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Financial ratios

29 Apr 2019

02 Nov 2018

BBVA has once again excelled in EU-wide bank stress tests thanks to its resilience in the face of potential economic shocks. According to the exercise results, published today, BBVA would reach a fully loaded CET1 capital ratio of 8.80 percent in 2020 under the adverse scenario. The bank would also have the second least negative impact among its peers between the initial ratio in 2017 and the final ratio in 2020 (1.93 percentage points). Among big European banks  assessed, BBVA is one of the few banks with the ability to generate an accumulated profit in the three-year period under analysis (2018, 2019, and 2020), under the adverse scenario.

27 Jul 2018

01 Feb 2018

27 Oct 2017

  • Operating income: 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
  • Risks: 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%
  • Capital: 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
  • Transformation: 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

18 Sep 2017

27 Jun 2017

27 Apr 2017

01 Aug 2016

There is a sea of acronyms to measure profitability. Some are more widely known in the industry, such as ROE, ROTE or ROA. However, the more r’s they have, the more complicated things get (RORWA, RAROC, RORAC, RARORAC). But, which ratio is the most reliable to measure a bank’s profitability?  Let’s go over each one of them to understand their meaning and apply the most appropriate one in each case.

29 Jul 2016

04 Apr 2016