BBVA in 2012
Supplementary information
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Supplementary information
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Highlights
Executive summary
Letter from the Chairman
BBVA values and principles
Vision and mission
Principles and values
BBVA brand
Corporate Governance System
BBVA Board of Directors
BBVA Board Committees
Corporate responsibility
Corporate responsibility (CR) principles, policies and governance
CR management system and strategic focus
Primary stakeholders
Introduction: tools for communication and dialog with stakeholders
Share and shareholder structure
The team
The client
Society
Environment and BBVA positioning
The economic background
Banking sector
Regulatory environment
Positioning of BBVA Group
Performance in 2012
BBVA Group
Business areas: Spain
Business areas: Eurasia
Business areas: Mexico
Business areas: South America
Business areas: The United States
Additional information: Corporate & Investment Banking
Group financial information
Group financial information
Earnings
Net interest income
Gross income
Operating income
Provisions and others
Net attributable profit
Balance sheet and business activity
Loans and advances to customers
Customer funds
Other balance sheet headings
Capital base
Ratings
Risk management
Global Risk Management: BBVA Group’s risk management function
Integration of risks and overall risk profile
Integration of risks
Overall risk profile
Credit risk
Credit risk quantification methodologies
Probability of default (PD)
Loss given default (LGD)
Exposure at default (EAD)
Credit risk in 2012
Exposure to the real-estate sector in Spain
Refinancing and restructuring operations
Expected losses
Concentration
Non-performing assets and risk premium
Structural risks
Structural interest-rate risk
Structural exchange-rate risk
Liquidity and funding risk
Structural risk in the equity portfolio
Risk in market units
Market risk in market activities
Market risk in 2012
Credit risk in market activities
Operational risk
Operational risk management framework
The Group’s operational risk profile
Operational risk capital
Approval of new Businesses, products and services
Reputational risk
Risk management in non-banking activities
Insurance and fund administration activities
Real-estate business risk
Management of ESG risks
Business areas
Business areas
Spain
Definition of the area
Macroeconomic and industry trends
Management priorities
Activity
Earnings
Retail and Commercial Banking
Corporate & Investment Banking
Highlights
Eurasia
Definition of the area
Industry trends
Management priorities
Activity
Earnings
Highlights
Mexico
Definition of the area
Industry trends
Management priorities
Activity
Earnings
Commercial Banking
Consumer Finance Unit
Government & Corporate Banking
Corporate & Investment Banking (CIB)
Insurance business
Highlights
South America
Definition of the area
Industry trends
Management priorities
Activity
Earnings
Argentina
Chile
Colombia
Peru
Venezuela
Panama
Paraguay
Uruguay
Insurance
The United States
Definition of the area
Industry trends
Management priorities
Activity
Earnings
Highlights
Corporate Activities
Definition of the aggregate
Earnings
Asset/Liability Management
Holdings in Industrial and Financial Companies
Additional information: Corporate & Investment Banking
Definition
Industry trends
Management priorities
Activity
Earnings
Corporate finance
Equity Capital Markets
Corporate Lending
Project Finance
Structured Trade Finance
Global Transactional Banking
Global Markets
Supplementary information
Consolidated time series
BBVA Group branch network
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