Banco Bilbao Vizcaya Argentaria, S.a. · BME:BBVA

Banco Bilbao Vizcaya Argentaria — BBVA — Shareholder Meeting (March 2023)

13 slides from Banco Bilbao Vizcaya Argentaria's shareholder meeting presentation, Mar 1, 2023

  1. Slide 1: BBVA Annual General Meeting 2023 - Onur Genç, CEO

    BBVA Annual Genera Meeting 2023 HTT 1 aN NINA Onur Geng CEO MMO

  2. Slide 2: Excellent net attributable profit

    2 Excellent net attributable profit RECURRENT NET ATTRIBUTABLE PROFIT1 (CURRENT €BILLION) 6,621€M 4.8 5.16,420€M INCLUDING 4.6 4.6 NON-RECURRENT 3.9 3.8 IMPACTS 3.2 3.1 PROFIT 2.6 ATTRIBUTABLE PER SHARE +31% +48% vs. 2021 vs. 2021 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 (1) Recurrent Net At

  3. Slide 3: Leading the European industry in growth, profitability and efficiency

    3 Leading the European industry in growth, profitability and efficiency GROWTH1 PROFITABILITY2 EFFICIENCY (ANNUAL GROWTH OF GROSS LOANS) (RETURN OVER TANGIBLE EQUITY) (EXPENSES / GROSS INCOME) EUROPEAN EUROPEAN EUROPEAN PEERS3 PEERS3 PEERS3 +13.3% +1.0% 15.3% 7.4% 43.2% 63.2% RANKING RANKING RANKING (

  4. Slide 4: While maintaining a prudent risk management

    4 While maintaining a prudent risk management NPL RATIO (%) NPL COVERAGE RATIO (%) COST OF RISK (YTD, %) 2019 2020 2021 2022 NOTE: For comparison purposes, data from 2019, 2020 and 2021 excludes the US business sold to PNC.

  5. Slide 5: Outstanding performance in all business areas

    5 Outstanding performance in all business areas ATTRIBUTABLE PROFIT CUSTOMERS NET PROFIT (€M) VAR.% vs. 20211 NEW CUSTOMERS (Thousands) SPAIN 1,678 +8% +786 MEXICO 4,182 +45% +4,911 TURKEY 509 n.a.2 +3,060 SOUTH AMERICA 734 +80% +2,407 (1) Variation in constant Euros. (2) Does not apply due to hyper

  6. Slide 6: Extraordinary position towards the future thanks to our strengths

    6 Extraordinary position towards the future thanks to our strengths Leading Strong Leadership in Trend-setters The best team franchises capital digitalization in position and innovation sustainability

  7. Slide 7: Leading franchises in attractive markets

    7 Leading franchises in attractive markets LOAN MARKET Minimum scale ROE Above peer average SHARE required (RETURN OVER EQUITY) SPAIN 13.5% 13.2% MEXICO 24.4% 24.5% TURKEY1 17.6% 51.1% COLOMBIA 10.9% 18.1% PERU 20.3% 18.2% Note: Market share data as of December 2022 and ROE as of 12M22. Loan market

  8. Slide 8: Maintaining a solid capital position

    8 Maintaining a solid capital position CAPITAL RATIO SIGNIFICANTLY CAPITAL QUALITY ABOVE REQUIREMENT (DENSITY OF RISK WEIGHTED ASSETS / TOTAL ASSETS) CET1 FL 12.61 % 47% EUROPEAN PEERS 29% 8.63% requirement Note: European Peer Group: BNPP, CASA, CMZ, HSBC, ISP, LBG, SAN, SG, UBS, UCG, CS, DB, NWG, B

  9. Slide 9: Leadership in digitalization and innovation, taking advantage of globality

    9 Leadership in digitalization and innovation, taking advantage of globality MOBILE CUSTOMERS DIGITAL SALES GLOBAL RETAIL MOBILE (MILLIONS OF CUSTOMERS) (%, UNITS) APP (GLOMO) 47.4 78% 80% Design and Software Reusability 40% 18.0 TOP 3 in 12 Apps out of 14 in the App market 2017 2022 2017 2022

  10. Slide 10: We are strongly growing our sustainable business

    10 We are strongly growing our sustainable business EVOLUTION OF ACCUMULATED SUSTAINABLE BUSINESS (€Bn; SINCE 2018) Developing sustainable products and advising our NEW TARGET clients (2022) 300€Bn 136 €Bn REVISED TARGET Channeled (2021) since 2018 200€Bn INITIAL TARGET 100€Bn 2018 2019 2020 2021 20

  11. Slide 11: The best and most engaged team

    11 The best and most engaged team EMPLOYEE ENGAGEMENT SURVEY BUILDING KEY STRATEGIC CAPABILITIES 4.37 4.26 4.25 43.7 learning employee hours per 4.11 4.02 16,000 software developers 2018 2019 2020 2021 2022

  12. Slide 12: On track to achieve our ambitious long term goals

    12 On track to achieve our ambitious long term goals COST-TO-INCOME ROTE1 TBV / SHARE + DIVIDENDS (%) (%) (YoY %) 2021-24 CAGR 2021 2022 2024 2021 2022 2024 2021 2022 2024 NEW TARGET CUSTOMERS2 SUSTAINABLE BUSINESS (MILLION CUMULATIVE) (€ Bn, CUMULATIVE SINCE 2018) 2021 2022 2024 2021 2022 …2025 (1)

  13. Slide 13: BBVA Annual General Meeting 2023 - Onur Genç, CEO

    BBVA Annual Genera Meeting 2023 HTT 1 aN NINA Onur Geng CEO MMO

BBVA — Shareholder Meeting (March 2023) on 6ix