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• Highlights
• Executive summary
  • Letter from the Chairman
  • BBVA values and principles
    • Vision and mission
    • Principles and values
  • BBVA brand
  • Corporate Governance System
    • BBVA Board of Directors
    • BBVA Board Committees
  • Corporate responsibility
    • Corporate responsibility (CR) principles, policies and governance
    • CR management system and strategic focus
  • Primary stakeholders
    • Introduction: tools for communication and dialog with stakeholders
    • Share and shareholder structure
    • The team
    • The client
    • Society
  • Environment and BBVA positioning
    • The economic background
    • Banking sector
    • Regulatory environment
    • Positioning of BBVA Group
  • Performance in 2012
    • BBVA Group
    • Business areas: Spain
    • Business areas: Eurasia
    • Business areas: Mexico
    • Business areas: South America
    • Business areas: The United States
    • Additional information: Corporate & Investment Banking
• Group financial information
  • Group financial information
  • Earnings
    • Net interest income
    • Gross income
    • Operating income
    • Provisions and others
    • Net attributable profit
  • Balance sheet and business activity
    • Loans and advances to customers
    • Customer funds
    • Other balance sheet headings
  • Capital base
    • Ratings
• Risk management
  • Global Risk Management: BBVA Group’s risk management function
  • Integration of risks and overall risk profile
    • Integration of risks
    • Overall risk profile
  • Credit risk
    • Credit risk quantification methodologies
    • Probability of default (PD)
    • Loss given default (LGD)
    • Exposure at default (EAD)
    • Credit risk in 2012
    • Exposure to the real-estate sector in Spain
    • Refinancing and restructuring operations
    • Expected losses
    • Concentration
    • Non-performing assets 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 units
    • Market risk in market activities
    • Market risk in 2012
    • Credit risk in market activities
  • Operational risk
    • Operational risk management framework
    • The Group’s operational risk profile
    • Operational risk capital
    • Approval of new Businesses, products and services
    • Reputational risk
  • Risk management in non-banking activities
    • Insurance and fund administration activities
    • Real-estate business risk
  • Management of ESG risks
• Business areas
  • Business areas
  • Spain
    • Definition of the area
    • Macroeconomic and industry trends
    • Management priorities
    • Activity
    • Earnings
    • Retail and Commercial Banking
    • Corporate & Investment Banking
    • Highlights
  • Eurasia
    • Definition of the area
    • Industry trends
    • Management priorities
    • Activity
    • Earnings
    • Highlights
  • Mexico
    • Definition of the area
    • Industry trends
    • Management priorities
    • Activity
    • Earnings
    • Commercial Banking
    • Consumer Finance Unit
    • Government & Corporate Banking
    • Corporate & Investment Banking (CIB)
    • Insurance business
    • Highlights
  • South America
    • Definition of the area
    • Industry trends
    • Management priorities
    • Activity
    • Earnings
    • Argentina
    • Chile
    • Colombia
    • Peru
    • Venezuela
    • Panama
    • Paraguay
    • Uruguay
    • Insurance
  • The United States
    • Definition of the area
    • Industry trends
    • Management priorities
    • Activity
    • Earnings
    • Highlights
  • Corporate Activities
    • Definition of the aggregate
    • Earnings
    • Asset/Liability Management
    • Holdings in Industrial and Financial Companies
  • Additional information: Corporate & Investment Banking
    • Definition
    • Industry trends
    • Management priorities
    • Activity
    • Earnings
    • Corporate finance
    • Equity Capital Markets
    • Corporate Lending
    • Project Finance
    • Structured Trade Finance
    • Global Transactional Banking
    • Global Markets
• Supplementary information
  • Consolidated time series
  • BBVA Group branch network