| Notes |
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| BBVA Group Highlights |
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31-12-04 |
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31-12-03 |
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BALANCE SHEET (millions of euros) |
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Total assets |
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311,072 |
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287,150 |
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8.3 |
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Total lending (gross) |
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174,615 |
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153,271 |
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13.9 |
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On-balance-sheet customer funds |
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199.485 |
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182.831 |
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9,1 |
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Other customer funds managed |
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124,499 |
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113,075 |
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10.1 |
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Total customer funds managed |
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323,984 |
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295,905 |
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9.5 |
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Shareholders`funds (including profit for the year)(1) |
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15,554 |
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12,410 |
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25.3 |
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INCOME STATEMENT (millions of euros) |
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Net interest income |
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7,069 |
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6,741 |
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4.9 |
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Core revenues |
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10,448 |
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10,004 |
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4.4 |
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Ordinary revenues |
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11,053 |
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10,656 |
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3.7 |
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Operating profit |
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5,440 |
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4,895 |
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11.1 |
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Pre-tax profit |
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4,149 |
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3,812 |
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8.8 |
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Attributable net income |
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2,802 |
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2,227 |
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25.8 |
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DATA PER SHARE AND MARKET CAPITALISATION |
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Share price |
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13.05 |
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10.95 |
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19.2 |
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Market capitalisation (millions of euros) |
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44,251 |
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34,995 |
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26.4 |
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Attributable net income |
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0.83 |
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0.70 |
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19.2 |
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Book value |
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4.59 |
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3.88 |
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18.1 |
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PER (Price Earning Ratio;time) |
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15.8 |
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15.7 |
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P/BV (Price/Book value;times) |
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2.8 |
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2.8 |
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RELEVANT RATIOS (%) |
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Operating Income/ATA |
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1.79 |
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1.75 |
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ROE (Attributable net income/Average equity) |
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20.0 |
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18.4 |
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ROA (Net income /average total assets) |
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1.05 |
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1.04 |
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RORWA (Net income/Risk weighter assets) |
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1.79 |
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1.74 |
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Efficiency ratio |
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44.9 |
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47.2 |
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NPL ratui (Nonperforming assets/Total risks) |
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0.95 |
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1.37 |
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NPL coverage ratio |
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247.2 |
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184.9 |
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CAPITAL ADEQUACY RATIOS (BIS rules) (%) |
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Total |
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12.5 |
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12.7 |
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Core capital |
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6.0 |
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6.2 |
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TIER I |
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8.1 |
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8.5 |
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OTHER INFORMATION |
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NUMBER OF SHARES (millions) |
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3,391 |
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3,196 |
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Number of shareholders |
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1,081,020 |
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1,158,887 |
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Number of employees |
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84,117 |
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86,197 |
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Espain |
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30,765 |
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31,095 |
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América (2) |
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51,370 |
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53,100 |
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Rest of the world |
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1,982 |
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2,002 |
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Number of branches |
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6,848 |
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6,924 |
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Spain |
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3,375 |
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3,371 |
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América (2) |
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3,293 |
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3,353 |
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Rest of the world |
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180 |
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200 |
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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) After distribution of fiscal year earnings.
(2) This heading includes BBVA Group banking and pension fund management activities in all the Latin American countries in which it is resent.
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