BBVA in 2012


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Excluding sovereign risks and financial institutions, there are 129 holding groups among the Group’s clients (135 in 2011), with risk drawn (loans, contingent liabilities, credit derivatives and fixed-income issues) exceeding €200m, of which 71% hold investment grade rating. The credit risk (loans plus guarantees) of these groups accounted for 20% of BBVA Group’s total risk (19% in 2010). This risk can be broken down as follows: 80% in Europe and 17% in the Americas (74% in Mexico). Risk is diversified among the main sectors of economic activity, with the most important being: institutions 28%, construction and infrastructure 15%, utilities 14%, energy 10% and telecommunications 8%, as can be seen in Chart 24.

24 Concentration. Distribution by sectors in the BBVA Group

(Risks above €200 million. 31-12-2012)