BANCO BILBAO VIZCAYA ARGENTARIA SOCIEDAD ANONIMA financials
BANCO BILBAO VIZCAYA ARGENTARIA SOCIEDAD ANONIMA
Country: ES Reporting currency: EUR Latest annual report: 2024-12-31
LEI:
K8MS7FD7N5Z2WQ51AZ71 Financial statements
(EUR, as reported — unscaled; 167 line items across 3 annual periods)
| Line item | 2024 | 2023 | 2022 |
|---|---|---|---|
| Income statement | |||
| Gross profit | €35.48B | €29.54B | €24.74B |
| Administrative expenses | €12.66B | €10.90B | €9.37B |
| Employee benefits expense | €7.66B | €6.53B | €5.60B |
| Depreciation & amortisation | €1.53B | €1.40B | €1.33B |
| Operating profit (EBIT) | €15.35B | €12.43B | €10.37B |
| Profit before tax | €15.40B | €12.42B | €10.27B |
| Income tax expense | €4.83B | €4.00B | €3.50B |
| Profit for the year | €10.57B | €8.42B | €6.76B |
| — attributable to owners | €10.05B | €8.02B | €6.36B |
| — attributable to NCI | €521.0M | €397.0M | €405.0M |
| Total comprehensive income | €10.16B | €9.59B | €7.55B |
| Per share | |||
| Basic EPS | €1.68 | €1.29 | €0.98 |
| Free cash flow / share | €-3.08 | €-0.28 | €3.17 |
| Cash flow statement | |||
| Net cash from operating activities | -€18.19B | -€721.0M | €23.72B |
| Purchase of PP&E (capex) | €1.20B | €1.13B | €1.81B |
| Purchase of intangibles | €816.0M | €690.0M | €630.0M |
| Dividends paid | €3.91B | €2.81B | €2.19B |
| Balance sheet | |||
| Total assets | €772.40B | €775.56B | €712.09B |
| Property, plant & equipment | €9.51B | €9.05B | €8.44B |
| Intangible assets & goodwill | €2.49B | €2.36B | €2.16B |
| Cash & equivalents | €51.15B | €75.42B | €79.76B |
| Total equity | €60.01B | €55.27B | €50.52B |
| Non-controlling interests | €4.36B | €3.56B | €3.62B |
| Deferred tax liabilities | €2.46B | €1.68B | €1.52B |
| Derived metrics | |||
| Free cash flow | -€19.39B | -€1.85B | €21.91B |
| Return on equity | 17.6% | 15.2% | 13.4% |
| Cash conversion ratio | -1.72× | -0.09× | 3.51× |
| Capex coverage | -15.22× | -0.64× | 13.09× |
| Other reported items | |||
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Assets | -€65.0M | -€97.0M | -€148.0M |
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Liabilities | €0 | €0 | €0 |
| Accumulated Other Comprehensive Income | -€17.22B | -€16.25B | -€17.64B |
| Adjustments For Decrease Increase In Financial Assets Held For Trading | €28.45B | -€27.88B | €14.66B |
| Adjustments For Decrease Increase In Other Assets | -€2.14B | €476.0M | -€548.0M |
| Adjustments For Depreciation and Amortisation Expense | €1.53B | €1.40B | €1.33B |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | -€32.70B | €24.43B | €2.91B |
| Adjustments For Increase Decrease In Other Liabilities | €392.0M | -€1.09B | -€17.0M |
| Adjustments For Reconcile Profit Loss | €14.82B | €12.15B | €11.75B |
| Amounts Removed From Equity and Included In Carrying Amount of Nonfinancial Asset Liability Whose Acquisition Or Incurrence Was Hedged Highly Probable Forecast Transaction Before Tax | €0 | €0 | €0 |
| Assets Under Insurance Contracts and Reinsurance Contracts Issued | €191.0M | €211.0M | €183.0M |
| Bank Overdrafts Classified As Cash Equivalents | €0 | €0 | €0 |
| Basic Earnings Loss Per Share From Continuing Operations | €1.68 | €1.29 | €0.98 |
| Basic Earnings Loss Per Share From Discontinued Operations | €0.00 | €0.00 | €0.00 |
| Cancellation of Treasury Shares | €725.0M | €741.0M | €432.0M |
| Cash | €8.64B | €7.75B | €6.53B |
| Cash and Bank Balances At Central Banks | €35.31B | €60.75B | €67.31B |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €73.0M | €21.0M | €0 |
| Cash Flows From Used In Financing Activities Continuing Operations | -€2.57B | -€1.84B | -€7.56B |
| Cash Flows From Used In Investing Activities Continuing Operations | -€1.42B | -€1.42B | -€3.91B |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €28.0M | €0 | €1.39B |
| Comprehensive Income Attributable To Noncontrolling Interests | €1.11B | €184.0M | €1.35B |
| Comprehensive Income Attributable To Owners of Parent | €9.05B | €9.41B | €6.20B |
| Current Tax Assets | €4.29B | €2.86B | €1.98B |
| Current Tax Liabilities | €575.0M | €878.0M | €1.42B |
| Debt Securities | €69.87B | €68.71B | €55.43B |
| Deferred Tax Assets | €14.35B | €14.64B | €14.75B |
| Deposits From Banks | €34.41B | €40.04B | €26.93B |
