Banco Bilbao Vizcaya Argentaria SA (BBVA) — Tangible Net Worth Ratio
Banco Bilbao Vizcaya Argentaria SA (BBVA) has a Tangible Net Worth Ratio of 96.8% as of September 2025. This metric is calculated by deducting intangible assets (€1.97 Billion) from net assets (€61.81 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See BBVA net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Banco Bilbao Vizcaya Argentaria SA Tangible Net Worth Ratio (1991–2024)
This chart shows how Banco Bilbao Vizcaya Argentaria SA's Tangible Net Worth Ratio has changed across 34 annual periods from 1991 to 2024. As of September 2025, the ratio stands at 96.8%, reflecting net assets of €61.81 Billion with intangible assets of €1.97 Billion EUR. See Banco Bilbao Vizcaya Argentaria SA (BBVA) defensive interval to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for Banco Bilbao Vizcaya Argentaria SA (1991–2024)
The table below presents the year-by-year Tangible Net Worth Ratio for Banco Bilbao Vizcaya Argentaria SA from 1991 to 2024, covering 34 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see market cap of Banco Bilbao Vizcaya Argentaria SA.
| Year | Tangible NW Ratio | Net Assets (EUR) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2024 | 97.0% | €60.01 Billion | €1.79 Billion | €772.40 Billion | ▲ +1.3 pp |
| 2023 | 95.7% | €55.27 Billion | €2.36 Billion | €775.56 Billion | ▼ -1.4 pp |
| 2022 | 97.1% | €50.52 Billion | €1.45 Billion | €712.09 Billion | ▼ 0.0 pp |
| 2021 | 97.2% | €48.76 Billion | €1.38 Billion | €662.88 Billion | ▲ +5.8 pp |
| 2020 | 91.4% | €50.02 Billion | €4.30 Billion | €736.26 Billion | ▼ -4.9 pp |
| 2019 | 96.3% | €54.93 Billion | €2.01 Billion | €695.47 Billion | ▲ +0.4 pp |
| 2018 | 96.0% | €52.87 Billion | €2.13 Billion | €675.67 Billion | ▲ +0.5 pp |
| 2017 | 95.5% | €53.32 Billion | €2.40 Billion | €690.06 Billion | ▲ +0.6 pp |
| 2016 | 94.9% | €55.43 Billion | €2.85 Billion | €731.86 Billion | ▲ +0.5 pp |
| 2015 | 94.3% | €55.28 Billion | €3.14 Billion | €749.86 Billion | ▼ -2.4 pp |
| 2014 | 96.8% | €51.61 Billion | €1.67 Billion | €631.94 Billion | ▲ +0.6 pp |
| 2013 | 96.2% | €44.56 Billion | €1.69 Billion | €582.70 Billion | ▲ +0.1 pp |
| 2012 | 96.1% | €43.66 Billion | €1.70 Billion | €621.13 Billion | ▼ -0.5 pp |
| 2011 | 96.6% | €40.06 Billion | €1.34 Billion | €582.84 Billion | ▼ -0.5 pp |
| 2010 | 97.2% | €37.48 Billion | €1.06 Billion | €552.74 Billion | ▼ -0.1 pp |
| 2009 | 97.2% | €30.76 Billion | €852.00 Million | €535.07 Billion | ▲ +0.2 pp |
| 2008 | 97.1% | €26.70 Billion | €780.00 Million | €542.65 Billion | ▼ 0.0 pp |
| 2007 | 97.1% | €27.94 Billion | €808.00 Million | €501.73 Billion | ▼ -1.6 pp |
| 2006 | 98.7% | €22.32 Billion | €296.00 Million | €411.66 Billion | ▼ -0.1 pp |
| 2005 | 98.8% | €17.30 Billion | €212.00 Million | €392.39 Billion | ▼ -0.4 pp |
| 2004 | 99.2% | €13.81 Billion | €110.59 Million | €329.44 Billion | ▲ +12.2 pp |
| 2003 | 87.0% | €20.47 Billion | €2.66 Billion | €286.65 Billion | ▲ +0.6 pp |
| 2002 | 86.4% | €21.19 Billion | €2.88 Billion | €279.80 Billion | ▲ +7.4 pp |
| 2001 | 79.0% | €24.58 Billion | €5.15 Billion | €309.78 Billion | ▲ +1697.7 pp |
| 2000 | -1618.7% | €23.90 Billion | €410.83 Billion | €300.81 Billion | ▼ -1718.7 pp |
| 1999 | 100.0% | €17.78 Billion | €0.00 | €238.53 Billion | ▲ +21.1 pp |
| 1998 | 78.9% | €8.73 Billion | €1.84 Billion | €133.94 Billion | ▼ -21.1 pp |
| 1997 | 100.0% | €7.75 Billion | €0.00 | €126.01 Billion | ▲ +0.0 pp |
| 1996 | 100.0% | €6.23 Billion | €0.00 | €104.52 Billion | ▲ +0.0 pp |
| 1995 | 100.0% | €5.07 Billion | €0.00 | €89.79 Billion | ▲ +0.0 pp |
| 1994 | 100.0% | €4.75 Billion | €0.00 | €80.37 Billion | ▲ +0.0 pp |
| 1993 | 100.0% | €4.73 Billion | €0.00 | €72.32 Billion | ▲ +0.0 pp |
| 1992 | 100.0% | €4.72 Billion | €0.00 | €72.02 Billion | ▲ +0.0 pp |
| 1991 | 100.0% | €2.83 Billion | €0.00 | €51.50 Billion | — |