Group financial information
Group financial information
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Executive summary
BBVA Group Highlights
Letter from the Chairman
BBVA in 2011
The business areas: Spain
The business areas: Eurasia
The business areas: Mexico
The business areas: South America
The business areas: The United States
Wholesale Banking & Asset Management (1)
2012: Environment and positioning
Economic background
Positioning
The team
The brand
Corporate Responsibility
Corporate Governance System
BBVA Board of Directors
Committees of BBVA Board of Directors
Group financial information
Earnings
Net interest income
Gross income
Operating income
Provisions and others
Net attributable profit
Economic profit and risk-adjusted return on economic capital
Balance sheet and business activity
Lending to customers
Customer funds
Other balance sheet items
Capital base
Ratings
The BBVA share
Risk management
Global Risk Management
Integration of risks and overall risk profile
Integration of risks
Overall risk profile
Credit risk: Methodologies for credit risk quantification
Probability of default (PD)
Loss given default (LGD)
Exposure at default (EAD)
The portfolio model and concentration and diversification effects
Credit risk in 2011
Credit risk in the Spanish developer sector
Real estate assets
Expected losses
Concentration
Non-performing loans and risk premium
Structural risks
Structural interest-rate risk
Structural exchange-rate risk
Liquidity and funding risk
Structural risk in the equity portfolio
Risk in market areas
Market risk in market activities
Market risk in 2011
Credit risk in market activities
Operational risk
Operational Risk Management model
The Group’s operational risk profile
Operational risk capital
Reputational risk
Risk management in non-banking activities
Management model
Insurance
Asset Management
Pensions in the Americas
Real estate business risk
Management of ESG risks
Integration of ESG variables into risk management
Business areas
Business areas
Spain
Definition of the area
Macroeconomic and sector context
Management priorities
Breakdown of results
Eurasia
Definition of the area
Macroeconomic environment
Management priorities
Breakdown of results
Mexico
Definition of the area
Macroeconomic environment
Management priorities
Breakdown of results
South America
Definition of the area
Macroeconomic context
Management priorities
Breakdown of results
The United States
Definition of the area
Macroeconomic context
Management priorities
Breakdown of results
Corporate Activities
Asset/Liability Management
Holdings in Industrial and Financial Companies
Other information: Wholesale Banking & Asset Management
Definition
Management priorities
Breakdown of results
Supplementary information
Consolidated time series
BBVA Group branch network
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