25 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, June 2020
Slide 1: Group BBVA 1Q20 Results
vy Creating Opportunities Group BBVA 1Q20 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
BBVA Corporate Presentation £3 OUR PURPOSE ©© To bring the age of opportunity to everyone °° BBVA'S GLOBAL PRESENCE FINANCIAL HIGHLIGHTS MARCH 2020 MARCH 2020 Loans and advances Deposits 7 Total assets to customers- gross from customers “a yg ol 730,923 €m 395,911 €m 385,050 €m all “hs . Net attribu
Slide 4: Purpose
BVA Purpose iting Opportunities
Slide 5: Our Purpose and New Strategic Priorities
BBVA PURPOSE OUR PURPOSE NEW STRATEGIC PRIORITIES To pri aibe age heen of opportunity to everyone Reaching more clients y The best and most engaged team OUR VALUES Customer comes first We think big Helping our clients transition towards a sustainable future (e) Driving operational excellence @) Data
Slide 6: Our response to COVID-19
BBVA Corporate Presentation yo BBVA PURPOSE Our response to COVID-19 ANTICIPATION - hove ————— Protect the health Continue to provide Offer financial and safety of our an essential service support to our employees, clients to the economies clients and the community where we operate Our Purpose and o
Slide 7: Contribute to society to save lives
BBVA Corporate Presentation yo BBVA PURPOSE Contribute to the society to save lives €35 million donation to fight the coronavirus pandemic rey Support Public Support NGOs Support Scientific €2+ million Health Systems working with the Research on the in campaigns through the donation most vulnerable
Slide 8: Protect our employees and vendors
BBVA Corporate Presentation ys BBVA PURPOSE Protect our employees and vendors ~ \ v a wo / PROTECTING OUR PRESERVING HEALTH TEAMMATES SUPPORTING TO AND SAFETY EMPLOYEMENT OUR VENDORS 86.000. employees Our priority is to preserve Support to our closer ' working remotely our employees’ jobs vendors wi
Slide 9: Continue to provide an essential service to the economy
BBVA PURPOSE Continue to provide an essential service to the economy / REMOTE CHANNELS 7 REMOTE CAPABILITIES / DIGITAL SALES % OF ACTIVITY INCREASE!2 % VISITS TO "MY CONVERSATIONS"? % OF TOTAL UNITS SALES MTD 63.4% + 32% + 35% 59.9% 59.0% 4) Transaction volume (=) "My Conversations” through digital
Slide 10: Financial support to our clients
BBVA PURPOSE Financial support our clients me PAYMENTS FLEXIBILITY @ Deferrals of mortgages and other loans repayment flexibility © Deferral of auto loans repayment @ Deferral of insurance repayment 2. SUPPORT AND PROACTIVE AID TO VULNERABLE GROUPS Cancelling certain fees and commissions %o Pension
Slide 11: 1Q20 Results
iting Opportunities 1020 Results
Slide 12: Strong Pre-Provision Profit growth and anticipation of COVID-19
1Q20 RESULTS Strong Pre-Provision Profit growth and anticipation of COVID-19 7 NET ATTRIBUTABLE PROFIT | (€M current) Excluding COVID-19 front-loaded provisions and one-offs™ -75.3% +6.4% COVID-19 frontloaded provisions -€966M" 1,260 1,258 1,182 1,182 1225 1163 1Q19 1Q20 (*) COVID-19 impairment net
Slide 13: 1Q20 Profit & Loss
