North
NorthAmerica
America
• Mexico
• Mexico
• Puerto
• Puerto
Rico
Rico
• USA
• USA
Central
CentralAmerica
America
• Panama
• Panama
South
SouthAmerica
America
North America
BBVA, a global financial services group
•
•
•
• Argentina
• Argentina
Mexico
Puerto Rico
USA
• Bolivia
• Bolivia
Second Quarter 2012
• Brazil
• Brazil
• Chile
• Chile
Central America
•
• Colombia
• Colombia
Panama
• Ecuador
• Ecuador
• Paraguay
• Paraguay
South America
North America
North America
•
•
•
•
•
Mexico
Puerto Rico
USA
•
Mexico
Puerto Rico
USA
Central America
•
Panama
•
Argentina
Bolivia
Brazil
• Chile
• Colombia
•
•
•
•
•
Ecuador
• Paraguay
•
Peru
Uruguay
• Venezuela
•
•
South America
Panama
•
Argentina
Bolivia
• Brazil
• Chile
• Colombia
•
•
South America
Argentina
• Bolivia
Billion €
Assets
Paraguay
Abu Dhabi
• Peru
• Australia
• Uruguay
• Venezuela
•
•
Brazil
Chile
• Colombia
•
China
Hong Kong
• India
•
• Uruguay
• Uruguay
Belgium
France
Germany
Italy
Portugal
Russia
Spain
• Venezuela
• Venezuela
622
622
Billion
Billion€€
Assets
Assets
10
• Belgium
Asia - Paci ic
• France
• Abu Dhabi
• Germany
• Australia
• Italy
• China
• Portugal
Russia
• Hong• Kong
Million
Million
• India• Spain
52
52
• Switzerland
Customers
Customers
• Japan
Taiwan
33
7,485
19,359
112,605
Branches
Countries
Customers
Japan
Singapore
• South Korea
• Taiwan
•
•
•
•
622
Ecuador
• Paraguay
•
Japan Billion €
Assets
• Singapore
• South Korea
•
Peru
Uruguay
• Venezuela
•
•
•
52
7,485
33
Million
Customers
Branches
Countries
Employees
ATMs
Taiwan
www.bbva.com
52
CORPORATE PROFILE
7,485
33
Million
Billion
€
Countries
BBVA
is a customer-centric
global financial services
group foundedBranches
in
Customers
Assets
1857. The Group has a solid position in Spain, it is the largest financial
institution in Mexico, and it has leading franchises in South America
and the Sunbelt Region of the United States. Its diversified business
is biased toward high-growth markets and it relies on technology
as a key sustainable competitive advantage. BBVA ranks among
the leading Euro zone banks in terms of return on equity (ROE)
and efficiency. Corporate responsibility is at the core of its business
model. BBVA fosters financial education and inclusion, and supports
scientific research and culture. It operates with the highest integrity, a
long-term vision and applies best practices. BBVA ordinary shares are
traded through the Madrid Stock Exchange under the symbol BBVA
and American Depositary Shares (ADS) are traded on the New York
Stock Exchange under the symbol BBVA.
19,359
112,605
GEOGRAPHICALLY
DIVERSIFIED
Employees
ATMs
Net Interest
Income
€ in millions
Balanced Diversification
+16.4%
1H12 by market type
3,744
3,485
3,215
44%
3,286
56%
Emerging
2Q11
3Q11
4Q11
1Q12
2Q12
FINANCIAL HIGHLIGHTS
CORE CAPITAL EVOLUTION
2Q122011 2010
Balance Sheet (billion euros)
Assets
622.4
597.7
552.7
Lending (gross)
369.0
361.3
348.3
Customer deposits
274.3
282.2
275.8
Equity 43.1 40.1
37.5
BIS II Regulation
€ in millions
Significant Ratios
Return on equity
7.4%
Return on assets
0.61
Efficiency ratio
46.2
NPA ratio 4.0
NPA coverage ratio
66
8.0%
0.61
48.4
4.0
61
15.8%
0.89
42.9
4.1
62
Share Data
Market capitalization (million euros)
30,296 32,753
33,951
Book value per share (euros) 8.00
8.35
8.17
Price to book (times) 0.7x
0.8x
0.9x
Price to earnings (times)
8.9x 10.9x 7.4x
Dividend yield
7.5%
6.3%
5.6%
Developed
3,597
35,924
28,773
24,929
19,816
20,758
6.3%
7.1%
June
2008
June
2009
Core capital
8.1%
June
2010
10.8%
9.0%
June
2011
June
2012
Core capital ratio
DEBT RATINGS
Moody’s
Fitch
S&P
Long term
Baa3
BBB+
BBB+
Short term
P-3
F2
A-2
33
33
Countries
Countrie
Turkey
• Singapore
• U.K.
