BBVA Group highlights
BBVA Group highlights (Consolidated figures)
| IFRS 9 | IAS 39 | |||
|---|---|---|---|---|
| 31-09-19 | ∆% | 31-12-18 | 31-12-17 | |
| Balance sheet (millions of euros) | ||||
| Total assets | 698,690 | 3.3 | 676,689 | 690,059 |
| Loans and advances to customers (gross) | 394,763 | 2.2 | 386,225 | 400,369 |
| Deposits from customers | 384,219 | 2.2 | 375,970 | 376,379 |
| Total customer funds | 492,022 | 3.8 | 474,120 | 473,088 |
| Total equity | 54,925 | 3.9 | 52,874 | 53,323 |
| Income statement (millions of euros) | ||||
| Net interest income | 18,202 | 3.5 | 17,591 | 17,758 |
| Gross income | 24,542 | 3.,3 | 23,747 | 25,270 |
| Operating income | 12,639 | 4.9 | 12,045 | 12,770 |
| Net attributable profit | 3,512 | (35.0) | 5,400 | 3,514 |
| The BBVA share and share performance ratios | ||||
| Number of shares (million) | 6,668 | - | 6,668 | 6,668 |
| Share price (euros) | 4.98 | 7.5 | 4.64 | 7.11 |
| Earning per share (euros) (1)(2) | 0.66 | 3.4 | 0.64 | 0.63 |
| Book value per share (euros) | 7.32 | 2.8 | 7.12 | 6.96 |
| Tangible book value per share (euros) | 6.27 | 7.1 | 5.86 | 5.69 |
| Market capitalization (million euros) | 33,226 | 7.5 | 30,909 | 47,422 |
| Yield (dividend/price; %) | 5.2 | 5.4 | 4.2 | |
| Significant ratios (%) | ||||
| ROE (net attributable profit/average shareholders' funds +/- average accumulated other comprehensive income) (2) |
9.9 | 10.2 | 9.7 | |
| ROTE (net attributable profit/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income) (2) |
11.9 | 12.4 | 12.0 | |
| ROA (profit or loss for the year/average total assets) (2) | 0.82 | 0.81 | 0.84 | |
| RORWA (profit or loss for the year/average risk-weighted assets - RWA) (2) | 1.57 | 1.56 | 1.57 | |
| Efficiency ratio | 48.5 | 49.3 | 49.5 | |
| Cost of risk | 1.04 | 1.01 | 0.89 | |
| NPL ratio | 3.8 | 3.9 | 4.6 | |
| NPL coverage ratio | 77 | 73 | 65 | |
| Capital adequacy ratios (%) | ||||
| CET1 fully-loaded | 11.74 | 11.34 | 11.08 | |
| CET1 phased-in (3) | 11.98 | 11.58 | 11.71 | |
| Total ratio phased-in (3) | 15.92 | 15.71 | 15.51 | |
| Other information | ||||
| Number of clients (million) | 78.1 | 4.4 | 74.8 | 72.8 |
| Number of shareholders | 874,148 | (3.2) | 902,708 | 891,453 |
| Number of employees | 126,973 | 1.1 | 125.627 | 131.856 |
| Number of branches | 7,744 | (2.8) | 7,963 | 8,271 |
| Number of ATMs | 32,658 | 0.5 | 32,502 | 32,327 |
- General note: as a result of the amendment to IAS 12 "Income Taxes", and in order to make the information comparable, the 2018 and 2017 income statements have been restated.
- (1) Adjusted by additional Tier 1 instrument remuneration.
- (2) Excluding the goodwill impairment in the United States in 2019, BBVA Chile in 2018 and Telefónica impairment in 2017.
- (3) 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).
Significant ratios including the goodwill impairment in the United States in 2019, BBVA Chile in 2018 and the Telefónica impairment in 2017 (%)
| 31-12-19 | ∆% | 31-12-18 | 31-12-17 | |
|---|---|---|---|---|
| Earning per share (euros) (1) | 0.47 | (37.7) | 0.75 | 0.46 |
| ROE (net attributable profit/average shareholders' funds +/- average accumulated other comprehensive income) (2) | 7.2 | 11.7 | 7.4 | |
| ROTE (net attributable profit/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income) (2) | 8.6 | 14.3 | 9.1 | |
| ROA (Profit or loss for the year/average total assets) | 0.63 | 0.92 | 0.68 | |
| RORWA (Profit or loss for the year/average risk-weighted assets - RWA) | 1.20 | 1.76 | 1.27 |
- (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 6.3%, in 2019; 10.2%, in 2018; and 6.7%, in 2017; and the ROTE at 7.4%, 12.1% and 8.0%, respectively.