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 11/29/2022
Last Close: 5.62
Currency: EUR
Market capitalization
(million euros)
27,862
Book value per share
(euros)
7.68
Yield
(Dividend/price; %)
6.72,4
Figures as of 09.30.2022
Financial Highlights
       
Balance Sheet (million euros) 30-09-22 ^% 30-09-21 31-12-21
Total assets 738,680 13.8 649,261 662,885
Loans and advances to customers (gross) 373,765 14.0 327,968 330,055
Deposits from customers 389,705 14.3 340,828 349,761
Total customer funds 540,210 12.1 481,734 496,954
Total equity 49,897 (1.3) 50,567 48,760
       
Income statement (million euros)
Net interest income 13,811 29.0 10,708 14,686
Gross income 18,366 17.8 15,589 21,066
Operating income 10,494 21.8 8,613 11,536
Net attributable profit 4,842 46.2 3,311 4,653
       
Data per share
Number of shares issued (million)1 6,030 (9.6) 6,668 6,668
Number of shareholders 813,683 (2.8) 836,979 826,835
Share price (euros) 4.62 (19.2) 5.72 5.25
Book value per share (euros)2 7.68 13.7 6.76 6.86
       
Ratios (%)
Adjusted ROE (net attributable profit or (loss)/average shareholders' funds +/- average accumulated other comprehensive income)2 15.0 11.1 11.4
Adjusted ROTE (net attributable profit or (loss)/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income)2 15.7 11.7 12.0
Adjusted ROA (Profit or (loss) for the year/average total assets)2 1.03 0.94 0.94
Adjusted RORWA (Profit or (loss) for the year/average risk-weighted assets - RWA)2 2.18 1.99 2.01
Efficiency ratio2 42.9 44.7 45.2
Cost of risk2 0.86 0.92 0.93
NPL ratio2 3.5 4.0 4.1
NPL coverage ratio2 83 80 75
CET1 fully-loaded 12.45 14.48 12.75
CET1 phased-in3 12.55 14.71 12.98
Total ratio phased-in3 16.07 19.17 17.24


(1) The number of shares issued as of 30-09-22 takes into account the redemption of 357 million shares, corresponding to the second tranche of the share buyback program.
(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.

Geographically diversified
Breakdown by country(1)
Mexico 52.8 %
Spain 27.0 %
Turkey 6.0 %
South America 10.9 %
Rest of business 3.3 %
(1) Percentages excluding the Corporate Center and net impact arisen from the purchase of offices in Spain.
Ratings
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