BBVA in figures

A summary of 2016

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Banks play a simple role in society: to attract the savings of families, companies and other agents, with the aim of preserving them and making them grow, and to lend them, with rigor and prudence, to third parties. These loans can drive the development of personal, corporate and public-sector projects that make the improvement of our present and future possible.

Financial performance

The difference between what the bank pays for deposits and the interest it charges for loans, i.e. the net interest income, is its main source of revenue. Recurring revenues, which are the sum of net interest income and income from fees and commissions, allow the bank to cover its overheads, including salaries and payments to suppliers, and secure a profit , which is subsequently distributed by the payment of taxes and dividends. The role of banks thus has a positive impact on society. It also requires the maintenance of levels of capital that are sufficient to keep the entity solvent

Results

Revenue growth, cost control and decrease in loan-loss provisions

  • 24,653

    GROSS INCOME (M€)

      +14.2%

  • 11,862

    OPERATING INCOME (M€)

      +16.9%

  • 3,475

    NET ATTRIBUTABLE PROFIT (M€)

      +61.2%

Year-on-year rates of change at constant exchange rates

Balance sheet and business activity

Activity at very similar levels to the previous year in an adverse environment. Reduction of non-performing loans

Profitability / Efficiency

Improving profitability and efficiency ratios

Risk management

Improving risk indicators

Solvency

Strong capital base

Impact on people

In addition to its role as a bank, BBVA strives to achieve its Purpose of bringing the age of opportunity to everyone and the aspiration to strengthen its relationships with its customers. We help people and companies make the best financial decisions by offering advice and transparent, clear and responsible information. And this because we believe that we are more than just a bank: we are creators of opportunities. Our Purpose and our aspiration therefore have a positive impact on people's lives. BBVA, Creating Opportunities.

Wealth creation

  • 935,284

    shareholders received €1,043m of remuneration in cash

  • 134,792

    employees earned €5,267m in salaries and wages

  • 39

    hours of training per year per employee, with an investment of €45.5m

  • 4,240

    suppliers were paid €7,751m

  • €9,440 M

    in taxes accrued and collected from BBVA's business activity

  • €24,692 M

    of economic value generated, which accounts for 0.5% of the GDP of the economies in which BBVA operates

Contribution to growth and welfare

  • 70 million

    customers in 35 countries; 18 million digital customers

  • €122,758 M

    of homes financed

  • €33,418 M

    of pension funds managed

  • 2.5 million

    SMEs, micro-enterprises and self-employed workers supported or financed by BBVA

  • 9.8 million

    customers in financial inclusion segment

  • 1.8 million

    micro-entrepreneurs supported or financed with €1,009m from the BBVA Microfinance Foundation

Direct contribution to society

  • €93.3 M

    allocated to social programs, 2.7% of the Group's net attributable profit

  • 150,165

    participants have been benefited by programs of education in values

  •  

    2.5 Million

    people have participated in financial education programs

  •  

    €25 M

    dedicated to knowledge, education and culture programs

Contribution to sustainable development

  •   5.8%

    reduction in CO2 emission per person

  •   5.02%

    reduction in water consumption per person

  •   €5,350 M

    of green and social bond issues placed

  •   €4,444 M

    allocated for financing renewable energy operations

  •   40%

    of the workforce works in environmentally certified buildings

Business areas

(Gross income. Year-on-year changes at constant exchange rates. In the case of Turkey, year-on-year changes in comparable terms)

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SPAIN

ACTIVITY

Year-on-year changes. Balances as of 31-12-2016

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NET EXPOSURE

Billion euros

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THE UNITED STATES

ACTIVITY

Year-on-year changes at constant exchange rate. Balances as of 31-12-2016

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TURKEY

ACTIVITY

Year-on-year changes at constant exchange rate. Balances as of 31-12-2016

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MEXICO

ACTIVITY

Year-on-year changes at constant exchange rate. Balances as of 31-12-2016

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SOUTH AMERICA

ACTIVITY

Year-on-year changes at constant exchange rates. Balances as of 31-12-2016

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REST OF EURASIA

ACTIVITY

Year-on-year changes. Balances as of 31-12-2016

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