BBVA Group Highlights

(Consolidated figures)

	31-12-12	Δ%	31-12-11	31-12-10
Balance sheet (million euros)
Total assets	637,785	6.7	597,688	552,738
Customer lending (gross)	367,415	1.7	361,310	348,253
Deposits from customers	292,716	3.7	282,173	275,789
Other customer funds	159,285	10.4	144,291	146,188
Total customer funds	452,001	6.0	426,464	421,977
Total equity	43,802	9.3	40,058	37,475
Income statement (million euros)
Net interest income	15,122	15.0	13,152	13,316
Gross income	22,441	12.1	20,028	20,333
Operating income	11,655	13.3	10,290	11,573
Income before tax	1,659	(51.9)	3,446	6,059
Net attributable profit	1,676	(44.2)	3,004	4,606
Net attributable profit adjusted ⁽¹⁾	4,406	(2.2)	4,505	4,872
Data per share and share performance ratios
Share price (euros)	6.96	4.2	6.68	7.56
Earning per share adjusted (euros) ⁽¹⁾	0.82	(10.3)	0.92	1.16
Book value per share (euros)	8.04	(3.8)	8.35	8.17
P/BV (Price/book value; times)	0.9		0.8	0.9
PER (Price/earnings; times)	21.5		10.9	7.4
Yield (Dividend/price; %)	6.0		6.3	5.6
Significant ratios (%)
ROE (Net attributable profit adjusted/average equity) ⁽¹⁾	10.5		11.9	16.6
ROTE (Net attributable profit adjusted/average tangible equity) ⁽¹⁾	13.2		16.0	23.3
ROA (Net income adjusted/average total assets) ⁽¹⁾	0.81		0.88	0.94
RORWA(Net income adjusted/average risk – weighted assets)⁽¹⁾	1.51		1.55	1.73
Efficiency ratio	48.1		48.6	43.1
Risk premium	2.16		1.20	1.33
NPA ratio	5.1		4.0	4.1
NPA coverage ratio	72		61	62
Capital adequacy ratios (%)
Core capital	10.8		10.3	9.6
Tier I	10.8		10.3	10.5
BIS II ratio	13.0		12.9	13.7
Non financial indicators
Individual customer satisfaction rate (%) ⁽²⁾	7.1		7.5	7.5
Number of jobs created (net) ⁽³⁾	3,773		3,200	3,255
Global employee satisfaction index ⁽⁴⁾	76		n.a.	73
Diversity: Ratio of men to women in the staff (%)	47/53		48/52	48/52
Socially responsible mutual funds (SRI) (%) ⁽⁵⁾	2.6		2.4	2.1
Attributable profit dedicated to community involvement programs (%) ⁽⁶⁾	4.8		2.5	1.7
Number of beneficiaries of the Global Financial Literacy Plan	1,159,032		814,483	416,325
Number of microentepreneurs supported by the BBVA Microfinance Foundation	1,293,514		948,508	620,584
Other information
Number of shares (millions)	5,449	11.1	4,903	4,491
Number of shareholders	1,012,864	2.6	987,277	952,618
Number of employees ⁽⁷⁾	115,852	4.7	110,645	106,976
Number of branches ⁽⁷⁾	7,978	7.0	7,457	7,361
Number of ATMs ⁽⁷⁾	20,177	7.4	18,794	17,055

General note: These 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) In 2011, during the fourth quarter, United States goodwill imparment charge. In 2010, 2011 and 2012, impairment charge related to the deterioration of the real-estate sector in Spain. And in 2012, impact of Unnim badwill.
(2) 1 - 10 scale. Only for Spain, according to the consolidation scope of each year. Source: FRS Inmark.
(3) Staff variation, without considering the inclusion of Unnim and the sale of Puerto Rico in 2012.
(4) Biannual survey. Without considering Unnim employees, as the survey was carried out before its incorporation to BBVA Group.
(5) As percentage of total investment and pension funds under management.
(6) Attributable profit allocated, according to the LBG model for measuring and communicating corporate community investment.
(7) Excluding Garanti.

Gross income (million euros)	Efficiency ratio (Percentage)
Net attributable profit ⁽¹⁾ (Million euros) (1) Adjusted	Earning per share ⁽¹⁾ (Euros) (1) Adjusted
Core capital (Million euros)	Core capital ratio (Percentage)