BBVA Group Fourth Quarter 2016 2 Disclaimer This document is only - PowerPoint PPT Presentation

BBVA Group Fourth Quarter 2016

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 4

5 BBVA’s global presence 01 About BBVA 02 Vision and aspiration 03 BBVA Transformation North America USA Journey Mexico 04 Results’ highlights Europe Germany Belgium Spain South America France Asia - Pacific Argentina Holland Australia Bolivia Italy China Brasil Luxembourg UAE Chile Malta Hong Kong Colombia Portugal India Paraguay U.K. Indonesia Peru Romania BBVA’s global presence Japan Uruguay Russia South Korea Venezuela History of BBVA Switzerland Singapore Turkey Taiwan Main figures BBVA share € 732 70 35 8,660 31,120 134,792 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 December 2016.

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

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

8 12M16 main figures 01 About BBVA Earnings (€m) 02 Vision and aspiration 24,653 11,862 3,475 03 BBVA Transformation Journey Gross income Operating income Net attributable profit 04 Results’ highlights Balance sheet (€m) 731,856 52,821 430,474 401,465 Total assets Total equity Loans and advances to Deposits customers - gross from customers Efficiency / Profitability Risk management Solvency – CET1 ratio BBVA’s global presence History of BBVA Main figures 6.7 % 0.64 % 51.9 % 4.9 % NPL coverage ratio 12.2 % 70 % 10.9 % BBVA share Organizational chart ROE ROA Efficiency ratio NPL 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 well diversified stock markets Shareholder breakdown 02 Vision and aspiration Banks 1.4% Non-resident 03 BBVA Transformation 54.6% Institutions Journey LONDON 6.3% Employees NEW MADRID 2.6% YORK 04 Results’ highlights Mexico Resident Peru 45.4% Individuals 35.0% BBVA’s global presence Weighting (12-31-2016) Figures as of 31 th December 2016 History of BBVA Number of shares issued 6,567 m Main figures 8.7% IBEX 35 #shareholders 935,284 Book value per share 7.22 € BBVA share 1.9% Euro Stoxx 50 Closing price 6.41 € Organizational chart Euro Stoxx Banks 9.3% Our team Market capitalization 42,118 €m Stoxx Europe 600 Banks 4.4% 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 Transformation EXECUTION & PERFORMANCE NEW CORE COMPETENCIES RISK & FINANCE STRATEGY & CONTROL Journey Global Economics Regulation Finance Corporate & Investment Banking Customer Solutions 2 & Public Affairs Jaime Sáenz de Tejada Juan Asúa Derek White José Manuel González-Páramo 04 Results’ highlights Global Risk Country Monitoring 1 Talent & Culture Legal & Compliance Management Jorge Sáenz-Azcúnaga Ricardo Forcano Eduardo Arbizu Rafael Salinas Spain Strategy & M&A Engineering Cristina de Parias Javier Rodríguez Soler Ricardo Moreno Accounting & Supervisors Mexico Ricardo Gómez Barredo Eduardo Osuna 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 countries, Social commitment including Spain, Mexico, Turkey and USA. (2) Integrates Global Marketing & Digital Sales; Business Development in Spain, Mexico, Turkey, USA and South America; Distribution model; Awards and recognitions Insurance and Prevision; Asset Management & Global Wealth; Consumer Finance and New Digital Businesses.