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BBVA Group Highlights

(Consolidated figures)

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  31-12-10 D% 31-12-09 31-12-08
BALANCE SHEET (million euros)        
Total assets 552,738 3.3 535,065 542,650
Total lending (gross) 348,253 4.8 332,162 342,682
Customer funds on balance sheet 378,388 1.7 371,999 376,380
Other customer funds 147,572 7.6 137,105 119,028
Total customer funds 525,960 3.3 509,104 495,408
Total equity 37,475 21.8 30,763 26,705
Stockholders' funds 36,689 25.0 29,362 26,586
INCOME STATEMENT (million euros)        
Net interest income 13,320 (4.0) 13,882 11,686
Gross income 20,910 1.2 20,666 18,978
Operating income 11,942 (3.0) 12,308 10,523
Income before tax 6,422 12.0 5,736 6,926
Net attributable profit 4,606 9.4 4,210 5,020
Net attributable profit excluding one-offs (1) 4,606 (12.4) 5,260 5,414
DATA PER SHARE AND SHARE PERFORMANCE RATIOS        
Share price (euros) 7.56 (40.6) 12.73 8.66
Market capitalization (million euros) 33,951 (28.8) 47,712 32,457
Net attributable profit per share (euros) (2) 1.17 8.3 1.08 1.31
Net attributable profit per share excluding one-offs (euros) (1 - 2) 1.17 (13.3) 1.35 1.41
Dividend per share (euros) (3) 0.42 - 0.42 0.63
Book value per share (euros) 8.17 4.3 7.83 7.09
Tangible book value per share (euros) (4) 6.27 6.3 5.90 4.99
P/BV (Price/book value; times) 0.9
1.6 1.2
Price/tangible book value (times) (4) 1.2
2.2 1.7
PER (Price/Earnings; times) 7.4
11.3 6.5
Yield (Dividend/Price; %) (3) 5.6
3.3 7.3
SIGNIFICANT RATIOS (%)        
ROE (Net attributable profit/Average equity) 15.8
16.0 21.5
ROE excluding one-offs (1) 15.8
20.0 23.2
ROA (Net income/Average total assets) 0.89
0.85 1.04
ROA excluding one-offs (1) 0.89
1.04 1.12
RORWA (Net income/Average risk-weighted assets) 1.64
1.56 1.94
RORWA excluding one-offs (1) 1.64
1.92 2.08
Efficiency ratio 42.9
40.4 44.6
Risk premium 1.33
1.54 0.83
NPA ratio 4.1
4.3 2.3
NPA coverage ratio 62
57 92
CAPITAL ADEQUACY RATIOS (%)        
BIS Ratio 13.7
13.6 12.2
Core capital 9.6
8.0 6.2
Tier I 10.5
9.4 7.9
OTHER INFORMATION        
Number of shares (millions) 4,491
3,748 3,748
Number of shareholders 952,618
884,373 903,897
Number of employees 106,976
103,721 108,972
Number of branches 7,361
7,466 7,787
Number of ATMs 16,995
15,716 14,888
General note: 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 conformity with Bank of Spain Circular 4/2004, together with the changes introduced therein. (1) In the third quarter, both for 2009 and 2010, includes capital gains from the sale-and-leaseback of retail branches which have been allocated to generic provisions for NPA, with no effect on net attributable profit. And in the fourth quarter of 2009, there was an extraordinary provision and a charge for goodwill impairment in the United States. In 2008, capital gains from Bradesco in the first quarter, provisions for non-recurrent early retirements in the second and fourth quarters and provision for the loss originated by the Madoff fraud in the fourth quarter. (2) Earnings per share for periods prior to the share capital increase have been adjusted to the said capital increase as per IAS 33. (3) The dividend corresponding to 2008 includes €0.501 in cash and €0.129 stock dividend (delivery of shares valued at April 17th, 2009 closing price). (4) Net of goodwill.

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