| Notes |
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 | Graphics |
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| BBVA Group Highlights |
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31-12-05 |
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31-12-04 |
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BALANCE SHEET (million euros) |
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Total assets |
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392.389 |
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334.678 |
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17,2 |
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Customer lending (gross) |
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222.413 |
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176.673 |
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25,9 |
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On-balance sheet customer funds |
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259.200 |
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207.884 |
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24,7 |
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Other customer funds |
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143.887 |
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121.553 |
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18,4 |
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Total customer funds |
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403.087 |
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329.437 |
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22,4 |
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Equity |
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17.302 |
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13.805 |
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25,3 |
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Shareholders' funds (including profit for the year) |
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13.036 |
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10.961 |
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18,9 |
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INCOME STATEMENT (million euros) |
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Net interest income |
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7.208 |
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6.160 |
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17,0 |
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Core revenues |
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11.756 |
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10.060 |
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16,9 |
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Ordinary revenues |
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13.024 |
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11.120 |
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17,1 |
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Operating profit |
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6.823 |
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5.591 |
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22,0 |
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Pre-tax profit |
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5.592 |
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4.137 |
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35,2 |
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Net attributable profit |
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3.806 |
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2.923 |
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30,2 |
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DATA PER SHARE AND MARKET CAPITALIZATION |
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Share price |
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15,08 |
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13,05 |
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15,6 |
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Market capitalization (million euros) |
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51.134 |
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44.251 |
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15,6 |
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Net attributable profit |
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1,12 |
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0,87 |
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29,5 |
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Book value |
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3,84 |
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3,23 |
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18,9 |
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PER (Price/earnings ratio; times) |
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13,4 |
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15,1 |
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P/BV (Price/book value; times) |
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3,9 |
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4,0 |
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SIGNIFICANT RATIOS (%) |
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Operating profit/ATA |
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1,87 |
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1,73 |
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ROE (Net attributable profit/Average equity) |
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37,0 |
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33,2 |
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ROA (Net profit/ATA) |
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1,12 |
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0,96 |
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RORWA (Net profit/Risk weighted average assets) |
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1,91 |
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1,62 |
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Efficiency ratio |
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43,2 |
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44,6 |
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Efficiency ratio including depreciation and amortization |
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46,7 |
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48,6 |
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NPL ratio |
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0,94 |
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1,13 |
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NPL coverage ratio |
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252,5 |
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219,7 |
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CAPITAL ADEQUACY RATIOS (BIS Regulation) (%) |
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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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5,6 |
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5,8 |
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TIER I |
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7,5 |
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7,9 |
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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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984.891 |
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1.081.020 |
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Number of employees |
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94.681 |
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87.112 |
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Spain |
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31.154 |
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31.056 |
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America (1) |
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61.604 |
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54.074 |
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Rest of the world |
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1.923 |
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1.982 |
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Number of branches |
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7.410 |
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6.868 |
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Spain |
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3.578 |
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3.385 |
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America (2) |
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3.658 |
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3.303 |
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Rest of the world |
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174 |
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180 |
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| |
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(1) (1) 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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| BBVA Group Highlights |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
31-12-05 |
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|
|
31-12-04 |
|
|
|
|
|
|
|
|
|
BALANCE SHEET (million euros) |
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|
|
|
|
Total assets |
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|
|
392.389 |
|
|
|
334.678 |
|
|
|
17,2 |
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|
|
|
|
Customer lending (gross) |
|
|
|
222.413 |
|
|
|
176.673 |
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|
|
25,9 |
|
|
|
|
|
On-balance sheet customer funds |
|
|
|
259.200 |
|
|
|
207.884 |
|
|
|
24,7 |
|
|
|
|
|
Other customer funds |
|
|
|
143.887 |
|
|
|
121.553 |
|
|
|
18,4 |
|
|
|
|
|
Total customer funds |
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|
403.087 |
|
|
|
329.437 |
|
|
|
22,4 |
|
|
|
|
|
Equity |
|
|
|
17.302 |
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|
|
13.805 |
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|
|
25,3 |
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|
|
|
|
Shareholders' funds (including profit for the year) |
|
|
|
13.036 |
|
|
|
10.961 |
|
|
|
18,9 |
|
|
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|
|
INCOME STATEMENT (million euros) |
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|
|
|
|
Net interest income |
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7.208 |
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|
6.160 |
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17,0 |
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Core revenues |
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11.756 |
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10.060 |
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16,9 |
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Ordinary revenues |
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13.024 |
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|
11.120 |
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|
17,1 |
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|
Operating profit |
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6.823 |
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|
5.591 |
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|
22,0 |
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|
Pre-tax profit |
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|
5.592 |
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|
|
4.137 |
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|
|
35,2 |
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|
|
|
|
Net attributable profit |
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|
3.806 |
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2.923 |
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30,2 |
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|
DATA PER SHARE AND MARKET CAPITALIZATION |
|
|
|
|
|
Share price |
|
|
|
15,08 |
|
|
|
13,05 |
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|
|
15,6 |
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|
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|
|
Market capitalization (million euros) |
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|
51.134 |
|
|
|
44.251 |
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|
|
15,6 |
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|
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|
Net attributable profit |
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1,12 |
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0,87 |
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29,5 |
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Book value |
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3,84 |
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3,23 |
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18,9 |
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PER (Price/earnings ratio; times) |
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13,4 |
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|
15,1 |
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|
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|
|
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|
P/BV (Price/book value; times) |
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3,9 |
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|
4,0 |
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SIGNIFICANT RATIOS (%) |
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|
Operating profit/ATA |
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1,87 |
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|
1,73 |
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|
ROE (Net attributable profit/Average equity) |
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37,0 |
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33,2 |
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ROA (Net profit/ATA) |
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1,12 |
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0,96 |
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RORWA (Net profit/Risk weighted average assets) |
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1,91 |
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1,62 |
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Efficiency ratio |
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43,2 |
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44,6 |
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Efficiency ratio including depreciation and amortization |
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46,7 |
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48,6 |
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|
NPL ratio |
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0,94 |
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1,13 |
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NPL coverage ratio |
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252,5 |
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219,7 |
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CAPITAL ADEQUACY RATIOS (BIS Regulation) (%) |
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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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5,6 |
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5,8 |
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TIER I |
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7,5 |
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7,9 |
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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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|
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|
|
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|
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|
Number of shareholders |
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984.891 |
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|
|
1.081.020 |
|
|
|
|
|
|
|
|
|
Number of employees |
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|
94.681 |
|
|
|
87.112 |
|
|
|
|
|
|
|
|
|
Spain |
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|
31.154 |
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|
|
31.056 |
|
|
|
|
|
|
|
|
|
America (1) |
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61.604 |
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|
54.074 |
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|
|
|
|
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|
Rest of the world |
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1.923 |
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1.982 |
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|
|
|
|
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|
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|
Number of branches |
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|
7.410 |
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|
|
6.868 |
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|
|
|
|
|
|
|
|
Spain |
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3.578 |
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|
3.385 |
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|
|
|
|
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|
America (2) |
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3.658 |
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|
3.303 |
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|
|
|
|
|
|
|
|
Rest of the world |
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|
174 |
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|
180 |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
(1) (1) 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.
|
|
|
|
|
|
|
|
|
|
|
|