BBVA in 2012

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Risk statistics for the BBVA Group’s main performing portfoliosPortfoliosExposure (1) Expected loss (2) Economic capitalMillion euros Million euros % Million euros %Retail mortgageSpain 91,010 99 0.11 1,322 1.45Mexico 10,132 264 2.60 426 4.21Other 20,691 109 0.53 449 2.17Total 121,833 471 0.39 2,197 1.80Other retail portfolios (3)Spain 27,156 205 0.75 1,452 5.35Mexico 14,940 601 4.02 1,690 11.31Other 32,194 770 2.39 2,429 7.54Total 74,291 1,576 2.12 5,571 7.50Companies and institutions (4)Spain 105,331 708 0.67 4,832 4.59Mexico 23,450 252 1.07 1,122 4.78Other 114,452 695 0.61 4,036 3.53Total 243,232 1,655 0.68 9,990 4.11(1) Includes off-balanced sheet positions to which the corresponding conversion factors are applied.(2) Excludes non-performing portfolios.(3) Other retail portfolios = Consumer finance + Credit and debit cards + SME´s + Other retail.(4) Companies and institutions = Corporate + Companies + Developer + Institutions.Chart 23 shows expected loss by business area as of 31-12-2012. Spain, with an exposureamounting to 42.5% of the total, has an expected loss-to-exposure ratio of 0.3%; Eurasia, withan exposure of 8.4%, has a ratio of 0.5%; Mexico has a weight of 14.6% and a ratio of 1.0%;South America a weight of 7.5% and a ratio of 1.2%; and the United States, a weight of 8.2% anda ratio of 0.6%.23BBVA Group. Attributable expected losses (balances not in default) by business area(Percentage over exposure as of 31-12-2012)42.51.2Weight ofexposure/Group totalExpectedloss/exposure0.30.58.41.014.60.67.5 8.2Spain Eurasia Mexico South America The United States106 Risk management
ConcentrationExcluding sovereign risks and financial institutions, there are 129 holding groups among theGroup’s clients (135 in 2011), with risk drawn (loans, contingent liabilities, credit derivatives andfixed-income issues) exceeding €200m, of which 71% hold investment grade rating. The creditrisk (loans plus guarantees) of these groups accounted for 20% of BBVA Group’s total risk (19%in 2010). This risk can be broken down as follows: 80% in Europe and 17% in the Americas(74% in Mexico). Risk is diversified among the main sectors of economic activity, with the mostimportant being: institutions 28%, construction and infrastructure 15%, utilities 14%, energy 10% andtelecommunications 8%, as can be seen in Chart 24.24Concentration. Distribution by sectors in the BBVA Group(Risks above €200 million. 31-12-2012)27.7%15.2%14.1%9.7%8.2%5.3%4.4%3.6%3.3%2.6%2.6%2.1%1.2%InstitutionsConstructionand infrastrucureUtilitiesEnergyTelecomunicationsRetailersCapitalgoodsAutomovilesBasicMaterialsLeisureConsumer &HealthFinancialRealEstateNon-performing assets and risk premiumNon-performing risks closed as of 31-12-2012 at €20,603m, a rise of over €4.737m over theyear. Part of this increase is basically due to the integration of the Unnim balances. At theclose of December Unnim’s NPA figure stood at €3,122m, but with a high coverage ratio.The rest of the increase can be explained by the worsening NPA ratio in Spain, in line withexisting forecasts. With respect to changes in non-performing assets, over 2012 there was ahigher level of gross additions to NPA and a slightly lower level of recoveries. As a result, theratio of recoveries over entries to NPA in 2012 was 57.1%. Many of the additions to NPA weresubjective in nature.25BBVA Group. Non-performing loans. Distribution by business area(31-12-2012)Corporate Activities 0.4%Eurasia 5.6%The United States 4.7%Mexico 7.2%Colombia 0.8%Peru 1.2%Venezuela 1.6%Spain 76.6%South America 5.1%Rest 0.4%Argentina 0.1%Chile 1.3%Non-performing risks: 20,603 million eurosCredit risk107
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BBVA Group Highlights
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“ In 2012 the Group generateda ne
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2
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Letter from the Chairman 5
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All this is the result of a strateg
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1 As the main expression of t
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Our communication in 2012 has conti
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Brand management in 2012 was highly
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BBVA Board CommitteesIn order to be
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• Across-the-board operational co
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Primary stakeholdersIntroduction: t
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BBVA earnings figures presented in
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High liquidity ofBBVA shareBBVA is
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Management modelA model of peoplema
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To sum up, the combination of the a
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South AmericaIn 2012, a common syst
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Number of claims filed at the Banki
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Environmentand BBVA positioningThe
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the measures taken to correct imbal
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The easing of financial tensions in
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Positioning of BBVA GroupBBVA conti
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20 2. A business model based on th
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- Innovate with teams dedicated exc
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25 In short, this banking model