• South Korea
•
•
Asia
- Paci ic
• Switzerland
•
Dhabi
• Abu
Turkey
• Australia
•• China
U.K.
• Hong Kong
• India Million
•
Europe
• Peru
• Peru
52
622
Asia - Paci ic• Ecuador
•
622
•
•
Central America
•
Europe
Financial Strength
D+
bbb+
-
19,359
ATMs
Fact Sheet
Second Quarter 2012
CORPORATE PROFILE
BRANCHES BY STATE
Sacramento
San Francisco
Denver
Alabama
93
Florida
45
Arizona
79
New Mexico
21
California
65
Texas
368
Colorado
38
Los Angeles
LaJolla
San
n Diego
Phoenix
H n
Hun
ntsville
Albuquerque
Birming
gham
Lubbock
Tucson
Las Cruces
Ft. Worth
Dallas
Montg
gomery
y
El Paso
Beau
umont
u
um
m
Austin
Branches
Assets
Loans
Deposits
Equity
Hou
Houston
Orlando
do
Miam
mi
m
McA
Allen
A
www.bbvacompass.com
($ IN BILLIONS)
$66.0
44.5
48.3
10.7
Jacksonville
Laredo
Commercial Loan/Private Client Office
KEY FACTS
Mobile
Mobile
e
Gainesvill
vill
ville
San Antonio
Commercial Loan Office
Atlanta
Assets under administration $6.4
Assets under management
4.8
Number of branches
709
Number of ATM’s
1,063
Compass Bank is a leading U.S. banking franchise
with operations throughout the Sunbelt Region
and ranks among the 20 largest U.S. commercial
banks based on deposit market share. Under
the brand name BBVA Compass, we operate
709 branches in Alabama, Arizona, California,
Colorado, Florida, New Mexico and Texas.
BBVA Compass ranks among the largest
banks in Alabama (2nd), Texas (4th) and Arizona
(5th). BBVA Compass has been recognized as
one of the leading Small Business Administration
(SBA) lenders and ranked 3rd in American
Banker’s 2012 reputation study of the leading 30
banks in the U.S.
NEWS
Top 3 ranking in repuation study
July 1, 2012
BBVA Compass recently earned third place in American Banker’s third
annual survey of the 30 leading banks in the U.S. Ranked 16th in 2010,
BBVA Compass continued its climb up the rankings, improving on its
fifth place finish in 2011, while earning top five rankings in three of the
five measurement categories including performance, innovation and
DEPOSITS BY STATE
Alabama (20.3%)
Arizona (6.5%)
California (5.3%)
Colorado (3.6%)
Florida (4.9%)
New Mexico (1.0%)
Texas (58.4%)
4.9%
5.3%
workplace.
3.6% 1.0%
Mobile Banking Recognized By PCWorld
March 2012
According to a recent poll by PCWorld magazine, BBVA Compass’
6.5%
mobile banking offerings rank among the best in the banking industry.
The poll singled out our robust set of mobile OS offerings – for iOS,
Android and BlackBerry – and affordable account management fees.
20.3%
58.4%
Winner of 10 Greenwich Excellence Awards
January 23, 2012
BBVA Compass earned 10 Greenwich Excellence awards including seven
in the small business segment and three in middle market. The awards,
SOLVENCY
based on input from more than 13,000 small business customers and
Regulatory Capital Ratios
110,000 middle market customers, are given to banks that distinguish
13.76%
themselves through service, products and lending. BBVA Compass ranked
among the top five percent among the more than 750 banks evaluated.
11.01%
9.30%
DEBT RATINGS
5.00%
6.00%
10.00%
Tier I Leverage
Ratio
Tier I Capital
Ratio
Total Capital
Ratio
“Well Capitalized” Guidelines
BBVA Compass
Moody’s
Fitch
S&P
Long term
Baa2
BBB
BBB
Short term
P-2
F2
A-2
Subordinated Debt Baa3
BBBBBB-
CONTACT INFORMATION
BBVA Compass
15 South 20th Street
Birmingham, AL 35233
205.297.3000
E-Mail: [email protected]
Facebook Fan Page: BBVACompass
Twitter: Twitter.com/BBVACompass