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January-September 2013

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BBVA Group highlights

BBVA Group Highlights

(Consolidated figures)

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30-09-13 Δ% 30-09-12 31-12-12
Balance sheet (million euros)



Total assets 607,177 (5.9) 645,447 637,785
Customer lending (gross) 356,986 (5.4) 377,383 367,415
Deposits from customers 303,656 5.2 288,709 292,716
Other customer funds (1) 95,109 5.3 90,287 91,774
Total customer funds (1) 398,765 5.2 378,997 384,491
Total equity 47,355 8.2 43,750 43,802
Income statement (million euros)



Net interest income 10,853 (3.2) 11,212 15,122
Gross income 16,303 (1.7) 16,583 22,441
Operating income 7,954 (8.1) 8,652 11,655
Income before tax 2,926 60.1 1,827 1,659
Net attributable profit 3,077 85.8 1,656 1,676
Data per share and share performance ratios



Share price (euros) 8.26 35.1 6.11 6.96
Market capitalization (million euros) 47,283 43.7 32,901 37,924
Net attributable profit per share (euros) (2) 0.54 79.0 0.30 0.31
Book value per share (euros) 8.27 1.8 8.13 8.04
P/BV (Price/Book value; times) 1.0
0.8 0.9
Significant ratios (%)



ROE (Net attributable profit/Average equity) 9.2
5.3 4.0
ROTE (Net attributable profit/Average tangible equity) 11.4
6.7 5.0
ROA (Net income/Average total assets) 0.79
0.46 0.37
RORWA (Net income/Average risk-weighted assets) 1.49
0.85 0.70
Efficiency ratio 51.2
47.8 48.1
Risk premium 1.67
1.92 2.15
NPA ratio 6.7
4.8 5.1
NPA coverage ratio 60
69 72
Capital adequacy ratios (%)



Core capital 11.4
10.8 10.8
Tier I 11.5
10.8 10.8
BIS Ratio 13.6
13.3 13.0
Other information



Number of shares (millions) 5,724 6.4 5,382 5,449
Number of shareholders 980,481 (2.7) 1,007,410 1,012,864
Number of employees (3) 113,293 (3.6) 117,475 115,852
Number of branches (3) 7,688 (4.8) 8,072 7,978
Number of ATMs (3) 20,282 0.5 20,181 20,177
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. As for the stake in Garanti Group, the information is presented on an on-going basis, accounted for by the proportional consolidation method and, therefore, without early application of the IFRS 10, 11 and 12. (1) They do not include the assets under management by pension fund administrators in Chile, Mexico, Colombia and Peru. (2) Basic earnings per share which includes the eventual dilution of the contingent convertible securities into shares, issued in the second quarter of 2013. (3) Excluding Garanti.
Profit-adjusted information (1) 30-09-13 Δ% 30-09-12 31-12-12
Net attributable profit 2,638 (31.5) 3,850 5,025
Net attributable profit per share adjusted (euros) (2) 0.47 (32.3) 0.69 0.90
ROE 7.9
12.3 11.9
ROTE 9.7
15.5 15.0
ROA 0.69
0.94 0.91
RORWA 1.31
1.73 1.70
(1) Adjusted based on the result of real-estate activity in Spain, the profit from the pension business in Latin America, the badwill from Unnim, the reinsurance operation on the individual life-risk insurance portfolio in Spain and of the new classification of refinanced loans. (2) Basic earnings per share which includes the eventual dilution of the contingent convertible securities into shares, issued in the second quarter of 2013.
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