19 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, Nov 1, 2022
Slide 1: Creating Opportunities 3Q22
Creating Opportunities 3Q22
Slide 2: Disclaimer
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 to buy or invest in securiti
Slide 3: About BBVA
BBVA Corporate Presentation 3 About BBVA BBVA’s GLOBAL PRESENCE FINANCIAL HIGHLIGHTS SEPTEMBER 2022 SEPTEMBER 2022 Net attributable profit 9M22 CET 1 FL 4,842 M€ 12.45% Total assets 738,680 M€ Loans and advances to Deposits from customers - gross customers Countries Branches Employees Customers >25 6
Slide 4: To bring the age of opportunity to everyone
BBVA Corporate Presentation 4 About BBVA To bring the age of opportunity to everyone Improving our clients’ Helping our clients transition financial health towards a sustainable future Reaching more clients Driving operational excellence The best and most Data and Technology engaged team Customer We
Slide 5: A well-diversified footprint with leading franchises
BBVA Corporate Presentation 5 A well-diversified footprint with leading franchises BREAKDOWN BY BUSINESS AREA STRONG POSITION RANKING AND MARKET SHARE (%)2 TOTAL ASSETS1 SEP-22 Rest of Business 6% South America 9% SPAIN #3 13.4% Turkey Spain 9% 56% MEXICO #1 24.4% Mexico 20% GROSS INCOME1 9M22 TURKEY
Slide 6: 3Q22 key messages
BBVA Corporate Presentation 6 3Q22 key messages 1 CORE REVENUES (NII+FEES) TOTAL LOAN GROWTH1 OUTSTANDING CORE REVENUES AND ACTIVITY GROWTH +38.4% vs. 3Q21 +15.0% vs. SEP 2021 2 EFFICIENCY RATIO LEADING AND IMPROVING EFFICIENCY WITH POSITIVE JAWS 42.9% 9M22 -249 BPS. vs. 9M21 3 OPERATING INCOME HIGH
Slide 7: Customer acquisition showing all-time highs driven by digital
BBVA Corporate Presentation 7 Customer acquisition showing all-time highs driven by digital NEW CUSTOMER ACQUISITION1 (BBVA GROUP, MILLION; % ACQUISITION THROUGH DIGITAL CHANNELS) DIGITAL 54% 7% 9M17 9M18 9M19 9M20 9M21 9M22 (1) Gross customer acquisition through own channels for retail segment. Exc
Slide 8: We increase our Sustainable Business goal to €300Bn
BBVA Corporate Presentation 8 We increase our Sustainable Business goal to €300Bn SUSTAINABLE BUSINESS COMMITMENT IN (€ Bn) PORTFOLIO ALIGNMENT New goal € 300 Bn 2030 decarbonization goals set in selected CO2 intensive industries REDUCTION IN 2030 Goal in 2021 Power -52% kg CO2e/MWh € 200 Bn € 124 B
Slide 9: 3Q22 Results
Creating Opportunities 3Q22 Results
Slide 10: 3Q22 Profit & Loss
BBVA Corporate Presentation 10 3Q22 Profit & Loss Change Change 3Q22/3Q21 3Q22/2Q22 BBVA Group (€M) 3Q22 % constant % % constant % Net Interest Income 5,261 45.1 40.2 15.3 14.3 Net Fees and Commissions 1,380 17.4 14.7 -1.8 -2.0 Net Trading Income 573 54.5 48.0 14.2 11.2 Other Income & Expenses -358 n
Slide 11: 9M22 Profit & Loss
BBVA Corporate Presentation 11 9M22 Profit & Loss Change 9M22/9M21 BBVA Group (€M) 9M22 % constant % Net Interest Income 13,811 32.6 29.0 Net Fees and Commissions 4,030 17.4 14.6 Net Trading Income 1,669 17.4 13.4 Other Income & Expenses -1,145 n.s. n.s. Gross Income 18,366 21.2 17.8 Operating Expens
Slide 12: Business Areas: Spain and Mexico
BBVA Corporate Presentation 12 Business Areas SPAIN MEXICO (€M 9M22. Change in % vs. 9M21) (Constant €M 9M22. Change in % vs. 9M21) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 2,489 €m 1,514 €m 5,284 €m 2,964 €m 9M22 vs. 9M21 9M22 vs. 9M21 Net Interest Income 2,
Slide 13: Business Areas: Turkey and South America
BBVA Corporate Presentation 13 Business Areas TURKEY SOUTH AMERICA (Constant €M 9M22. Change in % vs. 9M21) (Constant €M 9M22. Change in % vs. 9M21) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 1,567 €m 336 €m 1,674 €m 614 €m 9M22 vs. 9M21 Net Attributable Profit
Slide 14: Business Areas: Corporate & Investment Banking
BBVA Corporate Presentation 14 Business Areas OTHER INFORMATION: CORPORATE & INVESTMENT BANKING (Constant €M 9M22. Change in % vs. 9M21) BUSINESS ACTIVITY CLIENT’S REVENUE RESULTS LENDING GROSS INCOME 79 €bn +36.9% 2,820 €m +21% 3,067 €m +36.2% OPERATING INCOME CUSTOMER FUNDS Wholesale banking recur
Slide 15: Annex
Creating Opportunities Annex
Slide 16: BBVA had significant growth since 1995
BBVA Corporate Presentation 16 BBVA had significant growth since 1995 MORE THAN 160 YEARS OF HISTORY 1995 Banco Continental (Peru) 2007 Compass (USA) Sale of CNCB´s 1.12% (China) 2016 Probursa (México) 2008 Extended CNBC agreement (China) Sale of GarantiBank Moscow AO (Moscow) 1996 Banco Ganadero (Co
Slide 17: BBVA's shareholders structure (Sep.22)
BBVA Corporate Presentation 17 BBVA’s shareholders structure (Sep.22) # BBVA shares: 6,030 MM # Shareholders: 813,683 Shareholders Shares Number of shares Amount % Amount % INSTITUTIONAL 57.78% Up to 500 333,186 40.9 62,482,925 1.0 501 to 5,000 375,474 46.1 668,177,029 11.1 5,001 to 10,000 56,346 6.
Slide 18: Organizational chart
BBVA Corporate Presentation 18 Organizational chart Chief Executive Officer Chair Onur Genç Carlos Torres Vila Business Units Global Functions Transformation Strategy Legal and Control Corporate & Investment Banking Finance Engineering Strategy & M&A Legal Luisa Gómez Bravo Rafael Salinas José Luis
Slide 19: Slide 19