BBVA in 2012

The level of sophistication of the scoring model and its capacity to adapt to the economiccontext enables it to give more accurate customer profiles and improve the Bank’s capacityto identify different levels of creditworthiness within specific groups (young people,customers, etc.). The result is a significant improvement in the discrimination capacity of toolsin groups of particular interest to the business.The accompanying charts 5 and 6 show the default rates of some of the reactive scoring toolsused by the Group.5BBVA Spain consumer finance tool calibration(Default rates for the domestic customer segment, excluding young people and refinancing, based on scoring and irregular investment) (1)Without irregular investmentWith irregular investment4%40%35%3%30%Default rates2%Default rates25%20%15%1%10%5%0%1 2 3 4 5 6 7 8 9 10 110%1 2 3Score groupsScore groups(1) Irregular investment: those are not current of payment but less than 90 days to be considered in default.6Reactive scoring tool calibration for Autos Finanzia, BBVA Spain(Based on score and original term of the transaction)18%16%14%2 years