20 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, September 2023
Slide 1: BBVA Group 2Q23 Creating Opportunities
BBVA Group 2Q23 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 JUNE 2023 JUNE 2023 Net attributable profit 6M23 CET 1 FL 3,878 M€ 12.99% Total assets Deposits from customers OUR PURPOSE 762,456 M€ 402,344 M€ Countries Branches Employees Active Customers To bring the age of o
Slide 4: About BBVA: Purpose, priorities and 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 JUN-23 Rest of Business South America 7% Turkey 9% Spain SPAIN # 3 13.6% 56% 8% Mexico MEXICO # 1 24.7% 20% TURKEY # 2 18.5% G
Slide 6: 2Q23 key messages
BBVA Corporate Presentation | 6 | 2Q23 key messages 1 OUTSTANDING CORE REVENUES CORE REVENUES (NII+FEES) TOTAL LOAN GROWTH1 AND SOLID ACTIVITY GROWTH +31.2% vs. 2Q22 +8.4% vs. JUN 2022 2 EFFICIENCY RATIO LEADING AND IMPROVING EFFICIENCY WITH POSITIVE JAWS 42.0% 6M23 -468 BPS. vs. 6M22 3 ASSET QUALIT
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 65% TOTAL 11% DIGITAL 6M18 6M19 6M20 6M21 6M22 6M23 (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 (YOY, CONSTANT €) +8.4 % INCLUSIVE GROWTH FINANCING 70,000 FAMILIES BOUGHT 263,000 SMEs AND SELF - 70,000 LARGER CORPORATES 7.4 €Bn MOBILIZED IN 6M23 THEIR HOME2 EMPLOYED BOOSTED INVESTED IN GROWTH3 THEIR BUSINESS2 (
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) (2022) YoY €19 Bn BY CLIENT growth 300 €Bn channeled in 2Q23 €33Bn +30% €169 Bn Channeled since 2018 Revised target (2021) €26Bn €5.1Bn Retail +78% Channeled since 2018 €2.9Bn
Slide 10: 2Q23 Results
Creating Opportunities 2Q23 Results
Slide 11: 2Q23 Profit & Loss
BBVA Corporate Presentation | 11 | 2Q23 Profit & Loss Change Change 2Q23/2Q22 2Q23/1Q23 BBVA Group (€M) 2Q23 % constant % % constant % Net Interest Income 5,768 37.5 25.5 9.4 2.2 Net Fees and Commissions 1,470 11.2 4.1 7.9 2.1 Net Trading Income 334 -12.5 -35.2 3.2 -23.7 1 Other Income & Expenses -38
Slide 12: Business Areas: Spain and Mexico
BBVA Corporate Presentation | 12 | Business Areas SPAIN MEXICO (€M 6M23. CHANGE IN % vs. 6M22) (CONSTANT €M 6M23. CHANGE IN % vs. 6M22) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 2,113 €M 1,231 €M 4,717 €M 2,614 €M 6M23 vs. 6M22 6M23 vs. 6M22 Net Interest Incom
Slide 13: Business Areas: Turkey and South America
BBVA Corporate Presentation | 13 | Business Areas TURKEY SOUTH AMERICA (€M 6M23. CHANGE IN % vs. 6M22) (CONSTANT €M 6M23. CHANGE IN % vs. 6M22) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 888 €M 525 €M 1,332 €M 367 €M 6M23 vs. 6M22 Net Attributable Profit 6M23 vs
Slide 14: Business Areas: Corporate & Investment Banking
BBVA Corporate Presentation | 14 | Business Areas OTHER INFORMATION: CORPORATE & INVESTMENT BANKING (CONSTANT €M 6M23. CHANGE IN % vs. 6M22) BUSINESS ACTIVITY CLIENT’S REVENUE RESULTS GROSS INCOME LENDING 2,277 €M +34% 2,523 €M +36.9% 76 €Bn +7.1% OPERATING INCOME Wholesale banking 1.916 €M +43.6% C
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 Delivering exceptional value creation for all our stakeholders: shareholders, clients, employees and society at large Significant
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 160 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 (Jun.23)
BBVA Corporate Presentation | 18 | BBVA’s shareholders structure (Jun.23) # BBVA SHARES # SHAREHOLDERS 5,965 BN 778,810 Shareholders Shares NUMBER OF SHARES Amount % Amount % Up to 500 323,964 41.6 60,703,923 1.0 501 to 5,000 355,729 45.7 632,576,417 10.6 5,001 to 10,000 53,127 6.8 373,028,716 6.3 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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