BBVA in 2012

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BBVA values and principlesVision and missionBBVA’s maincommitmentis to provide itscustomers withthe best solutionspossibleBBVA is a global financial services Group committed to providing the best solutions to itscustomers, profitable and sustained growth to its shareholders and progress in the societieswhere it operates. This is the Organization’s mission and raison d’être.Based on a clear vision: “At BBVA, we work for a betterfuture for people”In addition, BBVA Group has a vision as a company, an aspiration that drives its ambition asa bank and which is summarized in one idea: we work for a better future for people. BBVAviews its future as part of the future of all those related to its activity. It believes that its businessdevelopment is linked to the prosperity of the people who live in the societies and countrieswhere it operates and, therefore, seeks to contribute to build a better future for all of them.This way, the Group is committed to the people related to its activity and, particularly, to itscustomers, who are at the core of its business (customer-centric approach). This determinationdefines the identity and positioning of the BBVA brand, as a benchmark of responsible businessconduct.Principles and valuesBBVA is anorganization basedon the principles ofintegrity, prudenceand transparencyWorking for a better future for people is a commitment that the Group defines from the mostbasic fundamentals of responsible business conduct: principles. BBVA is an organization drivenby the principles of integrity, prudence and transparency.• Integrity, as an expression of ethics in the Group’s activity and in its relations with stakeholders(customers, employees, shareholders, suppliers and society at large).• Prudence, understood basically as the principle of caution in risk-taking.• Transparency, as the maxim that prevails throughout its activity to offer access to clear and truthfulinformation within the bounds of the law.In short, this way of working can be summarized in a business model based not only on thetraditional risk-adjusted return, but also on the principle-adjusted return.8 Executive summary
1 As the main expression of these principles, BBVA Group has defined seven corporate values that sumup the application of its principles in the Organization’s daily activity.2BBVA values and principles9
Page 2 and 3: BBVA Group Highlights
Page 4 and 5: “ In 2012 the Group generateda ne
Page 6: 2
Page 9 and 10: Letter from the Chairman 5
Page 11: All this is the result of a strateg
Page 15 and 16: Our communication in 2012 has conti
Page 17 and 18: Brand management in 2012 was highly
Page 19 and 20: BBVA Board CommitteesIn order to be
Page 21 and 22: • Across-the-board operational co
Page 23 and 24: Primary stakeholdersIntroduction: t
Page 25 and 26: BBVA earnings figures presented in
Page 28 and 29: High liquidity ofBBVA shareBBVA is
Page 30 and 31: Management modelA model of peoplema
Page 32 and 33: To sum up, the combination of the a
Page 35 and 36: South AmericaIn 2012, a common syst
Page 37 and 38: Number of claims filed at the Banki
Page 39 and 40: Environmentand BBVA positioningThe
Page 41 and 42: the measures taken to correct imbal
Page 44 and 45: The easing of financial tensions in
Page 46 and 47: Positioning of BBVA GroupBBVA conti
Page 48 and 49: 20 2. A business model based on th
Page 50 and 51: - Innovate with teams dedicated exc
Page 52 and 53: 25 In short, this banking model
Page 54 and 55: 2. …reflected ingross income…28
Page 56 and 57: Risk under controlBBVA NPAs versusp
Page 58 and 59: 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
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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
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Capital baseThe main highlight in 2
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26 RatingsIn 2012, BBVA’s ratin
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Risk management90 Global Risk Manag
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Integration of risks andoverall ris
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Credit riskCredit risk quantificati
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Behavioral scoring is used to revie
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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
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22 Real-estate exposure and coverag
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ConcentrationExcluding sovereign ri
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27 BBVA Group. Net NPA entries(Mill
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Structural risksStructural interest
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Interest rate risk measurement is s
Page 119 and 120:
Structural risk in the equity portf
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BBVA continues working to improve a
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Credit risk in market activitiesThe
Page 125 and 126:
Operational riskOperational risk is
Page 127 and 128:
Operational risk management in the
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Reputational riskThis is another ty
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The economic capital of the Pension
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Categories of financing and advice
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Business areas135 Spain149 Eurasia1
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Furthermore, as usual in the case o
Page 139 and 140:
SpainIncome statement(Million euros
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• On July 20, the Government requ
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3 Spain. Efficiency ratio versus pe
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These lines axes of action will con
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10 Spain. Operating income(Million
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- Creation of a SICAV module on the
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As of 31-Dec-2012, BBVA Seguros has
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EurasiaIncome statement(Million eur
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Management prioritiesIn 2012, the E
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17 Eurasia. Efficiency(Million euro
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• The above, together with the hi
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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
Page 187 and 188:
VenezuelaIn 2012, the growth of the
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By companies, Seguros Argentina, fo
Page 191 and 192:
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
Page 201 and 202:
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
Page 209 and 210:
The trend in operating expenses sho
Page 211 and 212:
Main Corporate Finance transactions
Page 213 and 214:
Corporate LendingCorporate Lending
Page 215 and 216:
In Latin America, the funding of Li
Page 217 and 218:
In Mexico, Global Markets maintains
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Supplementaryinformation216 Consoli
Page 221 and 222:
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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