| Deposits From Customers | €447.65B | €413.49B | €394.40B |
| Derivative Financial Assets Held For Hedging | €1.16B | €1.48B | €1.89B |
| Derivative Financial Assets Held For Trading | €36.00B | €34.29B | €39.91B |
| Derivative Financial Liabilities Held For Hedging | €2.50B | €2.63B | €3.30B |
| Derivative Financial Liabilities Held For Trading | €33.06B | €33.05B | €37.91B |
| Diluted Earnings Loss Per Share From Continuing Operations | €1.68 | €1.29 | €0.98 |
| Diluted Earnings Loss Per Share From Discontinued Operations | €0.00 | €0.00 | €0.00 |
| Dividends Recognised As Distributions To Owners Per Share | €1.68 | €1.29 | €0.98 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -€2.09B | -€357.0M | -€288.0M |
| Equity and Liabilities | €772.40B | €775.56B | €712.09B |
| Equity Reclassified Into Financial Liabilities | €0 | €0 | €0 |
| Expense Arising From Insurance Contracts | €2.24B | €1.82B | €1.55B |
| Fair Value of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income | €1.45B | €1.22B | €1.20B |
| Fee and Commission Expense | €5.05B | €3.61B | €2.89B |
| Fee and Commission Income | €13.04B | €9.90B | €8.26B |
| Financial Assets At Amortised Cost | €502.40B | €451.73B | €414.42B |
| Financial Assets At Fair Value Through Other Comprehensive Income | €59.00B | €62.20B | €65.37B |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €108.95B | €141.04B | €110.67B |
| Financial Assets At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €836.0M | €955.0M | €913.0M |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €10.55B | €8.74B | €6.89B |
| Financial Liabilities At Amortised Cost | €584.34B | €557.59B | €529.17B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €86.59B | €121.72B | €95.61B |
| Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €14.95B | €13.30B | €10.58B |
| Financial Liabilities Reclassified Into Equity | €0 | €0 | €0 |
| Gain Loss On Hedge Ineffectiveness Recognised In Profit Or Loss | €5.0M | -€17.0M | -€45.0M |
| Gains Losses On Cash Flow Hedges Before Tax | €331.0M | €832.0M | €91.0M |
| Gains Losses On Exchange Differences On Translation Before Tax | -€646.0M | €1.38B | €3.41B |
| Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss | €695.0M | €339.0M | €1.27B |
| Gains Losses On Financial Assets At Amortised Cost | -€5.69B | -€4.39B | -€3.30B |
| Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €179.0M | €337.0M | -€67.0M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | -€217.0M | €757.0M | -€2.53B |
| Gains Losses On Hedges of Net Investments In Foreign Operations Before Tax | €169.0M | -€1.09B | -€1.17B |
| Impairment Loss On Financial Assets | €5.75B | €4.43B | €3.38B |
| Impairment Loss Recognised In Profit Or Loss Intangible Assets and Goodwill | €15.0M | €26.0M | €25.0M |
| Income Arising From Insurance Contracts | €3.72B | €3.08B | €2.62B |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | -€36.0M | €482.0M | -€791.0M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | -€23.0M | -€59.0M | €143.0M |
| Income Taxes Paid Refund Classified As Operating Activities | €5.63B | €5.35B | €3.23B |
| Increase Decrease Through Acquisition of Subsidiary | €0 | €0 | €0 |
| Increase Decrease Through Conversion of Convertible Instruments | €0 | €0 | €0 |
| Increase Decrease Through Sharebased Payment Transactions | -€26.0M | -€41.0M | -€22.0M |
| Increase Decrease Through Transfers and Other Changes Equity | -€326.0M | -€305.0M | -€857.0M |
| Inflows of Cash From Investing Activities | €617.0M | €492.0M | €596.0M |
| Intangible Assets Other Than Goodwill | €1.79B | €1.57B | €1.45B |
| Interest Expense | €36.39B | €24.76B | €12.31B |
| Interest Revenue Calculated Using Effective Interest Method | €55.22B | €42.14B | €29.13B |
| Interest Revenue Expense | €25.27B | €23.09B | €19.12B |
| Inventories Total | €1.30B | €276.0M | €325.0M |
| Investment Property | €253.0M | €207.0M | €296.0M |
| Investments In Associates | €895.0M | €883.0M | €816.0M |
| Investments In Joint Ventures | €94.0M | €93.0M | €100.0M |
| Investments In Subsidiaries Joint Ventures and Associates | €989.0M | €976.0M | €916.0M |
| Issue of Equity | €0 | €0 | €0 |
| Issued Capital | €2.82B | €2.86B | €2.96B |
| Legal Proceedings Provision | €791.0M | €696.0M | €685.0M |
| Liabilities | €712.39B | €720.29B | €661.58B |