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2. …reflected ingross income…28
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Risk under controlBBVA NPAs versusp
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Business areasSpainStrong franchise
Page 60 and 61: EurasiaAn area ofgrowth andpositive
Page 62 and 63: South AmericaBusiness activity(Year
Page 64 and 65: In short, abusinesstransformationre
Page 67 and 68: Group financialinformation65 Earnin
Page 69 and 70: EarningsIn 2012, BBVA Group reporte
Page 71 and 72: Consolidated income statement: quar
Page 73 and 74: • Resilience in Spain, in a conte
Page 75 and 76: allocations to the deposit guarante
Page 77 and 78: 8 • Maintain its leadership p
Page 79 and 80: 13 Provisions and othersCumulativ
Page 81 and 82: Lastly, earnings per share (EPS) fr
Page 83 and 84: In short, a year in which there has
Page 85 and 86: 20 Lastly, non-performing loans ha
Page 87 and 88: Off-balance-sheet customer funds st
Page 89 and 90: Capital baseThe main highlight in 2
Page 91 and 92: 26 RatingsIn 2012, BBVA’s ratin
Page 93 and 94: Risk management90 Global Risk Manag
Page 95 and 96: Integration of risks andoverall ris
Page 97 and 98: Credit riskCredit risk quantificati
Page 99 and 100: Behavioral scoring is used to revie
Page 101 and 102: The economic cycle in PDThe current
Page 103 and 104: 13LGD for Autos Finanzia, BBVA Spai
Page 105 and 106: The portfolio model and concentrati
Page 107 and 108: The exposure breakdown by rating of
Page 109: 22 Real-estate exposure and coverag
Page 113 and 114: 27 BBVA Group. Net NPA entries(Mill
Page 115 and 116: Structural risksStructural interest
Page 117 and 118: Interest rate risk measurement is s
Page 119 and 120: Structural risk in the equity portf
Page 121 and 122: BBVA continues working to improve a
Page 123 and 124: Credit risk in market activitiesThe
Page 125 and 126: Operational riskOperational risk is
Page 127 and 128: Operational risk management in the
Page 129 and 130: Reputational riskThis is another ty
Page 131 and 132: The economic capital of the Pension
Page 133 and 134: Categories of financing and advice
Page 135 and 136: Business areas135 Spain149 Eurasia1
Page 137 and 138: Furthermore, as usual in the case o
Page 139 and 140: SpainIncome statement(Million euros
Page 141 and 142: • On July 20, the Government requ
Page 143 and 144: 3 Spain. Efficiency ratio versus pe
Page 145 and 146: These lines axes of action will con
Page 147 and 148: 10 Spain. Operating income(Million
Page 149 and 150: - Creation of a SICAV module on the
Page 151 and 152: As of 31-Dec-2012, BBVA Seguros has
Page 153 and 154: EurasiaIncome statement(Million eur
Page 155 and 156: Management prioritiesIn 2012, the E
Page 157 and 158: 17 Eurasia. Efficiency(Million euro
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Highlights• The Bank has been rec
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MexicoIncome statement(Million euro
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area has been positive year-on-year
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30 Mexico. Consumer finance plus cr
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The increase of operating expenses
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As a result of the above, the net a
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government employees and tax collec
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South AmericaIncome statement(Milli
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advancing together with economic ac
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43 South America. Net attributable
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Grupo BBVA. Business share ranking
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Colombia Peru Venezuela2012 ∆%
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The macroeconomic and competitive e
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VenezuelaIn 2012, the growth of the
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By companies, Seguros Argentina, fo
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Significant ratios(Percentage)The U
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opportunities in key markets throug
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51 The United States. NPA and cover
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The area was able to successfully m
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HighlightsThe most relevant awards
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Definition of the aggregateCorporat
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held by retail investors. The conve
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Additional information:Corporate &
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greater efficiency, cost control an
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The trend in operating expenses sho
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Main Corporate Finance transactions
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Corporate LendingCorporate Lending
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In Latin America, the funding of Li
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In Mexico, Global Markets maintains
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Supplementaryinformation216 Consoli
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IFRS (Bank of Spain’s Circular 4/
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JapanTokyoFukoku Seimei Bldg. 12 th
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BBVA in 2012

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