Banco Bilbao Vizcaya Argentaria, S.a. · BME:BBVA
Banco Bilbao Vizcaya Argentaria — BoAML Digital Banking Revolution Conference 2015
23 slides from Banco Bilbao Vizcaya Argentaria's conference presentation, May 13, 2015
Slide 1: Digital Banking
Digital Banking Ricardo Forcano Head of Business Development Turkey, Mexico and South America BoAML Digital Banking Revolution Conference London, May 13th, 2015
Slide 2: Disclaimer
Disclaimer This document is only provided for information purposes and does not constitute, nor must 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 securities
Slide 3: Contents: The Digital Revolution
Contents 1 The Digital Revolution 2 BBVA’s Digital Strategy 3
Slide 4: Mobile Internet is Transforming Society
Mobile Internet is Transforming Society 4
Slide 5: Banking Industry Impacted by New Customer Expectations and Behaviors
Banking Industry Impacted by New Customer Expectations and Behaviors 5
Slide 6: Fintech Startups Disaggregating the Value Chain
Fintech Startups Disaggregating the Value Chain Personal Finances Investment and Wealth Management Lending Equity and Debt Financing Payments & Wholesale Markets Cryptocurrencies Personal advisory Bank Transactions Data and Services 6
Slide 7: And Achieving Exponential Growth
Dec-07 Jun-08 ($Bn) Dec-08 Source: Company Data Jun-09 Dec-09 Jun-10 Dec-10 Jun-11 Dec-11 Total Issued Loans Jun-12 Dec-12 Jun-13 Dec-13 Jun-14 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 5.0 Jun-11 Sep-11 ($Bn) Dec-11 Mar-12 Jun-12 Sep-12 Dec-12 And Achieving Exponential Growth Mar-13 Jun-13 Sep-13 Dec
Slide 8: Contents: BBVA's Digital Strategy
Contents 1 The Digital Revolution 2 BBVA’s Digital Strategy 8
Slide 9: Strategic Objectives
Strategic Objectives 1 Transforming our Current Business 2 Launching New Digital Ventures 9
Slide 10: Transforming Our Current Business
Transforming Our Current Business 10
Slide 11: Becoming Leaders in Customer Satisfaction
Customer Experience Becoming Leaders in Customer Satisfaction Mobile banking satisfaction BBVA Spain vs Peers 82.9% 78.4% 75.9% 70.9% #1 69.9% 63.1% BBVA Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Online banking satisfaction BBVA Spain vs Peers 80.8% 75.9% 73.6% 72.9% 71.8% #1 66.6% BBVA Peer 1 Peer 2 Peer
Slide 12: Growing our Digital Customer Base
Digital Sales Growing our Digital Customer Base Digital Active Customers Mobile Active Customers BBVA Group – Million BBVA Group – Million 15.0 8.0 CAGR ´11-´15 12.9 CAGR ´11-´15 +20% 6.4 +125% 7.1 0.5 Dec-2011 Mar-15 Goal 2015 Dec-2011 Mar-2015 Goal 2015 Penetration 18% 29% 32% Penetration 1% 14% 1
Slide 13: Generating Traffic through SEO, SEM
Digital Sales Generating Traffic through SEO, SEM Example: SEO Optimization BBVA Spain vs Peers 44% 40% 40% 35% 30% 26% 20% 21% 13% 14% 13% 10% 10% 8% 0% Oct Oct’14 Nov Nov’14 Dec Dec14 Jan Jan’15 Feb Feb’15 Mar Mar’15 Peers Note: The Visibility score reflects the progress of your websites in the or
Slide 14: Digital Effective in Generating Additional Sales
Digital Sales Digital Effective in Generating Additional Sales Example: Financing of Specific Card Payments BBVA Spain Number of Loans 12,000 Mobile 10,000 8,000 6,000 Web 4,000 Branch 2,000 ATM 0 Jan-14 Mar-14 May-14 Jul-14 Sep-14 Nov-14 Jan-15 Mar-15 14
Slide 15: Digital Effective in Generating Additional Sales
Digital Sales Digital Effective in Generating Additional Sales Example: % Sales of Consumer Loans through Digital Channels BBVA Chile Launch of Process 20% Improvements 17% 15% 11% 9% 10% 8% 8% 7% 5% 5% 3% 3% 3% 3% 2% 2% 2% 1% 0% 15
Slide 16: Servicing Optimization
Distribution Model Servicing Optimization Branch Activity Breakdown BBVA Spain % of Hours 38% Sales 45% Servicing 41% 37% Back office 21% 18% 2010 2014 16
Slide 17: Hub & Spoke Model
Distribution Model Hub & Spoke Model Less and larger branch clusters Number of Clusters % of Clusters with >5 branches BBVA Spain BBVA Spain 76% -27% 344 251 31% Dec-13 Dec-14 Dec-13 Dec-14 17
Slide 18: Remote Bankers Model
Distribution Model Remote Bankers Model Cross-Sale Success Remote Banking NPS Evolution BBVA USA – 2014 BBVA Spain – 2014 Base 100: 1Q12 +66% 25% 150 128 15% 100 Branch Advisor Remote Advisor Note: Cross-selling campaigns directed at digital customers. 18
Slide 19: New IT Platform
Infrastructure Development New IT Platform Front-office/ Call Branch Mobile Web Facebook ATM Channels center Middleware/ Services Customer Integrated Data Warehouse information Accounts balan- Clients Files ces/movements Contracts Core Workflow Product Product and Banking catalogue Advice processor
Slide 20: Strategic Objectives
Strategic Objectives 1 Transforming our Current Business 2 Launching New Digital Ventures 20
Slide 21: Launching New Digital Ventures
Launching New Digital Ventures Internal BBVA Digital Ventures Ventures M&A New independent businesses Leveraging BBVA’s assets and external talent 100% digital culture 21
Slide 22: Conclusions
Conclusions The banking industry is facing a structural transformation Banks need to transform their business to compete in the new environment BBVA has taken significant steps to accelerate its digital transformation: Focused organization to boost transformation and increase results Development of
Slide 23: Digital Banking
Digital Banking Ricardo Forcano Head of Business Development Turkey, Mexico and South America BoAML Digital Banking Revolution Conference London, May 13th, 2015
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