2
4Q09
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)
BBVA Group Highlights
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)
PER (Price/Earnings; times)
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 the third quarter of 2009, capital gains on the sale and lease-back of properties which have been allotted to generic provisions for NPLs with no effect on net attributable profit.
In the fourth quarter the extraordinary allocation to provisions and the goodwill impairment, both in the US. 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.
31-12-09
Δ%
535,065 (1.4) 542,650 501,726
332,162 (3.1) 342,682 320,311
371,999 (1.2) 376,380 337,518
136,957 15.1 119,017 150,777
508,957 2.7 495,397 488,295
30,763 15.2 26,705 27,943
29,362 10.4 26,586 24,811
13,882 18.8 11,686 9,628
20,666 8.9 18,978 17,271
12,308 17.0 10,523 9,441
5,736 (17.2) 6,926 8,495
4,210 (16.1) 5,020 6,126
5,260 (2.8) 5,414 5,403
12.73 47.0 8.66 16.76
47,712 47.0 32,457 62,816
1.12 (17.0) 1.35 1.70
1.40 (3.9) 1.46 1.50
7.83 10.4 7.09 6.62
6.27 25.0 5.02 5.44
1.6 1.2 2.5
2.0 1.7 3.1
11.3 6.5 10.3
16.0 21.5 34.2
20.0 23.2 30.2
0.85 1.04 1.39
1.04 1.12 1.23
1.56 1.94 2.39
1.92 2.08 2.12
40.4 44.6 45.3
1.15 0.82 0.60
4.3 2.3 1.0
57 92 225
13.6 12.2 13.0
8.0 6.2 5.8
9.4 7.9 7.3
3,748 3,748 3,748
884,373 903,897 889,734
103,721 108,972 111,913
7,466 7,787 8,028
31-12-08 31-12-07
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