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 12/3/2021
Last Close: 4.79
Currency: EUR
Market capitalization
(million euros)
38,120
Book value per share
(euros)
6.76
Yield
(Dividend/price; %)
1.04
Figures as of 09.30.2021
Financial Highlights
       
Balance Sheet (million euros) 30-09-21 ^% 30-09-20 31-12-20
Total assets 651,834 (10.2) 725,895 736,176
Loans and advances to customers (gross)1 327,968 1.8 322,059 323,252
Deposits from customers1 340,828 4.4 326,447 342,661
Total customer funds1 452,443 6.1 426,487 445,608
Total equity 50,567 4.2 48,522 50,020
       
Income statement (million euros)
Net interest income 10,708 (3.7) 11,115 14,592
Gross income 15,589 (0.2) 15,620 20,166
Operating income 8,613 (2.1) 8,796 11,079
Net attributable profit 3,311 n.s. (15) 1,305
       
Data per share
Number of shares (million) 6,668 6,668 6,668
Number of shareholders 836,979 (6.8) 898,240 879,226
Share price (euros) 5.72 141.0 2.37 4.04
Earning per share excluding non-recurring impacts (euros)2,3 0.52 99.4 0.26 0.35
Book value per share (euros) 6.76 4.0 6.50 6.70
       
Ratios (%)
Adjusted ROE (net attributable profit or (loss)/average shareholders' funds +/- average accumulated other comprehensive income)2 11.1 6.0 6.1
Adjusted ROTE (net attributable profit or (loss)/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income)2 11.7 6.3 6.5
Adjusted ROA (Profit or (loss) for the year/average total assets)2 0.94 0.55 0.54
Adjusted RORWA (Profit or (loss) for the year/average risk-weighted assets - RWA)2 1.99 1.17 1.16
Efficiency ratio 44.7 43.7 45.1
Cost of risk5 0.92 1.68 1.55
NPL ratio5 4.0 4.1 4.2
NPL coverage ratio5 80 85 82
CET1 fully-loaded 14.48 11.52 11.73
CET1 phased-in6 14.71 11.99 12.15
Total ratio phased-in6 19.17 16.66 16.46


General note: the results generated by BBVA USA and the rest of Group's companies in the United States sold to PNC on June 1, 2021, are presented in a single line as "Profit/ (loss) after tax from discontinued operations".
(1) Excluding the assets and liabilities figures from BBVA USA and the rest of Group's companies in the United States sold to PNC on June 1, 2021, classified as non-current assets and liabilities held for sale (NCA&L) as of 31-12-20. The figures related to "Loans and advances to customers (gross)", "Deposits from customers" and "Total customer funds", including BBVA USA, would stand at €379,018m, €395,132m and €495,171m, respectively, as of 30-09-20.
(2) Non-recurring impacts include: (I) profit/(loss) after tax from discontinued operations as of 30-09-21, 31-12-20 and 30-09-20; (II) the net cost related to the restructuring process as of 30-09-21; and (III) the net capital gain from the bancassurance operation with Allianz as of 31-12-20.
(3) Adjusted by additional Tier 1 instrument remuneration.
(4) Calculated by dividing shareholder remuneration over the last twelve months by the closing price of the period.
(5) Excluding BBVA USA and the rest of Group's companies in the United States sold to PNC on June 1, 2021.
(6) 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.

Geographically diversified
Breakdown by country(1)
Mexico 43.5 % Turkey 14.0 %
Spain 29.4 % Rest of business 4.9 %
South America 8.1 %    
Colombia 3.8 %
Peru 1.9 %
Chile 1.0 %
Argentina 1.0 %
Rest 0.4 %
(1) Percentages excluding the Corporate Centre.
Ratings
Long term Short term Outlook Last rating action
Fitch A- F-2 Stable 06-07-2021
Moody's A3 P-2 Stable 06-19-2019
Standard&Poor´s A- A-2 Stable 06-24-2021
DBRS A (high) R-1 (middle) Stable 03-31-2021