BBVA in 2012

BBVA Group Highlights(Consolidated figures)Balance sheet (million euros)31-12-12 Δ% 31-12-11 31-12-10Total assets 637,785 6.7 597,688 552,738Customer lending (gross) 367,415 1.7 361,310 348,253Deposits from customers 292,716 3.7 282,173 275,789Other customer funds 159,285 10.4 144,291 146,188Total customer funds 452,001 6.0 426,464 421,977Total equity 43,802 9.3 40,058 37,475Income statement (million euros)Net interest income 15,122 15.0 13,152 13,316Gross income 22,441 12.1 20,028 20,333Operating income 11,655 13.3 10,290 11,573Income before tax 1,659 (51.9) 3,446 6,059Net attributable profit 1,676 (44.2) 3,004 4,606Net attributable profit adjusted (1) 4,406 (2.2) 4,505 4,872Data per share and share performance ratiosShare price (euros) 6.96 4.2 6.68 7.56Earning per share adjusted (euros) (1) 0.82 (10.3) 0.92 1.16Book value per share (euros) 8.04 (3.8) 8.35 8.17P/BV (Price/book value; times) 0.9 0.8 0.9PER (Price/earnings; times) 21.5 10.9 7.4Yield (Dividend/price; %) 6.0 6.3 5.6Significant ratios (%)ROE (Net attributable profit adjusted/average equity) (1) 10.5 11.9 16.6ROTE (Net attributable profit adjusted/average tangible equity) (1) 13.2 16.0 23.3ROA (Net income adjusted/average total assets) (1) 0.81 0.88 0.94RORWA (Net income adjusted/average risk-weighted assets) (1) 1.51 1.55 1.73Efficiency ratio 48.1 48.6 43.1Risk premium 2.16 1.20 1.33NPA ratio 5.1 4.0 4.1NPA coverage ratio 72 61 62Capital adequacy ratios (%)Core capital 10.8 10.3 9.6Tier I 10.8 10.3 10.5BIS II ratio 13.0 12.9 13.7Non financial indicatorsIndividual customer satisfaction rate (%) (2) 7.1 7.5 7.5Number of jobs created (net) (3) 3,773 3,200 3,255Global employee satisfaction index (4) 76 n.a. 73Diversity: Ratio of men to women in the staff (%) 47/53 48/52 48/52Socially responsible mutual funds (SRI) (%) (5) 2.6 2.4 2.1Attributable profit dedicated to community involvement programs (%) (6) 4.8 2.5 1.7Number of beneficiaries of the Global Financial Literacy Plan 1,159,032 814,483 416,325Number of microentepreneurs supported by the BBVA MicrofinanceFoundation 1,293,514 948,508 620,584Other informationNumber of shares (millions) 5,449 11.1 4,903 4,491Number of shareholders 1,012,864 2.6 987,277 952,618Number of employees (7) 115,852 4.7 110,645 106,976Number of branches (7) 7,978 7.0 7,457 7,361Number of ATMs (7) 20,177 7.4 18,794 17,055General note: These consolidated accounts of the BBVA Group have been drawn up according to the International Financial Reporting Standards(IFRS) adopted by the European Union and in conformity with Bank of Spain Circular 4/2004, together with the changes introduced therein.(1) In 2011, during the fourth quarter, United States goodwill imparment charge. In 2010, 2011 and 2012, impairment charge related to the deterioration ofthe real-estate sector in Spain. And in 2012, impact of Unnim badwill.(2) 1 - 10 scale. Only for Spain, according to the consolidation scope of each year. Source: FRS Inmark.(3) Staff variation, without considering the inclusion of Unnim and the sale of Puerto Rico in 2012.(4) Biannual survey. Without considering Unnim employees, as the survey was carried out before its incorporation to BBVA Group.(5) As percentage of total investment and pension funds under management.(6) Attributable profit allocated, according to the LBG model for measuring and communicating corporate community investment.(7) Excluding Garanti.