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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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17 Eurasia. Efficiency(Million euro
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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
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- Page 177 and 178: advancing together with economic ac
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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 and 208: greater efficiency, cost control an
- Page 209: The trend in operating expenses sho
- 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