BBVA Group highlights
| BBVA Group highlights (Consolidated figures) |
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30-09-11 | ∆% | 30-09-10 | 31-12-10 |
| Balance sheet (million euros) |
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| Total assets | 584,438 | 4.8 | 557,761 | 552,738 |
| Customer lending (gross) | 352,633 | 2.8 | 343,084 | 348,253 |
| Customer funds on balance sheet | 282,050 | 10.3 | 255,798 | 275,789 |
| Other customer funds | 136,588 | (4.4) | 142,902 | 146,188 |
| Total customer funds | 418,638 | 5.0 | 398,700 | 421,977 |
| Total equity | 39,868 | 21.1 | 32,909 | 37,475 |
| Shareholders’ funds | 41,552 | 31.5 | 31,610 | 36,689 |
| Income statement (million euros) |
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| Net interest income | 9,676 | (5.0) | 10,182 | 13,320 |
| Gross income | 15,052 | (5.7) | 15,964 | 20,910 |
| Operating income | 7,753 | (16.8) | 9,322 | 11,942 |
| Income before tax | 4,145 | (21.2) | 5,260 | 6,422 |
| Net attributable profit | 3,143 | (14.3) | 3,668 | 4,606 |
| Data per share and share performance ratios |
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| Share price (euros) | 6.18 | (37.6) | 9.91 | 7.56 |
| Market capitalization (million euros) | 29,817 | (19.7) | 37,124 | 33,951 |
| Net attributable profit per share (euros) | 0.66 | (26.9) | 0.90 | 1,16 |
| Book value per share (euros) | 8.61 | 2.1 | 8.43 | 8,17 |
| P/BV (Price/Book value; times) | 0.7 |
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1.2 | 0.9 |
| Significant ratios (%) |
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| ROE (Net attributable profit/Average equity) | 11.3 |
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17.2 | 15.8 |
| ROA (Net income/Average total assets) | 0.83 |
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0.95 | 0.89 |
| RORWA (Net income/Average risk-weighted assets) | 1.46 |
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1.75 | 1.64 |
| Efficiency ratio | 48.5 |
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41.6 | 42.9 |
| Risk premium | 1.10 |
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1.38 | 1.33 |
| NPA ratio | 4.1 |
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4.1 | 4.1 |
| NPA coverage ratio | 60 |
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62 | 62 |
| Capital adequacy ratios (%) |
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| BIS Ratio | 12.6 |
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12.8 | 13.7 |
| Core capital | 9.1 |
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8.2 | 9.6 |
| Tier I | 9.8 |
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9.2 | 10.5 |
| Other information |
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| Number of shares (millions) | 4,825 | 28.7 | 3,748 | 4,491 |
| Number of shareholders | 981,348 | 10.4 | 889,104 | 952,618 |
| Number of employees (1) | 110,625 | 5.1 | 105,265 | 106,976 |
| Number of branches (1) | 7,436 | 1.0 | 7,362 | 7,361 |
| Number of ATMs (1) | 18,192 | 9.5 | 16,619 | 17,055 |
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.
(1) Excluding Garanti.