Banco Bilbao Vizcaya Argentaria, S.a. · BME:BBVA
Banco Bilbao Vizcaya Argentaria — Q3 2017 Earnings Presentation
35 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, Nov 1, 2017
Slide 1: BBVA Group Third Quarter 2017
BBVA Group Third Quarter 2017 ln >» '
Slide 2: Disclaimer
BBVA seers 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 decision to buy or invest
Slide 3: Index
BBVA 3°. Index O1 About BBVA O02 Vision and aspiration O3 BBVA transformation journey 04 Results’ highlights
Slide 4: 01. About BBVA
BBVA 01 About BBVA 04 Results’ highlights 01. About BBVA BVA Bancomer
Slide 5: BBVA's global presence
BBVA’s global presence About BBVA 02 Vision and Pe 0 aspiration 03 BBVA North America ou transformation ee ° journey 04 Results’ highlights Europe Belgium Cyprus South America France Argentina Finland Bolivia Germany Brazil ° Holland Chile Italy Colombia Ireland Paraguay Luxembourg : Peru Malta BBVA
Slide 6: Bco. Exterior Bco. Hipotecario
Bco. Exterior Bco. Hipotecario
Slide 7: History of BBVA
BBVA About BBVA 02 Vision and aspiration 03 BBVA transformation journey O04 Results’ highlights History of BBVA More than 150 years of history BBVA had significant growth since 1995 1995 1996 1997 1998 1999 2000 2004 Banco Continental (Peru) Probursa (México) Banco Ganadero (Colombia) Bancos Cremian
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Slide 9: Shareholders
57.2% 42.8% #shareholders For more information click here
Slide 10: Organization structure
Global Economics Regulation Corporate & Investment Banking Customer Solutions2 Finance & Public Affairs Global Risk Legal & Compliance Country Monitoring1 Talent & Culture Management Spain Strategy & M&A Engineering Accounting & Supervisors Mexico Data Communications USA General Secretary Turkey Int
Slide 11: Our team
BBVA BBVA | Our team 1 About BBVA 02 Vision and aspiration 03 BBVA transformation journey 04 Results’ highlights Our team We are creating a culture, environment and ways of working where the customer is at the center of everything we do The best team Our team is the cornerstone of our transformation
Slide 12: Presence in social media
BBVA . . . - Presence in social media 1 About BBVA BBVA's commitment is to be where the people are, to listen and understand their 02 Vision and needs and dreams. This is the reason that makes BBVA a cutting-edge entity in aspiration social media 03 BBVA transformation Number of BBVA’s social media
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Slide 14: Social Impact in 2016
BBVA Social Impact in 2016 1 About BBVA 02 Vision and Wealth Generation aspiration 03 BBVA A 4.240 transformation suppliers journey who invoiced7,751€m. 04 Results’ highlights 9,440 €m of accrued taxes collected by BBVA's activity mn & 24,692 €m economic value generated in 2016 Representing 0.5% of
Slide 15: Awards and recognitions
BBVA Awards and recognitions Once more, BBVA's differentiated management has been recognized 02 Vision and aspiration 03 BBVA transformation @ GLOBAL BANKING & journey Finance review ‘www. masfamilia.org 04 Results’ highlights FORRESTER’ | app sow #1 mobile banking Europe FORRESTER Awards and recogn
Slide 16: 02. Vision and aspiration
02. Vision and aspiration ae “a
Slide 17: Vision of the financial industry
BBVA 01 About BBVA 02 Vision and aspiration 03 BBVA transformation journey 04 Results’ highlights Vision of the financial industry Reshape of the financial industry Regulatory pressure and the impact in profitability Banks ROE Evolution! (%) 2011 2012 2013 2014 2015 2016 New players are Transforming
Slide 18: Shifting customers and needs
18 Shifting customers and needs 01 About BBVA 02 Vision and aspiration ‘4 6Shifting customers and needs 03 BBVA Banking anytime, anywhere transformation journey 04 Results’ highlights oo . « Used to digital experiences Expect proactive and personalized help in their finance management 4 Interaction
Slide 19: Our aspiration
BBVA sas Our aspiration 01 About BBVA e aa Helping our customers to make the best financial decisions offering relevant advice 02 Vision and aspiration fy] Through an easy and convenient experience: DIY through digital 03 BBVA channels or human interaction transformation journey O04 Results’ highlig
Slide 20: 03. BBVA's Transformation Journey
