Banco Bilbao Vizcaya Argentaria, S.a. · BME:BBVA
Banco Bilbao Vizcaya Argentaria — Q4 2019 Earnings Presentation
24 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, Jan 31, 2020
Slide 1: BBVA Group 2019 Results
vy Creating Opportunities BBVA Group 2019 Results
Slide 2: Disclaimer
BBVA Corporate Presentation y 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 decis
Slide 3: Our Purpose, Global Presence and Financial Highlights
OUR PURPOSE BBVA Corporate Presentation ys) To bring the age of opportunity to everyone BBVA'S GLOBAL PRESENCE DECEMBER 2019 Countries + Branches ~ Employees i # 30 7744 126,973 46% 54% CUSTOMERS & DIGITAL SALES DECEMBER 2019 & CUSTOMERS =% DIGITAL SALES ATP PRV" 78.0 million 45.0% © Digital @ Mobil
Slide 4: Purpose
BVA Purpose Creating Opportunities
Slide 5: BBVA Strategy Defined in 2015: Boost Its Transformation
BBVA PURPOSE BBVA Corporate Presentation BBVA Strategy Defined in 2015: Boost Its Transformation OUR PURPOSE To bring the age of opportunity to everyone OUR VALUES €3 Customer comes first @ We think big © Weareone team STRATEGIC PRIORITIES é New standard in customer experience ] Digital sales @ New
Slide 6: Impressive Progress on the Digitization of Our Clients
Impressive Progress on the Digitization of Our Clients and Value Proposition DIGITAL CUSTOMERS x2.1 | MILLION 15.3 57% Penetration 2015 2016 2017 2018 2019 MOBILE CUSTOMERS MILLION x3.2 —_] 29.0 i 51% 91 y Penetration 2015 2016 2017 2018 2019 BBVA Corporate Presentation y 6 BEST MOBILE APP FORRESTER
Slide 7: Digital Channels Allow Significant Acceleration in Sales Growth
BBVA Corporate Preser Digital Channels Allow Significant Acceleration in Sales Growth and Client Acquisition DIGITAL SALES (% OF TOTAL SALES YTD; # OF TRANSACTIONS AND PRV’) TL E2E DIGITAL ONBOARDING FOR SMEs 59% UNITS 6 5 O k potential new clients PRV! 45% ; -y OPEN BANKING - CUSTOMER GROWTH 16% PA
Slide 8: Digitization Positively Impacting Growth and Customer Satisfaction
Digitization Positively Impacting Growth and Customer Satisfaction “a re * MorE Customers wore Satisfied vor loyal +8.8m—), NET PROMOTER SCORE! 12 MONTHS ATTRITION RATE 563 RANKING, DECEMBER 2019 % - Individuals Commercial 17% O41 == #1 ee 4) 475 Li #) = #) 2015 2019 2015 2016 2017 2018 2019 kB iaba
Slide 9: New Strategic Priorities
New Strategic Priorities Improving our What we pong Aa . tand f client's financial Sclielitr health Drivers of superior ' Reaching more clients Performance maealvenere The best and most engaged team to Deliver on our Strategy Helping our clients transition towards a sustainable future Operational ex
Slide 10: 2019 Results
2019 Results Creating Opportunities
Slide 11: Excellent profit growth
BBVA Corpor 2019 RESULTS Excellent profit growth NET ATTRIBUTABLE PROFIT (€M) a Robust core revenue growth +15% excluding BBVA USA . goodwill impairment a Further improvement in best-in-class efficiency a Sound risk indicators 1,182 1,260 1,225 1,163 1,012 . a cova a_ Strong capital position soodw i
Slide 12: 2019 Profit & Loss
