- Page 2 and 3: BBVA Group Highlights
- Page 4 and 5: “ In 2012 the Group generateda ne
- Page 8 and 9: Letter from the Chairman“ BBVA’
- Page 10 and 11: “ Our principles, people and inno
- Page 12 and 13: BBVA values and principlesVision an
- Page 14 and 15: BBVA brandThe brand’svalue lies i
- Page 16 and 17: of interest to users that integrate
- Page 18 and 19: CorporateGovernance SystemBanco Bil
- Page 20 and 21: Corporate responsibilityCorporate r
- Page 22 and 23: The ResponsibleBusiness Plan2013-20
- Page 24 and 25: Share and shareholder structureStoc
- Page 26: The BBVA share and share performanc
- Page 29 and 30: The teamIt is people who make the r
- Page 31 and 32: It allows attention to be given to
- Page 33: The clientBBVA is constantly resear
- Page 36 and 37: BBVA commitmentBBVA employees are t
- Page 38 and 39: SocietyBBVA, a Groupconcerned withk
- Page 40 and 41: eliminate the risk of euro converti
- Page 42: 13Exchange ratesIn the currency mar
- Page 45 and 46: Regulatory environmentSince 2008 th
- Page 47 and 48: • Franchises with a sufficiently
- Page 49 and 50: In 2012, BBVA has implemented numer
- Page 51 and 52: 23 24In conclusion, this bank
- Page 53 and 54: Performance in 2012BBVA Group26BBVA
- Page 55 and 56: 31 5. …means toremain one ofthe
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Continuous improvement in funding s
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39 NPAs are in linewith expectatio
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MexicoBusiness activity(Year-on-yea
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The United StatesBBVA Compass busin
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Additional information: Corporate &
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Group financial informationBBVA has
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Consolidated income statement(Milli
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Consolidated income statements (% o
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4 Gross incomePositive performanc
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7 Breakdown of operating costs an
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• The number of branches also inc
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in Mexico, AFP Horizonte in Colombi
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Balance sheet and businessactivityA
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19 The trends in lending seen in
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21 The most relevant aspect is
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Available-for-sale financial assets
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24By the different components of th
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88
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Global Risk Management:BBVA Group
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Overall risk profileAttributable ec
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The level of sophistication of the
- Page 100 and 101:
The so-called bureau scoring models
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LGD estimates are carried out by se
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Every estimate of loss given defaul
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Maximun exposure to credit risk(Mil
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Exposure to the real-estate sector
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Risk statistics for the BBVA Group
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The following tables show the chang
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29 BBVA Group. Risk premiums by bus
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the risk management and control fun
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fiscal situation in the United Stat
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Risk in market unitsFor yet another
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BBVA Group. Market risk by risk fac
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The counterparty risk assumed in th
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40 Operational risk management fram
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Operational risk capitalThe methodo
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Risk management innon-banking activ
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Management of ESG risksBBVA integra
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130
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Business areasIn this section we di
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Mayor income statements items by bu
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Significant ratios(Percentage)Spain
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- An agreement has been reached wit
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6Spain. Time stock cost compared wi
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This has enabled BBVA to maintain i
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Within the Retail Network, at the e
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Hierro”. Lastly, BBVA has signed
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• As a result, the accumulated ne
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Significant ratios(Percentage)Euras
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15 Eurasia. Key activity data(Milli
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Europe has contributed 34.8% to the
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22 Garanti. Composition of liabilit
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company’s payment channels intern
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Mexico highlights in 2012Significan
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The retail portfolio, which include
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These figures mean that the mix of
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56437 Mexico. Operating income and
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With the aim of boosting banking se
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citizen”. Worth mentioning is the
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Significant ratios(Percentage)South
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18.6%. The biggest increases have b
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This performance of revenues and ex
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South America. Financial statements
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ArgentinaEconomic activity in Argen
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PeruThe Peruvian economy has also p
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BBVA has not been immune to the cou
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The United StatesIncome statement(M
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The main reason for better earnings
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ActivityActivity in the United Stat
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EarningsThe United States ended the
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Commercial BankingThis unit, which
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Corporate ActivitiesIncome statemen
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• Positive performance in the fir
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Holdings in Industrial and Financia
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CIB highlights in 2012• Lending a
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58CIB. Key activity data(Million eu
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63CIB. NPA and coverage ratios(Perc
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208 Business areasMain Equity Capit
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Project FinanceBBVA Project Finance
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Global Transactional BankingIn 2012
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214
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Consolidated time seriesIncome stat
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BBVA Group branch networkThe BBVA G