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 5/9/2025
Last Close: 12.82
Currency: EUR
Market capitalization
(million euros)
72,300
Book value per share
(euros)
9.58⁽²⁾
Figures as of 03.31.2025
Financial Highlights
       
Balance Sheet (million euros) 03-31-25 ^% 03-31-24 12-31-24
Total assets 772,863 (3.6) 801,690 772,402
Loans and advances to customers (gross) 428,673 7.0 400,457 424,087
Deposits from customers 455,708 4.3 436,763 447,646
Total customer funds 652,696 6.1 615,202 640,250
Total equity 59,264 6.2 55,778 60,014
       
Income statement (million euros)
Net interest income 6,398 (1.7) 6,512 25,267
Gross income 9,324 13.5 8,218 35,481
Operating income 5,762 19.2 4,835 21,288
Net attributable profit 2,698 22.7 2,200 10,054
       
Data per share
Number of shares outstanding (million) 5,763 (1.3) 5,838 5,763
Number of shareholders(1) 690,635 (4.9) 726,100 714,069
Share price (euros) 12.55 13.6 11.04 9.45
Book value per share (euros)(2) 9.58 5.9 9.04 9.67
       
Ratios (%)
ROE (net attributable profit or (loss)/average shareholders' funds +/- average accumulated other comprehensive income)(2) 19.3 16.9 18.9
ROTE (net attributable profit or (loss)/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income)(2) 20.2 17.7 19.7
ROA (profit (loss) for the period / average total assets - ATA)(2) 1.48 1.19 1.36
RORWA (profit (loss) for the period / average risk-weighted assets - RWA)(2) 2.90 2.50 2.76
Efficiency ratio(2) 38.2 41.2 40.0
Cost of risk(2) 1.30 1.39 1.43
NPL ratio(2) 2.9 3.4 3.0
NPL coverage ratio(2) 82 76 80
       
Capital adequacy ratios (%)(3)
CET1 ratio 13.09 12.82 12.88
Tier 1 ratio 14.53 14.17 14.40
Total capital ratio 17.55 16.66 16.90

(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 this report.
(3) Preliminary data.

Geographically diversified
Breakdown by country(1)
Mexico 45.8%
Spain 35.2%
Turkey 5.4%
South America 7.5%
Rest of business 6.0%
(1) Percentages exclude the Corporate Center.
Ratings
Long term Short term Outlook Last rating action
Fitch A- F-2 Positive 02-11-2025
Moody's A3 P-2 Ratings Under Review (ON WATCH for Possible Upgrade) 03-17-2025
Standard&Poor´s A A-1 Stable 03-27-2025
DBRS A (high) R-1 (middle) Stable 02-24-2025