BBVA en 2012
BBVA en 2012
BBVA en 2012
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Índice<br />
2 Resum<strong>en</strong> ejecutivo<br />
Carta del Presid<strong>en</strong>te ...................................................................................................................................................................................................................................................................................................................................... 4<br />
Valores y principios <strong>en</strong> <strong>BBVA</strong> ................................................................................................................................................................................................................................................................................................... 8<br />
La marca <strong>BBVA</strong> ......................................................................................................................................................................................................................................................................................................................................................... 10<br />
Sistema de Gobierno Corporativo ............................................................................................................................................................................................................................................................................... 14<br />
La responsabilidad corporativa .......................................................................................................................................................................................................................................................................................... 16<br />
Principales grupos de interés .................................................................................................................................................................................................................................................................................................. 19<br />
La acción <strong>BBVA</strong> y estructura de capital ......................................................................................................................................................................................................................................... 20<br />
El equipo ................................................................................................................................................................................................................................................................................................................................................................. 25<br />
El cli<strong>en</strong>te .................................................................................................................................................................................................................................................................................................................................................................. 29<br />
La sociedad ..................................................................................................................................................................................................................................................................................................................................................... 34<br />
Entorno y posicionami<strong>en</strong>to de <strong>BBVA</strong> ................................................................................................................................................................................................................................................................... 35<br />
Desempeño <strong>en</strong> <strong>2012</strong> .................................................................................................................................................................................................................................................................................................................................... 49<br />
62 Información financiera del Grupo<br />
Resultados ........................................................................................................................................................................................................................................................................................................................................................................... 65<br />
Balance y actividad ......................................................................................................................................................................................................................................................................................................................................... 78<br />
Base de capital ........................................................................................................................................................................................................................................................................................................................................................... 85<br />
88 Gestión del riesgo<br />
Global Risk Managem<strong>en</strong>t: la función de riesgos <strong>en</strong> el Grupo <strong>BBVA</strong> ............................................................................................................................................. 90<br />
Integración y perfil global de riesgos .................................................................................................................................................................................................................................................................... 91<br />
Riesgo de crédito ................................................................................................................................................................................................................................................................................................................................................. 93<br />
Riesgos estructurales ................................................................................................................................................................................................................................................................................................................................. 111<br />
Riesgos <strong>en</strong> unidades de mercados ........................................................................................................................................................................................................................................................................... 116<br />
Riesgo operacional .......................................................................................................................................................................................................................................................................................................................................... 121<br />
Gestión del riesgo <strong>en</strong> actividades no bancarias ......................................................................................................................................................................................................................... 126<br />
Gestión de riesgos “ESG” .................................................................................................................................................................................................................................................................................................................... 128<br />
130 Áreas de negocio<br />
España .......................................................................................................................................................................................................................................................................................................................................................................................... 135<br />
Eurasia ........................................................................................................................................................................................................................................................................................................................................................................................... 149<br />
México ........................................................................................................................................................................................................................................................................................................................................................................................... 159<br />
América del Sur ....................................................................................................................................................................................................................................................................................................................................................... 171<br />
Estados Unidos ........................................................................................................................................................................................................................................................................................................................................................ 186<br />
Actividades Corporativas .................................................................................................................................................................................................................................................................................................................. 196<br />
Información adicional: Corporate & Investm<strong>en</strong>t Banking (CIB) ............................................................................................................................................................... 201<br />
214 Información complem<strong>en</strong>taria
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