19 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, Sep 1, 2021
Slide 1: BBVA Group 2Q21
vy Creating Opportunities BBVA Group 2Q21
Slide 2: Disclaimer
BBVACorporatePresentation 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
Slide 3: About BBVA
About BBVA @_BBVA'S GLOBAL PRESENCE mI JUNE 2021 Me BOS Oyt _ - Countries Branches Employees Customer >25 6617 111,322 78.9m BB DIGITAL CAPABILITIES ——————_~ JUNE 2021 CUSTOMERS DIGITAL SALES DB Digital Mobile . _ eter a customers Units PRV! 385m 363m 71% 54% (1) Product Relative Value as a proxy of
Slide 4: Our Purpose and Strategic Priorities
OUR PURPOSE STRATEGIC PRIORITIES — Improving our clients’ = Helping our clients transition To b r | n g th e age 5 financial health © towards sustainable future fe} F F ¢ Driving operational of opportunity de Reachingmore clients % excellence to eve ryo ne w ae a Data and Technology I think big @)We
Slide 5: A well-diversified footprint with leadership positioning
BBVACorporatePresentation 5 ABOUT BBVA © Awell-diversified footprint with leadership positioning / BREAKDOWN BY BUSINESS AREA / LEADERSHIP POSITIONING RANKING AND MARKET SHARE (%)2 TRIAL ASSETS! Rest of SSPAIN #3 9 South Business 13.2% America 5% 8% _ Turkey Bs] MEXICO #1 237% 9% S| exe, 60% ic: | T
Slide 6: Financial strength: main highlights
ABOUT BBVA BBVACorporatePresentation 6 lv Financial strength: main highlights Strong core revenue evolution Leading efficiency Double-digit Operating Income growth Cost of Risk better than expectations, while maintaining high coverage levels Strong capital ratio and capital buffer even after 10% tar
Slide 7: Levering our best-in-class digital capabilities to better serve our customers
BBVACorporatePresentation 7 ABOUT BBVA E. Levering our best-in-class digital capabilities to better serve our customers 7 MOBILE CUSTOMERS 7 GROUP DIGITAL SALES 7 NEW CUSTOMERS DIGITAL (MILLION CUSTOMERS, PERCENTAGE) (YTD, PERCENTAGE) ACQUISITION2 +44.6% DicITALCHANNECS, THOUSANDS v UNITS AND % OF T
Slide 8: Helping our clients transition towards a more sustainable future
BBVACorporatePresentation 8 ABOUT BBVA & Helping our clients transition towards a more sustainable future: a massive business opportunity 7 SUSTAINABLE FINANCING (€BN) / CONTRIBUTION TO SOCIETY NEW [| NEW PLEDGE | 7200 cn 200 €Bn e Fundacién : T { BBVA MicroFinanzas 100 €Bn ACCORDING TO OECD": #2 pr
Slide 9: 2021 Results
iting Opportunities 2021 Results
Slide 10: 2Q21 Profit & Loss
2Q21 RESULTS - BBVA GROUP 2Q21 Profit & Loss BBVA Group Change 2021/2020 BBVACorporatePresentation 10 Change 2021/1021 Net Interest Income Net Fees and Commissions Net Trading Income Other Income & Expenses Gross Income Operating Expenses Operating Income Impairment on Financial Assets Provisions an
Slide 11: 6M21 Profit & Loss
BBVACorporatePresentation 11 2Q21 RESULTS - -BBVA GROUP 6M21 Profit & Loss Change 6M21/6M20 BBVA Group Net Interest Income 6,955 0.9 -8.0 Net Fees and Commissions 2,315 19.7 12.5 Net Trading Income 1,084 14.8 6.9 Other Income & Expenses -95 ns. ns. Gross Income 10,259 49 -3.6 Operating Expenses -4,5
Slide 12: Business Areas: Spain and Mexico
2Q21 RESULTS -BBVA GROUP Business Areas €M6M21. Change in % vs. 6M20 @ Spain / OPERATING INCOME / NET ATTRIBUTABLE PROFIT 1,557€m 745€m 6M21 vs.6M20 Net Interest Income 1,762 -2.2% Net Fees and Commissions 1,058 +16,5% Operating Expenses -1,499 -2.2% Operating Income 1,557 +13.2% Impairment on Finan
Slide 13: Business Areas: Turkey and South America
2Q21 RESULTS -BBVA GROUP Business Areas €M6M21. Change in % vs. 6M20 Turkey constants / OPERATING INCOME / NET ATTRIBUTABLE PROFIT 1,073 €m 384 €m 6m21 vs.6M20 Net Interest Income 1,036 -10.1% Net Fees and Commissions 297 +49,7% Operating Expenses -499 +18.0% Operating Income 1,073 +2.4% Impairment
Slide 14: CIB - 6M21 Results
2Q21 RESULTS - BUSINESS AREAS CIB — 6M21 Results / BUSINESS ACTIVITY (CONSTANT €, % YTD) LENDING 57 €bn 0.0% CUSTOMER FUNDS 38 €bn 12.6% BBVACorporatePresentation 14 / CLIENT’S REVENUE / RESULTS (CONSTANT€, % YOY) (CONSTANT€, % YOY) 1413€m 48% 1,621 €m — +18.2% OPERATING INCOME Wholesale banking Q7
Slide 15: Annex
iting Opportunities Annex
Slide 16: BBVA had significant growth since 1995
ANNEX BBVA had significant growth since 1995 More than 160 years of history © 1995 © 1996 © 1997 © 1998 @ 1999 ® 2000 © 2004 © 2005 Banco Continental (Peru) Probursa (México) Banco Ganadero (Colombia) Bancos Cremi and Oriente (Mexico) Banco Francés (Argentina) Banco Provincial (Venezuela) B.C. Argen
Slide 17: BBVA's shareholders structure (Jun.21)
BBVACorporatePresentation 17 ANNEX BBVA's shareholders structure (Jun.21) # BBVA Shares: 6,668 Bn | # Shareholders: 849,605 Shareholders Shares INSTITUTIONAL NUMBER OF SHARES Number Number 60.72% Up to 500 349,964 41.2 65,616,409 1.0 501 to 5,000 393,255 46.3 689,014,893 10.3 RETAIL 5,001 to 10,000
Slide 18: Organizational chart
ANNEX Organizational chart BUSINESS UNITS Global Head of Corporate & Investment Banking Luisa Gémez Bravo Country Monitoring! NS Jorge Séenz-Azctinaga Country Manager Spain Peio Belausteguigoitia Ie Country Manager Mexico Eduardo Osuna Recep Bastug & Country Manager Turkey (2) The exe B Chief Execut
Slide 19: Slide 19