BBVA Group highlights

BBVA Group highlights (Consolidated figures)

30-09-17 ∆% 30-09-16 31-12-16
Balance sheet (million euros)
Total assets 690,797 (4.7) 724,627 731,856
Loans and advances to customers (gross) 416,240 (1.6) 422,844 430,474
Deposits from customers 392,865 2.0 385,348 401,465
Other customer funds 137,724 5.3 130,833 132,092
Total customer funds 530,589 2.8 516,181 533,557
Total equity 54,400 (2.7) 55,81 55,428
Income statement (million euros)
Net interest income 13,202 4.2 12,674 17,059
Gross income 18,908 2.6 18,431 24,653
Operating income 9,522 7.2 8,882 11,862
Profit/(loss) before tax 6,015 17.8 5,017 6,392
Net attributable profit 3,449 23.3 2,797 3,475
The BBVA share and performance ratios
Number of shares (millions) 6,668 2.9 6,480 6,567
Share price (euros) 7.56 40.5 5.38 6.41
Earning per share (euros) (1) 0.49 22.1 0.40 0.49
Book value per share (euros) 7.11 (3.0) 7.33 7.22
Tangible book value per share (euros) 5.79 (1.4) 5.88 5.73
Market capitalization (million euros) 50,416 44.6 34,877 42,118
Yield (dividend/price; %) 3.8 6.9 5.8
Significant ratios (%)
ROE (net attributable profit/average shareholders' funds) (2) 8.5 7.2 6.7
ROTE (net attributable profit/average shareholders' funds excluding intangible assets) (2) 10.2 9.0 8.2
ROA (profit or loss for the year/average total assets -ATAs-) 0.82 0.67 0.64
RORWA (profit or loss for the year/average risk-weighted assets) 1.53 1.26 1.19
Efficiency ratio 49.6 51.8 51.9
Cost of risk 0.93 0.92 0.84
NPL ratio 4.5 5.1 4.9
NPL coverage ratio 72 72 70
Capital adequacy ratios (%) (3)
CET1 fully-loaded 11.2 11.0 10.9
CET1 phased-in (3) 11.9 12.3 12.2
Tier 1 phased-in (3) 13.1 13.0 12.9
Total ratio phased-in (3) 15.7 16.0 15.1
Other information
Number of shareholders 900,807 (4.9) 947,244 935,284
Number of employees 132,019 (3.1) 136,244 134,792
Number of branches 8,374 (4.4) 8,761 8,660
Number of ATMs 31,214 1.0 30,890 31,120
  • (1) Adjusted by additional Tier 1 instrument remuneration.
  • (2) The ROE and ROTE ratios include in the denominator the Group’s average shareholders’ funds, but do not take into account the caption within total equity named “Accumulated other comprehensive income” with an average balance of -€4,260m in January-September 2016, –€4,492m in 2016 and -€6,519m in January-September 2017.
  • (3) The capital ratios are calculated under CRD IV from Basel III regulation, applying a 80% phase-in for 2017 and a 60% for 2016.