BBVA in 2012

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58CIB. Key activity data(Million euros at constant exchage rates)Customer lending (gross)Customer funds (2)56,51458,94449,374–16.2% (1)600005000042,9214000031,32830,37630000–3.0% (3)200001000020102011 2012(1) At current exchange rates: –15.8%.(2) Excluding assets sold under repurchase agreements.(3) At current exchange rates: –2.2%.2010 2011 20120EarningsCIB continues to show highly recurrent and resilient earnings. In 2012 it generated gross income of2,767m, 9.2% up on the figure for the previous year. By geographical areas, revenue grew in SouthAmerica, Mexico and Spain (up 32.6%, 27.1% and 16.7%, respectively) and fell in Eurasia and theUnited States (down 27.3% and 9.9%, respectively).59 CIB. Gross income by geographic area(Percentage)South America25Spain33The United States11Mexico18Eurasia14Balanced diversification60 CIB. Gross income breakdown by trading and customer franchise(Percentage)Trading14Customer franchise86Solid customer franchise204 Business areas
The trend in operating expenses shows the effort made by CIB to contain and control costs. Thisheading grew by only 3.5% over the previous year, despite the substantial investments made insystems and growth plans in emerging economies. As a result, operating income increased by12.1% year-on-year to €1,878m.61CIB. Efficiency(Million euros at constant exchange rates)Efficiency ratio(Percentage)67GrossincomeOperatingcosts2,6302,5342,76728.334.132.170605040302028,334,132,1745 859 88910-88920102011 20122010 2011 2012062 CIB. Operating income(Million euros at constant exchage rates)1,8851,6751,8782000188518001675+12.1% (1) 16001400120010008006004002002010201120120(1) At current exchange rates: +14.9%.Impairment losses on financial assets amounted to €191m and show the deterioration in the assetquality of certain counterparties due to the current economic downturn. However, the NPA ratioremains low, at 1.5% at the end of 2012.Additional information: Corporate & Investment Banking205
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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
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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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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
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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: greater efficiency, cost control an
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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