Corporate profile

BBVA is a global financial services group founded in 1857. The bank is present in more than 25 countries, has a strong leadership position in the Spanish market, is the largest financial institution in Mexico and it has leading franchises in South America and Turkey.

BBVA contributes with its activity to the progress and welfare of all its stakeholders: shareholders, clients, employees, providers and society in general. In this regard, BBVA supports families, entrepreneurs and companies in their plans, and helps them to take advantage of the opportunities provided by innovation and technology. Likewise, BBVA offers its customers a unique value proposition, leveraged on technology and data, helping them improve their financial health with personalized information on financial decision-making.

Share Data 12/6/2024
Last Close: 9.55
Currency: EUR
Market capitalization
(million euros)
55,962
Book value per share
(euros)
9.19
Figures as of 09.30.2024
Financial Highlights
       
Balance Sheet (million euros) 09-30-24 ^% 09-30-23 12-31-23
Total assets 769,341 1.5 757,736 775,558
Loans and advances to customers (gross) 397,891 2.7 387,565 388,912
Deposits from customers 437,834 8.4 403,861 413,487
Total customer funds 620,891 10.0 564,346 577,853
Total equity 56,772 6.2 53,453 55,265
       
Income statement (million euros)
Net interest income 18,861 5.7 17,843 23,089
Gross income 26,161 18.4 22,104 29,542
Operating income 15,972 24.2 12,863 17,233
Net attributable profit 7,622 27.9 5,961 8,019
       
Data per share
Number of shares outstanding (million) 5,763 (3.4) 5,965 5,838
Number of shareholders1 717,667 (6.1) 764,567 742,194
Share price (euros) 9.71 25.90 7.71 8.23
Book value per share (euros)2 9.19 7.80 8.53 8.86
       
Ratios (%)
ROE (net attributable profit or (loss)/average shareholders' funds +/- average accumulated other comprehensive income)2 19.2 16.3 16.2
ROTE (net attributable profit or (loss)/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income)2 20.1 17.0 17.0
ROA (profit (loss) for the period / average total assets - ATA)2 1.37 1.13 1.12
RORWA (profit (loss) for the period / average risk-weighted assets - RWA)2 2.81 2.40 2.38
Efficiency ratio2 38.9 41.8 41.7
Cost of risk2 1.42 1.11 1.15
NPL ratio2 3.3 3.3 3.4
NPL coverage ratio2 75 79 77
CET1 fully-loaded 12.84 12.73 12.67
CET1 phased-in3 12.84 12.73 12.67
Total ratio phased-in3 17.09 16.51 16.58

(1) See footnote to table of structural distribution of shareholders in the Capital and shareholders chapter of this report.
(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. For the periods shown in this table, there are no differences between phased-in and fully loaded ratios due to the aforementioned temporary treatment.

Geographically diversified
Breakdown by country(1)
Mexico 50.1%
Spain 34.3%
Turkey 5.2%
South America 5.6%
Rest of business 4.8 %
(1) Percentages excluding the Corporate Center.
Ratings
Long term Short term Outlook Last rating action
Fitch A- F-2 Stable 09-06-2024
Moody's A3 P-2 Positive 03-19-2024
Standard&Poor´s A A-1 Stable 04-29-2024
DBRS A (high) R-1 (middle) Stable 03-25-2024