BBVA Group highlights
BBVA Group highlights (Consolidated figures)
| 31-03-19 | ∆% | 31-03-18 | 31-12-18 | |
|---|---|---|---|---|
| Balance sheet (million euros) | ||||
| Total assets | 691,200 | 0.8 | 685,688 | 676,689 |
| Loans and advances to customers (gross) | 393,321 | 3.0 | 381,683 | 386,225 |
| Deposits from customers | 378,527 | 5.1 | 360,213 | 375,970 |
| Total customer funds | 481,754 | 4.9 | 459,113 | 474,120 |
| Total equity | 53,547 | 2.9 | 52,043 | 52,874 |
| Income statement (million euros) | ||||
| Net interest income | 4,420 | 3.1 | 4,287 | 17,591 |
| Gross income | 6,069 | 0.7 | 6,026 | 23,747 |
| Operating income | 3,147 | 3.2 | 3,050 | 12,045 |
| Net attributable profit | 1,164 | (9.8) | 1,290 | 5,324 |
| The BBVA share and share performance ratios | ||||
| Number of shares (million) | 6,668 | - | 6,668 | 6,668 |
| Share price (euros) | 5.09 | (20.8) | 6.43 | 4.64 |
| Earning per share (euros) (1) | 0.16 | (9.7) | 0.18 | 0.76 |
| Book value per share (euros) | 7.20 | 5.4 | 6.83 | 7.12 |
| Tangible book value per share (euros) | 5.94 | 6.1 | 5.60 | 5.86 |
| Market capitalization (million euros) | 33,960 | (20.8) | 42,868 | 30,909 |
| Yield (dividend/price; %) | 4.9 | 3.4 | 5.4 | |
| Significant ratios (%) | ||||
| ROE (net attributable profit/average shareholders' funds +/- average accumulated other comprehensive income) (2) |
9.9 | 11.5 | 11.5 | |
| ROTE (net attributable profit/average shareholders' funds excluding intangible assets +/- average accumulated other comprehensive income) (2) |
11.9 | 14.0 | 14.1 | |
| ROA (profit or loss for the year/average total assets) | 0.84 | 0.93 | 0.91 | |
| RORWA (profit or loss for the year/average risk-weighted assets) | 1.60 | 1.75 | 1.74 | |
| Efficiency ratio | 48.1 | 49.4 | 49.3 | |
| Cost of risk | 1.06 | 0.85 | 1.01 | |
| NPL ratio | 3.9 | 4.4 | 3.9 | |
| NPL coverage ratio | 74 | 73 | 73 | |
| Capital adequacy ratios (%) | ||||
| CET1 fully-loaded | 11.3 | 10.9 | 11.3 | |
| CET1 phased-in (3) | 11.6 | 11.1 | 11.6 | |
| Total ratio phased-in (3) | 15.2 | 15.4 | 15.7 | |
| Other information | ||||
| Number of clients (million) | 75.7 | 2.9 | 73.6 | 74.8 |
| Number of shareholders | 892,316 | 0.2 | 890,146 | 902,708 |
| Number of employees | 125,749 | (4.6) | 131,745 | 125,627 |
| Number of branches | 7,844 | (4.3) | 8,200 | 7,963 |
| Number of ATMs | 31,922 | 1.0 | 31,602 | 32,029 |
- General note: the application of accounting for hyperinflation in Argentina was performed for the first time in September 2018 with accounting effects on January 1, 2018, recording the impact of the nine months in the third quarter. In order to make the 2019 information comparable to 2018, the income statements and balance sheets of the first three quarters of 2018 have been reexpressed to reflect these impacts.
- (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 8.6%, in the first quarter of 2019; 10.1%, in 2018; and 10.1%, in the first quarter of 2018; and the ROTE at 10.2%, 11.9% and 12.0%, respectively.
- (3) As of March 31, 2019, phased-in ratios include the temporary treatment on the impact of IFRS 9, calculated in accordance with Article 473 bis of the Capital Requirements Regulation (CRR).