BBVA in 2012

citizen”. Worth mentioning is the implementation of a number of banking penetration actionswhich have generated a range of low-cost services within a framework of ongoing innovation,using high-technology channels, and the progress made by the financial literacy program“Adelante con tu Futuro” (Forward with your Future).• The Mexican Center for Philanthropy (Cemefi), Alliance for Social Responsibility in Mexico(AliaRSE) and Forum Empresa granted BBVA Bancomer the “Best Corporate SocialResponsibility Practice” award in the “Community engagement” category for the mutual fundB+Educa, the first of its kind created by Mexico to support the “Por los que se quedan” (Forthose left behind) social integration scholarship program.• The financial magazine World Finance has recognized BBVA Bancomer’s Asset Managementunit as the Best Asset Management Institution in Mexico due to its positive earnings figures andeffective management of mutual funds.Some innovative campaigns and products worth mentioning are:• The development of the “Dinero móvil” product, which allows customers to withdraw moneyfrom ATMs and make payments without having to use a card. Cell phones are therefore themain channel for operating with this product, which works with any operator.• The successful launch of the “Sí, acepto” (Yes, I accept) campaign that aims to supportcustomers by granting instant loans that are individually tailored to each of them, simply forhaving their salaries paid directly into their accounts. It is a quick, customer-friendly product withadded advantages.Finally, BBVA Bancomer successfully issued two 10-year additional capital notes for USD 1,500mon the international markets. The issue was 3 times oversubscribed, once more confirming theconfidence of investors in both the growth prospects and positive performance of BBVA’s franchisein Mexico and the country overall.170 Business areas