| Notes |
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| BBVA Group Highlights |
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30-09-04 |
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30-09-03 |
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BALANCE SHEET (millon euros) |
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Total assets |
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310,333 |
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284,816 |
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9.0 |
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Total lending (gross) |
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170,067 |
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150,217 |
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13.2 |
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On-balance-sheet customer funds |
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195,899 |
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179,369 |
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9.2 |
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Other customer funds managed |
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123,009 |
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112,032 |
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9.8 |
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Total customer funds managed |
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318,908 |
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291,401 |
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9.4 |
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Shareholer`funds (including profit for the year) |
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15,659 |
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13,141 |
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19.2 |
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INCOME STATEMENT (millon euros) |
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Net interest income |
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5,261 |
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5,023 |
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4.7 |
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Core revenues |
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7,784 |
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7,471 |
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4.2 |
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Ordinary revenues |
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8,153 |
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7,974 |
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2.2 |
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Operating profit |
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4,016 |
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3,686 |
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9.0 |
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Pre-tax profit |
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3,233 |
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2,977 |
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8.6 |
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Net attributable profit |
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2,059 |
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1,739 |
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18.4 |
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DATA PER SHARE AND MARKET CAPITALIZATION |
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Share price |
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11.08 |
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8.86 |
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25.1 |
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Market capitalization (millon euros) |
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37,571 |
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28,315 |
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32.7 |
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Net attributable profit |
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0.61 |
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0.54 |
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12.4 |
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Bool value |
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4.62 |
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4.11 |
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12.3 |
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PER (Price/earnings;times) (1) |
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14.1 |
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12.7 |
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P/VC (Price/book value ratio;times) |
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2.4 |
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2.2 |
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SIGNIFICANT RATIOS (%) |
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Operating profit/ATA |
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1.78 |
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1.78 |
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ROE (Net atributable profit/Average equity) |
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19.7 |
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19.2 |
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ROA (Net profit/Average total assets) |
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1.04 |
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1.08 |
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RORWA (Net profit/Risk weighted average assets) |
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1.79 |
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1.83 |
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Efficiency ratio |
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44.8 |
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46.7 |
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NPL ratio <8Nonperforming assets/Total risks) |
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1.05 |
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1.52 |
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NPL coverage ratio |
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235.8 |
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180.2 |
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CAPITAL ADEQUACY RATIOS (BIS regulations) (%) |
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Total |
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12.0 |
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12.5 |
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Core capital |
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6.0 |
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6.1 |
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TIER I |
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8.0 |
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8.2 |
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OTHER INFORMATION |
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Number of shares (millon) |
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3,391 |
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3,196 |
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Number of shareholders |
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1,117,771 |
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1,179,013 |
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Number of employees |
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84,617 |
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85,687 |
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Spain |
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30,820 |
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30,975 |
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América (2) |
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51,831 |
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52,666 |
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Rest of the world |
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1,966 |
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2,046 |
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Number of branches |
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6,936 |
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6,916 |
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Spain |
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3,372 |
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3,347 |
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America (2) |
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3,378 |
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3,371 |
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Rest of the world |
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186 |
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198 |
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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 1H04 PER is calculated taking into consideration the median of the analysts'estimates (september 2004).
(2) Including those relating to the BBVA Group's banking and pension fund management activities in all the Latin-American countries in which it is present.
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