€750 BN
Total assets
€3,752 M
Net attributable profit from ongoing operations
66
Million customers
Letter from the Group Executive Chairman
"BBVA has made much progress in 2015. Based on a very sound business model with great growth potential, we have the best business project in the financial industry"
Main highlights
Follow the links to read more on other BBVA websites
Purpose of BBVA
Our Purpose is to bring the age of opportunity to everyone
Marianna Wickman
New standard in customer experience
Javier Escobedo
Drive digital sales
Teppo Tapio Paavola
New business models
Jaime Sáenz De Tejada
Optimize capital allocation
Ricardo Gómez Barredo
Unrivaled efficiency
Donna DeAngelis
A first class workforce
Results 2015
1
Revenue growth
2
Cost control
3
Decrease in provisions
4
Corporate operations
Net attributable profit M€
Gross income
€23,680 M
+10.9% vs. 2014
€ constant
+15.7% vs. 2014
Operating income
€11,363 M
+9.2% vs. 2014
€ constant
+15.6% vs. 2014
Net attributable profit
€2,642 M
+0.9% vs. 2014
€ constant
+4.4% vs. 2014
Business areas
Relevant aspects of the business areas of BBVA Group
Discover more on each section of the map
- Banking activity Spain
- Real-Estate activity Spain
-
Activity
Year-on-year changes, balances as of 31-12-2015
13.1%
Loans and advances to customers
+17.8%
Customer funds under management
Risks
NPL ratio (%) 
Coverage ratio (%) December
2014
December
2015
Results M€
3,302
Operating income
1,046
Net attributable profit
-
Net exposure (billion euros)
Risks
Coverage ratio (%) 
NPL ratio (%) December
2014
December
2015
Results M€
-150
Operating income
-492
Net attributable profit
Rest of Eurasia
Activity
Year-on-year changes, at constant exchange rates. Balances as of 31-12-2015
+2.2%Loans and advances to customers |
+35.4%Customer funds under management |
Risks
| Coverage ratio (%) |
|
|
| NPL ratio (%) | ||
December2014 |
December2015 |
|
Results M€
121Operating income |
76Net attributable profit |
Full information about the performance of the area
Turkey
Activity
Year-on-year changes, at constant exchange rate. Balances as of 31-12-2015
+18.8%Loans and advances to customers |
+21.0%Customer funds under management |
Risks
| Coverage ratio (%) |
|
|
| NPL ratio (%) | ||
December2014 |
December2015 |
|
Results M€
1,273Operating income |
371Net attributale profit |
Mexico
Activity
Year-on-year changes, at constant exchange rate. Balances as of 31-12-2015
+10.7%Loans and advances to customers |
+12.2%Customer funds under management |
Risks
| Coverage ratio (%) |
|
|
| NPL ratio (%) | ||
December2014 |
December2015 |
|
Results M€
4,456Operating income |
2,090Net attributable profit |
South America
Activity
Year-on-year changes, at constant exchange rates. Balances as of 31-12-2015
+15.7%Loans and advances to customers |
+17.1%Customer funds under management |
Risks
| Coverage ratio (%) |
|
|
| NPL ratio (%) | ||
December2014 |
December2015 |
|
Results M€
2,498Operating income |
905Net attributable profit |
The United States
Activity
Year-on-year changes, at constant exchange rate. Balances as of 31-12-2015
+9.4%Loans and advances to customers |
+7.7%Customer funds under management |
Risks
| Coverage ratio (%) |
|
|
| NPL ratio (%) | ||
December2014 |
December2015 |
|
Results M€
846Operating income |
573Net attributable profit |
Our Primary Stakeholders
BBVA seeks to achieve a positive impact on the lives of people and societies across its global footprint in order to build relationships of trust with their primary stakeholders
14.8 M
customers
manage their finances through digital channels (a penetration of 33%)
137,968
employees
received €5,047 M in salaries and wages
934,244
shareholders
received €1,014 M of remuneration in cash
4,598
suppliers
were paid €8,442 M
€8,157 M
in taxes
accrued and collected from BBVA's business activity
€22,246 M
of economic value
generated, which accounts for 0.5% of the GDP of the economies in which BBVA operates
