| Notes |
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| BBVA Group Highlights |
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30-09-05 |
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30-09-04 |
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BALANCE SHEET (million euros) |
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Total assets |
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374,828 |
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325,247 |
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15.2 |
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Customer lending (gross) |
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208,156 |
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168,274 |
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23.7 |
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On-balance sheet customer funds |
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238,143 |
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197,747 |
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20.4 |
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Other customer funds |
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141,828 |
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120,473 |
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17.7 |
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Total customer funds |
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379,971 |
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318,220 |
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19.4 |
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Equity |
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16,940 |
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12,773 |
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32.6 |
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Shareholders' funds (including profit for the year) |
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12,522 |
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10,556 |
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18.6 |
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INCOME STATEMENT (million euros) |
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Net interest income |
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5,187 |
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4,530 |
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14.5 |
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Core revenues |
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8,489 |
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7,438 |
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14.1 |
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Ordinary revenues |
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9,328 |
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8,159 |
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14.3 |
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Operating profit |
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4,867 |
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4,065 |
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19.7 |
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Pre-tax profit |
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4,130 |
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3,151 |
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31.1 |
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Net attributable profit |
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2,728 |
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2,184 |
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24.9 |
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DATA PER SHARE AND MARKET CAPITALIZATION |
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Share price |
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14.59 |
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11.08 |
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31.7 |
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Market capitalization (million euros) |
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49,473 |
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37,571 |
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31.7 |
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Net attributable profit |
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0.80 |
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0.65 |
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24.4 |
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Book value |
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3.69 |
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3.11 |
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18.6 |
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PER (Price/earnings ratio:times) (1) |
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13.4 |
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12.9 |
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P/BV (Price/book value; times) |
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4.0 |
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3.6 |
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SIGNIFICANT RATIOS (%) |
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Operating profit/ATA |
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1.78 |
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1.70 |
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ROE (Net attributable/Average equity) |
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35.2 |
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33.3 |
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ROA (Net profit/ATA) |
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1.07 |
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0.97 |
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RORWA (Net profit/Risk weighted average assets) |
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1.83 |
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1.60 |
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Efficiency ratio |
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43.6 |
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44.7 |
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Efficiency ratio including depreciation and amortization |
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47.0 |
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48.9 |
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NPL ratio |
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0.98 |
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1.29 |
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NPL coverage ratio |
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246.4 |
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211.7 |
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CAPITAL ADEQUACY RATIOS (BIS Regulation) (%) |
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Total |
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12.7 |
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12.1 |
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Core capital |
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5.9 |
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5.9 |
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TIER I |
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7.9 |
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7.8 |
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OTHER INFORMATION |
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Number of shares (million) |
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3,391 |
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3,391 |
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Number of shareholders |
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1,012,975 |
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1,117,771 |
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Number of employees |
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91,770 |
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87,625 |
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Spain |
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31,188 |
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31,106 |
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America (2) |
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58,643 |
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54,553 |
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Rest of the world |
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1,939 |
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1,966 |
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Number of branches |
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7,208 |
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6,979 |
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Spain |
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3,510 |
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3,382 |
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America (2) |
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3,526 |
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3,411 |
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Rest of the wprld |
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172 |
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186 |
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(1) The 2005 PER is calculated taking into consideration the median of the analysts' estimates (October 2005)
(2) Includes those related to the BBVA Group's banking, pension fund managers and insurance companies in all the American countries in which it is present.
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