BBVA in 2012

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Project FinanceBBVA Project Finance in Europe continues to be the benchmark in renewable energy,environmental and infrastructure project finance. Nearly 20 deals have been closed in 2012 inSpain, France, Italy and the United Kingdom, including the one carried out with the Carringtoncombined-cycle power plant in the UK. In social infrastructures, BBVA provided structured financefor the Tribunal de Grande Instance de Paris and four hospitals in Tuscany.Main Project Finance transactions in 2012210 Business areas
In Latin America, the funding of Line 12 of the Mexico City subway is of note. In energy, itfinanced Cerro del guila, the second largest hydropower plant in Peru. A milestone in renewableenergy has been the issue of project bonds for Oaxaca II and IV, the first such issues for windpower projects in Latin America distributed outside the region, as well as the ION project,which will become the largest wind farm in Latin America. BBVA has continued to boost itsdiversification across different sectors, with the funding of the La Chira sewage treatment plantin Peru and the acquisition of Atento by Bain Capital. It also received one of the “Deals of theYear” awards from Euromoney for the Hospital Maipand La Florida deals in Chile and Refinera deCartagena in Colombia.In the United States, BBVA participated in the privatization of the Ohio State University Parkingas administrative agent and was named “Non-Traditional Financing of the Year 2012” by BondBuyer.Lastly, activity in the renewable energy sector has been boosted in the Asia-Pacific region. BBVAhas strengthened its financial advisory skills, basically for Asian companies, moving their businessto Europe and Latin America and focusing on project bonds.Structured Trade FinanceA total of 56 deals have been arranged in Structured Trade Finance in 2012, and unfundedoperations have increased significantly, both in finance and ECA-backed guarantees. BBVA receivedthe “Best Trade Finance Bank in Latin America 2012” award from Global Trade Review for the fourthyear in a row.Main Project Finance transactions in 2012Additional information: Corporate & Investment Banking211
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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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• The above, together with the hi
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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 175 and 176: South AmericaIncome statement(Milli
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 and 210: The trend in operating expenses sho
Page 211 and 212: Main Corporate Finance transactions
Page 213: Corporate LendingCorporate Lending
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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