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Annual Report 2014
 

Financial and non-financial information

BBVA in 2015

€750 BN

Total assets

€3,752 M

Net attributable profit from ongoing operations

66

Million customers

Letter from the Group Executive Chairman

"BBVA has made much progress in 2015. Based on a very sound business model with great growth potential, we have the best business project in the financial industry" 

Purpose of BBVA

Our Purpose is to bring the age of opportunity to everyone

 

 

 

 

 

 

 

 

 

 

 

 

Results 2015

1

Revenue growth

2

Cost control

3

Decrease in provisions

4

Corporate operations

 

Net attributable profit M€ 

 

​​ 

Gross income

 

€23,680 M

+10.9% vs. 2014

€ constant

+15.7% vs. 2014

Operating income

 

€11,363 M

+9.2% vs. 2014

€ constant

+15.6% vs. 2014

Net attributable profit

 

€2,642 M

+0.9% vs. 2014

€ constant

+4.4% vs. 2014

Business areas

Relevant aspects of the business areas of BBVA Group
Discover more on each section of the map

  • Banking activity Spain
  • Real-Estate activity Spain
  • Activity

    Year-on-year changes, balances as of 31-12-2015

    13.1%

    Loans and advances to customers

    +17.8%

    Customer funds under management

    Risks

    NPL ratio (%)

    Coverage ratio (%)
     
    December

    2014

    December

    2015

    Results M€

    3,302

    Operating income

    1,046

    Net attributable profit

    Full information about the performance of the area

  • Net exposure (billion euros)

    Risks

    Coverage ratio (%)

    NPL ratio (%)
     
    December

    2014

    December

    2015

    Results M€

    -150

    Operating income

    -492

    Net attributable profit

    Full information about the performance of the area

Rest of Eurasia

Activity

Year-on-year changes, at constant exchange rates. Balances as of 31-12-2015

+2.2%

Loans and advances to customers

+35.4%

Customer funds under management

Risks 

Coverage ratio (%)

NPL ratio (%)
 
December

2014

December

2015

Results M€

121

Operating income

76

Net attributable profit

Full information about the performance of the area


Turkey

Activity

Year-on-year changes, at constant exchange rate. Balances as of 31-12-2015

+18.8%

Loans and advances to customers

+21.0%

Customer funds under management

Risks

Coverage ratio (%)

NPL ratio (%)
 
December

2014

December

2015

Results M€

1,273

Operating income

371

Net attributale profit

Full information about the performance of the area

Mexico

Activity

Year-on-year changes, at constant exchange rate. Balances as of 31-12-2015 

+10.7%

Loans and advances to customers

+12.2%

Customer funds under management

Risks

Coverage ratio (%)

NPL ratio (%)
 
December

2014

December

2015

Results M€

4,456

Operating income

2,090

Net attributable profit

Full information about the performance of the area

South America

Activity

Year-on-year changes, at constant exchange rates. Balances as of 31-12-2015 

+15.7%

Loans and advances to customers

+17.1%

Customer funds under management

Risks

Coverage ratio (%)

NPL ratio (%)
 
December

2014

December

2015

Results M€

2,498

Operating income

905

Net attributable profit

Full information about the performance of the area

The United States

Activity

Year-on-year changes, at constant exchange rate. Balances as of 31-12-2015 

+9.4%

Loans and advances to customers

+7.7%

Customer funds under management

Risks

Coverage ratio (%)

NPL ratio (%)
 
December

2014

December

2015

Results M€

846

Operating income

573

Net attributable profit

Full information about the performance of the area

​​

Our Primary Stakeholders

BBVA seeks to achieve a positive impact on the lives of people and societies across its global footprint in order to build relationships of trust with their primary stakeholders

 

14.8 M

customers

manage their finances through digital channels (a penetration of 33%)

137,968

employees

received €5,047 M in salaries and wages

934,244

shareholders

received €1,014 M of remuneration in cash 

4,598

suppliers

were paid €8,442 M 

€8,157 M

in taxes

accrued and collected from BBVA's business activity

€22,246 M

of economic value