Main data

BBVA GROUP MAIN DATA (CONSOLIDATED FIGURES)

30-06-23 ∆% 30-06-22 31-12-22
Balance sheet (millions of euros)
Total assets 762,456 6.7 714,726 712,092
Loans and advances to customers (gross) 380,949 5.4 361,311 368,588
Deposits from customers 402,344 6.6 377,540 394,404
Total customer funds 558,083 6.5 524,238 544,576
Total equity 52,568 7.8 48,757 50,517
Income statement (millions of euros)
Net interest income 11,410 33.6 8,538 19,124
Gross income 14,148 23.9 11,417 24,743
Operating income 8,209 28.4 6,393 14,042
Net attributable profit (loss) 3,878 31.1 2,957 6,358
Net attributable profit (loss) excluding non-recurring impacts (1) 3,878 22.8 3,159 6,559
The BBVA share and share performance ratios
Number of shares issued (million) 5,965 (6.6) 6,387 6,030
Share price (euros) 7.03 62.4 4.33 5.63
Adjusted earning (loss) per share (euros) (1) 0.63 25.7 0.50 1.04
Earning (loss) per share (euros) (1) 0.62 41.1 0.44 0.98
Book value per share (euros) (1) 8.23 9.1 7.54 7.78
Tangible book value per share (euros) (1) 7.84 9.1 7.19 7.43
Market capitalization (millions of euros) 41,949 51.7 27,657 33,974
Dividend yield (dividend/price; %) (1)(2) 6.1 7.2 6.2
Significant ratios (%)
Adjusted ROE (net attributable profit (loss)/average shareholders' funds +/- average accumulated other comprehensive income) (1) 16.2 14.3 14.4
Adjusted ROTE (net attributable profit (loss)/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income) (1) 16.9 15.0 15.1
Adjusted ROA (profit (loss) for the period / average total assets - ATA) (1) 1.13 0.98 0.99
Adjusted RORWA (profit (loss) for the period / average risk-weighted assets - RWA) (1) 2.40 2.07 2.12
Efficiency ratio (1) 42.0 44.0 43.2
Cost of risk (1) 1.04 0.81 0.91
NPL ratio (1) 3.4 3.7 3.4
NPL coverage ratio (1) 80 78 81
Capital adequacy ratios (%)
CET1 fully-loaded 12.99 12.45 12.61
CET1 phased-in (3) 12.99 12.56 12.68
Total ratio phased-in (3) 16.79 16.21 15.98
Other information
Number of active customers (million) 69.6 9.1 63.8 67.3
Number of shareholders 778,810 (5.2) 821,537 801,216
Number of employees 119,070 5.9 112,465 115,675
Number of branches 6,008 (0.9) 6,062 6,040
Number of ATMs 29,891 1.3 29,504 29,807

(1) For more information, see Alternative Performance Measures at the end of this report.

(2) Calculated by dividing the dividends paid in the last twelve months by the closing price of the period.

(3) 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. As of June 30, 2023, there are no differences between phased-in and fully-loaded ratios due to the aforementioned temporary treatment.