Banco Bilbao Vizcaya Argentaria, S.a. · BME:BBVA
Banco Bilbao Vizcaya Argentaria — Q2 2019 Earnings Presentation
25 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, Aug 4, 2019
Slide 1: Creating Opportunities - Group BBVA 2Q19
vy Creating Opportunities 4 Group BBV 2Q19
Slide 2: Disclaimer
BBVA Corporate Presentation AI 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 decisi
Slide 3: To bring the age of opportunity to everyone
To bring the age of opportunity to everyone
Slide 4: Purpose
BBVA Purpose Creating Opportunities
Slide 5: To bring the age of opportunity to everyone
To bring the age of opportunity to everyone
Slide 6: New value proposition
BBVA Corporate Presentation AIG BBVA PURPOSE New value proposition Based on our customers’ real needs n> Sg : Helping our customers Providing the best Through an easy and to make the best financial solutions convenient experience decisions offering relevant that generate trust for our DIY through di
Slide 7: Our Values
BBVA PURPOSE Our Values Customer comes first GP We are empathetic Q We have integrity @ We meet their needs We think big Weare ambitious © We break the mold (—) We amaze our customers BBVA Corporate Presentation Ail We are one team @ |amcommitted 49) | trust others [EN | am BBVA
Slide 8: 2019 Results
2019 Results Creating Opportunities
Slide 9: Strong results in a challenging environment
BBVA Corporate Presentation AE 2Q19 RESULTS Strong results in a challenging environment NET ATTRIBUTABLE PROFIT (<m) 1,787 a Robust core revenue growth 633 a Further improvement in best-in- BBVA 1,278 ici 1,245 Che sale 1164 class efficiency 1,001 a Sound risk indicators a Strong capital position a
Slide 10: 1H19 Profit & Loss
BBVA Corporate Presentation AI 2Q19 RESULTS 1H19 Profit & Loss Change 1H19/1H18 BBVA Group Net Interest Income 8,987 74 9.9 Net Fees and Commissions 2,470 1.0 28 Net Trading Income 542 “17.7 -16.6 Other Income & Expenses -10 ns. ns. Gross Income 11,989 3.7 6.0 Operating Expenses -5,874 2.3 3.9 Opera
Slide 11: Further improvement in best-in-class efficiency
2Q19 RESULTS BBVA Corporate Presentation AIIM Further improvement in best-in-class efficiency GROUP OPERATING JAWS (IHYoY (%); (constant €)) INFLATION 6.3% 8.3% Average 12m 3.9% Core Operating Revenues expenses EFFICIENCY RATIO (%; constant €) 4 7% jp sal 50.2% 494% | 49.0% 12M17 12M18 6M19 European
Slide 12: Growing in digital and mobile customers, outstanding digital sales trend
BBVA Corporate Presentation AAP 2Q19 RESULTS Growing in digital and mobile customers, leading to an outstanding trend in digital sales DIGITAL CUSTOMERS MOBILE CUSTOMERS DIGITAL SALES 9 MILLION, % YoY GROWTH MILLION, % YoY GROWTH OF TRANSACTIONS: AND PRV!) +28% 7 [ +17% me +45% | or 498 58.1 Uds. 25
Slide 13: Digital sales: outstanding trend across the board
BBVA Corporate Presentation AKI 2Q19 RESULTS Digital sales: outstanding trend across the board (% of total sales YtD, # of transactions and PRV') @ uns © perv GROUP == SPAIN @ USA2 280 49.8 Dail 426 ae WE 22.9 30.5 24.9 : unre De 2, 43.8 21.3 ~° PRV in 33.0 182 13.6 Jun-17 Jun-18 — Jun-19 Jun-17 Jun
Slide 14: Digital transformation: a competitive advantage for BBVA
