2
3Q09
BBVA Group Highlights
(Consolidated figures)
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)
BBVA Group Highlights
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 assets)
RORWA excluding one-off operations (1)
Efficiency ratio (3)
Cost of risk excluding one-off operations (1)
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: the data on this Quarterly Report has not been audited. It has been prepared according to the International Financial Reporting Standards adopted by the
European Union and in conformity with Bank of Spain Circular 4/2004, together with the changes introduced therein by Bank of Spain Circular 6/2008. Therefore, they may not
coincide with those published in the Quarterly Reports of the previous years.
(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. In the third quarter of 2009, capital gains on the sale and lease-back of properties which have been allotted to generic provisions for NPLs.
(2) Net of goodwill.
(3) Except otherwise stated, efficiency ratio including depreciation.
30-09-09
Δ%
537,305 1.8 527,932 542,650
331,005 (4.0) 344,641 342,671
366,581 3.2 355,283 376,380
133,115 (3.1) 137,371 119,017
499,695 1.4 492,654 495,397
30,707 12.3 27,336 26,705
29,997 12.9 26,575 26,586
10,292 19.7 8,599 11,686
15,378 6.6 14,420 18,978
9,274 13.5 8,167 10,523
5,950 (5.5) 6,298 6,926
4,179 (7.2) 4,501 5,020
4,179 (3.3) 4,321 5,414
12.13 5.8 11.46 8.66
45,463 5.8 42,952 32,457
1.12 (7.2) 1.21 1.35
1.12 (3.3) 1.16 1.46
8.00 12.9 7.09 7.09
6.17 18.2 5.22 5.02
1.5 1.6 1.2
2.0 2.2 1.7
21.2 25.5 21.5
21.2 24.8 23.2
1.11 1.25 1.04
1.11 1.21 1.12
2.05 2.32 1.95
2.05 2.25 2.08
39.7 43.4 44.6
1.10 0.77 0.82
3.4 1.7 2.3
68 127 92
13.4 12.5 12.2
8.0 6.7 6.2
9.4 8.1 7.9
3,748 3,748 3,748
896,433 886,950 903,897
104,723 112,621 108,972
7,554 7,909 7,787
30-09-08 31-12-08
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