BBVA Group First Quarter 2017 2 Disclaimer This document is only - PowerPoint PPT Presentation

BBVA Group First Quarter 2017

2 Disclaimer This document is only provided for information purposes and does not constitute, nor should it be interpreted as, an offer to sell or exchange or acquire, or an invitation for offers to buy securities issued by any of the aforementioned companies. Any decision to buy or invest in securities in relation to a specific issue must be made solely and exclusively on the basis of the information set out in the pertinent prospectus filed by the company in relation to such specific issue. No one who becomes aware of the information contained in this report should regard it as definitive, because it is subject to changes and modifications. This document contains or may contain forward looking statements (in the usual meaning and within the meaning of the US Private Securities Litigation Reform Act of 1995) regarding intentions, expectations or projections of BBVA or of its management on the date thereof, that refer to or incorporate various assumptions and projections, including projections about the future earnings of the business. The statements contained herein are based on our current projections, but the actual results may be substantially modified in the future by various risks and other factors that may cause the results or final decisions to differ from such intentions, projections or estimates. These factors include, without limitation, (1) the market situation, macroeconomic factors, regulatory, political or government guidelines, (2) domestic and international stock market movements, exchange rates and interest rates, (3) competitive pressures, (4) technological changes, (5) alterations in the financial situation, creditworthiness or solvency of our customers, debtors or counterparts. These factors could cause or result in actual events differing from the information and intentions stated, projected or forecast in this document or in other past or future documents. BBVA does not undertake to publicly revise the contents of this or any other document, either if the events are not as described herein, or if such events lead to changes in the information contained in this document. This document may contain summarized information or information that has not been audited, and its recipients are invited to consult the documentation and public information filed by BBVA with stock market supervisory bodies, in particular, the prospectuses and periodical information filed with the Spanish Securities Exchange Commission (CNMV) and the Annual Report on Form 20-F and information on Form 6-K that are filed with the US Securities and Exchange Commission. Distribution of this document in other jurisdictions may be prohibited, and recipients into whose possession this document comes shall be solely responsible for informing themselves about, and observing any such restrictions. By accepting this document you agree to be bound by the foregoing restrictions.

3 Index 01 About BBVA 02 Vision and aspiration 03 BBVA transformation journey 04 Results’ highlights

01 About BBVA 02 Vision and aspiration 03 BBVA transformation journey 04 Results’ highlights 01. About BBVA BBVA’s global presence History of BBVA Main figures BBVA share Organizational chart Our team Presence in social media Social commitment Awards and recognitions

5 BBVA’s global presence 01 About BBVA 02 Vision and aspiration 03 BBVA North America USA transformation Mexico journey 04 Results’ highlights Europe Germany Belgium South America Spain Asia - Pacific Argentina France China Bolivia Holland UAE Brazil Italy Hong Kong Chile Luxembourg India Colombia Malta Indonesia Paraguay Portugal Japan Peru U.K. BBVA’s global presence South Korea Uruguay Romania Singapore Venezuela Russia History of BBVA Taiwan Switzerland Main figures Turkey BBVA share € 719 70 35 8.499 31.185 133.007 Organizational chart Our team billion in total million customers countries branches ATMs employees Presence in social media assets Social commitment Awards and recognitions Note: As of March 2017.

6 More than 150 years of history 01 About BBVA BBVA is the result of the merger of two major Spanish banking institutions 02 Vision and aspiration 1988 1998 1999 03 BBVA transformation journey 04 Results’ highlights Banco Bilbao Corporación Banco de BBVA’s global presence Bancaria de España Vizcaya Bilbao History of BBVA Caja Postal Main figures Banco de Argentaria BBVA share Vizcaya Bco. Exterior Organizational chart Our team Bco. Hipotecario Presence in social media Social commitment Awards and recognitions

