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“We have had an excellent year. This has not been the result of chance, it is the product of our management ability and the strength of our business model”

Francisco González, Chairman and CEO

Letter from the Chairman Financial highlights

Financial Statements
Earnings
Balance sheet and activity
Capital base
Corporate Governance
The corporate governance system
General meeting of shareholders
The Board of Directors
Executive Summary
We closed 2009 as a "better bank"
BBVA, a global leader
Business areas in 2009
Tools