31-12-14 ∆% 31-12-13   31-12-12
Balance sheet (million euros)          
Total assets 651,511 8.7 599,517   637,785
Loans and advances to customers (gross) 366,536 4.7 350,110   367,415
Deposits from customers 330,686 6.6 310,176   292,716
Other customer funds 115,274 16.2 99,213   91,776
Total customer funds 445,960 8.9 409,389   384,493
Total equity 51,609 15.1 44,850   43,802
Income statement (million euros) (1)          
Net interest income 15,116 3.4 14,613   15,122
Gross income 21,357 0.8 21,190   21,892
Operating income 10,406 4.2 9,989   11,106
Income before tax 4,063 59.7 2,544   749
Net attributable profit 2,618 25.7 2,084   1,676
Data per share and share performance ratios          
Share price (euros) 7.85 (12.2) 8.95   6.96
Net attributable profit per share (euros)(1) 0.44 23.2 0.36   0.30
Book value per share (euros) 8.01 0.1 8.00   8.00
P/BV (price/book value; times) 1.0   1.1   0.9
PER (price/earnings; times) 17.3   23.2   21.5
Yield (dividend/price; %) 4.5   4.1   6.0
Significant ratios (%)          
ROE (net attributable profit/average equity) 5.6   5.0   4.0
ROTE (net attributable profit/average tangible equity) 6.5   6.0   5.0
ROA (net income/average total assets) 0.50   0.48   0.37
RORWA (net income/average risk-weighted assets) 0.90   0.91   0.70
Efficiency ratio (1) 51.3   52.9   49.3
Cost of Risk 1.25   1.59   2.15
NPA ratio 5.8   6.8   5.1
NPA coverage ratio 64   60   72
Capital adequacy ratios (%) (2)          
Core capital 11.9   11.6   10.8
Tier I 11.9   12.2   10.8
BIS ratio 15.1   14.9   13.0
Non financial indicators (3)          
Global employee satisfaction index (%) 77   76   76
Gender diversity (ratio of women in the staff (%)) 53   53   53
Socially responsible mutual funds (SRI) (%) 13.9   5.1   2.6
Attributable profit dedicated to community involvement programs (%) 4.1   4.4   4.8
Number of beneficiaries of the Financial Literacy Plan 1,385,447   1,339,549   1,174,372
Number of microentepreneurs supported by the BBVA Microfinance Foundation 1,544,929   1,493,709   1,293,514
Other information          
Number of shares (millions) 6,171 6.7 5,786   5,449
Number of shareholders 960,397 (1.4) 974,395   1,012,864
Number of employees (4) 108,770 (0.5) 109,305   115,852
Number of branches (4) 7,371 (0.7) 7,420   7,878
Number of ATMs (4) 22,104 8.3 20,415   20,177
  1. Memorandum item: 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 accordance with Bank of Spain Circular 4/2004 and with its subsequent amendments. As regards the stake in the Garanti Group, the information is presented as in previous periods and consolidated in proportion to the percentage of the Group’s stake.
  2. (1) The Group income statement figures for the year 2013 have been restated following the change made in the accounting policy relating to contributions to the Deposit Guarantee Fund in Spain.
  3. (2) The capital ratios in 2014 have been calculated under the Basel III phased-in regulations. For previous periods, the calculation was done in accordance with the Basel II regulations in force at the time.
  4. (3) More details are provided in the Responsible Banking Report 2014 included in the web page www.bbvaresponsiblebanking.com.
  5. (4) Excluding Garanti.
31-12-14 ∆% 31-12-13   31-12-12
Information about the net attributable profit (excluding results from corporate operations)(1-2)      
Net attributable profit 2,618 107.7 1,260   373
Net attributable profit per share (euros) 0.44 101.5 0.22   0.08
ROE 5.6   3.1   0.9
ROTE 6.5   3.8   1.1
ROA 0.50   0.35   0.16
RORWA 0.90   0.66   0.31
  1. (1) In 2013 and 2012 the figures include the results from the pension business in Latin America, including the capital gains from their sale (in 2013); the capital gains from the sale of BBVA Panama (in 2013); the capital gains generated by the reinsurance operation on the individual life and accident insurance portfolio in Spain (in 2013); 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 (in 2013); the losses generated from the sale of BBVA Puerto Rico (in 2012); and Unnim badwill (in 2012).
  2. (2) The Group income statement figures for the year 2013 have been restated following the change made in the accounting policy relating to contributions to the Deposit Guarantee Fund in Spain.