BBVA in 2012

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Group financialinformation65 Earnings78 Balance sheet and business activity85 Capital base63
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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
Page 15 and 16: Our communication in 2012 has conti
Page 17 and 18: Brand management in 2012 was highly
Page 19 and 20: BBVA Board CommitteesIn order to be
Page 21 and 22: • Across-the-board operational co
Page 23 and 24: Primary stakeholdersIntroduction: t
Page 25 and 26: BBVA earnings figures presented in
Page 28 and 29: High liquidity ofBBVA shareBBVA is
Page 30 and 31: Management modelA model of peoplema
Page 32 and 33: To sum up, the combination of the a
Page 35 and 36: South AmericaIn 2012, a common syst
Page 37 and 38: Number of claims filed at the Banki
Page 39 and 40: Environmentand BBVA positioningThe
Page 41 and 42: the measures taken to correct imbal
Page 44 and 45: The easing of financial tensions in
Page 46 and 47: Positioning of BBVA GroupBBVA conti
Page 48 and 49: 20 2. A business model based on th
Page 50 and 51: - Innovate with teams dedicated exc
Page 52 and 53: 25 In short, this banking model
Page 54 and 55: 2. …reflected ingross income…28
Page 56 and 57: Risk under controlBBVA NPAs versusp
Page 58 and 59: Business areasSpainStrong franchise
Page 60 and 61: EurasiaAn area ofgrowth andpositive
Page 62 and 63: South AmericaBusiness activity(Year
Page 64 and 65: In short, abusinesstransformationre
Page 68 and 69: Group financial informationBBVA has
Page 70 and 71: Consolidated income statement(Milli
Page 72 and 73: Consolidated income statements (% o
Page 74 and 75: 4 Gross incomePositive performanc
Page 76 and 77: 7 Breakdown of operating costs an
Page 78 and 79: • The number of branches also inc
Page 80 and 81: in Mexico, AFP Horizonte in Colombi
Page 82 and 83: Balance sheet and businessactivityA
Page 84 and 85: 19 The trends in lending seen in
Page 86 and 87: 21 The most relevant aspect is
Page 88 and 89: Available-for-sale financial assets
Page 90 and 91: 24By the different components of th
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Page 94 and 95: Global Risk Management:BBVA Group
Page 96 and 97: Overall risk profileAttributable ec
Page 98 and 99: The level of sophistication of the
Page 100 and 101: The so-called bureau scoring models
Page 102 and 103: LGD estimates are carried out by se
Page 104 and 105: Every estimate of loss given defaul
Page 106 and 107: Maximun exposure to credit risk(Mil
Page 108 and 109: Exposure to the real-estate sector
Page 110 and 111: Risk statistics for the BBVA Group
Page 112 and 113: The following tables show the chang
Page 114 and 115: 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
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BBVA in 2012

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