BBVA in 2012
BBVA in 2012
BBVA in 2012
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15 Eurasia. Key activity data(Million euros)Customer lend<strong>in</strong>g (gross)Customer fundsRec3500034,74030,228–13.0%3000023,90921,35422,73118,963–16.6%250002000015000100005000December2010December2011December<strong>2012</strong>December2010December2011December<strong>2012</strong>0With respect to risk <strong>in</strong>dicators, there was a slight <strong>in</strong>crease <strong>in</strong> the NPA ratio, which closed as of31-Dec-<strong>2012</strong> at 2.8%. However, the ratio cont<strong>in</strong>ues low, ma<strong>in</strong>ly due to the lower volume of lend<strong>in</strong>g.The coverage ratio ended the year at 87% and the risk premium at 0.97%.16 Eurasia. NPA and coverage ratios(Percentage)123114119114Coverageratio87NPA ratio2.81.51.61.41.7December2011March June September December<strong>2012</strong>Earn<strong>in</strong>gsBoth Garanti and CNCB cont<strong>in</strong>ued to perform well <strong>in</strong> <strong>2012</strong>. They helped Eurasia post a gross<strong>in</strong>come <strong>in</strong> <strong>2012</strong> of €2,210m, a rise of 12.7% year-on-year, through their capacity to generaterecurr<strong>in</strong>g revenue.Operat<strong>in</strong>g expenses <strong>in</strong>creased by 20.0% <strong>in</strong> the same period, as a result of cont<strong>in</strong>ued <strong>in</strong>vestments,ma<strong>in</strong>ly <strong>in</strong> emerg<strong>in</strong>g countries. As a result, operat<strong>in</strong>g <strong>in</strong>come <strong>in</strong>creased by 9.0% on the figureposted 12 months previously to €1,432m.152 Bus<strong>in</strong>ess areas
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