Banco Bilbao Vizcaya Argentaria, S.a. · BME:BBVA
Banco Bilbao Vizcaya Argentaria — BBVA — Shareholder Meeting (March 2017)
22 slides from Banco Bilbao Vizcaya Argentaria's shareholder meeting presentation, Mar 17, 2017
Slide 1: General Shareholders' Meeting
General Shareholders’ Meeting Bilbao, March 17, 2017 Francisco González Group Executive Chairman
Slide 2: Index
Index 01 An uncertain global environment 02 2016 Results 03 Setting milestones in our transformation GSM / 2
Slide 3: 2016: a complex environment
2016: a complex environment % GDP Growth 2001-2007 2016 2017 World 4.4 3.0 3.2 Eurozone 2.0 1.7 1.6 Spain 3.6 3.2 2.7 GSM / 3 … with major political uncertainties
Slide 4: 2017 macro outlook: BBVA's footprint
2017 macro outlook: BBVA’s footprint USA Turkey 2017 growth +2.3% Mexico +2.5% (2.1%), +1.0% similar South America Spain to that of +2.7% Footprint* +2.6% 2016 (*) Ex-Venezuela (**) Weighting based on the countries contribution to our business GSM / 4
Slide 5: High geopolitical risk
… High geopolitic risk Global structural problems Negative impacts on “Technological” “Fake and unilateral unemployment (transition) short- term solutions” growth in the short Inequalities and long term Migrations Increasing conflicts Demography GSM / 5 Structural reforms and global agreements are n
Slide 6: 2016 Results
BBVA feprties 02 2016 Results GSM/6
Slide 7: 2016: A very strong set of results
2016: A very strong set of results Attributable Profit (€m) Key points +31.5% Revenue growth 3,475 +61.2% in constant € 2,642 Cost control Drop in loan-loss provisions 2015 2016 GSM / 7
Slide 8: Revenue growth and cost management
Revenue growth and cost management … Gross Income (€ m) Total Op. Exp. (€ m) Efficiency ratio (%) +4.1% -1.4% -51 bps 23,680 24,653 12,975 12,791 52.4% 51.9% 2015 2016 2015 2016 12M15 12M16 GSM / 8 … lead to an improvement in efficiency
Slide 9: Improved risk indicators, and strong capital base
Improved risk indicators, and …. Main risk indicators (%) CET1 Fully-Loaded (YoY trend, %) 74 +58 pbs 70 Coverage Ratio 10.90% 5.4 10.32% NPL Ratio 4.9 1.1 0.8 Cost of Risk 2015 2016 dec-15 dec-16 Note: 2015 includes the additional participation of Garanti consolidated by the global integration meth
Slide 10: Shareholder remuneration policy
Shareholder remuneration policy The last scrip dividend in April 2017 Going forward, 100% of the dividend in cash Pay-out in cash: between 35% and 40% of the results Two dividend payments per year GSM / 10 A clear, sustainable and predictable dividend policy, in line with best market practices
Slide 11: Setting milestones in our transformation
03 Setting milestones in our transformation GSM / 11
Slide 12: Reshaping the financial industry
Reshaping the financial industry New entrants Exponential Technologies Payments Loans Cloud Computing Mobile Open Innovation Big Data Biometry Wealth Distributed ledgers management Artificial Intelligence GSM / 12
Slide 13: Banking of the future
Banking of the future Technological Zero conflicts of Transparency excellence interest Customer Trust experience GSM / 13
Slide 14: BBVA's digital journey
BBVA’s digital journey STEP (Turkey) Strategic Plan Organization simplif. Purpose Strategic Priorities Degree of progress New organization Selfie online onboarding 63 % NPS mobile app Spain DC. Lago Esmeralda 18.4 m digital clients Innovation 90 m Center (ampl.) transac./day DC. Tres Cantos 1 billio
Slide 15: BBVA's transformation milestones
BBVA’s transformation milestones Vision Construction Execution Deployment Degree of Strategic plan progress Organization simplif. Purpose Strategic Priorities New organization Vision Digital 2nd Gen. Banking platform 1st Gen. platform 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019…
Slide 16: A new culture
A new culture Vision Construction Execution Deployment Degree of progress (ampl.) DC. Lago Esmeralda 1,550 people in scrums Innovation Center DC. Tres Cantos SFO Office Dallas Creation Center SFO Office extension Torre Bancomer La Vela 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Slide 17: New products, businesses and results
New products, businesses and results Vision Construction Execution Deployment Degree of 18.4 m digital customers progress 12.4 m mobile customers One Click Loans 1 billion transac./day STEP 12.5 m digital customers (Turkey) 90 Mll 5.9 m mobile customers transac./day 63 % NPS mobile App Spain 1st Mob
Slide 18: BBVA: the best customer experience
… BBVA: the best customer experience1 BBVA’s Change vs. Entity / Channel position2 NPS3 2015 Entity 1º 13% +10 pp Online Banking 1º 43% +2 pp Mobile App 1º 63% +20 pp ATM 1º 39% +10 pp Branch 1º 32% +14 pp (1) Ranking between peer group entities in Spain: BKIA, CABK, POP, SAB and SAN. (2) According
Slide 19: BBVA's digital journey: the deployment
BBVA’s digital journey: the deployment STEP (Turkey) Strategic Plan Organization simplif. Vision Construction Execution Deployment Purpose Strategic priorities Degree of progress New organization Selfie online onboarding 63 % NPS mobile App Spain DC. Lago Esmeralda 18.4 m digital customers Innovatio
Slide 20: BBVA, building the best reputation
BBVA, building the best reputation Improving our customers’ experience Principles based strategy Corporate Responsibility Supporting knowledge GSM / 20
Slide 21: 2016: a very good year for BBVA
2016: a very good year for BBVA Strong results growth Transformation advances: execution phase Qualitative leap in our strategy The most relevant project in the industry JGA / 21
Slide 22: Slide 22