BBVA in 2012

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The following tables show the changes in the period from January 1 to December 31, 2012 forimpaired loans and non-performing contingent liabilities, both for the BBVA Group as a whole andfor each business area.-BBVA Group. Variation in non-performing assets(Million euros)2012 2011 2010Beginning balance 15,866 15,685 15,602Entries 14,525 13,045 13,207Recoveries (8,291) (8,992) (9,063)Net entry 6,234 4,053 4,144Write-offs (4,395) (4,093) (4,307)Exchange differences and others 2,899 221 246Final balance 20,603 15,866 15,685BBVA Group. Variation in non-performing assets by business area(Million euros)Spain Eurasia Mexico South America The United States2012 2011 2012 2011 2012 2011 2012 2011 2012 2011Beginning balance 11,176 11,289 701 311 1,275 1,181 996 880 1,616 1,964Entries 3,754 1,998 594 200 1,370 1,317 543 363 (84) 113Write-offs (2,249) (2,151) (137) (46) (1,212) (1,126) (437) (263) (346) (496)Exchange differences and others 3,098 40 3 236 56 (97) 20 16 (208) 35Final balance 15,778 11,176 1,160 701 1,488 1,275 1,121 996 978 1,61626 BBVA Group. NPA entries(Million euros)13,04514,5252,8043,7132,9183,6103,0923,7173,6744,0411Q2Q3Q4Q1Q2Q3Q4Q2011 2012108 Risk management
27 BBVA Group. Net NPA entries(Million euros)4,0536,2341,6271,7551,6429221,2291,0448581,2101Q2Q3Q4Q1Q2Q3Q4Q2011 201228 BBVA Group. NPA recoveries(Percentage)68.957.176.267.1 66.964.260.956.252.259.41Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q2011 2012The Group’s NPA ratio at the end of December 2012 stood at 5.1%, up 110 basis points over theyear. Of this rise, 56 basis points are the result of the aforementioned integration of Unnim. Therest is mainly the result of the deterioration of the economic situation in Spain, combined with thefinancial deleveraging process underway, as a result of which the ratio in the area amounted to6.9% at the close of December 2012. In Mexico, the NPA ratio was stable over the year and closedat 3.8%. In Eurasia, it rose to 2.8%. In the United States it fell significantly once again to 2.4%, thanksto another improvement in the franchise’s asset quality. Finally, the ratio in South America droppedslightly from 2.2% at the end of 2011 to 2.1% at the close of December 2012.The Group’s risk premium, which measures the charge against earnings made for net lossprovisioning per lending unit, increased by 96 basis points in 2012 to 2.16%. By business area, therisk premium increased to 2.66% in Spain and 0.97% in Eurasia, while in Mexico it remained at3.49% and in South America at 1.34%. In the United States it fell by 66 basis points to 0.23%.Provisions for customer risk increased to €14,804m over the year. This represents an increase of52.8% on the figure at the close of December 2011, mainly due to a significant increase in provisionsin Spain and, to a lesser extent, to the incorporation of Unnim. As a result, the Group’s coverageratio has improved by 11 percentage points to 72%. By business area, Spain and the United Statesincreased their ratios to 67%, 90%, respectively. South America maintained its ratio at 146%. Mexicoclosed the year at 114% and Eurasia at 87%.Credit risk109
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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
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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 and 110: 22 Real-estate exposure and coverag
Page 111: ConcentrationExcluding sovereign ri
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
Page 159 and 160: • The above, together with the hi
Page 161 and 162: 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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