BBVA Group First Quarter 2016 Disclaimer This document is only - PowerPoint PPT Presentation

BBVA Group First Quarter 2016

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 securities in relation to a specific issue must be made solely and exclusively on the basis of the information set out in the pertinent prospectus filed by the company in relation to such specific issue. No one who becomes aware of the information contained in this report should regard it as definitive, because it is subject to changes and modifications. This document contains or may contain forward looking statements (in the usual meaning and within the meaning of the US Private Securities Litigation Reform Act of 1995) regarding intentions, expectations or projections of BBVA or of its management on the date thereof, that refer to or incorporate various assumptions and projections, including projections about the future earnings of the business. The statements contained herein are based on our current projections, but the actual results may be substantially modified in the future by various risks and other factors that may cause the results or final decisions to differ from such intentions, projections or estimates. These factors include, without limitation, (1) the market situation, macroeconomic factors, regulatory, political or government guidelines, (2) domestic and international stock market movements, exchange rates and interest rates, (3) competitive pressures, (4) technological changes, (5) alterations in the financial situation, creditworthiness or solvency of our customers, debtors or counterparts. These factors could cause or result in actual events differing from the information and intentions stated, projected or forecast in this document or in other past or future documents. BBVA does not undertake to publicly revise the contents of this or any other document, either if the events are not as described herein, or if such events lead to changes in the information contained in this document. This document may contain summarized information or information that has not been audited, and its recipients are invited to consult the documentation and public information filed by BBVA with stock market supervisory bodies, in particular, the prospectuses and periodical information filed with the Spanish Securities Exchange Commission (CNMV) and the Annual Report on Form 20-F and information on Form 6-K that are filed with the US Securities and Exchange Commission. Distribution of this document in other jurisdictions may be prohibited, and recipients into whose possession this document comes shall be solely responsible for informing themselves about, and observing any such restrictions. By accepting this document you agree to be bound by the foregoing restrictions. 1

Index 1. About BBVA 2. Vision and aspiration 3. BBVA transformation journey 4. Results’ highlights

1. About BBVA 1. About BBVA 2. Vision and aspiration 3. BBVA Transformation Journey 4. Results’ highlights > BBVA’s global presence > History of BBVA > Main figures > BBVA share > Organizational chart > Our team > Presence in social media > Social commitment > Awards and recognitions

BBVA’s global presence 1. About BBVA Europe Germany / Belgium/ Spain/ France / Holland / Italy / Luxembourg / Malta / Portugal / U.K. / Romania / 2. Vision and aspiration Russia / Switzerland / Turkey 3. BBVA Transformation Journey 4. Results’ highlights Asia - Pacific North America Australia / China / UAE / Hong Kong / USA / Mexico India / Indonesia / Japan / South Korea/ Singapore / Taiwan > BBVA’s global presence > History of BBVA > Main figures South America > BBVA share Argentina / Bolivia / Brazil / Chile / Colombia / Paraguay / Peru / Uruguay / Venezuela > Organizational chart > Our team € 741 66 35 9,173 30,794 137,445 > Presence in social media million customers countries branches ATMs employees billion in total > Social commitment assets > Awards and recognitions 4 As of March 2016. It includes Garanti starting from July.

More than 150 years of history 1. About BBVA BBVA is the result of the merger of two major Spanish banking institutions 2. Vision and aspiration 1999 3. BBVA Transformation Journey • Banco Bilbao Vizcaya 4. Results’ highlights • Argentaria 1998 • Bco. Exterior • Grupo Caja Postal > BBVA’s global presence • Bco. Crédito • Bco. Crédito > History of BBVA Industrial Agrícola > Main figures > BBVA share > Organizational chart 1988 > Our team > Presence in social media • Banco de Bilbao > Social commitment • Banco de Vizcaya > Awards and recognitions 5

