financial statements 2015
BBVA Group highlights
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BBVA Group highlights
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|
Million euros |
| 31-12-15 |
Δ % |
31-12-14 |
31-12-13 |
| Balance sheet (million euros) |
|
|
|
|
| Total assets |
750,078 |
15.1 |
651,511 |
599,517 |
| Loans and advances to customers (gross) |
432,855 |
18.1 |
366,536 |
350,110 |
| Deposits from customers |
403,069 |
21.9 |
330,686 |
310,176 |
| Other customer funds |
130,104 |
9.5 |
118,851 |
102,195 |
| Total customer funds |
533,173 |
18.6 |
449,537 |
412,371 |
| Total equity |
55,439 |
7.4 |
51,609 |
44,565 |
| Income statement (million euros) |
|
|
|
|
| Net interest income |
16,426 |
8.7 |
15,116 |
14,613 |
| Gross income |
23,680 |
10.9 |
21,357 |
21,190 |
| Operating income |
11,363 |
9.2 |
10,406 |
9,989 |
| Income before tax |
5,879 |
44.7 |
4,063 |
2,544 |
| Net attributable profit |
2,642 |
0.9 |
2,618 |
2,084 |
| Data per share and share performance ratios |
|
|
|
|
| Share price (euros) |
6.74 |
(14.2) |
7.85 |
8.95 |
| Market capitalization (million euros) |
42,905 |
(11.5) |
48,470 |
51,773 |
| Earning per share (euros) (1) |
0.39 |
(6.1) |
0.41 |
0.34 |
| Book value per share (euros) (2) |
7.47 |
(6.7) |
8.01 |
7.35 |
| P/BV (Price/book value; times) |
0.9 |
(8.0) |
1.0 |
1.2 |
| PER (Price/Earnings; times) |
13.2 |
(23.3) |
17.3 |
23.2 |
| Yield (Dividend/Price; %) |
5.5 |
31.5 |
4.2 |
4.7 |
| Significant ratios (%) |
|
|
|
|
| ROE (Net attributable profit/average equity) |
5.3 |
|
5.6 |
5.0 |
| ROTE (Net attributable profit/average equity excluding intangible assets) |
6.6 |
|
6.8 |
5.0 |
| ROA (Net income/average total asets) |
0.46 |
|
0.50 |
0.48 |
| RORWA (Net income/average risk-weighted assets) |
0.87 |
|
0.90 |
0.91 |
| Efficiency ratio |
52.0 |
|
51.3 |
52.9 |
| Cost of risk |
1.06 |
|
1.25 |
1.59 |
| NPL ratio |
5.4 |
|
5.8 |
6.8 |
| NPL coverage ratio |
74 |
|
64 |
60 |
| Capital adequacy ratios (%)(3) |
|
|
|
|
| CET1 |
12.1 |
|
11.9 |
11.6 |
| Tier I |
12.1 |
|
11.9 |
12.2 |
| Total ratio |
15.0 |
|
15.1 |
14.9 |
| Other Information |
|
|
|
|
| Number of shares (millions) |
6,367 |
3.2 |
6,171 |
5,786 |
| Number of shareholders |
934,244 |
(2.7) |
960,397 |
974,395 |
| Number of employees (4) |
137,968 |
26.8 |
108,770 |
109,305 |
| Number of branches (4) |
9,145 |
24.1 |
7,371 |
7,420 |
| Number of ATMs (4) |
30,616 |
36.6 |
22,414 |
20,556 |
General note: Since the third quarter of 2015, the total stake in Garanti (39.90%) is consolidated by the full integration method. For previous years, the financial information provided in this document is presented integrated in the proportion corresponding to the percentage of the Group’s stake at that time (25.01%).
(1) Adjusted by additional Tier I instrument remuneration.
(2) Numerator= equity plus valuation adjustments; denominator= number of shares outstanding minus treasury stock. All data refers to a specific date.
(3) The capital ratios in 2014 and 2015 are calculated under CRD IV from Basel III regulation, applying a 40% phase in for 2015. For periods prior to 2014, the calculation was done in accordance with the Basel II regulations.
(4) Includes Garanti since the third quarter 2015.
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| Information about the net attributable profit from ongoing operations (1) |
Million euros |
| 31-12-15 |
Δ % |
31-12-14 |
31-12-13 |
| Net attributable profit (million euros) |
3,752 |
43.3 |
2,618 |
1,260 |
| Earninig per share (euros) |
0.60 |
45.0 |
0.41 |
0.21 |
| ROE (%) |
7.6 |
|
5.6 |
3.1 |
| ROTE (%) |
9.4 |
|
6.8 |
3.1 |
| ROA (%) |
0.62 |
|
0.50 |
0.35 |
| RORWA (%) |
1.17 |
|
0.90 |
0.66 |
(1) Corresponds to the net attributable profit excluding results from corporate operations, which in 2015 include the capital gains from the various sale operations equivalent to 6.34% of BBVA Group’s stake in CNCB, the effect of the valuation at fair value of the 25.01% initial stake held by BBVA in Garanti, the impact of the sale of BBVA’s 29.68% stake in CIFH and the badwill from the CX operation. 2013 figures include the results from the pension business in Latin America, including the capital gains from their sale; the capital gains from the sale of BBVA Panama; the capital gains generated by the reinsurance operation on the individual life and accident insurance portfolio in Spain; the equity-accounted earnings from CNCB (excluding dividends), together with the effect of the mark-to-market valuation of BBVA’s stake in CNCB following the agreement concluded with the CITIC group, which included the sale of 5.1% of CNCB.
