Francisco González - BBVA Group Executive Chairman
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(Gross income. Year-on-year changes at constant exchange rates. In the case of Turkey, year-on-year changes in comparable terms)
Year-on-year changes at constant exchange rate. Balances as of 31-12-2016
Year-on-year changes at constant exchange rate. Balances as of 31-12-2016
Year-on-year changes at constant exchange rate. Balances as of 31-12-2016
Year-on-year changes at constant exchange rates. Balances as of 31-12-2016
During 2016, the BBVA Group made great progress in its Transformation Journey. The Entity’s new strategy has been bolstered with particular focus on digitalization and customer experience, simplifying the organizational structure and redefining the Bank’s new tagline: “Creating Opportunities”
Materiality analysis. BBVA has taken a great step forward in materiality analysis to ensure that the focus is on the most relevant aspects for both the stakeholders and the BBVA business.
We have a customer-oriented business model that offers a differencial service with a very ambitious goal: to be leaders in customer satisfaction across our global footprint
We want to attract, develop, motivate and retain a first-class workforce, and provide the best employee experience
BBVA seeks to create long-term value for all its stakeholders, particularly for its shareholders
BBVA has launched the Community Investment Plan for the period 2016-2018, an initiative, which is established, as the main focus of action, finacial education, entrepreneurship and knowledge, education and culture
For BBVA, its suppliers are a fundamental part of its business model
The regulators and supervisors are important stakeholders in the financial industry in general and BBVA in particular
BBVA in 2016 is a report published every year that presents the most relevant financial and non-financial information about BBVA Group in 2016, supplemented with other documents and reports published by the Bank. The aim is to provide information on the Group’s strategy and performance during the year, with a focus on events that are relevant for our stakeholders. For this purpose, BBVA in 2016 is a report which is interconnected with the rest of the annual information through links and references.
Prepared jointly by the Financial Communication & External Reporting and Responsible Business Departments, and with the collaboration of different areas and departments in the whole Bank, BBVA in 2016 follows the latest international reporting trends, such as the IIRC Conceptual Framework, the Global Reporting Initiative Sustainability Reporting Guidelines (GRI G4) and the Institute for Social and Ethical Accountability AA1000 standard.
BBVA has a corporate governance system made up of a set of principles, rules, structures and processes which regulate and guide relations between the Company, its management, shareholders and other stakeholders, allowing, at the same time, for an adequate management and oversight of the Bank
BBVA has a general risk management and control model that has established an adequate risk management system, in line with the Entity's risk profile and strategy
