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Banco Bilbao Vizcaya Argentaria : 2Q16 Results Report
July 29, 2016 at 01:53 am EDT
2016
Our Purpose: To bring the age of opportunity to everyone
2Q16
2016
Contents
BBVA Group highlights
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%).
The capital ratios are calculated under CRD IV from Basel III regulation, applying a 60% phase-in for 2016 and a 40% for 2015.
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. Distributed by Public, unedited and unaltered, on 29 July 2016 05:52:09 UTC .
Original document http://shareholdersandinvestors.bbva.com/TLBB/fbinir/mult/20160729QuarterlyReport2Q2016_tcm927-602189.pdf
Public permalink http://www.publicnow.com/view/FF79765B5CCA35645A9868D745BE68E0C4F0ED2B
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Duration Auto. 2 months 3 months 6 months 9 months 1 year 2 years 5 years 10 years Max.
Period Day Week
More charts
Banco Bilbao Vizcaya Argentaria, S.A. is a banking group organized around three sectors of activity:
- retail banking: sales of classical and specialized products and services (leasing credit, consumer loans, insurance, etc.);
- investment and market banking: project financing, capital investment, financial intermediation, merger-acquisition consulting, etc.;
- private banking and asset management.
At the end of 2023, the group manages EUR 413.5 billion in current deposits and EUR 377.6 billion in current credits.
Products and services are marketed via a network of 5,949 branches throughout the world.
More about the company
Last Close Price
11.04
EUR
Average target price
10.48
EUR
Spread / Average Target
-5.04%
Consensus
1st Jan change
Capi.
+34.21% 66.29B +17.75% 575B +12.62% 298B +3.14% 244B +17.76% 204B +8.39% 166B +1.51% 157B -2.60% 145B +1.96% 142B -15.29% 131B
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