BBVA Group Highlights

(Consolidated figures)

	31-12-13	Δ%	31-12-12	31-12-11
Balance sheet (million euros)
Total assets	599,482	(6.0)	637,785	597,688
Loans and advances to customers (gross)	350,110	(4.7)	367,415	361,310
Deposits from customers	310,176	6.0	292,716	282,173
Other customer funds ⁽¹⁾	99,213	8.1	91,774	85,962
Total customer funds ⁽¹⁾	409,389	6.5	384,491	368,135
Total equity	44,815	2.3	43,802	40,058
Income statement (million euros)
Net interest income	14,613	(3.4)	15,122	13,152
Gross income	21,397	(2.3)	21,892	19,528
Operating income	10,196	(8.2)	11,106	9,791
Income before tax	2,750	267.3	749	2,946
Net attributable profit	2,228	32.9	1,676	3,004
Data per share and share performance ratios
Share price (euros)	8.95	28.6	6.96	6.68
Net attributable profit per share (euros) ⁽²⁾	0.39	24.3	0.31	0.60
Book value per share (euros)	8.18	1.8	8.04	8.35
P/BV (Price/book value; times)	1.1		0.9	0.8
PER (Price/earnings; times)	23.2		21.5	10.9
Yield (Dividend/price; %)	4.1		6.0	6.3
Significant ratios (%)
ROE (Net attributable profit/average equity)	5.0		4.0	8.0
ROTE (Net attributable profit/average tangible equity)	6.0		5.0	10.7
ROA (Net income/average total asets)	0.48		0.37	0.61
RORWA (Net income/average risk-weighted assets)	0.91		0.70	1.08
Efficiency ratio	52.3		49.3	49.9
Risk premium	1.59		2.15	1.20
NPA ratio	6.8		5.1	4.0
NPA coverage ratio	60		72	61
Capital adequacy ratios (%)
Core capital	11.6		10.8	10.3
Tier I	12.2		10.8	10.3
BIS II ratio	14.9		13.0	12.9
Non financial indicators ⁽³⁾
Global employee satisfaction index (%)	76		76	73
Gender diversity (ratio of women in the staff; %)	53		53	52
Socially responsible mutual funds (SRI) (%)	5.1		2.6	2.4
Attributable profit dedicated to social programs (%)	4.4		4.8	2.5
Number of beneficiaries of the financial literacy Plan	256,359		251,637	123,768
Number of microentepreneurs supported by the BBVA Microfinance foundation	1,493,709		1,293,514	948,508
Other information
Number of shares (millions)	5,786	6.2	5,449	4,903
Number of shareholders	974,395	(3.8)	1,012,864	987,277
Number of employees ⁽⁴⁾	109,305	(5.7)	115,852	110,645
Number of branches ⁽⁴⁾	7,512	(5.8)	7,978	7,457
Number of ATMs ⁽⁴⁾	20,415	1.2	20,177	18,794

General note: 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. As for the stake in Garanti Group, the information is presented on an on-going basis, accounted for by the and, therefore, without early application of the IFRS 10, 11 and 12. (1) They do not include the assets under management by pension fund administrators in Chile, Mexico, Colombia and Peru.
(2) which includes the eventual dilution of the contingent convertible securities into shares, issued in the second quarter of 2013.
(3) More details are provided in the information on corporate responsibility 2013 included in the web page www.bancaparatodos.com.
(4) Excluding Garanti. Excel

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Profit-adjusted information ⁽¹⁾	31-12-13	Δ%	31-12-12	31-12-11
Net attributable profit	3,195	(28.9)	4,490	4,127
Net attributable profit per share (euros) ⁽²⁾	0.56	(29.7)	0.80	0.81
ROE	7.1		10.7	10.9
ROTE	8.6		13.4	14.7
ROA	0.64		0.82	0.81
RORWA	1.20		1.54	1.43

(1) Adjusted excluding the results from corporate operations (2013, 2012 and 2011), the classification of refinanced loans (2013), the result of real-estate activity in Spain (2013, 2012 and 2011) and the United States goodwill impairment (2011).
(2) which includes the eventual dilution of the contingent convertible securities into shares, issued in the second quarter of 2013.

Net interest income plus fees and commissions (Million euros) (1) At constant exchange rates: +3.5%.	Efficiency ratio (Percentage)
Net attributable profit (Million euros) (1) At constant exchange rates: +55.1%.	Net attributable profit per share ⁽¹⁾ (Euros) (1) Basic earnings per share which includes the eventual dilution of the contingent convertible securities into shares, issued in the second quarter of 2013.
Core capital (Million euros)	Core capital ratio (Percentage)