BBVA performance
2014 - a year of growth

Earnings

Growth of more recurring revenue

Risks

Improvement in risk indicators

Liquidity

Solid position in every market

Solvency

Capital strength as competitive advantage

Net interest income +
fees and commissions

+13.3% (at constant exchange rates)

NPA ratio

5.8%

-95 basis points
(year-on-year change)

Coverage ratio

64%

+4.4 percentage points
(year-on-year change)

Appropriate funding structure

>100% LCR (Liquidity coverage ratio)

Core capital CRD IV

11.9% (Phased-in)

(10.4% fully-loaded)

BBVA performance2014 - a year of growth