7 More than 150 years of history 01 About BBVA BBVA had significant growth since 1995 02 Vision and aspiration 1995 2005 2013 Banco Continental (Peru) Granahorrar (Colombia) Sale of Panama Probursa (México) Hipotecaria Nacional (Mexico) Sale of pension business in Latam 03 BBVA Sale of CNCB’s 5.1% (China) transformation 1996 2006 Banco Ganadero (Colombia) Texas Regional Bancshares (USA) journey 2014 Bancos Cremi and Oriente Forum Servicios Financieros (Chile) Simple (USA) (Mexico) State National Bancshares (USA) Banco Francés (Argentina) 2015 Sale of CIFH’s stake to CNCB (China) 04 Results’ highlights CITIC (China) Sale of CNCB’s 4.9% (China) 1997 Banco Provincial (Venezuela) 2007 Catalunya Banc (Spain) Compass (USA) B.C. Argentino (Argentina) Acquisition of an additional stake in Turkiye Garanti Bankasi (Turkey) 2008 Extended CITIC agreement 1998 Poncebank (Puerto Rico) Acquisition of a 29.5% stake in Atom (UK) Banco Excel (Brazil) 2009 Guaranty Bank (USA) Banco BHIF (Chile) 2016 Holvi (Finland) BBVA’s global presence 2010 New extension CITIC agreement Sale of CNCB´s 0.75% (China) History of BBVA 1999 Provida (Chile) Turkiye Garanti Bankasi (Turkey) Sale of GarantiBank Moscow AO Main figures Consolidar (Argentina) (Moscow) 2011 Extension of Forum SF agreement BBVA share (Chile) OpenPay (Mexico) 2000 Bancomer (Mexico) Organizational chart Credit Uruguay (Uruguay) 2017 Our team Sale of CNCB´s 1.8% (China) 2004 Valley Bank (USA) 2012 Presence in social media Sale of Puerto Rico Acquisition of an additional stake in Laredo (USA) Turkiye Garanti Bankasi of 9.95% Unnim Banc (Spain) Social commitment (Turkey) OPA sobre Bancomer Awards and recognitions

8 Main figures 1Q17 01 About BBVA Earnings (€m) 02 Vision and aspiration 6,383 3,246 1,199 03 BBVA transformation Gross income Operating income Net attributable profit journey Balance sheet (€m) 04 Results’ highlights 719,193 54,918 431,899 398,499 Total assets Total equity Loans and advances Deposits to customers - gross from customers Efficiency/ Profitability Risk management Solvency – CET1 Ratio BBVA’s global presence History of BBVA Main figures 9.1 % 0.84 % 49.1 % 4.8 % 71 % 11.64 % 11.01 % BBVA share Organizational chart ROE ROA Efficiency ratio NPL ratio NPL coverage ratio Phased-in Fully-loaded Our team Presence in social media Social commitment For more information click here Awards and recognitions

9 BBVA share 01 About BBVA Listed on the main international BBVA’s capital ownership is stock markets well diversified 02 Vision and aspiration Shareholder breakdown Banks 1.6% Non-resident 03 BBVA Institutions 54.7% 6.8% transformation LONDON journey Employees NEW MADRID 2.7% YORK MEXICO 04 Results’ highlights CITY Resident 45.3% LIMA Individuals 34.1% BBVA’s global presence Weighting (31-03-2017) Figures as of 31 th March 2017 History of BBVA Number of shares issued 6,567 m Main figures 8.8% IBEX 35 #shareholders 919,274 BBVA share Book value per share 7.32 € 2.0% Euro Stoxx 50 Organizational chart Closing price 7.27 € Euro Stoxx Banks 9.2% Our team Market capitalization 47,739 €m Stoxx Europe 600 Banks 4.6% Presence in social media Social commitment For more information click here Awards and recognitions

10 Organizational chart GROUP EXECUTIVE CHAIRMAN 01 About BBVA Francisco González CEO 02 Vision and Carlos Torres Vila aspiration 03 BBVA EXECUTION & PERFORMANCE NEW CORE COMPETENCIES RISK & FINANCE STRATEGY & CONTROL transformation Global Economics Regulation Finance journey Corporate & Investment Banking Customer Solutions 2 & Public Affairs Jaime Sáenz de Tejada Juan Asúa Derek White José Manuel González-Páramo 04 Results’ highlights Legal & Compliance Global Risk Country Monitoring 1 Talent & Culture Eduardo Arbizu Management Jorge Sáenz-Azcúnaga Ricardo Forcano Rafael Salinas Strategy & M&A Spain Javier Rodríguez Soler Engineering Cristina de Parias Ricardo Moreno Accounting & Supervisors Mexico Data Ricardo Gómez Barredo Eduardo Osuna David Puente BBVA’s global presence Communications USA History of BBVA Paul G. Tobin Onur Genç Main figures General Secretary BBVA share Turkey Domingo Armengol Fuat Erbil Organizational chart Our team Internal Audit José Luis de los Santos Presence in social media (1) Reporting channel to CEO for Argentina, Colombia, Chile, Peru, Venezuela, Uruguay and Paraguay, as well as monitoring of all Social commitment countries, including Spain, Mexico, Turkey and USA. (2) Integrates Global Products & Digital Sales; Design & Marketing; Data & Open Innovation; Business Development in Spain, Mexico, Awards and recognitions Turkey, USA and South America; Distribution model; Asset Management & Global Wealth and New Digital Businesses.