BBVA in 2012

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The retail portfolio, which includes consumer finance, credit cards, residential mortgages andloans to small businesses, performed very well, with a balance of €20,481m, equivalent to anincrease of 9.6% compared with the figure for the close of 2011.28 Mexico. Retail portfolio evolution(Billion euros at constant exchange rate)2516.316.817.417.918.719.119.620.120.52015105December MarchJune September December MarchJune September2010 20112012December0Outstanding within this portfolio was lending to small businesses, which increased 26.5% on thefigure for 2011.29 Mexico. Lending to small businesses evolution(Billion euros at constant exchange rate)1.21.21.31.3December MarchJune September December MarchJune September2010 201120121.41.51.61.71.8December1,81,61,41,21,00,80,60,40,20,0Consumer finance and credit cards rose by 13.3% to €9,675m. It is worth highlighting that over amillion consumer loans were sold during the year, including payroll, auto and personal loans. Creditcard lending has continued to perform well, with a year-on-year increase of 14.1%.162 Business areas
30 Mexico. Consumer finance plus credit cards evolution(Billion euros at constant exchange rate)6.9December7.1March7.5June8.0September8.5December8.7March9.0June9.4September9.7December1098765432106,97,17,52010 20112012Residential mortgages increased by 3.0% to €8,911m. Over 28,300 new mortgages were grantedin 2012. This has maintained BBVA’s leadership in Mexico in the private sector, signing one out ofthree of new mortgages granted by banks and Sofoles.The wholesale portfolio, which includes loans to corporations, SMEs, financial institutions and thepublic sector, is up 7.4% year-on-year to €16,084m. There was a particularly good performance inlending to SMEs, which has grown year-on-year at double-digit rates throughout the last twelvemonths, closing December at 12.2%. Loans to the public sector amounted to €3,590m. In 2012,lending to corporates through CIB continued to increase. This has been reflected in the bank’sactive participation in corporate debt issues on capital markets, where BBVA has maintainedits lead in Mexico, with a market share of 25.1% as of the close of December 2012, according toDealogic.31 Mexico. Wholesale portfolio evolution(Billion euros at constant exchange rate)16.214.613.614.115.014.915.215.616.118161416,214,613,612108642DecemberMarchJuneSeptemberDecemberMarchJuneSeptemberDecember02010 20112012In customer funds, demand deposits increased by 6.9%, with a notable performance by customerfunds from the retail network, which increased by 7.3% compared with the close of 2011. BBVAcontinues to lead the demand deposit segment, with a third of the market, making it the favoritebank for savers in the country. Throughout the year, BBVA Group in Mexico has maintained itsstrategy of ensuring a profitable mix of liabilities, as reflected in the 7.9% year-on-year fall in timedeposits. This fall has been offset by the increase in the assets under management in mutual funds(up 6.7%) and other more sophisticated products such as repos and other fixed-income products.Mexico163
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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
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South AmericaBusiness activity(Year
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In short, abusinesstransformationre
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Group financialinformation65 Earnin
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EarningsIn 2012, BBVA Group reporte
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Consolidated income statement: quar
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• Resilience in Spain, in a conte
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allocations to the deposit guarante
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8 • Maintain its leadership p
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13 Provisions and othersCumulativ
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Lastly, earnings per share (EPS) fr
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In short, a year in which there has
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20 Lastly, non-performing loans ha
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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
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13LGD for Autos Finanzia, BBVA Spai
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The portfolio model and concentrati
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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
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
Page 163 and 164: MexicoIncome statement(Million euro
Page 165: area has been positive year-on-year
Page 169 and 170: The increase of operating expenses
Page 171 and 172: As a result of the above, the net a
Page 173 and 174: government employees and tax collec
Page 175 and 176: South AmericaIncome statement(Milli
Page 177 and 178: advancing together with economic ac
Page 179 and 180: 43 South America. Net attributable
Page 181 and 182: Grupo BBVA. Business share ranking
Page 183 and 184: Colombia Peru Venezuela2012 ∆%
Page 185 and 186: The macroeconomic and competitive e
Page 187 and 188: VenezuelaIn 2012, the growth of the
Page 189 and 190: By companies, Seguros Argentina, fo
Page 191 and 192: Significant ratios(Percentage)The U
Page 193 and 194: opportunities in key markets throug
Page 195 and 196: 51 The United States. NPA and cover
Page 197 and 198: The area was able to successfully m
Page 199 and 200: HighlightsThe most relevant awards
Page 201 and 202: Definition of the aggregateCorporat
Page 203 and 204: held by retail investors. The conve
Page 205 and 206: Additional information:Corporate &
Page 207 and 208: 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
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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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