20 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, Nov 1, 2023
Slide 1: BBVA Group 3Q23 Creating Opportunities
BBVA Group 3Q23 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 dec
Slide 3: About BBVA
BBVA Corporate Presentation | 3 | About BBVA BBVA’s GLOBAL PRESENCE FINANCIAL HIGHLIGHTS SEPTEMBER 2023 SEPTEMBER 2023 Net attributable profit 9M23 CET 1 FL 5,961 M€ 12.73% Total assets Deposits from customers OUR PURPOSE 757,736 M€ 403,861 M€ Countries Branches Employees Active Customers To bring th
Slide 4: About BBVA
BBVA Corporate Presentation | 4 | About BBVA Our Purpose To bring the age of opportunity to everyone Strategic Priorities Improving our clients’ Helping our clients transition towards financial health a sustainable future Our Values Reaching more clients Driving operational excellence The best and mo
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 1 TOTAL ASSETS SEP-23 Rest of Business South America 7% Turkey 8% Spain SPAIN # 3 13.8% 55% 9% Mexico MEXICO # 1 24.4% 22% TURKEY # 2 18.8% G
Slide 6: 3Q23 key messages
BBVA Corporate Presentation | 6 | 3Q23 key messages 1 CORE REVENUES GROWTH LEVERED CORE REVENUES (NII+FEES) TOTAL LOAN GROWTH1 ON ACTIVITY AND HIGHER SPREADS +32.1% vs. 9M22 +8.0% vs. SEP 2022 2 EFFICIENCY RATIO POSITIVE JAWS AND STRONG IMPROVEMENT IN EFFICIENCY 41.8% 9M23 -328 BPS. vs. 9M22 3 SLIGH
Slide 7: Excellent customer acquisition driven by digital
BBVA Corporate Presentation | 7 | Excellent customer acquisition driven by digital NEW CUSTOMERS1 (BBVA GROUP, MILLION; % ACQUISITION THROUGH DIGITAL CHANNELS) DIGITAL TOTAL 65% DIGITAL 11% 9M18 9M19 9M20 9M21 9M22 9M23 (1) Gross customer acquisition through own channels for retail segment. Excludes
Slide 8: We have a positive impact on society
BBVA Corporate Presentation | 8 | We have a positive impact on society LOAN GROWTH1 (Sep’23, YOY, CONSTANT €) +8.0 % INCLUSIVE GROWTH FINANCING 100,000 FAMILIES BOUGHT 400,000 SMEs AND SELF - 70,000 LARGER CORPORATES 12.0 €Bn MOBILIZED IN 9M23 THEIR HOME2 EMPLOYED BOOSTED INVESTED IN GROWTH3 THEIR B
Slide 9: Advancing in our clear commitment to sustainability
BBVA Corporate Presentation | 9 | Advancing in our clear commitment to sustainability SUSTAINABLE BUSINESS New target (€ Bn) €16 Bn (2022) YoY BY CLIENT (€Bn) growth channeled in 3Q23 300 €Bn 49 +25% €185 Bn Channeled since 2018 Revised target (2021) 39 7.3 Retail +69% Channeled since 2018 200 €Bn 4
Slide 10: 3Q23 Results
Creating Opportunities 3Q23 Results
Slide 11: 3Q23 Profit & Loss
BBVA Corporate Presentation | 11 | 3Q23 Profit & Loss Change Change 3Q23/3Q22 3Q23/2Q23 BBVA Group (€M) 3Q23 % constant % % constant % Net Interest Income 6,434 35.6 22.5 13.4 11.5 Net Fees and Commissions 1,685 27.6 21.7 13.6 14.6 Net Trading Income 658 37.1 14.7 79.9 96.6 Other Income & Expenses -8
Slide 12: Business Areas: Spain and Mexico
BBVA Corporate Presentation | 12 | Business Areas SPAIN MEXICO (€M 9M23. CHANGE IN % vs. 9M22) (CONSTANT €M 9M23. CHANGE IN % vs. 9M22) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 3,532 €M 2,110 €M 7,300 €M 3,987 €M 9M23 vs. 9M22 9M23 vs. 9M22 Net Interest Incom
Slide 13: Business Areas: Turkey and South America
BBVA Corporate Presentation | 13 | Business Areas TURKEY SOUTH AMERICA (€M 9M23. CHANGE IN % vs. 9M22) (CONSTANT €M 9M23. CHANGE IN % vs. 9M22) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 1,264 €M 367 €M 1,900 €M 496 €M 9M23 vs. 9M22 Net Attributable Profit 9M23
Slide 14: Business Areas: Corporate & Investment Banking
BBVA Corporate Presentation | 14 | Business Areas OTHER INFORMATION: CORPORATE & INVESTMENT BANKING BUSINESS ACTIVITY CLIENT’S REVENUE RESULTS (CONSTANT €M CHANGE YTD) (CONSTANT €M CHANGE vs. 9M22) (CONSTANT €M CHANGE vs. 9M22) LENDING GROSS INCOME 78 €Bn +1.6% 3,418 €M +35% 3,743 €M +36.4% OPERATIN
Slide 15: Takeaways
BBVA Corporate Presentation | 15 | Takeaways BBVA delivered another very strong quarter Excellent core revenues evolution on the back of activity growth and higher spreads, particularly for Mexico and Spain Delivering exceptional value creation for all of our stakeholders: shareholders, clients, emp
Slide 16: Annex
Creating Opportunities Annex
Slide 17: BBVA had significant growth since 1995
BBVA Corporate Presentation | 17 | BBVA had significant growth since 1995 MORE THAN 165 YEARS OF HISTORY Banco Continental (Perú) 1995 Probursa (Mexico) 2007 Compass (USA) 2016 Sale of CNCB´s 1.12% (China) Sale of GarantiBank Moscow AO (Moscow) Banco Ganadero (Colombia) 2008 Extended CNCB agreement (
Slide 18: BBVA's shareholders structure (Sep.23)
BBVA Corporate Presentation | 18 | BBVA’s shareholders structure (Sep.23) # BBVA SHARES # SHAREHOLDERS 5,965 MN 764,567 Shareholders Shares NUMBER OF SHARES Amount % Amount % Up to 500 320,518 41.9 59,850,509 1.0 501 to 5,000 347,619 45.5 617,318,453 10.3 5,001 to 10,000 51,682 6.8 362,663,173 6.1 R
Slide 19: Organizational chart
BBVA Corporate Presentation | 19 | Organizational chart Chief Executive Officer Chair Onur Genç Carlos Torres Vila BUSINESS UNITS GLOBAL FUNCTIONS TRANSFORMATION STRATEGY LEGAL AND CONTROL CIB & Sustainability (1) Finance Engineering Strategy & M&A Legal Javier Rodríguez Soler Luisa Gómez Bravo José
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