BBVA Group Highlights

(Consolidated figures)

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	31-12-12	Δ%	31-12-11	31-12-10
Balance Sheet (million euros)
Total assets	637,860	6.7	597,688	552,738
Customer lending (gross)	367,415	1.7	361,310	348,253
Deposits from customers	292,716	3.7	282,173	275,789
Other customer funds	159,285	10.4	144,291	146,188
Total customer funds	452,001	6.0	426,464	421,977
Total equity	43,803	9.3	40,058	37,475
Income Statement (million euros)
Net interest income	15,122	15.0	13,152	13,316
Gross income	22,441	12.1	20,028	20,333
Operating income	11,655	13.3	10,290	11,573
Income before tax	1,659	(51.9)	3,446	6,059
Net attributable profit	1,676	(44.2)	3,004	4,606
Net attributable profit excluding adjusted (1)	4,406	(2.2)	4,505	4,872
Data per share and share performance ratios
Share price (euros)	6.96	4.2	6.68	7.56
Market capitalization (million euros)	37,924	15.8	32,753	33,951
Net attributable profit per share (euros)	0.32	(47.3)	0.62	1.10
Net attributable profit per share excluding adjusted (euros) (1)	0.82	(10.3)	0.92	1.16
Book value per share (euros)	8.04	(3.8)	8.35	8.17
P/BV (Price/book value; times)	0.9		0.8	0.9
PER (Price/Earnings; times)	21.5		10.9	7.4
Yield (Dividend/Price; %)	6.0		6.3	5.6
Significant Ratios (%)
ROE (Net attributable profit/Average equity)	4.0		8.0	15.7
ROE excluding adjusted (1)	10.5		11.9	16.6
ROTE (Net attributable profit/Average tangible equity)	5.0		10.7	22.0
ROTE excluding adjusted (1)	13.2		16.0	23.3
ROA (Net income/Average total assets)	0.37		0.61	0.89
ROA excluding adjusted (1)	0.81		0.88	0.94
RORWA (Net income/Average risk-weighted assets)	0.70		1.08	1.64
RORWA excluding adjusted (1)	1.51		1.55	1.73
Efficiency ratio	48.1		48.6	44.2
Risk premium	2.16		1.20	1.33
NPA ratio	5.1		4.0	4.1
NPA coverage ratio	72		61	62
Capital adequacy ratios (%)
Core capital	10.8		10.3	9.6
Tier 1	10.8		10.3	10.5
BIS Ratio	13.0		12.9	13.7
Other Information
Number of shares (millions)	5,449	11.1	4,903	4,491
Number of shareholders	1,012,864	2.6	987,277	952,618
Number of employees (2)	115,852	4.7	110,645	106,976
Number of branches (2)	7,978	7.0	7,457	7,361
Number of ATMs (2)	20,177	7.4	18,794	17,055

General note: 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 2011 during the fourth quarter, US goodwill impairment charge. In 2010, 2011 and 2012, impairment charge related to the deterioration of the real estate sector in Spain. And in the third quarter of 2012, impact of Unnim badwill. (2) Excluding Garanti