2016

Our Purpose: To bring the age of opportunity to everyone

2Q16

2016

Contents

  1. BBVA Group highlights

  2. Group information

Relevant events 3

Results 4

Balance sheet and business activity 10

Solvency 12

Risk management 13

The BBVA share 15

Responsible banking 17

18 Business areas

Banking activity in Spain 21

Real-estate activity in Spain 24

The United States 26

Turkey 29

Mexico 32

South America 35

Rest of Eurasia 38

Corporate Center 40

41 Annex

Other information: Corporate & Investment Banking 41

Conciliation of the BBVA Group's financial statements 44

BBVA Group highlights

(Consolidated figures)

30-06-16 %

30-06-15 31-12-15

Balance sheet (million euros)

Total assets

746,040

8.3

689,071

750,078

Loans and advances to customers (gross)

433,268

10.2

393,159

432,855

Deposits from customers

406,284

11.7

363,639

403,362

Other customer funds

130,116

(2.0)

132,783

131,822

Total customer funds

536,400

8.1

496,422

535,184

Total equity

55,962

9.7

50,997

55,439

Income statement (million euros)

Net interest income

8,365

11.2

7,521

16,426

Gross income

12,233

5.9

11,554

23,680

Operating income

5,901

1.1

5,836

11,363

Income before tax

3,391

11.3

3,046

5,879

Net attributable profit

1,832

(33.6)

2,759

2,642

The BBVA share and share performance ratios

Number of shares (millions)

6,480

2.8

6,305

6,367

Share price (euros)

5.06

(42.4)

8.79

6.74

Earning per share (euros)

0.27

(35.2)

0.41

0.38

Book value per share (euros)

7.35

(6.0)

7.82

7.47

Tangible book value per share (euros)

5.81

(8.6)

6.36

5.85

Market capitalization (million euros)

32,817

(40.8)

55,436

42,905

Yield (dividend/price; %)

7.3

73.1

4.2

5.5

Significant ratios (%)

ROE (net attributable profit/average shareholders' funds)

7.2

9.5

5.2

ROTE (net attributable profit/average shareholders' funds excluding intangible assets)

8.9

11.6

6.4

ROA (net income/average total assets)

0.67

0.77

0.46

RORWA (net income/average risk-weighted assets)

1.25

1.45

0.87

Efficiency ratio

51.8

49.5

52.0

Cost of risk

0.92

1.16

1.06

NPL ratio

5.1

6.1

5.4

NPL coverage ratio

74

72

74

Capital adequacy ratios (%) (1)

CET1

12.0

12.3

12.1

Tier 1

12.7

12.3

12.1

Total capital ratio

15.7

15.5

15.0

Other information

Number of shareholders

939,683

(0.1)

940,619

934,244

Number of employees (2)

137,310

20.2

114,228

137,968

Number of branches (2)

9,153

12.5

8,135

9,145

Number of ATMs (2)

30,958

25.5

24,668

30,616

General note: Since the third quarter of 2015, the total stake in Garanti is consolidated by the full integration method. For previous periods, the financial information provided in this document is presented integrated in the proportion corresponding to the percentage of the Group's stake then (25.01%).

  1. The capital ratios are calculated under CRD IV from Basel III regulation, applying a 60% phase-in for 2016 and a 40% for 2015.

  2. Includes Garanti since the third quarter 2015.

2 BBVA Group highlights

BBVA - Banco Bilbao Vizcaya Argentaria SA published this content on 29 July 2016 and is solely responsible for the information contained herein.
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