BBVA Group highlights

(Consolidated figures)

	30-09-12	Δ%	30-09-11	31-12-11
Balance sheet (million euros)
Total assets	645,447	10.4	584,438	597,688
Customer lending (gross)	377,383	7.0	352,633	361,310
Deposits from customers	288,709	2.4	282,050	282,173
Other customer funds	160,113	16.7	137,252	144,291
Total customer funds	448,823	7.0	419,302	426,464
Total equity	43,750	9.7	39,868	40,058
Income Statement (million euros)
Net interest income	11,220	16.0	9,676	13,160
Gross income	17,103	13.6	15,052	20,566
Operating income	9,000	16.1	7,753	10,615
Income before tax	2,173	(47.6)	4,145	3,770
Net attributable profit	1,656	(47.3)	3,143	3,004
Net attributable profit adjusted (1)	3,345	(3.8)	3,478	4,505
Data per share and share performance ratios
Share price (euros)	6.11	(1.1)	6.18	6.68
Market capitalization (million euros)	32,901	10.3	29,817	32,753
Net attributable profit per share (euros)	0.32	(50.3)	0.64	0.62
Net attributable profit per share adjusted (euros) (1)	0.63	(11.4)	0.71	0.93
Book value per share (euros)	8.13	(5.6)	8.61	8.35
P/BV (Price/book value; times)	0.8		0.7	0.8
Significant Ratios (%)
ROE (Net attributable profit/Average equity)	5.3		11.3	8.0
ROE adjusted (1)	10.7		12.5	11.9
ROTE (Net attributable profit/Average tangible equity)	6.7		15.2	10.7
ROTE adjusted (1)	13.5		16.8	16.0
ROA (Net income/Average total assets)	0.46		0.83	0.61
ROA adjusted (1)	0.83		0.91	0.88
RORWA (Net income/Average risk-weighted assets)	0.85		1.46	1.08
RORWA adjusted (1)	1.53		1.60	1.55
Efficiency ratio	47.4		48.5	48.4
Risk premium	1.92		1.10	1.20
NPA ratio	4.8		4.1	4.0
NPA coverage ratio	69		60	61
Capital adequacy ratios (%)
Core capital	10.8		9.1	10.3
Tier 1	10.8		9.8	10.3
BIS Ratio	13.3		12.6	12.9
Other Information
Number of shares (millions)	5,382	11.6	4,825	4,903
Number of shareholders	1,007,410	2.7	981,348	987,277
Number of employees (2)	117,475	6.2	110,625	110,645
Number of branches (2)	8,072	8.6	7,436	7,457
Number of ATMs (2)	20,181	10.9	18,192	18,794

General note: These quarterly statements have not been audited. 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 2011, during the fourth quarter, US goodwill imparment charge. In 2011 and 2012, impairment charge related to the deterioration of the real estate sector in Spain. And in the third quarter of 2012, impact of Unnim badwill. (2) Excluding Garanti.