Slide 1: Creating Opportunities
Creating Opportunities
Slide 2: Disclaimer
BBVA Corporate presentation 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: About BBVA
ABOUT BBVA BBVA Corporate presentation 3 ||!® FINANCIAL HIGHLIGHTS & BBVA’S GLOBAL PRESENCE MARCH 2022 \ MARCH 2022 . Net attributable profit1Q22 CET1FL a 2 1,651 €m 12.70% ww Met OUR PURPOSE ' f ‘ Total assets - , To bring the age 675,842 em q i Le dad Countries Branches Employees Customer of oppor
Slide 4: About BBVA: Purpose and Strategic Priorities
ABOUT BBVA BBVA Corporate presentation 4 To bring the age of opportunity to everyone STRATEGIC PRIORITIES Improving our clients’ ra Helping our clients transition financial health towards a sustainable future & Reaching more clients a een Sasa w Unslateselnelinntesu es Data and Technology engaged te
Slide 5: A well-diversified footprint with leading franchises
ABOUT BBVA @ Awell-diversified footprint with leading franchises BREAKDOWN BY BUSINESS AREA TOTAL ASSETS! MAR-22 Rest of South Busmmess Oe Sf Turkey 8% Spain 9 Mexico 58% 18% GROSS INCOME! love Rest of South Buses America Spain 15% “a 28% Turkey “ / Mexico 37% (1) Figures exclude the Corporate Cente
Slide 6: Financial strength: main highlights 1Q22
ABOUT BBVA BBVA Corporate presentation 6 liv Financial strength: main highlights 1022 EXCELLENT CORE REVENUES EVOLUTION AND ACTIVITY GROWTH LEADING EFFICIENCY WITH POSITIVE JAWS THE HIGHEST OPERATING INCOME IN OUR HISTORY COST OF RISK BETTER THAN EXPECTATIONS STRONG CAPITAL POSITION TOTAL LOAN GROWT
Slide 7: Setting a new record in customer acquisition
ABOUT BBVA BBVA Corporate presentation 7 = E Setting anew record in customer acquisition NEW CUSTOMER ACQUISITION! (MILLION; % ACQUISITION THROUGH DIGITAL CHANNELS) 2.4 r) 18 1.9 1.9 @ e e DIGITAL 13 ACQUISITION WW e 57% +316 TOTAL @ % 1022 vs 1021 DIGITAL 6% 1017 1018 1019 1020 1021 1922 (1) Gross
Slide 8: Investing in disruption as part of our growth strategy
ABOUT BBVA E Investing in disruption as part of our growth strategy ENTERING NEW MARKETS THROUGH VENTURE CAPITAL INVESTMENTS IN SELECTIVE DIGITAL BANK INVESTMENTS DISRUPTION GROWTH COMPANIES 4 Atom bank © Solarisbank (UK) (EUROPE) FINTECH acon B01 BBVAITALIA DECARBONIZATION (BRAZIL) DIGITAL ASSETS 2
Slide 9: Advancing in our clear commitment to sustainability
Cuda Oo BECUTE BBVA © ‘Advancing i in our clear commitment to sustainability SUSTAINABILITY BOOSTING GROWTH SUSTAINABLE FINANCING 200 ‘ (€BILLION) (SUSTAINABLE BUSINESS PRODUCTION; 1022 VS 1921€ CHANGE) | PLEDGE 2025 _ €l1Bn MOBILITY 2 CHANNELED RETAIL 4x FINANCING! -5x IN 1922 Total channeled 97 CO
Slide 10: 1Q22 Results
Creating Opportunities 1Q22 Results
Slide 11: 1Q22 Profit & Loss
1Q22 RESULTS — BBVA GROUP 1Q22 Profit & Loss BBVA Corporate presentation 11 - Change Change 1Q22/1921 1Q22/4Q21 BBVA Group (€M) 1Q22 % constant % % constant % Net Interest Income 4,158 26.3 20.5 6.9 45 Net Fees and Commissions 1,241 14.1 9.5 -0.3 -0.5 Net Trading Income 580 8.7 -0.3 46.3 32.3 Other
Slide 12: Business Areas: Spain and Mexico
Business Areas €M 1022. Change in % vs. 1921 @ Spain OPERATING INCOME 950 €m NET ATTRIBUTABLE PROFIT 601€m 1922 vs. 1921 Net Interest Income 859 -0.8% Net Fees and Commissions 536 +5.4% Operating Expenses 4 5.6% Operating Income 950 48.3% Impairment on Financial Assets -89 51.7% Net Attributable Pro
Slide 13: Business Areas: Turkey and South America
1Q22 RESULTS nos UNITS BBVACorporate presentation 13 Business Areas €M 1022. Change in % vs. 1921 Turkey constanté South America constante OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME OPERATING INCOME 797€mM 249 €m 469 €m 158€m 1Q22 vs. 1921 Net Attributable Profit 1Q22 vs. 1Q21 Net li
Slide 14: Corporate & Investment Banking
1Q22 RESULTS — BUSINESS UNITS e Corporate & Investment Banking Constant €M 1Q22. Change in % vs. 1921 BUSINESS ACTIVITY CLIENTS REVENUE LENDING 70€bn 412.1% 877m Os CUSTOMER FUNDS Wholesale banking 0 recurrent business! AO €bn +0.4 % 86 % % of revenues given by our relations with clients BBVA Corpor
Slide 15: BBVA: Creating Opportunities
BBVA Creating Opportunities
Slide 16: BBVA had significant growth since 1995
BBVA had significant growth since 1995 More than 160 years of history 1998 PDT Banco Continental (Peru) Probursa (México) Banco Ganadero (Colombia) Bancos Cremi and Oriente (Mexico) Banco Francés (Argentina) Banco Provincial (Venezuela) B.C. Argentino (Argentina) Poncebank (Puerto Rico) Banco Excel
Slide 17: BBVA's shareholders structure (Mar.22)
BBVA‘s shareholders structure (Mar.22) # BBVA shares: 6,668 mm INSTITUTIONAL 62.38% RETAIL 37.62% # Shareholders: 815,233 ANNEX Shareholders Amount % BBVA Corporate presentation 17 Shares Amount Hasta 500 336,503 41.3 63,002,367 0.9 501a5.000 375,689 46.1 663,481,382 10.0 5.001 a 10.000 55,273, 6.8
Slide 18: Organisation: Chair, CEO and Business Units
Chief Executive Of f c e r Chair Business Units Global Functions Transformation Strategy Legal and Control Corporate & Investment Banking Finance Engineering S t ra t e g y & M&A Legal Client Solutions Global Ris k Management Talent & Culture Communications General Secretariat Sustainability Data Se
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