BBVA in 2012

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ActivityActivity in the United States is carried out mainly by BBVA Compass, which accounts for 95% ofthe business volume and 81% of earnings in the area. Due to the relative contribution of BBVACompass, most comments in this section refer to this business unit.At the close of December 2012, gross customer lending in BBVA Compass was up 4.1%to €33,753m. The bank continues to focus its commercial effort on its targeted portfolios.Construction real estate fell year-on-year by 48.2%. In contrast, commercial loans increased by24.5% year-on-year and residential mortgages by 19.0% over the same period.49BBVA Compass. Loan mix(Percentage)December 2011 December 2012Commercial34.8Construction real estate8.1Commercial39.4Construction real estate3.8Commercialreal estate18.2Commercialreal estate17.4Consumer 13.0Residentialreal estate24.4Consumer 14.5Residentialreal estate26.450 Developer loans over total BBVA Compass loan portfolio(Percentage)12.61412108.1863.842December2010December2011December20120Asset quality in the area improved considerably during the year. Total non-performing loansdecreased by 39.5% compared with the figure for 2011 (at current exchange rates). Thus the NPAratio improved 114 basis points, closing the year at 2.4%. The coverage ratio reached 90% and theaccumulated risk premium at year end, 0.23% (0.89% at the close of 2011).190 Business areas
51 The United States. NPA and coverage ratios(Percentage)7375829490100CoverageratioNPAratio3.53.22.82.42.450December March June September December20112012054Customer deposits in BBVA Compass also grew by 11.7% over the last 12 months. As of 31-Dec-2012they stood at €37,097m. Of this total, 29.1% are non-interest bearing deposits, which performedbetter over the year, with a growth of 12.3%.32152 BBVA Compass. Key activity data(Million euros at constant exchange rate)031,654Customer lending (gross)32,42633,753+4.1% (1)Deposits from customers33,292 33,20837,097+11.7% (2)400003500030000337533242631654332923320837097250002000015000100005000December2010December2011(1) At current exchange rate: +2.1%.(2) At current exchange rate: +9.6%.December2012December2010December2011December2012053BBVA Compass. Deposit mix(Percentage)December 2011 December 2012Time deposits21.5Non interest bearing accounts29.0Time deposits21.3Non interest bearing accounts29.1Average costof deposits0.46Average costof deposits0.37Interest bearing accounts49.5Interest bearing accounts49.6The United States191
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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
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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
Page 143 and 144: 3 Spain. Efficiency ratio versus pe
Page 145 and 146: These lines axes of action will con
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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 and 166: area has been positive year-on-year
Page 167 and 168: 30 Mexico. Consumer finance plus cr
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: opportunities in key markets throug
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
Page 217 and 218: In Mexico, Global Markets maintains
Page 219 and 220: Supplementaryinformation216 Consoli
Page 221 and 222: IFRS (Bank of Spain’s Circular 4/
Page 223: JapanTokyoFukoku Seimei Bldg. 12 th
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BBVA in 2012

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