Banco Bilbao Vizcaya Argentaria, S.a. · BME:BBVA
Banco Bilbao Vizcaya Argentaria — Q4 2016 Earnings Presentation
36 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, Mar 1, 2017
Slide 1: BBVA Group Fourth Quarter 2016
BBVA Group Fourth Quarter 2016
Slide 2: Disclaimer
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 decision to buy or invest in securi
Slide 3: Index
3 Index 01 About BBVA 02 Vision and aspiration 03 BBVA transformation journey 04 Results’ highlights
Slide 4: 01. About BBVA
01 About BBVA 02 Vision and aspiration 03 BBVA Transformation Journey 04 Results’ highlights 01. About BBVA BBVA’s global presence History of BBVA Main figures BBVA share Organizational chart Our team Presence in social media Social commitment Awards and recognitions 4
Slide 5: BBVA's global presence
5 BBVA’s global presence 01 About BBVA 02 Vision and aspiration 03 BBVA Transformation North America USA Journey Mexico 04 Results’ highlights Europe Germany Belgium South America Spain Argentina France Asia - Pacific Bolivia Holland Australia Brasil Italy China Chile Luxembourg UAE Colombia Malta H
Slide 6: More than 150 years of history
6 More than 150 years of history 01 About BBVA BBVA is the result of the merger of two major Spanish banking institutions 02 Vision and aspiration 03 BBVA Transformation Journey 1988 1998 1999 04 Results’ highlights Banco de Bilbao Corporación Bancaria Banco Bilbao Vizcaya BBVA’s global presence de
Slide 7: More than 150 years of history
7 More than 150 years of history 01 About BBVA BBVA had significant growth since 1995 02 Vision and aspiration 1995 Banco Continental (Peru) 2005 Granahorrar (Colombia) 2012 Sale of Puerto Rico Probursa (Mexico) Hipotecaria Nacional (Mexico) Unnim Banc (Spain) 03 BBVA Transformation Journey 1996 Ban
Slide 8: 12M16 main figures
8 12M16 main figures 01 About BBVA 02 Vision and Earnings (€m) aspiration 03 BBVA Transformation 24,653 11,862 3,475 Journey Gross income Operating income Net attributable profit 04 Results’ highlights Balance sheet (€m) 731,856 52,821 430,474 401,465 Total assets Total equity Loans and advances to
Slide 9: BBVA share
9 BBVA share 01 About BBVA Listed on the main international BBVA’s capital ownership is well diversified 02 Vision and stock markets Shareholder breakdown aspiration Banks Non-resident 1.4% 03 BBVA Transformation 54.6% Institutions Journey LONDON 6.3% NEW MADRID Employees YORK 2.6% 04 Results’ highl
Slide 10: Organizational chart
10 Organizational chart 01 About BBVA GROUP EXECUTIVE CHAIRMAN Francisco González 02 Vision and CEO Carlos Torres Vila aspiration 03 BBVA Transformation EXECUTION & PERFORMANCE NEW CORE COMPETENCIES RISK & FINANCE STRATEGY & CONTROL Journey Global Economics Regulation Corporate & Investment Banking
Slide 11: Our team
11 Our team 01 About BBVA We are creating the kind of culture, environment and ways of working 02 Vision and where the customer is at the center of everything we do aspiration 03 BBVA Transformation The best team A first class workforce Journey Our people are the cornerstone of our Our most valuable
Slide 12: Presence in social media
12 Presence in social media 01 About BBVA BBVA’s commitment is to be where the people are, to listen and understand their needs and dreams. This is the reason that makes BBVA a cutting-edge entity in social 02 Vision and media aspiration 03 BBVA Transformation Number of BBVA’s social media profiles
Slide 13: Social commitment
13 Social commitment 01 About BBVA 02 Vision and Social Financial Literacy Knowledge aspiration Entrepreneurship 03 BBVA Transformation Journey 04 Results’ highlights Premio Fronteras del Conocimiento BBVA’s global presence History of BBVA Main figures BBVA share Highly committed to the societies In
Slide 14: Awards and recognitions
14 01 About BBVA 02 Vision and aspiration Awards and 03 BBVA Transformation Journey recognitions 04 Results’ highlights Once more, BBVA’s differentiated management has been recognized BBVA’s global presence History of BBVA Main figures BBVA share Organizational chart Our team Presence in social medi
Slide 15: 02. Vision and aspiration
01 About BBVA 02 Vision and aspiration 03 BBVA Transformation Journey 04 Results’ highlights 02. Vision and aspiration Vision of the financial industry Our aspiration 15
Slide 16: Reshaping of the financial industry
16 Reshaping of the financial industry 01 About BBVA 02 Vision and Regulatory pressure aspiration and the impact in Mobile has changed the New players are entering profitability distribution model the value chain 03 BBVA Transformation Journey Banks ROE Evolution1 (%) World mobile banking users2 04
Slide 17: Shifting customers and needs
17 Shifting customers and needs 01 About BBVA 02 Vision and aspiration Permanently connected 03 BBVA Transformation Banking anytime, anywhere Journey 04 Results’ highlights Used to digital experiences Expect proactive and personalized help in their finance management Interaction with multiple device
Slide 18: Technology and data as enablers
18 Technology and data as enablers 01 About BBVA The client will be the main beneficiary in this new environment 02 Vision and as financial services become democratized aspiration 03 BBVA Transformation Journey 04 Results’ highlights Better experience More Artificial Data Cloud Biometrics efficiency
Slide 19: Our aspiration
