euros)

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Corporate & Investment Banking

31-12-13 Δ% Δ% (1) 31-12-12 31-12-11
Cash and balances with central banks 2,724 (79.2) (78.5) 13,075 13,187
Financial assets 79,266 (5.8) (4.4) 84,153 64,738
Loans and receivables 64,134 (3.3) (0.8) 66,313 71,717
Loans and advances to customers 45,592 (5.8) (2.4) 48,403 53,048
Loans and advances to credit institutions and others 18,542 3.5 3.4 17,910 18,669
Inter-area positions 12,486 (15.9) (9.4) 14,840 11,466
Tangible assets 47 17.8 21.6 40 28
Other assets 2,650 (22.0) (18.8) 3,399 2,643
Total assets/Liabilities and equity 161,308 (11.3) (9.0) 181,820 163,779
Deposits from central banks and credit institutions 59,350 (21.9) (20.9) 76,037 67,879
Deposits from customers 45,132 23.0 33.9 36,690 38,826
Debt certificates (128) (43.8) (43.8) (228) (70)
Subordinated liabilities 1,253 (21.1) (19.3) 1,588 2,149
Inter-area positions - - - - -
Financial liabilities held for trading 46,608 (17.6) (17.3) 56,550 45,012
Other liabilities 5,176 (15.7) (13.8) 6,142 5,861
Economic capital allocated 3,917 (22.3) (19.7) 5,041 4,121
(1) At constant exchange rates.
Relevant business indicators

(Million euros and percentage)

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Corporate & Investment Banking

31-12-13 31-12-12 31-12-11
Performing loans (1) 45,355 46,301 58,158
Customer deposits under management (1-2) 34,750 26,605 30,744
Mutual funds 713 858 839
Pension funds 0 0 0
Efficiency ratio (%) 29.6 33.6 33.0
NPA ratio (%) 1.6 1.5 0.8
NPA coverage ratio (%) 80 71 103
Risk premium (%) 0.19 0.29 0.09
(1) Figures at constant exchange rates.
(2) Excluding repos.
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