BBVA in 2012
BBVA in 2012
BBVA in 2012
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South AmericaIncome statement(Million euros)South America<strong>2012</strong> ∆% ∆% (1) 2011 2010Net <strong>in</strong>terest <strong>in</strong>come 4,291 35.7 25.6 3,161 2,494Net fees and commissions 910 26.4 18.3 720 620Net trad<strong>in</strong>g <strong>in</strong>come 443 (8.6) (14.9) 485 458Other <strong>in</strong>come/expenses (281) 6.4 (4.3) (264) (170)Gross <strong>in</strong>come 5,363 30.8 21.6 4,101 3,402Operat<strong>in</strong>g costs (2,328) 23.0 15.4 (1,893) (1,524)Personnel expenses (1,165) 21.6 14.5 (958) (774)General and adm<strong>in</strong>istrative expenses (989) 26.3 18.4 (783) (624)Deprecation and amortization (173) 14.3 5.7 (152) (126)Operat<strong>in</strong>g <strong>in</strong>come 3,035 37.4 26.8 2,208 1,877Impairment on f<strong>in</strong>ancial assets (net) (593) 32.1 21.6 (449) (419)Provisions (net) and other ga<strong>in</strong>s (losses) (202) 127.7 110.8 (89) (35)Income before tax 2,240 34.1 23.7 1,671 1,424Income tax (486) 41.6 30.8 (343) (347)Net <strong>in</strong>come from ongo<strong>in</strong>g operations 1,754 32.2 21.9 1,327 1,077Net <strong>in</strong>come from discont<strong>in</strong>ued operations 241 51.2 39.2 160 195Net <strong>in</strong>come 1,995 34.2 23.7 1,487 1,273Non-controll<strong>in</strong>g <strong>in</strong>terests (649) 35.1 24.0 (480) (383)Net attributable profit 1,347 33.8 23.6 1,007 889(1) At constant exchange rates.Balance sheet(Million euros)South America31-12-12 ∆% ∆% (1) 31-12-11 31-12-10Cash and balances with central banks 12,908 54.9 55.8 8,335 7,064F<strong>in</strong>ancial assets 10,144 13.8 10.9 8,912 8,550Loans and receivables 51,638 19.9 17.7 43,069 33,845Loans and advances to customers 47,146 21.4 18.9 38,831 30,408Loans and advances to credit <strong>in</strong>stitutions and others 4,492 6.0 6.3 4,238 3,437Tangible assets 881 9.4 8.9 805 652Other assets 2,848 22.6 19.7 2,322 1,559Total assets/Liabilities and equity 78,419 23.6 21.6 63,444 51,671Deposits from central banks and credit <strong>in</strong>stitutions 5,947 14.3 9.1 5,205 4,299Deposits from customers 53,870 26.8 25.5 42,468 33,496Debt certificates 3,263 43.0 35.7 2,282 1,864Subord<strong>in</strong>ated liabilities 1,196 (23.7) (26.7) 1,568 1,331F<strong>in</strong>ancial liabilities held for trad<strong>in</strong>g 955 (5.0) (10.7) 1,006 876Other liabilities 9,913 23.9 22.9 8,002 7,381Economic capital allocated 3,275 12.5 10.3 2,912 2,423(1) At constant exchange rates.South America171
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