20 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, February 2024
Slide 1: BBVA Group 4Q23 Creating Opportunities
BBVA Group 4Q23 Creating Opportunities
Slide 2: Disclaimer
BBVA Corporate Presentation | 2 | Disclaimer This document is only provided for information purposes and is not intended to provide financial advice and, therefore, does not constitute, nor should it be interpreted as, an offer to sell, exchange or acquire, or an invitation for offers to acquire secu
Slide 3: About BBVA
BBVA Corporate Presentation | 3 | About BBVA BBVA’s GLOBAL PRESENCE FINANCIAL HIGHLIGHTS DECEMBER 2023 DECEMBER 2023 Net attributable profit 12M23 CET 1 FL 8,019 M€ 12.67% Total assets Deposits from customers OUR PURPOSE 775,558 M€ 413,487 M€ Countries Branches Employees Active Customers To bring the
Slide 4: About BBVA: Purpose, Strategic Priorities, Values
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 DEC-23 Rest of Business South America 8% Turkey 8% Spain SPAIN # 3 13.8% 55% 8% Mexico MEXICO # 1 24.7% 21% TURKEY # 2 18.3% G
Slide 6: 2023 key messages
BBVA Corporate Presentation | 6 | 2023 key messages 1 STRONG CORE REVENUES AND CORE REVENUES (NII+FEES) TOTAL LOAN GROWTH1 ACTIVITY GROWTH +27.0% vs. 2022 +7.6% vs. DEC 2022 2 EFFICIENCY RATIO LEADING AND IMPROVING EFFICIENCY WITH POSITIVE JAWS 41.7% -370 BPS. vs. 2022 3 SOLID ASSET QUALITY TRENDS,
Slide 7: Excellent customer growth driven by digital
BBVA Corporate Presentation | 7 | Excellent customer growth driven by digital NEW CUSTOMERS1 (BBVA GROUP, MILLION; % ACQUISITION THROUGH DIGITAL CHANNELS) DIGITAL TOTAL 65% DIGITAL 11% 2018 2019 2020 2021 2022 2023 (1) Gross customer acquisition through own channels for retail segment. Excludes the
Slide 8: Expanding our activity and positive impact on society
Expanding our activity and positive BBVA Corporate Presentation | 8 | impact on society INCLUSIVE GROWTH 1 FINANCING LOAN GROWTH (Dec’23, YOY, CONSTANT €) +7.6 % 15.0 €Bn MOBILIZED IN 2023 140,000 550,000 70,000 20 million FAMILIES BOUGHT SMEs AND SELF - LARGER CORPORATES PAYROLLS COLLECTED BY THEIR
Slide 9: Channeling sustainable business above the target path
BBVA Corporate Presentation | 9 | Channeling sustainable business above the target path SUSTAINABLE BUSINESS €70 Bn New target (€ Bn) (2022) YoY channeled in 2023 BY CLIENT (€Bn) growth 300 €Bn €206 Bn 70 +39% Channeled since 2018 Revised target (2021) 9.4 Retail +43% 200 €Bn 50 6.0 20.3 Enterprises
Slide 10: 4Q23 Results
Creating Opportunities 4Q23 Results
Slide 11: 4Q23 Profit & Loss
BBVA Corporate Presentation | 11 | 4Q23 Profit & Loss Change Change 4Q23/4Q22 4Q23/3Q23 BBVA Group (€M) 4Q23 % constant % % constant % Net Interest Income 5,246 19 -2 0 -18 Net Fees and Commissions 1,694 36 28 11 1 Net Trading Income 753 231 180 45 14 Other Income & Expenses -255 -40 -42 -71 -69 Gros
Slide 12: Business Areas: Spain and Mexico
BBVA Corporate Presentation | 12 | Business Areas SPAIN MEXICO (€M 12M23. CHANGE IN % vs. 12M22) (CONSTANT €M 12M23. CHANGE IN % vs. 12M22) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 4,743 €M 2,755 €M 9,883 €M 5,340 €M 12M23 vs. 12M22 12M23 vs. 12M22 Net Intere
Slide 13: Business Areas: Turkey and South America
BBVA Corporate Presentation | 13 | Business Areas TURKEY SOUTH AMERICA (€M 12M23. CHANGE IN % vs. 12M22) (€M 12M23. CHANGE IN % vs. 12M22) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 1,581 €M 528 €M 2,397 €M 613 €M 12M23 vs. 12M22 Net Attributable Profit 12M23 vs
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. 12M22) (CONSTANT €M CHANGE vs. 12M22) LENDING GROSS INCOME 78 €Bn +2.5% 4,190 €M +33% 4,804 €M +34.6% OPERAT
Slide 15: Takeaways
BBVA Corporate Presentation | 15 | Takeaways Creating value for our customers, shareholders, employees and society Continued progress in the execution of our strategy centered on digitalization, innovation and sustainability Growing our franchises with industry-leading profitability and efficiency Sig
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 (Dec.23)
BBVA Corporate Presentation | 18 | BBVA’s shareholders structure (Dec.23) # BBVA SHARES # SHAREHOLDERS 5,838 MN 742,194 Shareholders Shares NUMBER OF SHARES Amount % Amount % Up to 500 315,389 42.5 58,447,373 1.0 501 to 5,000 334,638 45.1 592,992,044 10.2 5,001 to 10,000 49,539 6.7 347,292,314 5.9 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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