22 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, November 2020
Slide 1: Group BBVA 3Q20 Results
vy Creating Opportunities Group BBVA 3020 Results
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 decisio
Slide 3: To bring the age of opportunity to everyone
BBVA Corporate Presentation 3 OUR PURPOSE To bring the age of opportunity to everyone BBVA’S GLOBAL PRESENCE FINANCIAL HIGHLIGHTS SEPTEMBER 2020 SEPTEMBER 2020 Loans and advances Deposits Total assets to customers - gross from customers 727,014 €m 379,018 €m 395,132 €m Net attributable profit 3Q20 N
Slide 4: BBVA Purpose
BVA Purpose iting Opportunities
Slide 5: To bring the age of opportunity to everyone
BBVA Corporate Presentation 5 BBVA PURPOSE OUR PURPOSE To bring the age NEW STRATEGIC PRIORITIES of opportunity Improving our clients’ financial health Helping our clients transition towards a sustainable future to everyone Driving operational Reaching more clients excellence The best and most Data
Slide 6: 3Q20 Results
iting Opportunities 3Q20 Results
Slide 7: Solid profit evolution, strong capital position and stable tangible book value per share
BBVA Corporate Presentation 7 3Q20 RESULTS Solid profit evolution, strong capital position and stable tangible book value per share in this challenging environment NET ATTRIBUTABLE PROFIT CET1 FULLY LOADED (€M CURRENT) (%) 11.52% +4.1% +30bps vs 3Q19 in constant € Continue to prove resiliency 11.22%
Slide 8: 3Q20 Profit & Loss
BBVA Corporate Presentation 8 3Q20 RESULTS 3Q20 Profit & Loss Change 3Q20/3Q19 BBVA Group (€m) 3Q20 % % constant Net Interest Income 4,109 -8.1 5.5 Net Fees and Commissions 1,143 -10.2 -0.8 Net Trading Income 372 6.0 13.3 Other Income & Expenses 38 69.8 n.s. Gross Income 5,663 -7.5 5.0 Operating Exp
Slide 9: 9M20 Profit & Loss
BBVA Corporate Presentation 9 9M20 RESULTS 9M20 Profit & Loss Variación 9M20/9M19 Grupo BBVA (M€) 9M20 % % constantes Margen de intereses 12,763 -4.9 4.7 Comisiones 3,444 -8.0 -1.3 Resultados de operaciones financieras 1,479 65.5 83.7 Otros ingresos netos 22 76.6 n.s. Margen bruto 17,708 -2.0 7.4 Ga
Slide 10: Very disciplined cost management and leading efficiency indicators
BBVA Corporate Presentation 10 3Q20 RESULTS Very disciplined cost management and leading efficiency indicators OPERATING EXPENSES GROUP OPERATING JAWS EFFICIENCY RATIO (€M CONSTANT) (6M20 YoY (%); € CONSTANT) (%; € CONSTANT) -3.8% 63.6% -438 bps INFLATION 4.4% 2,798 3.4% Average 12m 50.0% 2,691 45.6
Slide 11: Leveraging digital capabilities to better serve our clients in this context
BBVA Corporate Presentation 11 3Q20 RESULTS Leveraging digital capabilities to better serve our clients in this context MOBILE CUSTOMERS APP INTERACTIONS GROUP DIGITAL SALES (MILLION CUSTOMERS, %) QUARTERLY SERVICING TRANSACTIONS1 (YTD, %) (3Q20 VS 3Q19) +13.9% UNITS 63.6% 32.8 57.7% VALUE- PRV2 28.
Slide 12: Leading digital capabilities
BBVA Corporate Presentation 12 3Q20 RESULTS Leading digital capabilities BANKING APP E-COMMERCE MARKET SHARE MARKET SHARE (%) (%) 22.2% 38.7% PEER 1 21.4% PEER 1 23.9% PEER 2 14.7% PEER 2 13.1% PEER 3 14.4% PEER 3 5.4% PEER 4 12.5% BBVA Ranked PEER 4 4.6% PEER 5 10.9% #1 in DIY1 PEER 5 3.4% PEER 6 6
Slide 13: Outstanding trend in digital sales
BBVA Corporate Presentation 13 3Q20 RESULTS Outstanding trend in digital sales (% OF TOTAL SALES YTD, # OF TRANSACTIONS AND PRV*) UNITS PRV GROUP SPAIN USA 57.9 63.6 UNITS 57.6 50.0 51.7 36.4 44.0 PRV 24.7 27.3 47.9 44.6 36.3 41.9 42.4 31.6 33.4 22.6 24.2 Sep-18 Sep-19 Sep-20 Sep-18 Sep-19 Sep-20 Se
Slide 14: Business Areas
iting Opportunities 3020 Results Business Areas
Slide 15: A well-diversified footprint with leadership positioning
BBVA Corporate Presentation 15 3Q20 RESULTS - BUSINESS AREAS A well-diversified footprint with leadership positioning BREAKDOWN BY BUSINESS AREA LEADERSHIP POSITIONING MARKET SHARE (IN %) AND RANKING (**) TOTAL ASSETS (*) SEP.20 SPAIN USA South Rest of TEXAS America Turkey 7% Eurasia 3% #3 13.3% #4
Slide 16: Business Areas: Spain and USA
BBVA Corporate Presentation 16 3Q20 RESULTS - BUSINESS AREAS Business Areas €M 9M20. Change in % vs. 2Q20 and 9M19 Spain USA Constant € OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT €2,105 M €440 M €960 M €115 M vs. 2Q20 vs. 9M19 vs. 2Q20 vs. 9M19 Net Interest Inc
Slide 17: Business Areas: Mexico and Turkey
BBVA Corporate Presentation 17 3Q20 RESULTS - BUSINESS AREAS Business Areas €M 9M20. Change in % vs. 2Q20 and 9M19 Mexico Constant € Turkey Constant € OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT €3,489 M €1,204 M €2,075 M €503 M vs. 2Q20 vs. 9M19 vs. 2Q20 vs. 9M
Slide 18: Business Areas: South America
BBVA Corporate Presentation 18 3Q20 RESULTS - BUSINESS AREAS Business Areas €M 9M20. Change in % vs. 2Q20 and 9M19 South America Constant € 1 OPERATING INCOME NET ATTRIBUTABLE PROFIT €1,397 M 326 M€ RESULTADO ATRIBUIDO vs. 2Q20 vs. 9M19 Colombia: Solid core revenue growth, NTI and opex control as Co
Slide 19: CIB – 9M20 Results
BBVA Corporate Presentation 19 3Q20 RESULTS - BUSINESS AREAS CIB – 9M20 Results BUSINESS ACTIVITY CLIENT´S REVENUE RESULTS (CONSTANT €, % YTD) (CONSTANT €, % YOY) (CONSTANT €, % YOY) 2,186 €m LENDING GROSS INCOME +15% 65 €bn +8.7% 2,394 €m +19.0% CUSTOMER FUNDS OPERATING INCOME Wholesale banking 45
Slide 20: Annex
iting Opportunities Annex
Slide 21: Organizational chart
BBVA Corporate Presentation 21 ANNEX Organizational chart Chief Executive Officer GROUP EXECUTIVE CHAIRMAN Onur Genç Carlos Torres Vila BUSINESS UNITS GLOBAL FUNCTIONS TRANSFORMATION STRATEGY LEGAL AND CONTROL Global Head of Corporate Global Head of Client Solutions Global Head of Engineering Senior
Slide 22: Slide 22