BBVA in 2012

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of interest to users that integrates the brand in an effective and natural way; the creation ofexperiences such as “La Jornada de Tu Vida” (The Day of your Life); and links with soccer-relatedsocial projects.Several initiatives are worth mentioning in basketball, such as the “NBA blue experience”, whichrewards “blue customers” with trips to the United States to watch an official NBA game; BBVA’sinvolvement with the social program “NBA Cares”; and the naming of BBVA and its subsidiaryBBVA Compass as “NY Sports Marketer of the Year” for their commitment to the NBA andBBVA Compass Bowl. 2012 also saw the inauguration of the BBVA Compass soccer stadium inHouston. This event was mentioned more than 1,800 times in the media following its openingceremony, equivalent to nearly 29 million dollars of advertising value, and resulted in manysoccer fans opening credit card accounts. BBVA Compass also partners the home team, theHouston Dynamo, in the “Building a Better Community” project. This includes rebuilding homesand revitalizing the green areas around the stadium, as well as improving children’s education.In addition, BBVA has launched the “BBVA Ambassadors” project, which brings togetherfamous people from various walks of life through aspects that share fundamental BBVA values,such as the spirit of self-improvement, integrity, cooperation, humility and responsibility. Thecollaboration between BBVA and its brand ambassadors extends beyond the use of their imagein advertising campaigns. They also participate in activities related to corporate responsibility,particularly in the most disadvantaged parts of the world, and support initiatives with childrenand young people. BBVA began the “BBVA Ambassadors” program with Iker Casillas andAndrés Iniesta, two of the stars of Liga BBVA and champions of the world and of Europe withthe Spanish National Soccer Team. Carlos Soria is the latest addition to “BBVA Ambassadors”.At 74 years of age, this mountaineer has set himself the challenge of climbing the 14 highestmountains in the world. The program is also accompanying him on the “Momentum Himalaya”project, an initiative in the Nepali village of Sama (at 3,500 meters above sea level) that isdeveloping various methods of sustainable finance for a local school providing a home for 120children in the area.Andrés Iniesta (BBVA Ambassador) Iker Casillas (BBVA Ambassador) Carlos Soria (BBVA Ambassador)12 Executive summary
Brand management in 2012 was highly valued by experts for yet another year. In 2012, thesustainability analysis agency SAM (Sustainable Asset Management) improved its overall rankingof BBVA brand management, granting the Bank a top score, well above the average for thefinancial sector. This agency evaluates the companies listed on one of the most prestigioussustainability indices, DJSI (Dow Jones Sustainability Index).BBVA brandmanagement,once more, highlyvalued by experts4One of the aspects that continues to be most highly valued by experts is the system ofstandardized measurement tools to monitor how the brand is perceived in the main countriesin which the Group operates. Awareness of the BBVA brand and its reputation has stabilized orimproved in most countries in which the Bank operates.BBVA brand awareness(Scale 1 to 100)Spain Mexico Argentina Chile Peru Colombia Venezuela The United States2012 2011 2012 2011 2012 2011 2012 2011 2012 2011 2012 2011 2012 2011 2012 2011Awareness 68.4 64.6 88.7 88.8 77.3 78.9 19.0 19.8 74.0 77.0 20.9 28.2 67.8 62.8 14.2 15.9Awareness(rankingposition) 1 st 1 st 1 st 1 st 3 rd 3 rd 5 th 5 th 2 nd 2 nd 6 th 5 th 2 nd 2 nd 6 th 7 thReputationwithcustomers 73.8 74.5 68.9 70.7 78.5 75.7 64.9 71.0 77.0 73.8 65.5 69.1 80.5 71.9 74.0 71.5The data for awareness and reputation are for the whole year (January to December).A variation between two years is only statistically significant when it is greater than or equal to 2.1 for reputation and 4 for awareness.Awareness data source: Advance Tracking Programme, MillwardBrown.Reputation data source: RepTrak, Reputation Institute.Spain: Santander, La Caixa, Banesto, ING Direct, Bankia, Banco Popular, Bankinter and Banca Cívica.Mexico: Santander, Banamex, HSBC, Banorte, Scotiabank, Inbursa and Banco Azteca.The United States: Bank of America, Capital One, Chase, Regions, Wells Fargo, Citibank and Wachovia.Argentina: Santander Río, Banco Galicia, Banco Provincia, Standard Bank, Citi, Banco Nación, Banco Patagonia/Sudameris, HSBC, Banco Ciudad and Itaú/Buen Ayre.Chile: Banco de Chile, Santander, Scotiabank, Itaú, BCI, Falabella, Eduardsciti, Banco Estado, HSBC, Corpbanca and BICE.Colombia: Banco de Bogotá, Bancolombia, Citibank, Colmena BCSC, Davivienda, AV Villas, Banco de Occidente, Banco Caja Social, Colpatria, Grupo Aval, Éxito and Corpbanca.Peru: Banco de Crédito, Interbank, Banco de la Nación, HSBC, Scotiabank, Citibank, Banco Falabella, Banco Azteca, Crediscotia and Banbif.Venezuela: Banesco, Banco Mercantil, Banco de Venezuela and BOD.BBVA brand13
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 and 12: All this is the result of a strateg
Page 13 and 14: 1 As the main expression of t
Page 15: Our communication in 2012 has conti
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
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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
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Structural risksStructural interest
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Interest rate risk measurement is s
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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
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Operational riskOperational risk is
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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
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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
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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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