Logotype

BBVA in 2012

Print this page
BBVA Group Highlights

(Consolidated figures)

Excel Download Excel

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)


Tools