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.
| Market capitalization (million euros) |
33,974 |
|
Book value per share (euros) |
7.80 |
| Yield (Dividend/price; %) |
6.22,4 |
| 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.
| 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 |