BBVA

BANCO BILBAO VIZCAYA ARGENTARIA, S.A.

CIF A48265169 Spain Financial IBEX35 seen 1434 times Last report December 2020

Employees 25,139 (50.70% women)
Profit 1,305M €
Credit Quality 0.83%
Interest Margin 15,684M €
Earnings per share 0.54 €

Balance

Assets and liabilities

Financial Debts on Assets -55.29%   -14.28%
Net Financial Debt -407,053M €   -14.28%
Working Balance -5.95%   -220.2%
Inmovilization 11.68%    2.65K%
Liquidity 93.62%   -11.09%

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  • Financial Debts on Assets: Net financial debt on total assets. Indicates how indebted the company is by comparing it with its assets.
  • Net Financial Debt: Financial liabilities minus cash and financial assets. If it is negative it indicates that there is no financial debt, but surplus.
  • Working Balance: The working capital are the current assets minus current liabilities. Dividing the working capital to the assets indicates the health of the company from the point of view of liquidity.
  • Inmovilization: Percentage of fixed assets on total assets.
  • Liquidity: Ability to deal with short-term debts.
Credit Quality

Credit Quality Ratio 0.83%   -3.17%

Doubtful Credits Ratio 4.27%    14.65%

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  • Credit Quality Ratio: Proportion of provisions in total assets.
  • Doubtful Credits Ratio: Proportion of doubtful credits (in monetary units) with respect to the total credits granted.
  • Doubtful Refinanced Operations Ratio: Proportion of doubtful refinanced operations (in monetary units) with respect to the total of refinanced operations granted.
Leverage

Leverage 6.74%    7.95%

AT1 Ratio 1.89%    12.6%
CET1 Ratio 12.15%    4.46%
TIER1 Ratio 14.04%    5.49%
TIER2 Ratio 2.42%   -6.24%

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  • Leverage: Percentage of assets represented by liabilities with financial institutions (which generate costs)
  • AT1 Ratio: Additional Tier 1 capital. It is also known as convertible contingent bonds (CoCos), that is, the bank pays an interest and if an expected contingency happens it can be converted into shares.
  • CET1 Ratio: Common equity tier 1 capital. It informs us of the financial strength of a bank.
  • TIER1 Ratio: Share capital of a bank with respect to the total of its assets weighted by risk. A high ratio tells us that the bank has a good contingency gap.
  • TIER2 Ratio: This capital takes into account all those elements that absorb losses when the entity is not profitable.
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Income Statement

Result

Result 1,305M €   -1.61K%

Profit on Interest Margin 13.14%    287.3%
Profit on credits 0.6%    315.4%
Earnings per share 0.54 €    63.64%
Funds from Operations -87.96M €   -94.7%
Raw Margin 21,572M €   -12.3%
Interest Margin 15,684M €   -12.22%
Reinsurance Business 976.9M €   -12.42%

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  • Result: Earnings
  • Profit on Interest Margin: Proportion of the interest margin that are net profit.
  • Profit on credits: Proportion of credits that are net profit. It is a way of knowing the efficiency and profitability that is extracted from the credits granted.
  • Earnings per share: Net profit attributed to each of the outstanding shares.
  • Funds from Operations: Funds from operations. It results from adding profit and amortizations.
  • Raw Margin: It is the interest margin subtracted (added) by the expenses and operating income.
  • Interest Margin: It is the balance between the interest paid for deposits and interest charged for credits.
  • Reinsurance Business: It is the balance between income and expenses for the reinsurance business.
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Expenses

Expenses / EBIT 322.1%   -4.15%

Staff Costs 518,423M €   -14.79%
Staff Costs (mean) 20.62M €   -14.25%
Administration expenses / Interest Margin 54.5%   -2.29%

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  • Expenses / EBIT: Proportion of the EBIT that will be used in expenses. It should always be below 100%.
  • Staff Costs: Staff expenses.
  • Staff Costs (mean): Staff expenses (Mean).
  • Administration expenses / Interest Margin: Administrative expenses on the interest margin.
Business Quality

Margin of Interest / Assets 2.13%   -10.12%

Doubtful credits / Margin of Interest 93.59%    6.9%
Doubtful refinanced operations / Margin of Interest 0%   0%
ROA 0.28%    248.1%
ROE 2.93%   -1.58K%

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  • Doubtful credits / Margin of Interest: Proportion of the interest margin represented by doubtful loans.
  • Margin of Interest / Assets: Percentage of the asset that represents the margin of interest. As a large part of the assets are customer deposits, it is a way of calculating the profitability of the banking business.
  • Doubtful refinanced operations / Margin of Interest: Proportion of the interest margin represented by doubtful refinanced operations.
  • ROA: Return on assets. Percentage of assets that represent the benefits.
  • ROE: Return on equity. Percentage of own resources that represent the benefits.
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