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        <title>Annual accounts - NEWS BBVA</title>
        <atom:link href="https://www.bbva.com/en/economy-and-finance/results/annual-accounts/feed/" rel="self" type="application/rss+xml" />
        <link>https://www.bbva.com/en/</link>
        <description>NEWS BBVA</description>
        <lastBuildDate>Sat, 13 Dec 2025 13:31:47 +0100</lastBuildDate>
        <language>en-US</language>
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                    <title>Earnings: BBVA reports net profit of €10.1 billion in 2024 (+25 percent)</title>
                    <link>https://www.bbva.com/en/economy-and-finance/earnings-4q24/</link>
                    <pubDate>Thu, 30 Jan 2025 06:01:01 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Santiago Romero]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Annual accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate information]]>
                            </category>
                                                    <category>
                                <![CDATA[Earnings]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1082806</guid>
                                            <description>
                            <![CDATA[For yet another year, the bank stood out among comparable European peers for its unique combination of growth of its lending portfolio (14 percent yoy in constant euros), and profitability, with ROTE of 19.7 percent. <a href="https://shareholdersandinvestors.bbva.com/informes/4q24-report-home/" target="_blank" rel="noopener">In 2024 the Group</a> added 11.4 million new customers and channeled €99 billion in sustainable business, reaching the €300-billion¹ goal one year ahead of schedule. Between January and December, BBVA posted a net attributable profit of €10.1 billion, up 25 percent. Earnings per share² saw a higher increase, 28 percent, on the back of a share buyback. Against 2024 earnings, BBVA will pay a cash dividend of €0.70 per share³, 27 percent more than in 2023, and will execute a new share buyback program for €993 million⁴. In total, BBVA will distribute €5.03 billion to its shareholders.
<h6>¹Accumulated since 2018.
²Earnings per Share (EPS) figures considering end of period number of shares.
³Of this amount, €0.29 per share were paid in October as interim dividend of 2024. The additional payout of €0.41 per share is subject to the approval by the bank’s governing bodies.
⁴Subject to approval from the bank’s governing bodies and from corresponding regulators.</h6>]]>
                        </description>
                        <content:encoded>
                            <![CDATA[For yet another year, the bank stood out among comparable European peers for its unique combination of growth of its lending portfolio (14 percent yoy in constant euros), and profitability, with ROTE of 19.7 percent. <a href="https://shareholdersandinvestors.bbva.com/informes/4q24-report-home/" target="_blank" rel="noopener">In 2024 the Group</a> added 11.4 million new customers and channeled €99 billion in sustainable business, reaching the €300-billion¹ goal one year ahead of schedule. Between January and December, BBVA posted a net attributable profit of €10.1 billion, up 25 percent. Earnings per share² saw a higher increase, 28 percent, on the back of a share buyback. Against 2024 earnings, BBVA will pay a cash dividend of €0.70 per share³, 27 percent more than in 2023, and will execute a new share buyback program for €993 million⁴. In total, BBVA will distribute €5.03 billion to its shareholders.
<h6>¹Accumulated since 2018.
²Earnings per Share (EPS) figures considering end of period number of shares.
³Of this amount, €0.29 per share were paid in October as interim dividend of 2024. The additional payout of €0.41 per share is subject to the approval by the bank’s governing bodies.
