BBVA Group highlights

BBVA Group highlights (Consolidated figures)

31-12-17 ∆% 31-12-16 31-12-15
Balance sheet (million euros)
Total assets 690,059 (5.7) 731,856 749,855
Loans and advances to customers (gross) 400,369 (7.0) 430,474 432,855
Deposits from customers 376,379 (6.2) 401,465 403,362
Other customer funds 134,906 2.1 132,092 131,822
Total customer funds 511,285 (4.2) 533,557 535,184
Total equity 53,323 (3.8) 55,428 55,282
Income statement (million euros)
Net interest income 17,758 4.1 17,059 16,426
Gross income 25,270 2.5 24,653 23,680
Operating income 12,770 7.7 11,862 11,363
Profit/(loss) before tax 6,931 8.4 6,392 5,879
Net attributable profit 3,519 1.3 3,475 2,642
The BBVA share and performance ratios
Number of shares (millions) 6,668 1.5 6,567 6,367
Share price (euros) 7.11 10.9 6.41 6.74
Earning per share (euros) (1) 0.48 (0.7) 0.49 0.37
Book value per share (euros) 6.96 (3.6) 7.22 7.47
Tangible book value per share (euros) 5.69 (0.6) 5.73 5.88
Market capitalization (million euros) 47,422 12.6 42,118 42,905
Yield (dividend/price; %) 4.2 5.8 5.5
Significant ratios (%)
ROE (net attributable profit/average shareholders' funds) (2) 6.4 6.7 5.2
ROTE (net attributable profit/average shareholders' funds excluding intangible assets) (2) 7.7 8.2 6.4
ROA (profit or loss for the year/average total assets) 0.68 0.64 0.46
RORWA (profit or loss for the year/average risk-weighted assets) 1.27 1.19 0.87
Efficiency ratio 49.5 51.9 52.0
Cost of risk 0.87 0.84 1.06
NPL ratio 4.4 4.9 5.4
NPL coverage ratio 65 70 74
Capital adequacy ratios (%)
CET1 fully-loaded 11.1 10,9 10,3
CET1 phased-in (3) 11.7 12.2 12.1
Tier 1 phased-in (3) 13.0 12.9 12.1
Total ratio phased-in (3) 15.4 15.1 15.0
Other information
Number of shareholders 891,453 (4.7) 935,284 934,244
Number of employees 131,856 (2.2) 134,792 137,968
Number of branches 8,271 (4.5) 8,660 9,145
Number of ATMs 31,688 1.8 31,120 30,616
  • (1) Adjusted by additional Tier 1 instrument remuneration.
  • (2) The ROE and ROTE ratios include in the denominator the Group’s average shareholders’ funds, but do not take into account the caption within total equity named “Accumulated other comprehensive income” with an average balance of -€1,139m in 2015, -€4,492m in 2016 and -€7,015 in 2017.
  • (3) The capital ratios are calculated under CRD IV from Basel III regulation, applying a 80% phase-in for 2017 and a 60% for 2016.