24 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, Feb 1, 2023
Slide 1: BBVA Group: Creating Opportunities 2022
Creating Opportunities 2022
Slide 2: Disclaimer
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 securiti
Slide 3: About BBVA
BBVA Corporate Presentation 3 About BBVA BBVA’s GLOBAL PRESENCE FINANCIAL HIGHLIGHTS DECEMBER 2022 DECEMBER 2022 Net attributable profit 12M22 CET 1 FL 6,420 M€ 12.61% Total assets 713,140 M€ Loans and advances to Deposits from customers - gross customers Countries Branches Employees Customers >25 6,
Slide 4: To bring the age of opportunity to everyone
BBVA Corporate Presentation 4 About BBVA To bring the age of opportunity to everyone Improving our clients’ Helping our clients transition financial health towards a sustainable future Reaching more clients Driving operational excellence The best and most Data and Technology engaged team Customer We
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 TOTAL ASSETS1 DEC-22 Rest of Business 7% South America 8% SPAIN #3 13.3% Turkey Spain 9% 57% MEXICO #1 24.4% Mexico 19% GROSS INCOME1 12M22 TURKE
Slide 6: 2022: outstanding year of growth
BBVA Corporate Presentation 6 2022: outstanding year of growth CUSTOMERS ACQUIRED DIGITAL SALES1 SUSTAINABLE BUSINESS CONTINUED PROGRESS IN THE EXECUTION OF OUR STRATEGY +11 million 78% € 50 billion NET ATTRIBUTABLE PROFIT EPS GROWTH HIGHEST RESULTS EVER (RECURRENT) (RECURRENT) € 6.6 billion + 31% v
Slide 7: Setting a record with more than 11 million new customers
BBVA Corporate Presentation 7 Setting a record with more than 11 million new customers NEW CUSTOMERS1 (BBVA GROUP, MILLION; % ACQUISITION THROUGH DIGITAL CHANNELS) DIGITAL 55% TOTAL NEW CUSTOMERS CUSTOMER ACQUISITION THROUGH DIGITAL 7% CHANNELS 2017 2018 2019 2020 2021 2022 (1) Gross customer acquis
Slide 8: Growing and delivering extraordinary customer service driven by digital
BBVA Corporate Presentation 8 Growing and delivering extraordinary customer service driven by digital DIGITAL ENGAGEMENT HIGHER CLIENT SATISFACTION MOBILE CUSTOMERS (MILLION CUSTOMERS) 47.4 NPS2 LEADERSHIP POSITION IN ALL COUNTRIES +19% 18.0 vs. 2021 #1 #1 2017 2022 #2 #2 #2 #2 #2 DIGITAL SALES (%,
Slide 9: Strong increase in our sustainable business, exceeding our initial expectations
BBVA Corporate Presentation 9 Strong increase in our sustainable business, exceeding our initial expectations COMMITMENT IN PORTFOLIO ALIGNMENT SUSTAINABLE BUSINESS ANNUAL GROWTH (CLIMATE CHANGE AND INCLUSIVE GROWTH) 2030 decarbonization goals set in selected CO2 intensive industries €136 Bn REDUCTI
Slide 10: Advancing in our commitment towards society
BBVA Corporate Presentation 10 Advancing in our commitment towards society FINANCING CHANNELED DURING 2022 COMMITMENT WITH SOCIETY FOR INCLUSIVE GROWTH 2025 COMMITMENT WITH SOCIETY (€M) GOAL 9.4CHANNELED € BN 550 450 PEOPLE BENEFITTED 3,968 M€ 1,671 M€ 2021-2022 62 MILL. Channeled to Channeled in bo
Slide 11: 2022 Results
Creating Opportunities 2022 Results
Slide 12: Highest annual Net Attributable Profit ever
BBVA Corporate Presentation 12 Highest annual Net Attributable Profit ever RECURRENT NET ATTRIBUTABLE PROFIT1 (CURRENT €M) +48% vs. 2021 6,621 +31% EARNINGS PER SHARE vs. 2021 (RECURRENT)2 5,069 4,830 4,642 4,627 3,084 2017 2018 2019 2020 2021 2022 Reported NAP (€M) 3,519 5,324 3,512 1,305 4,653 6,42
Slide 13: Accelerating value creation for our shareholders