⁴Subject to approval from the bank’s governing bodies and from corresponding regulators.</h6>]]>
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                    <title>Carlos Torres Vila: "BBVA's share is the best investment we can make"</title>
                    <link>https://www.bbva.com/en/economy-and-finance/carlos-torres-vila-bbvas-share-is-the-best-investment-we-can-make/</link>
                    <pubDate>Fri, 29 Jan 2021 16:53:51 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Annual accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Dividends]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=817841</guid>
                                            <description>
                            <![CDATA[Among the novelties in <a href="https://www.bbva.com/en/results-4q20/" target="_blank" rel="noopener noreferrer">BBVA´s 2020 results presentation</a> is its objective of repurchasing 10 percent of the shares once the sale of the subsidiary in the United States is completed with the capital generated by this operation. At the press conference, Carlos Torres Vila, BBVA Group´s Executive Chairman, stated that "we are saying loud and clear that we consider BBVA´s share the best investment we can make." In addition, he reviewed different strategic options that the bank was considering for investing that capital.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Among the novelties in <a href="https://www.bbva.com/en/results-4q20/" target="_blank" rel="noopener noreferrer">BBVA´s 2020 results presentation</a> is its objective of repurchasing 10 percent of the shares once the sale of the subsidiary in the United States is completed with the capital generated by this operation. At the press conference, Carlos Torres Vila, BBVA Group´s Executive Chairman, stated that "we are saying loud and clear that we consider BBVA´s share the best investment we can make." In addition, he reviewed different strategic options that the bank was considering for investing that capital.]]>
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                    <title>Garanti BBVA contributes over 400 billion Turkish lira to the economy, including loans</title>
                    <link>https://www.bbva.com/en/garanti-bbva-contributes-over-400-billion-turkish-lira-to-the-economy-including-loans/</link>
                    <pubDate>Wed, 28 Oct 2020 00:10:05 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[E056849]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Annual accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Annual reports]]>
                            </category>
                                                    <category>
                                <![CDATA[Communication]]>
                            </category>
                                                    <category>
                                <![CDATA[Earnings]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=798977</guid>
                                            <description>
                            <![CDATA[Türkiye Garanti Bankası A.Ş., recently reported its financial results as of September 30, 2020. Based on the consolidated financials, the bank’s net income in the first nine months of the year was 5.24 billion Turkish lira. Assets totaled 525.91 billion Turkish lira, and the bank’s contribution to the economy through cash and non-cash loans was 400.38 billion Turkish lira. Deposits continued to be the main source of funding, as 66 percent of assets were funded via deposits.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Türkiye Garanti Bankası A.Ş., recently reported its financial results as of September 30, 2020. Based on the consolidated financials, the bank’s net income in the first nine months of the year was 5.24 billion Turkish lira. Assets totaled 525.91 billion Turkish lira, and the bank’s contribution to the economy through cash and non-cash loans was 400.38 billion Turkish lira. Deposits continued to be the main source of funding, as 66 percent of assets were funded via deposits.]]>
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                    <title>BBVA's results beat analysts' expectations</title>
                    <link>https://www.bbva.com/en/economy-and-finance/bbvas-results-beat-analysts-expectations-2/</link>
                    <pubDate>Tue, 04 Feb 2020 11:12:22 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Annual accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Trading account]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=726821</guid>
                                            <description>
                            <![CDATA[On Friday,  January 31st, BBVA presented its <a href="https://www.bbva.com/en/results-4q19/">2019 results</a>. The net attributable profit for the fourth quarter - excluding the impact from the goodwill adjustment in the U.S. - was 10 percent higher than consensus forecasts thanks to a higher net interest income and net trading income (NTI).  In terms of the breakdown by geographic areas, Spain, Mexico and Turkey stand out for their strong performance.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[On Friday,  January 31st, BBVA presented its <a href="https://www.bbva.com/en/results-4q19/">2019 results</a>. The net attributable profit for the fourth quarter - excluding the impact from the goodwill adjustment in the U.S. - was 10 percent higher than consensus forecasts thanks to a higher net interest income and net trading income (NTI).  In terms of the breakdown by geographic areas, Spain, Mexico and Turkey stand out for their strong performance.]]>
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                                <item>
                    <title>Positive jaws: What are they?</title>
                    <link>https://www.bbva.com/en/positive-jaws-what-are-they/</link>
                    <pubDate>Mon, 28 Oct 2019 02:43:54 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Annual accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Annual reports]]>
                            </category>
                                                    <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial education]]>
                            </category>
                                                    <category>
                                <![CDATA[Trading account]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=327171</guid>
                                            <description>
