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30-09-03 |
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30-09-02 |
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BALANCE SHEET (millions of euros) |
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Total assets |
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284,816 |
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280,253 |
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1.6 |
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Total lending (gross) |
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150,217 |
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146,412 |
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2.6 |
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Customer funds recorded on balance sheet |
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179,369 |
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177,502 |
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1.1 |
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Other customer funds managed |
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112,032 |
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108,962 |
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2.8 |
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Total customer funds managed |
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291,401 |
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286,464 |
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1.7 |
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Shareholders' funds (including profit for the year) |
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13,141 |
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13,073 |
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0.5 |
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INCOME STATEMENT (millions of euros) |
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Net interest income |
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5,023 |
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5,995 |
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(16.2) |
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Core revenues |
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7,471 |
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8,743 |
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(14.5) |
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Ordinary revenues |
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7,974 |
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9,277 |
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(14.0) |
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Operating profit |
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3,686 |
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4,251 |
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(13.3) |
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Operating profit (Argentina and Brazil consolidated under equity method) |
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3,678 |
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3,837 |
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(4.1) |
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Pre-tax profit |
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2,977 |
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2,656 |
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12.1 |
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Attributable net income |
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1,739 |
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1,655 |
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5.1 |
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DATA PER SHARE AND MARKET CAPITALISATION (30-09) |
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Share price |
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8.86 |
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7.56 |
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17.2 |
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Market capitalisation (millions of euros) |
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28,315 |
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24,161 |
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17.2 |
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Attributable net income |
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0.54 |
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0.52 |
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5.1 |
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Book value |
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4.11 |
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4.09 |
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0.5 |
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PER (Price Earning Ratio; times) (1) |
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13.2 |
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14.1 |
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P/VC (Price/Book value; times) |
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2.2 |
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1.8 |
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RELEVANT RATIOS (%) |
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Operating income/ATA |
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1.78 |
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1.95 |
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ROE (Attributable net income/Average equity) |
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19.2 |
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17.4 |
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ROA (Net income/Average total assets) |
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1.08 |
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1.03 |
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RORWA (Net income/Risks weighted assets) |
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1.83 |
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1.80 |
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Cost/Income ratio |
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46.7 |
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46.8 |
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NPL ratio |
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1.96 |
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2.09 |
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Coverage ratio |
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160.2 |
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164.2 |
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CAPITAL ADEQUACY RATIOS (BIS Rules) (%) |
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Total |
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12.5 |
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12.6 |
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Core capital |
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6.1 |
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6.0 |
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OTHER INFORMATION |
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Number of shares (millions) |
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3,196 |
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3,196 |
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Number of shareholders |
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1,179,013 |
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1,189,047 |
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Number of employees |
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85,687 |
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93,949 |
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Spain |
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30,975 |
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31,250 |
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America (2) |
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52,666 |
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60,374 |
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Rest of the world |
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2,046 |
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2,055 |
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Number of branches |
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6,916 |
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7,578 |
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Spain |
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3,347 |
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3,396 |
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America (2) |
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3,371 |
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3,972 |
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Rest of the world |
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198 |
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210 |
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N.B.: Non audited data. consolidated statements follow generally accepted accounting principles of Bank of Spain Circular 4/91 and later Circulars.
(1) The 9M03 PER is calculated taking into consideration the median of the analysts' estimates (October 2003).
(2) This heading includes BBVA Group's banking and pension management activities in all Latin American countries in which it is present.
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