Corporate profile

BBVA is a customer-centric global financial services group founded in 1857. The Group has a solid leading position in Spain, is the largest financial institution in Mexico, and has leading franchises in South America. It is also the leading shareholder in Turkey’s Garanti BBVA and has an important investment, transactional and capital markets banking business in the U.S.

The factsheet below provides an overview of the bank’s key information, with data as per the last quarter. It is available for download in PDF format.

Share Data 3/20/2023
Last Close: 6.23
Currency: EUR
Market capitalization
(million euros)
33,974
Book value per share
(euros)
7.80
Yield
(Dividend/price; %)
6.22,4
Figures as of 12.31.2022
Financial Highlights
       
Balance Sheet (million euros) 31-12-22 ^% 31-12-21 31-12-20
Total assets 713,140 7.6 662,885 733,797
Loans and advances to customers (gross)1 369,260 11.9 330,055 323,252
Deposits from customers1 393,856 12.6 349,761 342,661
Total customer funds1 544,028 9.5 496,954 471,928
Total equity 50,615 3.8 48,760 50,020
       
Income statement (million euros)
Net interest income 19,153 30.4 14,686 14,592
Gross income 24,890 18.2 21,066 20,166
Operating income 14,130 22.5 11,536 11,079
Net attributable profit 6,420 38.0 4,653 1,305
       
Data per share
Number of shares issued (million) 6,030 (9.6) 6,668 6,668
Number of shareholders 801,216 (3.1) 826,835 879,226
Share price (euros) 5.63 7.3 5.25 4.04
Book value per share (euros)2 7.80 13.7 6.86 6.70
       
Ratios (%)
Adjusted ROE (net attributable profit or (loss)/average shareholders' funds +/- average accumulated other comprehensive income)2 14.6 11.4 6.1
Adjusted ROTE (net attributable profit or (loss)/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income)2 15.3 12.0 6.5
Adjusted ROA (Profit or (loss) for the year/average total assets)2 1.00 0.94 0.54
Adjusted RORWA (Profit or (loss) for the year/average risk-weighted assets - RWA)2 2.14 2.01 1.16
Efficiency ratio2 43.2 45.2 45.1
Cost of risk2 0.91 0.93 1.55
NPL ratio2 3.4 4.1 4.2
NPL coverage ratio2 81 75 82
CET1 fully-loaded 12.61 12.75 11.73
CET1 phased-in3 12.68 12.98 12.15
Total ratio phased-in3 15.98 17.24 16.46


(1) Excludes BBVA USA and the rest of the companies in the United States sold to PNC on June 1, 2021 and BBVA Paraguay as of 31-12-20.
(2) For more information, see Alternative Performance Measures at the end of this report.
(3) Phased-in ratios include the temporary treatment on the impact of IFRS 9, calculated in accordance with Article 473 bis amendments of the Capital Requirements Regulation (CRR), introduced by the Regulation (EU) 2020/873.
(4) Calculated by dividing the dividends paid in the last twelve months by the closing price of the period.

Geographically diversified
Breakdown by country(1)
Mexico 57.0 %
Spain 22.8 %
Turkey 6.9 %
South America 10.0 %
Rest of business 3.3 %
(1) Percentages excluding the Corporate Center and net impact arisen from the purchase of offices in Spain.
Ratings
Long term Short term Outlook Last rating action
Fitch A- F-2 Stable 05-25-2022
Moody's A3 P-2 Stable 06-19-2019
Standard&Poor´s A A-1 Stable 03-22-2022
DBRS A (high) R-1 (middle) Stable 03-29-2022