BBVA Group highlights
BBVA Group highlights (Consolidated figures)
| IFRS 9 | IAS 39 | |||
|---|---|---|---|---|
| 31-12-18 | ∆% | 31-12-17 | 31-12-16 | |
| Balance sheet (million euros) | ||||
| Total assets | 676,689 | (1.9) | 690,059 | 731,856 |
| Loans and advances to customers (gross) | 386,225 | (3.5) | 400,369 | 430,474 |
| Deposits from customers | 375,970 | (0.1) | 376,379 | 401,465 |
| Other customer funds | 128,103 | (5.0) | 134,906 | 132,092 |
| Total customer funds | 504,073 | (1.4) | 511,285 | 533,557 |
| Total equity | 52,874 | (0.8) | 53,323 | 55,428 |
| Income statement (million euros) | ||||
| Net interest income | 17,591 | (0.9) | 17,758 | 17,059 |
| Gross income | 23,747 | (6.0) | 25,270 | 24,653 |
| Operating income | 12,045 | (5.7) | 12,770 | 11,862 |
| Profit/(loss) before tax | 7,580 | 9.4 | 6,931 | 6,392 |
| Net attributable profit | 5,324 | 51.3 | 3,519 | 3,475 |
| The BBVA share and share performance ratios | ||||
| Number of shares (million) | 6,668 | - | 6,668 | 6,567 |
| Share price (euros) | 4.64 | (34.8) | 7.11 | 6.41 |
| Earning per share (euros) (1) | 0.76 | 55.9 | 0.48 | 0.49 |
| Book value per share (euros) | 7.12 | 2.2 | 6.96 | 7.22 |
| Tangible book value per share (euros) | 5.86 | 2.9 | 5.69 | 5.73 |
| Market capitalization (million euros) | 30,909 | (34.8) | 47,422 | 42,118 |
| Yield (dividend/price; %) | 5.4 | - | 4.2 | 5.8 |
| Significant ratios (%) | ||||
| ROE (net attributable profit/average shareholders' funds +/- average accumulated other comprehensive income) (2) |
11.6 | - | 7.4 | 7.3 |
| ROTE (net attributable profit/average shareholders' funds excluding intangible assets +/- average accumulated other comprehensive income) (2) |
14.1 | - | 9.1 | 9.2 |
| ROA (profit or loss for the year/average total assets) | 0.91 | - | 0.68 | 0.64 |
| RORWA (profit or loss for the year/average risk-weighted assets - RWA) | 1.74 | - | 1.27 | 1.19 |
| Efficiency ratio | 49.3 | - | 49.5 | 51.9 |
| Cost of risk | 1.01 | - | 0.89 | 0.85 |
| NPL ratio | 3.9 | - | 4.6 | 5.0 |
| NPL coverage ratio | 73 | - | 65 | 70 |
| Capital adequacy ratios (%) | ||||
| CET1 fully-loaded | 11.3 | - | 11.1 | 10.9 |
| CET1 phased-in (3) | 11.6 | - | 11.7 | 12.2 |
| Tier 1 phased-in (3) | 13.2 | - | 13.0 | 12.9 |
| Total ratio phased-in (3) | 15.7 | - | 15.5 | 15.1 |
| Other information | ||||
| Number of shareholders | 902,708 | 1.3 | 891,453 | 935,284 |
| Number of employees | 125,627 | (4.7) | 131,856 | 134,792 |
| Number of branches | 7,963 | (3.7) | 8,271 | 8,660 |
| Number of ATMs | 32,029 | 1.1 | 31,688 | 31,120 |
- General note: data as of 31-12-17 and 31-12-16 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 10.1%, in 2018; 6.7%, in 2017; and 6.9%, in 2016; and the ROTE at 12.0%, 8.0% and 8.6%, respectively.
- (3) As of December,31 2018 phased-in ratios include the temporary treatment on the impact of IFRS 9, calculated in accordance with Article 473 bis of Capital Requirements Regulation (CRR). The capital ratios are calculated under CRD IV from Basel III regulation, in which a phase-in of 80% is applied for 2017 and a phase-in of 60% for 2016.