Banco Bilbao Vizcaya Argentaria, S.a. · BME:BBVA
Banco Bilbao Vizcaya Argentaria — Q1 2019 Earnings Presentation
24 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, Apr 29, 2019
Slide 1: Creating Opportunities - Group BBVA
Creating Opportunities Group BBVA 1019
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 decisio
Slide 3: To bring the age of opportunity to everyone
BBVA Corporate Presentation 3 OUR PURPOSE To bring the age of opportunity to everyone BBVA’S GLOBAL PRESENCE FINANCIAL HIGHLIGHTS MARCH 2019 MARCH 2019 Loans and advances Deposits Total assets to customers - gross from customers 691,200 393,321 378,527 Net attributable profit 1Q19 NPL ratio Coverage
Slide 4: BBVA Purpose
BVA Purpose Creating Opportunities
Slide 5: We are BBVA. We create opportunities
BBVA Corporate Presentation 5 BBVA PURPOSE We are BBVA. We create opportunities OUR PURPOSE SIX STRATEGIC PRIORITIES To bring the age New standard in customer experience of opportunity Digital sales to everyone New business models Optimize capital allocation Unrivaled efficiency A first class workfo
Slide 6: New value proposition
BBVA Corporate Presentation 6 BBVA PURPOSE New value proposition Based on our customers’ real needs Helping our customers Providing the best Through an easy and to make the best financial solutions convenient experience decisions offering relevant that generate trust for our DIY through digital advi
Slide 7: Our Values
BBVA Corporate Presentation 7 BBVA PURPOSE Our Values Customer comes first We think big We are one team We are empathetic We are ambitious I am committed We have integrity We break the mold I trust others We meet their needs We amaze our customers I am BBVA
Slide 8: 1Q19 Results
1019 Results Creating Opportunities
Slide 9: Strong results in a challenging environment
BBVA Corporate Presentation 9 1Q19 RESULTS Strong results in a challenging environment NET ATTRIBUTABLE PROFIT (M€) Core revenue growth 1,787 Outstanding operating income 633 1,290 1,245 BBVA and efficiency Chile sale 1,164 1,001 Sound risk indicators Resilient capital position Focus on shareholder
Slide 10: 1Q19 Profit & Loss
BBVA Corporate Presentation 10 1Q19 RESULTS 1Q19 Profit & Loss Change 1Q19/1Q18 BBVA Group (€m) 1Q19 % % constant Net Interest Income 4,420 5.8 9.5 Net Fees and Commissions 1,214 -0.6 2.6 Net Trading Income 426 8.7 13.5 Other Income & Expenses 8 -90.8 -89.6 Gross Income 6,069 3.3 7.0 Operating Expen
Slide 11: Positive operating jaws and efficiency improvement
BBVA Corporate Presentation 11 1Q19 RESULTS Positive operating jaws and efficiency improvement GROUP OPERATING JAWS EFFICIENCY RATIO (YoY (%); (€ constant)) (%; € constant) 65.4% INFLATION 6.1% Average 12m 8.0% 50.1% 49.3% -118 bps 3.7% 48.1% Core Operating 12M17 12M18 3M19 European Revenues expense
Slide 12: Outstanding trend in digital sales across the board
BBVA Corporate Presentation 12 1Q19 RESULTS Outstanding trend in digital sales across the board (% of total sales YtD, # of transactions and PRV*) GROUP SPAIN USA 56.8 UNITS 47.7 48.0 42.6 UNITS 27.4 UNITS PRV 20.7 28.0 42.6 PRV 24.1 41.3 PRV 33.1 16.1 24.2 31.9 17.2 18.0 16.9 12.3 Mar-17 Mar-18 Mar
