Adjusted ROE (net attributable profit (loss)/average shareholders' funds +/- average accumulated other
comprehensive income) (2)
14.6
11.4
6.1
Adjusted ROTE (net attributable profit (loss)/average shareholders' funds excluding average intangible
assets +/- average accumulated other comprehensive income) (2)
15.3
12.0
6.5
Adjusted ROA (Profit (loss) for the period / average total assets - ATA) (2)
1.00
0.94
0.54
Adjusted RORWA (Profit (loss) for the period / average risk-weighted assets - RWA) (2)
2.14
2.01
1.16
Efficiency ratio (2)
43.2
45.2
45.1
Cost of risk (2)
0.91
0.93
1.55
NPL ratio (2)
3.4
4.1
4.2
NPL coverage ratio (2)
81
75
82
Capital adequacy ratios (%)
CET1 fully-loaded
12.61
12.75
11.73
CET1 phased-in (4)
12.68
12.98
12.15
Total ratio phased-in (4)
15.98
17.24
16.46
Other information
Number of customers (million) (1)
89.3
8.6
82.2
78.8
Number of shareholders
801,216
(3.1)
826,835
879,226
Number of employees
115,675
4.7
110,432
123,174
Number of branches
6,040
(0.7)
6,083
7,432
Number of ATMs
29,807
2.3
29,148
31,000
(1) Excludes BBVA USA and the rest of the companies in the United States sold to PNC on June 1, 2021 and BBVA Paraguay as of 31-12-20.
(2) For more information, see Alternative Performance Measures at the end of this report.
(3) Calculated by dividing the dividends paid in the last twelve months by the closing price of the period.
(4) Phased-in ratios include the temporary treatment on the impact of IFRS 9, calculated in accordance with Article 473 bis amendments of the Capital Requirements Regulation (CRR), introduced by the Regulation (EU) 2020/873.
