2010: a good year for the BBVA Group
Earnings strength: 4,606 million euros (+9.4%)
1. Income diversification: balanced business portfolio with potential
2. Costs, anticipation for new growth cycle...
1. Gross income breakdown and evolution
(Percentage)
![](../../images/inbrief/1.png)
2. Costs breakdown. Year-on-year change
(Percentage)
![](../../images/inbrief/2.png)
3. ... Investing in people and technology ...
4. ... And anticipation in loss provisioning.
3. Wider distribution network in expanding franchises
![](../../images/inbrief/3.png)
4. Loan-loss provisions
![](../../images/inbrief/4.png)
Good performance in risk: –19 basis points in NPA ratio –61% net additions to NPA
5. Balance of NPAs stabilizes ...
6 and 7. ... And all risk indicators are improving.
5. Balance of NPAs
(Billion euros)
![](../../images/inbrief/5.png)
6. NPA and coverage ratios
(Percentage)
![](../../images/inbrief/6.png)
8. Stronger capital adequacy.
7. Overall risk premium
(Percentage)
![](../../images/inbrief/7.png)
8. Core capital ratio
(Percentage)
![](../../images/inbrief/8.png)
9. Funding: not dependent on ECB ...
10. ... and appropriate financing structure.
9. Long-term maturities of wholesale finance
(Billion euros)
![](../../images/inbrief/9.png)
10. Customer deposits/total assets
(Percentage)
![](../../images/inbrief/10.png)
![](../../images/inbrief/low1.png)
11. and 12. In summary, a very sound Group.
11. ROE and efficiency
![](../../images/inbrief/11.png)
12. Geographic diversification of revenues
![](../../images/inbrief/12.png)
![](../../images/inbrief/low2.png)