BBVA Corporate Presentation AAG 2Q19 RESULTS Digital transformation: a competitive advantage for BBVA CUSTOMER GROWTH Bel CUSTOMER ENGAGEMENT AND ADVICE | | OPEN BANKING: PARTNERSHIP WITH UBER SELF-DRIVEN ACCOUNT BBVA Self-configuration of rules help clients iets manage their re ea finances * Payche
Slide 15: The impact of transformation: Spain
2Q19 RESULTS The impact of transformation: Spain Two years change (Jun'17 vs Jun'19) BBVA Corporate Presentation AAEM BBVA Spain has grown its customer base. It has also increased client satisfaction and retention by using a more efficient relationship model, which has lowered operating expenses uh
Slide 16: New business models
BBVA Corporate Presentation ATi 2Q19 RESULTS New business models Leveraging the FinTech ecosystem to develop our value proposition ACQUISITIONS/ VENTURE INVESTMENTS. CREATION Ours Oo Hazlo a HOLVI COVAULT isan BBVA CES A r0m Sreeestim Ul) Upturn Minority stake 39% stake Qpenpay © BBVA « anthemis MAD
Slide 17: Business Areas
2Q19 Results Business Areas
Slide 18: Unique footprint with high growth prospects
BBVA Corporate Presentation AAEM 2Q19 RESULTS - BUSINESS AREAS Unique footprint with high growth prospects BREAKDOWN BY BUSINESS AREA HIGHER GROWTH PROSPECTS TOTAL ASSETS! GDP growth (YoY, %) Jun.19 South Rest of Eurasia America 3% 8% a" Turkey 9% VA €698 bn Spain @ BBVA Footprint mec 53% = Eurozona
Slide 19: Business Areas: Spain, USA, Mexico
2Q19 RESULTS - BUSINESS AREAS Business Areas & Spain NET ATTRIBUTABLE PROFIT (1H19) 734 €m NPLRATIO. 46% vs. 6.3% 2Q18 -1.7% vs. 1HI8 COVERAGE RATIO 58% vs. 58% 2Q18 a Loans: continued growth in most profitable segments a Improvement on customer spread a Nil: significant recovery QoQ thanks to good
Slide 20: Business Areas: Turkey, South America
2Q19 RESULTS - BUSINESS AREAS Business Areas itu rkey constant€ NET ATTRIBUTABLE PROFIT (1H19) 282 €m -2.8% vs. 1HI8 NPLRATIO. COVERAGE RATIO 6.3% 76% vs. 4.5% 2Q18 vs. 76% 2Q18 a Resilience in a more challenging environment vs. 1H18 a Customer spread: Continued recovery on TL and FC spreads QoQ tha
Slide 21: CIB - 1H19 Results
BBVA Corporate Presentation IAI 2Q19 RESULTS - BUSINESS AREAS CIB — 1H19 Results BUSINESS ACTIVITY CLIENT'S REVENUE RESULTS (constant €, % YtD) (constant €, % YoY) (constant €, % YoY) ay 1,365€m — +4% 1 A5) em 58 €bn 14% -1,8% OPERATING INCOME Wholesale banking GUS EMER RUNDS OA recurrent business!
Slide 22: Annex
Annex
Slide 23: BBVA had significant growth since 1995
ANNEX BBVA had significant growth since 1995 More than 160 years of history e 1995 e 1996 e 1997 e 1998 Banco Continental (Peru) Probursa (México) Banco Ganadero (Colombia) Bancos Cremi and Oriente (Mexico) Banco Francés (Argentina) Banco Provincial (Venezuela) B.C. Argentino (Argentina) Poncebank (
Slide 24: Organizational chart
BBVA Corporate Presentation #2 ANNEX Organizational chart Chief Executive Officer GROUP EXECUTIVE CHAIRMAN Onur Geng Carlos Torres Vila BUSINESS UNITS GLOBAL FUNCTIONS TRANSFORMATION STRATEGY LEGAL AND CONTROL Corporate & Investment Banking cf Client Solutions Luisa Gémez Bravo David Puente A Countr
Slide 25: Slide 25
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