2016
Our Purpose: To bring the age of opportunity to everyone
2Q16
2016
Contents
BBVA Group highlights
Group information
Relevant events 3
Results 4
Balance sheet and business activity 10
Solvency 12
Risk management 13
The BBVA share 15
Responsible banking 17
18 Business areasBanking activity in Spain 21
Real-estate activity in Spain 24
The United States 26
Turkey 29
Mexico 32
South America 35
Rest of Eurasia 38
Corporate Center 40
41 AnnexOther information: Corporate & Investment Banking 41
Conciliation of the BBVA Group's financial statements 44
BBVA Group highlights
(Consolidated figures)
30-06-16 % | 30-06-15 31-12-15 | |||
Balance sheet (million euros) | ||||
Total assets | 746,040 | 8.3 | 689,071 | 750,078 |
Loans and advances to customers (gross) | 433,268 | 10.2 | 393,159 | 432,855 |
Deposits from customers | 406,284 | 11.7 | 363,639 | 403,362 |
Other customer funds | 130,116 | (2.0) | 132,783 | 131,822 |
Total customer funds | 536,400 | 8.1 | 496,422 | 535,184 |
Total equity | 55,962 | 9.7 | 50,997 | 55,439 |
Income statement (million euros) | ||||
Net interest income | 8,365 | 11.2 | 7,521 | 16,426 |
Gross income | 12,233 | 5.9 | 11,554 | 23,680 |
Operating income | 5,901 | 1.1 | 5,836 | 11,363 |
Income before tax | 3,391 | 11.3 | 3,046 | 5,879 |
Net attributable profit | 1,832 | (33.6) | 2,759 | 2,642 |
The BBVA share and share performance ratios | ||||
Number of shares (millions) | 6,480 | 2.8 | 6,305 | 6,367 |
Share price (euros) | 5.06 | (42.4) | 8.79 | 6.74 |
Earning per share (euros) | 0.27 | (35.2) | 0.41 | 0.38 |
Book value per share (euros) | 7.35 | (6.0) | 7.82 | 7.47 |
Tangible book value per share (euros) | 5.81 | (8.6) | 6.36 | 5.85 |
Market capitalization (million euros) | 32,817 | (40.8) | 55,436 | 42,905 |
Yield (dividend/price; %) | 7.3 | 73.1 | 4.2 | 5.5 |
Significant ratios (%) | ||||
ROE (net attributable profit/average shareholders' funds) | 7.2 | 9.5 | 5.2 | |
ROTE (net attributable profit/average shareholders' funds excluding intangible assets) | 8.9 | 11.6 | 6.4 | |
ROA (net income/average total assets) | 0.67 | 0.77 | 0.46 | |
RORWA (net income/average risk-weighted assets) | 1.25 | 1.45 | 0.87 | |
Efficiency ratio | 51.8 | 49.5 | 52.0 | |
Cost of risk | 0.92 | 1.16 | 1.06 | |
NPL ratio | 5.1 | 6.1 | 5.4 | |
NPL coverage ratio | 74 | 72 | 74 | |
Capital adequacy ratios (%) (1) | ||||
CET1 | 12.0 | 12.3 | 12.1 | |
Tier 1 | 12.7 | 12.3 | 12.1 | |
Total capital ratio | 15.7 | 15.5 | 15.0 | |
Other information | ||||
Number of shareholders | 939,683 | (0.1) | 940,619 | 934,244 |
Number of employees (2) | 137,310 | 20.2 | 114,228 | 137,968 |
Number of branches (2) | 9,153 | 12.5 | 8,135 | 9,145 |
Number of ATMs (2) | 30,958 | 25.5 | 24,668 | 30,616 |
General note: Since the third quarter of 2015, the total stake in Garanti is consolidated by the full integration method. For previous periods, the financial information provided in this document is presented integrated in the proportion corresponding to the percentage of the Group's stake then (25.01%).
The capital ratios are calculated under CRD IV from Basel III regulation, applying a 60% phase-in for 2016 and a 40% for 2015.
Includes Garanti since the third quarter 2015.
2 BBVA Group highlights
BBVA - Banco Bilbao Vizcaya Argentaria SA published this content on 29 July 2016 and is solely responsible for the information contained herein.
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