BBVA O01 About BBVA d nN 03 BBVA transformation journey 04 Results’ highlights 03. B BVA’ Ss Transformation Journey
Slide 21: To bring the age of opportunity to everyone
To bring the age of opportunity to everyone
Slide 22: Our Values
BBVA ME Our Values 01 About BBVA 02 Vision and aspiration 03 BBVA transformation journey 04 Results’ highlights Customer comes first We think big We are one team G3 Weare empathetic Weare ambitious @ |amcommitted Q Wehave integrity ® We break the mold 49 | trust others @ Wemeet their needs ® Weamaze
Slide 23: Progress in our Transformation
About BBVA Vision and aspiration Results’ highlights Progress in our Transformation Bconomy New app design Insurance one-click Saving goals ATM's cash withdrawals theft micro insurance Collective Savings Tandapp Money Deposit with QR Tuyyo Integrated CRM Commercial Segment Transportation Card online
Slide 24: Digital Sales
Digital Sales 01 About BBVA Digital Sales O02 Vision and (% of total sales YtD, # of transactions) aoranon Q SPAIN QMEXICO =O USA QO S.AMERICA Q TURKEY 03 BBVA - transformation 26.5 23.. 32.8 318 r 74 18.3 19.4 25.2 journey _ ng Bay 2 O04 Results’ highlights Dec Sep Dec. Sep. Dec. Sep. Dec. Sep. Dec
Slide 25: New business models
BBVA . BBVA | New business models 01 About BBVA Acquisitions Investments (venture capital” 02 Vision and aspiration O 4 Atom @ coinbase Pp taulia PROSPERP 7" earnest Howvr: 29.5% stake Civic CAPAL INSIKT . / Hixme ‘@) SIMPLE Q@penpay Doon. ippo Ooreve 04 Results’ highlights =prvemorors @ Guideline —
Slide 26: Leveraging technology
Leveraging technology O1 About BBVA In 2007 we began our transformation process 02 Vision and aspiration We have been working onour And now we are adapting to 03 BBVA platforms the new paradigms of transformation development journey é5 ke O04 Results’ highlights ronestics 7 tanne* technology at a mi
Slide 27: Cultural change
Cultural change 01 About BBVA 02 Vision and . + aspiration « Zero tolerance against low quality 03 BBVA transformation ry New ways of working: journey + . : Agile, collaborative tools O04 Results’ highlights a New headquarters 4 Collaborative culture, entrepreneurship (‘trial - error’) @ Leaner stru
Slide 28: At BBVA, we are accelerating our transformation process
28 At BBVA, we are accelerating our transformation process to become the best bank for our customers
Slide 29: 04. Results' highlights
04 Results’ highlights 04. Results’ highlights
Slide 30: 9M17 Highlights
BBVA 9M17 Highlights 01 About BBVA NET ATTRIBUTABLE PROFIT Earnings growth supported by core revenues 02 wson ans +23, 3% Transformation leading to efficiency gains aspiration 3 AA9 £) Good evolution of CoR 03 BRVA ' mM +28.7% Strong capital generation transformation journey GROSS INCOME OPERATING I
Slide 31: Highlights: Profit & Loss
BBVA 01 About BBVA 02 Vision and aspiration 03 BBVA transformation journey 04 Results’ highlights Highlights Profit & Loss Change 9M17/9M16 BBVA Group (€m) 9M17 % % constant Net Interest Income 13,202 4.2 9.5 Net Fees and Commissions 3,705 42 8.4 Net Trading Income 1,416 -19.2 -13.3 Other Income & E
Slide 32: Business areas
BBVA 622°"... . Business areas About S5V/\ SPAIN Banking activity Vision and NET ATTRIBUTABLE PROFIT (9M17) = NPLRATIO Flat Nil qoq despite seasonality, supported by Global aspiration % | 5 Markets. ] 0 6] €m 5.6 Do 59% 3Q16 Good trend in fees, despite seasonality BBVA COVERAGE RATIO Cost and impair
Slide 33: Business areas
BBVA 622°"... . Business areas About BBVA Vision and aspiration BBVA transformation journey MEXICO constant € NET ATTRIBUTABLE PROFIT (9M17) NPLRATIO 1,616 €m 2.3% vs. 2.5% 3Q16 COVERAGE RATIO +15.3% vs. ome 126% vs. 122% 3Q16 TURKEY constant € NET ATTRIBUTABLE PROFIT (9M17) NPLRATIO 568 £m 2.5% vs.
Slide 34: CIB - 9M17 Results
BBVA CIB - 9M17 Results 01 About BBVA Business activity Client's revenue 02 Vision and aspiration (constant€, % YTD) (constant€, % YoY) (constant€, % YoY) 03 BBVA + epoca) GROSS MARGIN transformation PENDING (Gross) ] 872 €m +2.0% 2 072 €m +6, 8% journey 52 €bn 2.9% ‘ “” 04 Results’ highlights banki
Slide 35: BBVA Group Third Quarter 2017
BBVA Group Third Quarter 2017 ln >» '
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) — Q3 2017 Earnings Presentation on 6ix