BBVA Corporate Presentation 13 Accelerating value creation for our shareholders TBV + DIVIDENDS PROFITABILITY METRICS2 (€ / SHARE) (%) TBV / share Dividends paid / share ROTE +19.5% 7.79 0.351 6.52 7.44 ROE Dec-21 Dec-22 2021 2022 (1) April 2022 dividend per share 0.23 € (gross) and October 2022 div
Slide 14: Significant increase of pay-out
BBVA Corporate Presentation 14 Significant increase of pay-out TOTAL PAY-OUT 2022 equivalent to 47% €3.0Bn €50 cents /share 1 2,3 of reported attributable profit4 CASH DIVIDEND2 €43 cts./share +39% vs. 2021 €31 cts./share Apr.23 €12 cts./share Oct.22 NEW SHARE BUY BACK PROGRAM5 € 422 M 1.1% of market
Slide 15: 2022 Profit & Loss
BBVA Corporate Presentation 15 2022 Profit & Loss Change 2022/2021 BBVA Group (€M) 2022 % constant % Net Interest Income 19,153 35.8 30.4 Net Fees and Commissions 5,353 15.3 12.3 Net Trading Income 1,938 9.4 1.5 Other Income & Expenses -1,555 n.s. n.s. Gross Income 24,890 22.9 18.2 Operating Expenses
Slide 16: Business Areas: Spain and Mexico
BBVA Corporate Presentation 16 Business Areas SPAIN MEXICO (€M 12M22. Change in % vs. 12M21) (Constant €M 12M22. Change in % vs. 12M21) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 3,226 €m 1,879 €m 7,406 €m 4,182 €m 12M22 vs. 12M21 12M22 vs. 12M21 Net Interest I
Slide 17: Business Areas: Turkey and South America
BBVA Corporate Presentation 17 Business Areas TURKEY SOUTH AMERICA (Constant €M 12M22. Change in % vs. 12M21) (Constant €M 12M22. Change in % vs. 12M21) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 2,119 €m 509 €m 2,284 €m 734 €m 12M22 Net Attributable Profit 12M2
Slide 18: Business Areas: Corporate & Investment Banking
BBVA Corporate Presentation 18 Business Areas OTHER INFORMATION: CORPORATE & INVESTMENT BANKING (Constant €M 12M22. Change in % vs. 12M21) BUSINESS ACTIVITY CLIENT’S REVENUE RESULTS LENDING GROSS INCOME 77 €bn +25.3% 3,741 €m +21% 4,008 €m +33.7% OPERATING INCOME CUSTOMER FUNDS Wholesale banking rec
Slide 19: 2022 takeaways
BBVA Corporate Presentation 19 2022 takeaways Significant progress in the execution of our strategy centered on digitalization, innovation and sustainability The highest net attributable profit ever Growing our franchise with industry-leading profitability and efficiency Delivering exceptional value cre
Slide 20: Annex
Creating Opportunities Annex
Slide 21: BBVA had significant growth since 1995
BBVA Corporate Presentation 21 BBVA had significant growth since 1995 MORE THAN 160 YEARS OF HISTORY 1995 Banco Continental (Peru) 2007 Compass (USA) Sale of CNCB´s 1.12% (China) 2016 Probursa (México) 2008 Extended CNBC agreement (China) Sale of GarantiBank Moscow AO (Moscow) 1996 Banco Ganadero (Co
Slide 22: BBVA's shareholders structure (Dec.22)
BBVA Corporate Presentation 22 BBVA’s shareholders structure (Dec.22) # BBVA shares: 6,030 M # Shareholders: 801,216 Shareholders Shares Number of shares Amount % Amount % INSTITUTIONAL 58.83% Up to 500 330,991 41.3 61,765,540 1.0 501 to 5,000 367,730 45.9 653,340,057 10.8 5,001 to 10,000 55,066 6.9
Slide 23: Organizational chart
BBVA Corporate Presentation 23 Organizational chart Chief Executive Officer Chair Onur Genç Carlos Torres Vila Business Units Global Functions Transformation Strategy Legal and Control Corporate & Investment Finance Engineering Strategy & M&A Legal Banking Rafael Salinas José Luis Elechiguerra Victor
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