| Liabilities Arising From Insurance Contracts | €10.98B | €12.11B | €10.13B |
| Liabilities Due To Central Banks | €14.67B | €20.31B | €38.32B |
| Liabilities Included In Disposal Groups Classified As Held For Sale | €0 | €0 | €0 |
| Loans and Advances To Banks | €22.66B | €17.48B | €16.03B |
| Loans and Advances To Customers | €412.48B | €377.64B | €357.35B |
| Miscellaneous Other Operating Expense | €3.95B | €4.04B | €3.44B |
| Miscellaneous Other Operating Income | €623.0M | €619.0M | €528.0M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €828.0M | €923.0M | €1.02B |
| Other Adjustments To Reconcile Profit Loss | €13.28B | €10.75B | €10.42B |
| Other Assets | €5.53B | €2.86B | €2.59B |
| Other Cash Payments To Acquire Interests In Joint Ventures Classified As Investing Activities | €1.0M | €93.0M | €81.0M |
| Other Cash Receipts From Sales of Interests In Joint Ventures Classified As Investing Activities | €32.0M | €58.0M | €127.0M |
| Other Comprehensive Income | -€414.0M | €1.18B | €789.0M |
| Other Comprehensive Income Before Tax Cash Flow Hedges | €331.0M | €832.0M | €72.0M |
| Other Comprehensive Income Before Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€102.0M | -€24.0M | €100.0M |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | -€646.0M | €1.38B | €3.41B |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €236.0M | €100.0M | -€121.0M |
| Other Comprehensive Income Before Tax Gains Losses On Hedging Instruments That Hedge Investments In Equity Instruments | €0 | €0 | €0 |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€78.0M | -€358.0M | €354.0M |
| Other Comprehensive Income Before Tax Hedges of Net Investments In Foreign Operations | €169.0M | -€1.09B | -€1.17B |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | -€493.0M | €1.40B | €599.0M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €79.0M | -€223.0M | €190.0M |
| Other Equity Interest | €40.0M | €40.0M | €63.0M |
| Other Expense By Function | €5.00B | €4.38B | €3.77B |
| Other Financial Assets | €7.20B | €6.92B | €5.91B |
| Other Financial Liabilities | €17.75B | €15.05B | €14.08B |
| Other Liabilities | €5.37B | €5.48B | €4.91B |
| Other Provisions | €429.0M | €452.0M | €380.0M |
| Other Reserves | €1.81B | €2.02B | €2.35B |
| Outflows of Cash From Investing Activities | €2.04B | €1.91B | €4.51B |
| Proceeds From Disposal of Noncurrent Assets Or Disposal Groups Classified As Held For Sale and Discontinued Operations | €408.0M | €321.0M | €440.0M |
| Proceeds From Issue of Subordinated Liabilities | €5.51B | €4.67B | €0 |
| Proceeds From Issuing Shares | €0 | €0 | €0 |
| Proceeds From Sales of Intangible Assets Classified As Investing Activities | €0 | €0 | €0 |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €104.0M | €92.0M | €29.0M |
| Profit Loss From Continuing Operations | €10.57B | €8.42B | €6.76B |
| Profit Loss From Discontinued Operations | €0 | €0 | €0 |
| Provisions | €4.62B | €4.92B | €4.93B |
| Provisions For Employee Benefits | €2.35B | €2.57B | €2.63B |
| Purchase of Treasury Shares | €1.53B | €2.17B | €2.97B |
| Reclassification Adjustments On Cash Flow Hedges Before Tax | €0 | €0 | €19.0M |
| Reclassification Adjustments On Exchange Differences On Translation Before Tax | €0 | -€1.0M | €0 |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €181.0M | €5.0M | -€30.0M |
| Reclassification Adjustments On Hedges of Net Investments In Foreign Operations Before Tax | €0 | €0 | €0 |
| Reduction of Issued Capital | €0 | €0 | €0 |
| Repayments of Subordinated Liabilities | €2.60B | €1.63B | €2.26B |
| Retained Earnings | €40.69B | €36.24B | €32.71B |
| Revaluation Surplus | €0 | €0 | €0 |
| Revenue From Dividends | €120.0M | €118.0M | €123.0M |
| Revenue From Interest | €61.66B | €47.85B | €31.43B |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss Before Tax | €16.0M | €12.0M | -€7.0M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Before Tax | €0 | €0 | €0 |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €40.0M | €26.0M | €21.0M |
| Share Premium | €19.18B | €19.77B | €20.86B |
| Treasury Shares | €66.0M | €34.0M | €29.0M |
Methodology
Every line item above is a fact tagged in BANCO BILBAO VIZCAYA ARGENTARIA SOCIEDAD ANONIMA's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.