BBVA Group highlights
BBVA Group highlights (Consolidated figures)
| 31-03-20 | ∆% | 31-03-19 | 31-12-19 | |
|---|---|---|---|---|
| Balance sheet (millions of euros) | ||||
| Total assets | 730,923 | 5.7 | 691,200 | 698,690 |
| Loans and advances to customers (gross) | 395,911 | 0.7 | 393,321 | 394,763 |
| Deposits from customers | 385,050 | 1.7 | 378,527 | 384,219 |
| Total customer funds | 481,488 | (0.0) | 481,717 | 492,022 |
| Total equity | 49,174 | (8.2) | 53,547 | 54,925 |
| Income statement (millions of euros) | ||||
| Net interest income | 4,556 | 3.6 | 4,398 | 18,124 |
| Gross income | 6,484 | 7.2 | 6,046 | 24,463 |
| Operating income | 3,566 | 14.1 | 3,124 | 12,561 |
| Net attributable profit | (1,792) | n.s. | 1,182 | 3,512 |
| Adjusted net attributable profit (1) | 292 | (75.3) | 1,182 | 4,830 |
| The BBVA share and share performance ratios | ||||
| Number of shares (million) | 6,668 | - | 6,668 | 6,668 |
| Share price (euros) | 2.92 | (42.8) | 5.09 | 4.98 |
| Earning per share (2) | (0.29) | n.s. | 0.16 | 0.47 |
| Adjusted earning per share (euros) (1)(2) | 0.03 | (83.4) | 0.16 | 0.66 |
| Book value per share (euros) | 6.49 | (9.9) | 7.20 | 7.32 |
| Tangible book value per share (euros) | 5.78 | (2.7) | 5.94 | 6.27 |
| Market capitalization (million euros) | 19,440 | (42.8) | 33,960 | 33,226 |
| Yield (dividend/price; %) (3) | 8.9 | 4.9 | 5.2 | |
| Significant ratios (%) | ||||
| ROE (net attributable profit/average shareholders' funds +/- average accumulated other comprehensive income) (1) |
2.4 | 10.0 | 9.9 | |
| ROTE (net attributable profit/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income) (1) |
2.8 | 12.1 | 11.9 | |
| ROA (profit or loss for the year/average total assets) (1) | 0.26 | 0.85 | 0.82 | |
| RORWA (profit or loss for the year/average risk-weighted assets - RWA) (1) | 0.50 | 1.62 | 1.57 | |
| Efficiency ratio | 45.0 | 48.3 | 48.7 | |
| Cost of risk | 2.57 | 1.03 | 1.02 | |
| NPL ratio | 3.6 | 3.9 | 3.8 | |
| NPL coverage ratio | 86 | 74 | 77 | |
| Capital adequacy ratios (%) | ||||
| CET1 fully-loaded (4) | 10.84 | 11.35 | 11.74 | |
| CET1 phased-in (5) | 11.08 | 11.58 | 11.98 | |
| Total ratio phased-in (5) | 15.39 | 15.19 | 15.92 | |
| Other information | ||||
| Number of clients (million) | 78.5 | 3.8 | 75.6 | 77.9 |
| Number of shareholders | 876,785 | (1.7) | 892,316 | 874,148 |
| Number of employees | 126,041 | 0.2 | 125,749 | 126,973 |
| Number of branches | 7,694 | (1.9) | 7,844 | 7,744 |
| Number of ATMs | 32,275 | (0.8) | 32,528 | 32,658 |
- General note: as a result of the decision taken by the International Financial Reporting Standards Interpretations Committee (IFRIC) regarding the collecting of interests of written-off financial assets for the purpose of IFRS 9, those collections are presented as reduction of the credit allowances and not as a higher interest income, recognition method applied until December 2019. Therefore, and in order to make the information comparable, the quarterly information of the 2019 income statements has been restated.
- (1) Excluding the goodwill impairment in the United States as of 31-03-2020 and 31-12-2019, for an amount of 2,084 and 1,318 millions of euros, respectively.
- (2) Adjusted by additional Tier 1 instrument remuneration.
- (3) Calculated by dividing shareholder remuneration over the last twelve months by the closing price of the period.
- (4) As of March 31, 2020 the fully-loaded capital ratios include the positive impact of +2 basis points due the reduction of the limit of share buybacks which is pending to be approved by the ECB.
- (5) 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).