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 10/2/2023
Last Close: 7.69
Currency: EUR
Market capitalization
(million euros)
41,949
Book value per share
(euros)
8.23
Yield
(Dividend/price; %)
6.11,3
Figures as of 06.30.2023
Financial Highlights
       
Balance Sheet (million euros) 06-30-23 ^% 06-30-22 12-31-22
Total assets 762,456 6.7 714,726 712,092
Loans and advances to customers (gross) 380,949 5.4 361,311 368,588
Deposits from customers 402,344 6.6 377,540 394,404
Total customer funds 558,083 6.5 524,238 544,576
Total equity 52,568 7.8 48,757 50,517
       
Income statement (million euros)
Net interest income 11,410 33.6 8,538 19,124
Gross income 14,148 23.9 11,417 24,743
Operating income 8,209 28.4 6,393 14,042
Net attributable profit 3,878 31.1 2,957 6,358
       
Data per share
Number of shares issued (million) 5,965 (6.6) 6,387 6,030
Number of shareholders 778,810 (5.2) 821,537 801,216
Share price (euros) 7.03 62.4 4.33 5.63
Book value per share (euros)1 8.23 9.1 7.54 7.78
       
Ratios (%)
Adjusted ROE (net attributable profit or (loss)/average shareholders' funds +/- average accumulated other comprehensive income)1 16.2 14.3 14.4
Adjusted ROTE (net attributable profit or (loss)/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income)1 16.9 15.0 15.1
Adjusted ROA (profit (loss) for the period / average total assets - ATA)1 1.13 0.98 0.99
Adjusted RORWA (profit (loss) for the period / average risk-weighted assets - RWA)1 2.40 2.07 2.12
Efficiency ratio1 42.0 44.0 43.2
Cost of risk1 1.04 0.81 0.91
NPL ratio1 3.4 3.7 3.4
NPL coverage ratio1 80 78 81
CET1 fully-loaded 12.99 12.45 12.61
CET1 phased-in2 12.99 12.56 12.68
Total ratio phased-in2 16.79 16.21 15.98


(1) For more information, see Alternative Performance Measures at the end of this report.
(2) 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. As of June 30, 2023, there are no differences between phased-in and fully-loaded ratios due to the aforementioned temporary treatment.
(3) Calculated by dividing the dividends paid in the last twelve calendar months by the closing price of the period.

Geographically diversified
Breakdown by country(1)
Mexico 52.8 %
Spain 24.9 %
Turkey 10.6 %
South America 7.4 %
Rest of business 4.3 %
(1) Percentages excluding the Corporate Center.
Ratings
Long term Short term Outlook Last rating action
Fitch A- F-2 Stable 12-19-2022
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 03-28-2023