1Q20 RESULTS 1Q20 Profit & Loss BBVA Group Net Interest Income Net Fees and Commissions Net Trading Income Other Income & Expenses Gross Income Operating Expenses Operating Income Impairment on Financial Assets Provisions and Other Gains and Losses Income Before Tax Income Tax Non-controlling Intere
Slide 14: Outstanding operating income and efficiency
1Q20 RESULTS Outstanding operating income and efficiency / GROUP OPERATING JAWS / GROUP OPERATING INCOME = / EFFICIENCY RATIO (3M20 YoY (%); € CONSTANT) (YoY (%);€M CONSTANT) (%; € CONSTANT) a 20.3% -401 pbs INFLATION | 49.0 65.2% 7.2% 5.2% 3,566 49.9% “og p Average 12m 2, [ | 0% 2.2% J2M18 =12M19—
Slide 15: Outstanding trend in digital sales
1Q20 RESULTS Outstanding trend in digital sales (% OF TOTAL SALES YTD, # OF TRANSACTIONS AND PRV') GROUP T SPAIN 5915) 60.7 PRV 49.3 39.9 45.4 40.1 28.9 31.3 Mar-18 Mar-19 Mar-20 Mar-18 Mar-19 Mar-20 WI MEXICO TM TURKEY 53.0 58.0 74.0 79.4 79.0 39.6 ———) 47.2 e—_e_® 41.5 52.5 51.1 257 42.5 : Mar-18
Slide 16: Cledara minority stake
Minority stake 39% stake Cledara
Slide 17: 1Q20 Results: Business Areas
iting Opportunities 1Q20 Results Business Areas
Slide 18: A well-diversified footprint with leadership positioning
A well-diversified footprint with leadership positioning / BREAKDOWN BY BUSINESS AREA TOTAL ASSETS “”) MAR.20 South America Rest of Eurasia 7% 3% Turkey esau 3% Mexico Spain 14% 34% us 13% GROSS INCOME“) 3M20 South Rest of Eurasia America 2% 9) U Spain ON 74% Turkey ( US 17% ‘ 13% Mexico 31% (1) Per
Slide 19: Business Areas: Spain, USA, Mexico
1Q20 RESULTS - BUSINESS AREAS Business Areas = Spain NET ATTRIBUTABLE PROFIT (1Q20) 141€m na NPL RATIO COVERAGE RATIO 4.3% 66% vs.5.0% 1019 vs. 58% 1919 a Strong core revenue growth, mainly driven by fees a Costscontinue to go down = USA constant NET ATTRIBUTABLE PROFIT (1Q20) -]00 €m na NPL RATIO C
Slide 20: Business Areas: Turkey and South America
1Q20 RESULTS - BUSINESS AREAS Business Areas Turkey constant ® South America constanté NET ATTRIBUTABLE PROFIT (1920) NET ATTRIBUTABLE PROFIT (1Q20) 1 29 €M_ +0.3% vs.1019 70 €M -53.8%* vs.1019 NPL RATIO COVERAGE RATIO. COST OF RISK (YtD) 6.7% 86% m 401% 41 2.43% = 2.62% vs. 5.8% 1Q19 vs. 78% 1Q19 v
Slide 21: CIB 3M20 Results
BBVA Corporate Presentation y 2 1Q20 RESULTS - BUSINESS AREAS CIB — 3M20 Results / BUSINESS ACTIVITY / CLIENT’S REVENUE / RESULTS (CONSTANT, % YTD) (CONSTANT€, % YOY) (CONSTANTE, % YOY) 74.€bn 7O5€m 19% 754 €m +18.3% +6.0% PERATING INCOME CUSTOMER FUNDS Wynclesslelsent ine 4 > Col recurrent business
Slide 22: Annex
iting Opportunities 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 © 1997 © 1998 © 2005 Banco Continental (Peru) Probursa (México) Banco Ganadero (Colombia) Bancos Cremi and Oriente (Mexico) Banco Francés (Argentina) Banco Provincial (Venezuela) B.C. Argentino (Argentina) Ponc
Slide 24: Organizational chart
ANNEX Organizational chart Chief Executive Officer ave Onur Geng BUSINESS UNITS GLOBAL FUNCTIONS TRANSFORMATION Global Head of Corporate Global Head of Client Solutions Global Head of Engineering ga & Investment Banking af David Puente & Organization Luisa Gémez Bravo ~ Ricardo Forcano Global Head o
Slide 25: Slide 25