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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
- 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 67: Group financialinformation65 Earnin
- Page 71 and 72: Consolidated income statement: quar
- Page 73 and 74: • Resilience in Spain, in a conte
- Page 75 and 76: allocations to the deposit guarante
- Page 77 and 78: 8 • Maintain its leadership p
- Page 79 and 80: 13 Provisions and othersCumulativ
- Page 81 and 82: Lastly, earnings per share (EPS) fr
- Page 83 and 84: In short, a year in which there has
- Page 85 and 86: 20 Lastly, non-performing loans ha
- Page 87 and 88: Off-balance-sheet customer funds st
- Page 89 and 90: Capital baseThe main highlight in 2
- Page 91 and 92: 26 RatingsIn 2012, BBVA’s ratin
- Page 93 and 94: Risk management90 Global Risk Manag
- Page 95 and 96: Integration of risks andoverall ris
- Page 97 and 98: Credit riskCredit risk quantificati
- Page 99 and 100: Behavioral scoring is used to revie
- Page 101 and 102: The economic cycle in PDThe current
- Page 103 and 104: 13LGD for Autos Finanzia, BBVA Spai
- Page 105 and 106: The portfolio model and concentrati
- Page 107 and 108: The exposure breakdown by rating of
- Page 109 and 110: 22 Real-estate exposure and coverag
- Page 111 and 112: ConcentrationExcluding sovereign ri
- Page 113 and 114: 27 BBVA Group. Net NPA entries(Mill
- Page 115 and 116: Structural risksStructural interest
- Page 117 and 118: 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
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MexicoIncome statement(Million euro
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area has been positive year-on-year
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30 Mexico. Consumer finance plus cr
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The increase of operating expenses
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As a result of the above, the net a
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government employees and tax collec
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South AmericaIncome statement(Milli
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advancing together with economic ac
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43 South America. Net attributable
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Grupo BBVA. Business share ranking
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Colombia Peru Venezuela2012 ∆%
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The macroeconomic and competitive e
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VenezuelaIn 2012, the growth of the
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By companies, Seguros Argentina, fo
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Significant ratios(Percentage)The U
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opportunities in key markets throug
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51 The United States. NPA and cover
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The area was able to successfully m
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HighlightsThe most relevant awards
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Definition of the aggregateCorporat
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held by retail investors. The conve
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Additional information:Corporate &
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greater efficiency, cost control an
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The trend in operating expenses sho
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Main Corporate Finance transactions
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Corporate LendingCorporate Lending
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In Latin America, the funding of Li
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In Mexico, Global Markets maintains
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Supplementaryinformation216 Consoli
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IFRS (Bank of Spain’s Circular 4/
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JapanTokyoFukoku Seimei Bldg. 12 th