2
1Q09
BBVA Group Highlights
BBVA Group Highlights
(Consolidated figures) 31-03-09
Δ%
31-03-08 31-12-08
BALANCE SHEET (million euros)
Total assets
Total lending (gross)
Customer funds on balance sheet
Other customer funds
Total customer funds
Total equity
Shareholders' funds
INCOME STATEMENT (million euros)
Net interest income
Gross income
Operating income
Income before tax
Net attributable profit
Net attributable profit excluding one-off operations (1)
DATA PER SHARE AND SHARE PERFORMANCE RATIOS
Share price (euros)
Market capitalisation (million euros)
Net attributable profit per share (euros)
Net attributable profit per share excluding one-off operations (euros) (1)
Book value per share (euros)
Tangible book value per share (euros) (2)
P/BV (Price/book value; times)
Price/tangible book value (times) (2)
SIGNIFICANT RATIOS (%)
ROE (Net attributable profit/Average equity)
ROE excluding one-off operations (1)
ROA (Net income/Average total assets)
ROA excluding one-off operations (1)
RORWA (Net income/Risks weighted asstets)
RORWA excluding one-off operations (1)
Efficiency ratio (3)
Cost of risk (Impairment losses/Gross lending)
NPA ratio
NPA coverage ratio
CAPITAL ADEQUACY RATIOS (BIS II Regulation) (%)
Ratio BIS
Core capital
Tier I
OTHER INFORMATION
Number of shares (millions)
Number of shareholders
Number of employees
Number of branches
Memorandum item: These quarterly statements have not been audited. They have been drawn up according to Bank of Spain Circular 4/2004 together with the changes introduced
therein by Bank of Spain Circular 6/2008. They may not therefore coincide with some of those published in previous quarterly earning reports.
(1) In 2008, capital gains from Bradesco in the first quarter, provisions for non-recurrent early retirements in the second and fourth quarters and provision for the loss originated by
the Madoff fraud in the fourth quarter.
(2) Net of goodwill.
(3) Except otherwise stated, efficiency ratio including depreciation.
543,350 12.5 482,913 542,650
340,241 5.5 322,518 342,671
370,045 8.8 340,237 376,380
122,618 (16.1) 146,110 119,017
492,663 1.3 486,348 495,397
28,367 6.7 26,596 26,705
27,742 8.5 25,571 26,586
3,272 20.1 2,726 11,686
4,889 2.5 4,772 18,978
2,819 4.9 2,688 10,523
1,834 (34.1) 2,783 6,926
1,238 (36.6) 1,951 5,020
1,238 (14.2) 1,442 5,414
6.11 (56.2) 13.95 8.66
22,900 (56.2) 52,284 32,457
0.34 (35.7) 0.53 1.35
0.34 (13.1) 0.39 1.46
7.40 8.5 6.82 7.09
5.36 3.1 5.20 5.02
0.8 2.0 1.2
1.1 2.7 1.7
19.4 27.4 21.5
19.4 25.2 23.2
1.00 1.35 1.04
1.00 1.25 1.12
1.88 2.52 1.95
1.88 2.32 2.09
42.3 43.7 44.6
1.06 0.68 0.82
2.8 1.1 2.3
76 200 92
11.5 12.9 12.2
6.4 6.3 6.2
7.7 7.8 7.9
3,748 3,748 3,748
919,195 891,266 903,897
105,154 112,460 108,972
7,648 7,984 7,787
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