                            <![CDATA[With earnings season in the banking sector underway, it may be the right time to take a look at some of the most commonly used, but more frequently misunderstood, financial terms. One of these terms is the expression '<strong>positive jaws</strong>,' which has been used, for example, by BBVA CEO <strong>Onur Genç</strong> during the quarterly results presentations.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[With earnings season in the banking sector underway, it may be the right time to take a look at some of the most commonly used, but more frequently misunderstood, financial terms. One of these terms is the expression '<strong>positive jaws</strong>,' which has been used, for example, by BBVA CEO <strong>Onur Genç</strong> during the quarterly results presentations.]]>
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                                <item>
                    <title>Francisco González: “BBVA is moving full speed ahead”</title>
                    <link>https://www.bbva.com/en/francisco-gonzalez-bbva-is-moving-full-speed-ahead/</link>
                    <pubDate>Thu, 01 Feb 2018 17:22:33 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Annual accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Board of directors]]>
                            </category>
                                                    <category>
                                <![CDATA[Capital ratio]]>
                            </category>
                                                    <category>
                                <![CDATA[Carlos Torres Vila]]>
                            </category>
                                                    <category>
                                <![CDATA[Dividends]]>
                            </category>
                                                    <category>
                                <![CDATA[Earnings]]>
                            </category>
                                                    <category>
                                <![CDATA[Francisco González Rodríguez]]>
                            </category>
                                                    <category>
                                <![CDATA[Regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Trading account]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=408200</guid>
                                            <description>
                            <![CDATA[BBVA’s digital customers are increasing in number, are more satisfied and interact more with the bank. In fact, the bank has reached its digital tipping point, at which more than 50 percent of its customers are using the bank’s digital channels in six countries (Spain, the United States, Turkey, Argentina, Chile and Venezuela). It’s a milestone that foreseeably will be reached this year by more of the countries where BBVA operates. Indeed in Davos last week, BBVA Group Executive Chairman <a href="https://www.bbva.com/en/biography/top-bbva-biographies-francisco-gonzalez-group-executive-chairman-bbva/" target="_blank" rel="noopener"><strong>Francisco González</strong></a> predicted the Group’s customer base as a whole will pass the 50 percent tipping point in 2018.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA’s digital customers are increasing in number, are more satisfied and interact more with the bank. In fact, the bank has reached its digital tipping point, at which more than 50 percent of its customers are using the bank’s digital channels in six countries (Spain, the United States, Turkey, Argentina, Chile and Venezuela). It’s a milestone that foreseeably will be reached this year by more of the countries where BBVA operates. Indeed in Davos last week, BBVA Group Executive Chairman <a href="https://www.bbva.com/en/biography/top-bbva-biographies-francisco-gonzalez-group-executive-chairman-bbva/" target="_blank" rel="noopener"><strong>Francisco González</strong></a> predicted the Group’s customer base as a whole will pass the 50 percent tipping point in 2018.]]>
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                    <title>Digital sales and 5 other key takeaways from BBVA's earnings report</title>
                    <link>https://www.bbva.com/en/economy-and-finance/digital-sales-and-5-other-key-takeaways-bbvas-earnings-report/</link>
                    <pubDate>Thu, 01 Feb 2018 09:27:57 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Annual accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Francisco González Rodríguez]]>
                            </category>
                                                    <category>
                                <![CDATA[Trading account]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=407211</guid>
                                            <description>
                            <![CDATA[One in every three sales of BBVA products in December 2017 was done through digital channels. Two years ago, in December 2015, only one in every 10 sales was digital. Beyond income and profits, the Group’s digital transformation stands as one of the key takeaways of its year-end earnings report. “<a href="https://www.bbva.com/en/francisco-gonzalez-2017-was-year-with-record-high-income/" target="_blank" rel="noopener noreferrer"><strong>2017 was a good year for BBVA</strong></a>,” said Group Executive Chairman <a href="https://www.bbva.com/en/biography/top-bbva-biographies-francisco-gonzalez-group-executive-chairman-bbva/" target="_blank" rel="noopener noreferrer"><strong>Francisco González</strong></a>.

These are the key takeaways of BBVA’s economic performance in 2017:]]>
                        </description>
                        <content:encoded>
                            <![CDATA[One in every three sales of BBVA products in December 2017 was done through digital channels. Two years ago, in December 2015, only one in every 10 sales was digital. Beyond income and profits, the Group’s digital transformation stands as one of the key takeaways of its year-end earnings report. “<a href="https://www.bbva.com/en/francisco-gonzalez-2017-was-year-with-record-high-income/" target="_blank" rel="noopener noreferrer"><strong>2017 was a good year for BBVA</strong></a>,” said Group Executive Chairman <a href="https://www.bbva.com/en/biography/top-bbva-biographies-francisco-gonzalez-group-executive-chairman-bbva/" target="_blank" rel="noopener noreferrer"><strong>Francisco González</strong></a>.

