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BBVA Group highlights

BBVA Group highlights

(Consolidated figures)


31-12-11 Δ% 31-12-10 31-12-09
Balance sheet (million euros)
Total assets 597,688 8.1 552,738 535,065
Customer lending (gross) 361,310 3.7 348,253 332,162
Customer funds on balance sheet 282,173 2.3 275,789 254,183
Other customer funds 144,291 (1.3) 146,188 135,632
Total customer funds 426,464 1.1 421,977 389,815
Total equity 40,058 6.9 37,475 30,763
Shareholders’ funds 40,952 11.6 36,689 29,362
Income statement (million euros)
Net interest income 13,160 (1.2) 13,320 13,882
Gross income 20,566 (1.6) 20,910 20,666
Operating income 10,615 (11.1) 11,942 12,308
Income before tax 3,770 (41.3) 6,422 5,736
Net attributable profit 3,004 (34.8) 4,606 4,210
Net attributable profit excluding one-offs (1) 4,015 (12.8) 4,606 5,260
Data per share and share performance ratios
Share price (euros) 6.68 (11.6) 7.56 12.73
Market capitalization (million euros) 32,753 (3.5) 33,951 47,712
Net attributable profit per share (euros) 0.64 (44.1) 1.14 1.07
Net attributable profit per share excluding one-offs (euros) (1) 0.85 (25.5) 1.14 1.33
Book value per share (euros) 8.35 2.2 8.17 7.83
P/BV (Price/Book value; times) 0.8
0.9 1.6
PER (Price/Earnings; times) 10.9
7.4 11.3
Yield (Dividend/Price; %) 6.3
5.6 3.3
Significant ratios (%)
ROE (Net attributable profit/Average equity) 8.0
15.8 16.0
ROE excluding one-offs (1) 10.6
15.8 20.0
ROA (Net income/Average total assets) 0.61
0.89 0.85
ROA excluding one-offs (1) 0.79
0.89 1.04
RORWA (Net income/Average risk-weighted assets) 1.08
1.64 1.56
RORWA excluding one-offs (1) 1.40
1.64 1.92
Efficiency ratio 48.4
42.9 40.4
Risk premium 1.20
1.33 1.54
NPA ratio 4.0
4.1 4.3
NPA coverage ratio 61
62 57
Capital adequacy ratios (%)
Core capital 10.3
9.6 8.0
Tier I 10.3
10.5 9.4
BIS Ratio 12.9
13.7 13.6
Other information
Number of shares (millions) 4,903 9.2 4,491 3,748
Number of shareholders 987,277 3.6 952,618 884,373
Number of employees (2) 110,645 3.4 106,976 103,721
Number of branches (2) 7,457 1.3 7,361 7,466
Number of ATMs (2) 18,794 10.2 17,055 15,716
General note: These quarterly statements have not been audited. The consolidated accounts of the BBVA Group have been drawn up according to the International Financial Reporting Standards (IFRS) adopted by the European Union and in conformity with Bank of Spain Circular 4/2004, together with the changes introduced therein. (1) In the fourth quarter of 2011 a charge was booked for goodwill impairment in the United States. The third quarter, both for 2009 and 2010, includes capital gains from the sale-and-leaseback of retail branches which have been allocated to generic provisions for NPA, with no effect on net attributable profit, and in the fourth quarter of 2009, there was a charge for extraordinary provisions and a charge for goodwill impairment in the United States (2) Excluding Garanti.
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