More than 150 years of history 1. About BBVA BBVA had significant growth since 1995 2. Vision and aspiration 2005 2011 1995 • Banco Continental (Peru) • Granahorrar (Colombia) • Extension of Forum SF agreement (Chile) • Probursa (Mexico) • Hipotecaria Nacional 3. BBVA Transformation • Credit Uruguay (Uruguay) (Mexico) Journey 1996 • Banco Ganadero (Colombia) 2012 2006 • Sale of Puerto Rico • Texas Regional Bancshares • Bancos Cremi and Oriente 4. Results’ highlights (USA) (Mexico) • Unnim Banc (Spain) • Forum Servicios • Banco Francés (Argentina) Financieros (Chile) 2013 • Sale of Panama 1997 • State National Bancshares • Banco Provincial (Venezuela) • Sale of pension business in Latam (USA) • B.C. Argentino (Argentina) • Sale of CNCB’s 5.1% (China) • CITIC (China) 1998 2014 • Poncebank (Puerto Rico) • Simple (USA) 2007 • Banco Excel (Brasil) • Compass (USA) > BBVA’s global presence 2015 • Sale of CIFH’s stake to CNCB • Banco BHIF (Chile) > History of BBVA (China) 2008 • Extended CITIC agreement > Main figures 1999 • Sale of CNCB’s 4.9% (China) • Provida (Chile) > BBVA share • Catalunya Banc (Spain) • Consolidar (Argentina) 2009 • Guaranty Bank (USA) > Organizational chart • Acquisition of an additional stake 2000 in Turkiye Garanti Bankasi (Turkey) • Bancomer (Mexico) > Our team • Acquisition of a 29,5% stake in 2010 • New extension CITIC > Presence in social media Atom (UK) 2004 • Valley Bank (USA) agreement > Social commitment • Laredo (USA) • Turkiye Garanti Bankasi 2016 • Holvi (Finland) > Awards and recognitions • Bancomer IPO (Turkey) 6

1Q16 main figures 1. About BBVA Earnings (€m) 2. Vision and aspiration Gross income Operating income Net attributable profit 5,788 2,614 709 3. BBVA Transformation Journey 4. Results’ highlights Balance sheet (€m) Loans and advances Deposits Total assets Total equity to customers - gross from customers 740,947 54,516 428,515 408,971 > BBVA’s global presence > History of BBVA > Main figures Efficiency / Profitability Risk management Solvency – CET1 ratio > BBVA share ROE 1 ROA Efficiency ratio NPL ratio NPL coverage ratio Phased-in Fully-loaded > Organizational chart 5.6% 0.5% 54.8% 5.3% 74% 11.60% 10.54% > Our team > Presence in social media > Social commitment For more information click here > Awards and recognitions 7 1 Adjusted to the results of the dividend-option execution of April 2016

BBVA share 1. About BBVA Listed on the main international BBVA’s capital ownership stock markets is well diversified 2. Vision and aspiration Shareholder breakdown New London 3. BBVA Transformation York Banks Journey Non-resident Institutions 3.1 4. Results’ highlights 4.7 Employees 54.7 2.7 45.3 Resident 34.8 Mexico #shareholders Individuals Madrid > BBVA’s global presence 942,343 > History of BBVA > Main figures Figures as of 31 st March 2016 Weighting (31-03-2016) Number of shares issued (m) 6,367 > BBVA share IBEX 35 8.5% Book value per share (€) 1 7.29 > Organizational chart Euro Stoxx 50 1.9% Closing price (€) 5.84 > Our team Market capitalization (€m) 37,194 Euro Stoxx Banks 9.7% > Presence in social media Stoxx Europe 600 Banks 4.7% > Social commitment For more information click here > Awards and recognitions 8 1 Adjusted to the results of the dividend-option execution of April 2016

Return to shareholders 1. About BBVA Outstanding performance to shareholders, despite financial strains 2. Vision and aspiration Total shareholders return (TSR) 3. BBVA Transformation December 2010 – March 2016 - (%) Annualized * Journey 4. Results’ highlights BBVA’s strengths 0.5 have been gradually BBVA recognized > BBVA’s global presence -3.5 -2.3 -4.7 by the market > History of BBVA > Main figures Peers Eurostoxx Stoxx > BBVA share Banks Banks > Organizational chart > Our team > Presence in social media > Social commitment > Awards and recognitions (*) Peer Group: SAN, BNPP, CASA, SG, ISP, UCG, DB, CMZ, HSBC, BARC, LBG, RBS, CS, UBS, CITI, BOA, WF y JPM 9 Source: Bloomberg