Recurring revenue (net interest income plus fees and comissions)
21,130
8.5
19,481
Gross income
23,680
10.9
21,357
Operating expenses
12,317
12.5
10,951
Net attributable profit
2,642
0.9
2,618
Net attributable profit from ongoing operations (1)
3,752
43.3
2,618
Earnings per share (euros) (2)
0.60
45.0
0.41
Number of shares issued (million)
6,367
3.2
6,171
C) Significant ratios (%)
ROE (Net attributable profit/average equity)
5.3
5.6
ROA (Net income/average total assets)
0.46
0.50
Efficiency ratio
52.0
51.3
Cost of risk
1.06
1.25
NPL ratio
5.4
5.8
Coverage ratio
74
64
CET1 (3)
12.1
11.9
Total capital ratio (3)
15.0
15.1
2015
Var (%)
2014
Manufactured capital
Number of branches (4)
9,145
24.1
7,371
Number of ATMs (4)
30,616
36.6
22,414
Number of customers (millions) (4)
66
28.8
51
Number of digital customers (millions)
14.8
19.0
12.4
Number of mobile banking customers (millions)
8.5
44.7
5.9
Number of countries in which the Group operates
35
31
Intellectual capital
Number of followers in social networks (millions)
29
31.4
22
Number of profiles in social networks
175
4.2
168
Hours of training per year per employee
49
(5.0)
52
Annual investment in training for employees (million euros)
34
(0.9)
35
Human capital
Number of employees (4)
137,968
26.8
108,770
Number of people in the management team
1,858
(4.1)
1,937
Employee gender diversity (% women/workforce)
53.9
52.6
Gender diversity in the management team (% women/management team)
19.6
18.5
Employee satisfaction index (5)
77.3
77.3
Employee average age (years)
37
38
Job stability (% permanent employment)
94.4
94.0
Employee turnover (%) (6)
8.5
8.4
Net jobs created (7)
590
(647)
Participants in volunteer initiatives by BBVA employees (8)
8,148
18.2
6,894
2015
Var (%)
2014
Social and relationship capital
Investment in social programs (million euros)
103.6
(3.3)
107.2
Group's net attributable profit allocated to social programs (%)
3.9
4.1
Number of beneficiaries of financial literacy programs
1,536,208
10.9
1,385,447
Number of beneficiaries of education for society programs
290,116
(8.4)
316,692
Number of micro-entrepreneurs supported by BBVA Microfinance Foundation
1,712,801
10.9
1,544,929
Total volume of the loan portfolio of BBVA Microfinance Foundation (million euros) (9)
936
3.2
907
Average microloan (euros) (10)
1,046
1.9
1,026
Number of SMEs, micro-enterprises and self-employed people supported or financed by BBVA
1,720,968
5.3
1,634,540
Number of countries in which BBVA is first in IReNe (11)
7/10
4/10
Customer claims for each €1 billion of activity (12)
21
(84.0)
131
Average time for settling complaints (days)
11
12
Supplier turnover (million euros) (13)
8,442
17.5
7,186
Average payment period to suppliers (days)
23
-
23
Natural capital (14)
CO2 emission per person (T)
2.7
-
2.7
Paper consumption per person (T)
0.1
-
0.1
Water consumption per person (m3)
22.3
(7.1)
24.0
Electricity consumption per person (MWh)
6.4
-
6.4
People working in certified buildings (%)
33
-
18
Number of projects financed under the Equator Principles
26
(40.9)
44
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) It corresponds to the net attributable profit excluding results from corporate operations.
(2) From ongoing operations. Adjusted by traditional Tier I instrument remuneration.
(3) The capital ratios are calculated under CRD IV, applying a 40% phase-in for 2015.
(4) It includes Garanti figures since third quarter of 2015.
(5) There is no survey in odd years.
(6) Turnover rate (%): [Resignations (excluding early retirement)/People at start of period] x 100.
(7) It does not include new hires and losses due to changes in the scope of consolidation.
(8) Data estimated according to the information provided by participants. A volunteer can participate in more than one activity.
(9) Formed by current portfolio, defaulted portfolio and interest.
(10) Calculated as the cumulative total paid out in the year divided by the number of cumulative operations in the same period.
(11) IReNe = Customer Satisfaction Index. The satisfaction survey is not carried out in Turkey.
(12) Number of complaints procedures before the banking authorities. Not including The United States in 2014. The data for 2015 are provisional.
(13) Supplier with an annual turnover higher than €100,000.
(14) It includes BBVA Group employees and external occupants. For more information on the scope and calculation method of these indicators, see the Eco-efficiency chapter.
