BBVA Group highlights

BBVA Group highlights (Consolidated figures)

31-03-17 ∆% 31-03-16 31-12-16
Balance sheet (million euros)
Total assets 719,193 (2.9) 740,947 731,856
Loans and advances to customers (gross) 431,899 0.8 428,515 430,474
Deposits from customers 398,499 (2.6) 409,208 401,465
Other customer funds 135,290 3.2 131,072 132,092
Total customer funds 533,789 (1.2) 540,280 533,557
Total equity 54,918 0.7 54,516 55,428
Income statement (million euros)
Net interest income 4,322 4.1 4,152 17,059
Gross income 6,383 10.3 5,788 24,653
Operating income 3,246 24.2 2,614 11,862
Profit/(loss) before tax 2,065 54.3 1,338 6,392
Net attributable profit 1,199 69.0 709 3,475
The BBVA share and share performance ratios
Number of shares (millions) 6,567 3.1 6,367 6,567
Share price (euros) 7.27 24.4 5.84 6.41
Earning per share (euros) (1) 0.17 72.4 0.10 0.49
Book value per share (euros) 7.32 0.4 7.29 7.22
Tangible book value per share (euros) 5.88 2.1 5.76 5.73
Market capitalization (million euros) 47,739 28.4 37,194 42,118
Yield (dividend/price; %) 5.1 6.3 5.8
Significant ratios (%)
ROE (net attributable profit/average shareholders' funds) (2) 9.1 5.6 6.7
ROTE (net attributable profit/average shareholders' funds excluding intangible assets) (2) 11.1 7.0 8.2
ROA (profit or loss for the year/average total assets) 0.84 0.52 0.64
RORWA (profit or loss for the year/average risk-weighted assets) 1.56 0.98 1.19
Efficiency ratio 49.1 54.8 51.9
Cost of risk 0.90 0.92 0.84
NPL ratio 4.8 5.3 4.9
NPL coverage ratio 71 74 70
Capital adequacy ratios (%) (3)
CET1 fully-loaded 11.0 10.5 10.9
CET1 phased-in (3) 11.6 11.6 12.2
Tier 1 phased-in (3) 12.8 12.1 12.9
Total ratio phased-in (3) 15.3 15.0 15.1
Other information
Number of shareholders 919,274 (2.4) 942,343 935,284
Number of employees 133,007 (3.2) 137,445 134,792
Number of branches 8,499 (7.3) 9,173 8,660
Number of ATMs 31,185 1.3 30,794 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 -€4,120m in 1Q16, -€4,492m in 2016 and -€5,743m in 1Q17.
  • (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.