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Annual Report 2014 BBVA Group Business areas Primary stakeholders

Solvency

Solid capital position 

CET1 Ratio evolution

(%, phased-in)

 
 
 
 
 
 
 
 
 
 
11.9%12.1%
December 2014
December 2015
 
 
0
 
2
 
4
 
6
 
8
 
10
 
12
 
14
 
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  December 2014 December 2015
11.9% 12.1%

High quality capital

(%)

RWAs/ Total Assets

 
 
 
 
 
 
 
 
 
53%33%
BBVA
European Peer Group Average
 
 
0
 
10
 
20
 
30
 
40
 
50
 
60
 
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  BBVA European Peer Group Average
APRs/Total activos 53% 33%

Leverage ratio

 
 
 
 
 
 
 
 
 
 
 
6.0%4.5%
BBVA
European Peer Group Average
 
 
0
 
1
 
2
 
3
 
4
 
5
 
6
 
7
 
8
 
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  BBVA European Peer Group Average
Leverage ratio fully-loaded 6.0% 4.5%

​European Peer Group: BARC, BNPP, CASA, CS, CMZ, DB, HSBC, ISP, LBG, RBS, SAN, SG, UBS, UCG. Figures as of September 2015  

 

Well above 2016 ECB minimum requirement 

​

+234 bps CET1 buffer above SREP requirement 

(*) BBVA has been excluded from the Financial Stability Board from G-SIB list with effect as of 1st January 2017. Therefore, this G-SIB buffer will no longer be applicable to BBVA. Nevertheless, Bank of Spain has communicated to BBVA its consideration as a domestic systemic financial institution (D-SIB) and it is required to hold a D-SIB buffer of 0.5% on a consolidated basis. This buffer will be phased-in in four years and will be fully implemented in 2019. 


​A detailed explanation about the Group's solvency can be found in the Consolidated Annual Accounts, the Management Report and the Auditors´ Report and in the Pillar III report.