2019 RESULTS 2019 Profit & Loss BBVA Group Net Interest Income 18,202 Net Fees and Commissions 5,033 Net Trading Income 1,383 Other Income & Expenses -77 Gross Income 24,542 Operating Expenses -11,902 Operating Income 12,639 Impairment on Financial Assets -4,151 Provisions and Other Gains and Losses
Slide 13: Further improvement in best-in-class efficiency
2019 RESULTS Further improvement in best-in-class efficiency GROUP OPERATING JAWS GROUP OPERATING INCOME EFFICIENCY RATIO (12M YoY (%);€ CONSTANT) (YoY (%); €M CONSTANT) (%; € CONSTANT) TAY 92 — vo! oe bps 63.6% 5.4% ion 12,639 y 9 11,773 5.3% 50.1% 49.4% 3.5% 48.5% 12M17_—-12M18—«12M19_ European Pe
Slide 14: Outstanding trend in digital sales across the board
2019 RESULTS BBVA Corporate Presentation Outstanding trend in digital sales across the board (% of total sales YtD, # of transactions and PRV') GROUP 523 924 15.8 45.0 UNITS 35.8 PRV 10.2 Jan-16 Dec-18 Dec-19 WI MEXICO 55.2 43.7 43.3 87 30.5 7.0 Jan-16 Dec-18 Dec-19 Group and South America fig s exc
Slide 15: Cledara minority stake
Minority stake 39% stake Cledara
Slide 16: 4Q19 Results: Business Areas
4Q19 Results Business Areas Creating Opportunities
Slide 17: Unique footprint with leadership positioning
4Q19 RESULTS - BUSINESS AREAS Unique footprint with leadership positioning BREAKDOWN BY BUSINESS AREA TOTAL ASSETS! Dec.19 South America Bestof Eurasia 8% Turkey = 9% Spain Mexico 52% 15% 13% GROSS INCOME! 12M19 Rest of Eurasia South America cael 14% Mexico 32% (1) Percentages exclude Corporate Cent
Slide 18: Business Areas: Spain, USA, Mexico
4Q19 RESULTS - BUSINESS AREAS Business Areas = Spain NET ATTRIBUTABLE PROFIT (12M19) | 386 EMM -1.0% vs. ema NPL RATIO 44% vs. 5.1% 4Q18 COVERAGE RATIO 60% vs. 57% 4Q18 a Loans: growth in most profitable retail segments. a Nilaligned with expectations: positive performance of commercial activity mor
Slide 19: Business Areas: Turkey, South America
4Q19 RESULTS - BUSINESS AREAS Business Areas Tu rkey constant€ NET ATTRIBUTABLE PROFIT (12M19) 506 EM -0.5% vs. 12m NPLRATIO COVERAGE RATIO 70% 75% vs. 5.3% 4018 vs. 81% 4Q18 a TLloan growth acceleration in 4Q19. FC loans continue to shrink, in line with expectations. a Nik: flat in 2019, despite th
Slide 20: CIB 12M19 Results
4Q19 RESULTS - BUSINESS AREAS CIB — 12M19 Results BUSINESS ACTIVITY (CONSTANT€, % YtD) LENDING 66€bn 411.9% CUSTOMER FUNDS AQ €bn 17% CLIENT’S REVENUE (CONSTANT, % YoY) 2,894 €m +/% Wholesale banking 05 recurrent business! % % of revenues given by our relations with clients BBVA Corporate Presentati
Slide 21: Annex
Annex
Slide 22: 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 e 1999 © 2000 e 2004 Banco Continental (Peru) Probursa (México) Banco Ganadero (Colombia) Bancos Cremi and Oriente (Mexico) Banco Francés (Argentina) Banco Provincial (Venezuela) B.C. Argentino (A
Slide 23: Organizational chart
ANNEX Organizational chart BUSINESS UNITS Corporate & Investment Banking Luisa G6mez Bravo a o] Country Monitoring! Jorge Sdenz-Azcinaga Py Country Manager Espafia Peio Belausteguigoitia a 5} Country Manager México Eduardo Osuna + Javier Rodriguez Soler Country Manager Turquia Recep Bastug ru (1) Re
Slide 24: Slide 24
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