Slide 13: Growing in digital and mobile customers, leading to an outstanding trend in digital sales
BBVA Corporate Presentation 13 1Q19 RESULTS Growing in digital and mobile customers, leading to an outstanding trend in digital sales DIGITAL CUSTOMERS MOBILE CUSTOMERS DIGITAL SALES (Mn, % growth) (Mn, % growth) (% of total sales YtD, # of transactions and PRV*) +28% +17% +47% +25% 24.4 48 57 28.4
Slide 14: Differentiating through digital
BBVA Corporate Presentation 14 1Q19 RESULTS Differentiating through digital AVAILABILITY OF PRODUCTS SOLUTIONS PROVIDED BY OUR APP THROUGH APP SALES SERVICE ADVICE 83% Peer 1 65% Peer 2 64% Peer 3 62% Peer 4 60% Peer 5 50% Peer 6 49% Peer 7 35% Peer 8 34% Source: Management Solutions report – Mobile
Slide 15: New business models
BBVA Corporate Presentation 15 1Q19 RESULTS New business models Leveraging the FinTech ecosystem to develop our value proposition ACQUISITIONS/ VENTURE INVESTMENTS CREATION Minority stake 39% stake VENTURE CAPITAL INVESTMENTS
Slide 16: Business Areas
1Q19 Results Business Areas
Slide 17: Unique footprint with high growth prospects
BBVA Corporate Presentation 17 1Q19 RESULTS - BUSINESS AREAS Unique footprint with high growth prospects BREAKDOWN BY BUSINESS AREA HIGHER GROWTH PROSPECTS TOTAL ASSETS1 GDP growth (YoY, %) BBVA Footprint Eurozone + UK Mar.19 South Rest of Eurasia 2.3 America 3% 8% 1.6 1.3 Turkey 67% 1.1 10% Develop
Slide 18: Business Areas: Spain, USA, Mexico
BBVA Corporate Presentation 18 1Q19 RESULTS - BUSINESS AREAS Business Areas Spain USA € constants Mexico € constants NET ATTRIBUTABLE PROFIT (1Q19) NET ATTRIBUTABLE PROFIT (1Q19) NET ATTRIBUTABLE PROFIT (1Q19) 345 €m -14.7% vs. 1Q18 127 €m -39.8% vs. 1Q18 627 €m +4.7% vs. 1Q18 NPL RATIO COVERAGE RAT
Slide 19: Business Areas: Turkey, South America
BBVA Corporate Presentation 19 1Q19 RESULTS - BUSINESS AREAS Business Areas Turkey € constants South America € constants NET ATTRIBUTABLE PROFIT (1Q19) NET ATTRIBUTABLE PROFIT1 (1Q19) 142 €m -7.7% vs. 1Q18 193 €m +86.5% vs. 1Q18 NPL RATIO COVERAGE RATIO NPL RATIO 5.75% 77.6% 5.76% 4.00% 2.19% vs. 3.
Slide 20: CIB – 1Q19 Results
BBVA Corporate Presentation 20 1Q19 RESULTS - BUSINESS AREAS CIB – 1Q19 Results BUSINESS ACTIVITY CLIENT’S REVENUE RESULTS (constant €, % YtD) (constant €, % YoY) (constant €, % YoY) GROSS INCOME 667 €m LENDING +5% 60 €bn +2.5% 737 €m -0.9% OPERATING INCOME Wholesale banking 475 €m -1.6% 90% CUSTOME
Slide 21: Annex
Annex
Slide 22: BBVA had significant growth since 1995
BBVA Corporate Presentation 22 ANNEX BBVA had significant growth since 1995 More than 160 years of history 1995 Banco Continental (Peru) 2005 Granahorrar (Colombia) 2014 Simple (USA) Probursa (México) Hipotecaria Nacional (Mexico) 2015 Sale of CIFH’s stake to CNCB (China) 2006 Texas Regional Bancsha
Slide 23: Organizational chart
BBVA Corporate Presentation 23 ANNEX Organizational chart GROUP EXECUTIVE CHAIRMAN Chief Executive Officer Carlos Torres Vila Onur Genç BUSINESS UNITS GLOBAL FUNCTIONS TRANSFORMATION STRATEGY LEGAL AND CONTROL Global Economics & Public Corporate & Investment Banking Client Solutions Engineering & Or
Slide 24: BBVA
BBVA
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