These are the key takeaways of BBVA’s economic performance in 2017:]]>
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                    <title>What is the accounting adjustment of BBVA regarding its stake in Telefónica?</title>
                    <link>https://www.bbva.com/en/what-is-accounting-adjustment-bbva-regarding-its-stake-telefonica/</link>
                    <pubDate>Tue, 09 Jan 2018 21:46:09 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Blanca González del Fresno]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Annual accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate information]]>
                            </category>
                                                    <category>
                                <![CDATA[Trading account]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=391491</guid>
                                            <description>
                            <![CDATA[In accordance with accounting regulation, BBVA will make an adjustment in its accounts regarding its stake in communications provider Telefónica. This entry does not involve any cash outflow, nor does it have any impact on the bank’s capital ratio or the payment of dividends. The adjustment will be reflected in the income statement for Q4-17.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[In accordance with accounting regulation, BBVA will make an adjustment in its accounts regarding its stake in communications provider Telefónica. This entry does not involve any cash outflow, nor does it have any impact on the bank’s capital ratio or the payment of dividends. The adjustment will be reflected in the income statement for Q4-17.]]>
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                    <title>Results: BBVA earns €3.45 billion in first nine months of the year (+23%)</title>
                    <link>https://www.bbva.com/en/economy-and-finance/results-3q17/</link>
                    <pubDate>Fri, 27 Oct 2017 05:13:33 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[No utilizar]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Annual accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank services]]>
                            </category>
                                                    <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Capital]]>
                            </category>
                                                    <category>
                                <![CDATA[Capital ratio]]>
                            </category>
                                                    <category>
                                <![CDATA[Carlos Torres Vila]]>
                            </category>
                                                    <category>
                                <![CDATA[Communication]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate communication]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate information]]>
                            </category>
                                                    <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Earnings]]>
                            </category>
                                                    <category>
                                <![CDATA[Economic analysis]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial ratios]]>
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                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Institutional communication]]>
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                                                    <category>
                                <![CDATA[Macroeconomics]]>
                            </category>
                                                    <category>
                                <![CDATA[Mobile banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Press release]]>
                            </category>
                                                    <category>
                                <![CDATA[Shareholders]]>
                            </category>
                                                    <category>
                                <![CDATA[Significant events]]>
                            </category>
                                                    <category>
                                <![CDATA[Trading account]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=354880</guid>
                                            <description>
                            <![CDATA[<ul>
 	<li><strong>Operating income: </strong>Recurring revenues continued their upward trend, growing 4.2% between January and September. This, together with cost containment efforts (expenses dropped 1.7% in the year to September), drove operating income to a record €9.52 billion</li>
 	<li><strong>Risks</strong><strong>:</strong> The NPL ratio continued to improve, reaching 4.5% in September (vs. 4.8% in June), the lowest level in the past five years. Coverage increased to 72%</li>
 	<li><strong>Capital: </strong>The fully-loaded CET1 ratio rose to 11.2% in September, reflecting a capital generation of 30 basis points in the first nine months of the year</li>
 	<li><strong>Transformation: </strong>The digital customer base grew 24% y-o-y to 21.1 million in September. Of these, the number of customers banking with their smartphones surged 43% to 15.8 million</li>
</ul>]]>
                        </description>
                        <content:encoded>
                            <![CDATA[<ul>
 	<li><strong>Operating income: </strong>Recurring revenues continued their upward trend, growing 4.2% between January and September. This, together with cost containment efforts (expenses dropped 1.7% in the year to September), drove operating income to a record €9.52 billion</li>
 	<li><strong>Risks</strong><strong>:</strong> The NPL ratio continued to improve, reaching 4.5% in September (vs. 4.8% in June), the lowest level in the past five years. Coverage increased to 72%</li>
 	<li><strong>Capital: </strong>The fully-loaded CET1 ratio rose to 11.2% in September, reflecting a capital generation of 30 basis points in the first nine months of the year</li>
 	<li><strong>Transformation: </strong>The digital customer base grew 24% y-o-y to 21.1 million in September. Of these, the number of customers banking with their smartphones surged 43% to 15.8 million</li>
</ul>]]>
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                                <item>
                    <title>BBVA announces €0.09 per share cash dividend in October</title>
                    <link>https://www.bbva.com/en/bbva-announces-e0-09-share-cash-dividend-october/</link>
                    <pubDate>Wed, 27 Sep 2017 18:13:14 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Blanca González del Fresno]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Annual accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Communication]]>
                            </category>
                                                    <category>
                                <![CDATA[Dividends]]>
                            </category>
                                                    <category>
                                <![CDATA[Equities]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial and commercial services]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial markets and monetary economics]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Share capital]]>
                            </category>
                                                    <category>
                                <![CDATA[Stock exchange]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=350767</guid>
                                            <description>
                            <![CDATA[BBVA’s Board of Directors resolved today to approve the <a href="http://shareholdersandinvestors.bbva.com/TLBB/fbinir/mult/20170927DividendoenefectivoSept_2017en_tcm927-681662.pdf" target="_blank">payment of an interim dividend</a> for 2017, for a gross amount of €0.09 per share, to be paid on October 10.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA’s Board of Directors resolved today to approve the <a href="http://shareholdersandinvestors.bbva.com/TLBB/fbinir/mult/20170927DividendoenefectivoSept_2017en_tcm927-681662.pdf" target="_blank">payment of an interim dividend</a> for 2017, for a gross amount of €0.09 per share, to be paid on October 10.]]>
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