19 Our aspiration 01 About BBVA 02 Vision and aspiration Through an easy and convenient Helping our customers to make 03 BBVA Transformation experience: DIY through digital the best financial decisions Journey channels or human interaction offering relevant advice 04 Results’ highlights Strengthenin
Slide 20: 03. BBVA's Transformation Journey
01 About BBVA 02 Vision and aspiration 03 BBVA Transformation Journey 04 Results’ highlights 03. BBVA´s Transformation Journey Our purpose Strategic priorities Progressing in our transformation 20
Slide 21: Our Purpose
21 Our Purpose 01 About BBVA 02 Vision and aspiration Aligned with our vision of To bring the future 03 BBVA Transformation Journey the age Helping customers to achieve their life goals 04 Results’ highlights of opportunity to everyone Having a true impact on people’s lives and businesses Our purpos
Slide 22: Strategic Priorities
22 Strategic Priorities 01 About BBVA To help us in this journey, we have defined six strategic priorities at a Group level 02 Vision and aspiration 03 BBVA Transformation 1 2 3 Journey New standard in New business Drive digital sales 04 Results’ highlights customer experience models 4 Optimize capi
Slide 23: Progress in our Transformation
23 Progress in our Transformation 01 About BBVA 2016: New solutions and capabilities in the hands of our customers 02 Vision and aspiration 03 BBVA Transformation Journey Relationship Model Products & functionalities 04 Results’ highlights Remote Managers BBVA Valora (Spain) Francés Go (Spain, Turke
Slide 24: Best customer experience
24 Best customer experience 01 About BBVA Our goal is to be leaders in customer satisfaction 02 Vision and across our global footprint aspiration 03 BBVA Transformation Geographies where we are leaders Journey NPS (Net Promoter Score) 04 Results’ highlights Dec16 Rnk #1 Spain #1 Channel Ranking(1) N
Slide 25: Driving Digital Sales
25 Driving Digital Sales 01 About BBVA We are promoting our digital offer so that customers 02 Vision and choose the most convenient channel aspiration 03 BBVA Transformation Journey BBVA Group Digital Sales (% of total sales YtD, # of transactions) Digital Customers Mobile Customers 04 Results’ hig
Slide 26: New business models
26 New business models 01 About BBVA Leveraging the fintech ecosystem to develop 02 Vision and our value proposition aspiration 03 BBVA Transformation Journey INVESTMENTS Open Platform ACQUISITIONS (venture capital*) Enable new developments combining 04 Results’ highlights BBVA’s APIs, client’s tech
Slide 27: Leveraging technology
27 Leveraging technology 01 About BBVA In 2007 we began our transformation process 02 Vision and aspiration We have been working on our platforms And we are adapting to the 03 BBVA Transformation Journey new paradigms of Front-Office / Channels development 04 Results’ highlights Platform Branch Mobi
Slide 28: Cultural change
28 Cultural change 01 About BBVA We are transforming the organization internally 02 Vision and by fostering a new culture aspiration 03 BBVA Transformation Journey 04 Results’ highlights New ways of Collaborative working: culture, Agile, collaborative entrepreneurship tools (‘trial - error’) Zero to
Slide 29: Accelerating our transformation
29 01 About BBVA 02 Vision and aspiration 03 BBVA Transformation At BBVA, we are Journey accelerating our 04 Results’ highlights transformation process to become the best bank for our customers Our purpose Strategic priorities Progressing in our transformation
Slide 30: 04. Results' highlights
01 About BBVA 02 Vision and aspiration 03 BBVA Transformation Journey 04 Results’ highlights 04. Results’ highlights Highlights Business areas 4Q16 30
Slide 31: Highlights
31 Highlights 01 About BBVA NET ATTRIBUTABLE PROFIT 12M16 Ex-corporate operations 4Q16 02 Vision and +31.5% 12M15 -7.4% 12M15 -27.9% vs. 4Q15 aspiration 3,475€M +61.2% constant € +6.4% constant € 678€M -18.2% constant € 03 BBVA Transformation NII positive performance / Positive jaws due to cost cont
Slide 32: 12M16 highlights
32 12M16 highlights 01 About BBVA Change 12M16/12M15 02 Vision and aspiration BBVA Group (€M) 12M16 % % constant Net Interest Income 17,059 3.9 14.9 03 BBVA Transformation Net Fees and Commissions 4,718 0.3 8.5 Journey Net Trading Income 2,132 6.1 16.2 Other Income & Expenses 744 37.6 36.7 04 Result
Slide 33: Business areas – 12M16 results
33 Business areas – 12M16 results 01 About BBVA Spain Banking activity 02 Vision and Net attributable profit NPL ratio Weaker revenues due to environment aspiration 912 €M 5.8% Good evolution in costs and impairments. CX cost synergies initial impact in 4Q 03 BBVA Transformation Journey - 16.0% vs.
Slide 34: Business areas – 12M16 results
34 Business areas – 12M16 results 01 About BBVA Turkey constant € 02 Vision and Net attributable profit1 NPL ratio NII growth due to price management and activity aspiration 599 €M 2.7% 2016 costs in line with inflation Focus on profitable growth, driven mainly by business banking loans Coverage rat
Slide 35: Business areas – 12M16 results
35 Business areas – 12M16 results 01 About BBVA 02 Vision and Business activity Client’s revenue Results aspiration (constant €, % YTD) (constant €, % YoY) (constant €, % YoY) 03 BBVA Transformation Lending (net) 2,460 €M +8% Gross margin Journey 58 €Bn +1.7% 2,680 €M +1.6% 04 Results’ highlights Wh
Slide 36: BBVA Group Fourth Quarter 2016
BBVA Group Fourth Quarter 2016
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) — Q4 2016 Earnings Presentation on 6ix