Financial Report 2008
Financial Report 2008 BBVA Group Highlights (Consolidated figures) Excluding results of one-off operations (1) 31-12-08 31-12-07 31-12-06 31-12-08 31-12-07 31-12-06 BALANCE SHEET (million euros) Total assets 542,650 8.2 501,726 411,663 Total lending (gross) 342,671 7.0 320,294 264,720 Customer funds on balance sheet 376,380 11.5 337,518 286,828 Other customer funds 119,017 (21.1) 150,777 142,064 Total customer funds 495,397 1.5 488,295 428,892 Total equity 26,705 (4.4) 27,943 22,318 Shareholders' funds 26,586 7.2 24,811 18,209 INCOME STATEMENT (million euros) Net interest income 11,686 21.4 9,628 8,138 11,686 21.4 9,628 8,138 Gross income 18,978 9.9 17,271 15,143 18,978 9.9 17,271 15,143 Operating income 10,523 11.5 9,441 8,340 10,523 9.1 9,641 8,340 Net operating income 6,151 (15.8) 7,303 5,545 7,442 (2.1) 7,603 6,322 Income before tax 6,926 (18.5) 8,495 7,030 7,490 (2.4) 7,675 6,533 Net attributable profit 5,020 (18.1) 6,126 4,736 5,414 0.2 5,403 4,580 DATA PER SHARE AND SHARE PERFORMANCE RATIOS Share price (euros) 8.66 (48.3) 16.76 18.24 Market capitalisation (million euros) 32,457 (48.3) 62,816 64,788 Net attributable profit per share (euros) 1.35 (20.5) 1.70 1.39 1.46 (2.8) 1.50 1.35 Dividend per share (euros) 0.61 (16.2) 0.73 0.64 Book value per share (euros) 7.09 7.2 6.62 5.13 P/BV (Price/book value; times) 1.2 2.5 3.6 PER (Price/earnings ratio; times) 6.5 10.3 13.7 Yield (Dividend/Price; %) 7.1 4.4 3.5 SIGNIFICANT RATIOS (%) Operating income/Average total assets 2.03 2.05 2.11 2.03 2.09 2.11 ROE (Net attributable profit/Average
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