January-December 2013
BBVA Group highlights
BBVA Group Highlights
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|
31-12-13 |
Δ% |
31-12-12 |
31-12-11 |
| Balance sheet (million euros) |
|
|
|
|
| Total assets |
599,482 |
(6.0) |
637,785 |
597,688 |
| Loans and advances to customers (gross) |
350,110 |
(4.7) |
367,415 |
361,310 |
| Deposits from customers |
310,176 |
6.0 |
292,716 |
282,173 |
| Other customer funds (1) |
99,213 |
8.1 |
91,774 |
85,962 |
| Total customer funds (1) |
409,389 |
6.5 |
384,491 |
368,135 |
| Total equity |
44,815 |
2.3 |
43,802 |
40,058 |
| Income statement (million euros) |
|
|
|
|
| Net interest income |
14,613 |
(3.4) |
15,122 |
13,152 |
| Gross income |
21,397 |
(2.3) |
21,892 |
19,528 |
| Operating income |
10,196 |
(8.2) |
11,106 |
9,791 |
| Income before tax |
2,750 |
267.3 |
749 |
2,946 |
| Net attributable profit |
2,228 |
32.9 |
1,676 |
3,004 |
| Data per share and share performance ratios |
|
|
|
|
| Share price (euros) |
8.95 |
28.6 |
6.96 |
6.68 |
| Market capitalization (million euros) |
51,773 |
36.5 |
37,924 |
32,753 |
| Net attributable profit per share (euros) (2) |
0.39 |
24.9 |
0.31 |
0.60 |
| Book value per share (euros) |
8.18 |
1.8 |
8.04 |
8.35 |
| P/BV (Price/book value; times) |
1.1 |
|
0.9 |
0.8 |
| PER (Price/Earnings; times) |
23.2 |
|
21.5 |
10.9 |
| Yield (Dividend/Price;%) |
4.1 |
|
6.0 |
6.3 |
| Significant ratios (%) |
|
|
|
|
| ROE (Net attributable profit/average equity) |
5.0 |
|
4.0 |
8.0 |
| ROTE (Net attributable profit/average tangible equity) |
6.0 |
|
5.0 |
10.7 |
| ROA (Net income/average total assets) |
0.48 |
|
0.37 |
0.61 |
| RORWA (Net income/average risk-weighted assets) |
0.91 |
|
0.70 |
1.08 |
| Efficiency ratio |
52.3 |
|
49.3 |
49.9 |
| Risk premium |
1.59 |
|
2.15 |
1.20 |
| NPA ratio |
6.8 |
|
5.1 |
4.0 |
| NPA coverage ratio |
60 |
|
72 |
61 |
| Capital adequacy ratios (%) |
|
|
|
|
| Core capital |
11.6 |
|
10.8 |
10.3 |
| Tier I |
12.2 |
|
10.8 |
10.3 |
| BIS Ratio |
14.9 |
|
13.0 |
12.9 |
| Other information |
|
|
|
|
| Number of shares (millions) |
5,786 |
6.2 |
5,449 |
4,903 |
| Number of shareholders |
974,395 |
(3.8) |
1,012,864 |
987,277 |
| Number of employees (3) |
109,305 |
(5.7) |
115,852 |
110,645 |
| Number of branches (3) |
7,512 |
(5.8) |
7,978 |
7,457 |
| Number of ATMs (3) |
20,415 |
1.2 |
20,177 |
18,794 |
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. As for the stake in Garanti Group, the information is presented on an on-going basis, accounted for by the proportional consolidation method and, therefore, without early application of the IFRS 10, 11 and 12.
(1) They do not include the assets under management by pension fund administrators in Chile, Mexico, Colombia and Peru.
(2) Basic earnings per share which includes the eventual dilution of the contingent convertible securities into shares, issued in the second quarter of 2013.
(3) Excluding Garanti.
| Profit-adjusted information (1) |
31-12-13 |
Δ% |
31-12-12 |
31-12-11 |
| Net attributable profit |
3,195 |
(28.9) |
4,490 |
4,127 |
| Net attributable profit per share adjusted (euros) (2) |
0.56 |
(29.4) |
0.80 |
0.81 |
| ROE |
7.1 |
|
10.7 |
10.9 |
| ROTE |
8.6 |
|
13.4 |
14.7 |
| ROA |
0.64 |
|
0.82 |
0.81 |
| RORWA |
1.20 |
|
1.54 |
1.43 |
(1) Adjusted excluding the results from corporate operations, the result of real-estate activity in Spain and the classification of refinanced loans.
(2) Basic earnings per share which includes the eventual dilution of the contingent convertible securities into shares, issued in the second quarter of 2013.
