BBVA Group highlights

BBVA Group highlights (Consolidated figures)

IFRS 9 IAS 39
30-09-18 ∆% 30-09-17 31-12-17
Balance sheet (million euros)
Total assets 668,985 (3.2) 690,797 690,059
Loans and advances to customers (gross) 383,111 (8.0) 416,240 400,369
Deposits from customers 365,687 (6.9) 392,865 376,379
Other customer funds 132,798 (3.6) 137,724 134,906
Total customer funds 498,485 (6.1) 530,589 511,285
Total equity 51,097 (6.1) 54,400 53,323
Income statement (million euros)
Net interest income 12,899 (2.3) 13,202 17,758
Gross income 17,596 (6.9) 18,908 25,270
Operating income 8,875 (6.8) 9,522 12,770
Profit/(loss) before tax 6,012 (0.0) 6,015 6,931
Net attributable profit 4,323 25.3 3,449 3,519
The BBVA share and share performance ratios
Number of shares (million) 6,668 0.0 6,668 6,668
Share price (euros) 5.49 (27.4) 7.56 7.11
Earning per share (euros) (1) 0.62 26.7 0.49 0.48
Book value per share (euros) 6.94 (2.4) 7.11 6.96
Tangible book value per share (euros) 5,70 (1.6) 5.79 5.69
Market capitalization (million euros) 36,607 (27.4) 50,416 47,422
Yield (dividend/price; %) 4.4 3.8 4.2
Significant ratios (%)
ROE (net attributable profit/average shareholders' funds +/-
average accumulated other comprehensive income) (2)
12.2 9.6 7.4
ROTE (net attributable profit/average shareholders' funds
excluding intangible assets +/- average accumulated
other comprehensive income) (2)
14.8 11.9 9.1
ROA (profit or loss for the year/average total assets) 0.95 0.82 0.68
RORWA (profit or loss for the year/average risk-weighted assets - RWA) 1.82 1.53 1.27
Efficiency ratio 49.6 49.6 49.5
Cost of risk 0.90 0.94 0.89
NPL ratio 4.1 4.6 4.6
NPL coverage ratio 73 72 65
Capital adequacy ratios (%)
CET1 fully-loaded 11.3 11.2 11.1
CET1 phased-in (3) 11.6 11.9 11.7
Tier 1 phased-in (3) 13.3 13.1 13.0
Total ratio phased-in (3) 15.9 15.7 15.5
Other information
Number of shareholders 895,809 (0.6) 900,807 891,453
Number of employees 126,357 (4.3) 132,019 131,856
Number of branches 7,999 (4.5) 8,374 8,271
Number of ATMs 31,396 0.6 31,214 31,688
  • General note: data as of 30-09-17 and 31-12-17 are presented for comparison purposes only.
  • (1) Adjusted by additional Tier 1 instrument remuneration.
  • (2) The ROE and ROTE ratios include, in the denominator, the Group’s average shareholders’ funds and take into account  ​the item called “Accumulated other comprehensive income”, which forms part of the equity. Excluding this item, the ROE would stand at 10.0%, in January-September of 2018; 8.5%, in January-September of 2017; and 6.4%, in ​ 2017; and the ROTE at 11.8%, 10.2% and 7.7%, respectively.
  • (3) As of September 30, 2018 phased-in ratios include the temporary treatment on​ the impact of IFRS9​ , calculated in accordance with Article 473 bis of Capital Resquirements Regulation (CRR). For 2017, the capital ratios are calculated under CRD IV from Basel III regulation, ​in which a phase​-in​ of 80% is applied.