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BBVA’s vision “we work for a better future for people” is our reason for being, it rests on three pillars: people, principles and innovation.
The Group’s mission is “to offer the best financial products and services to our customers”. And doing so simply and responsibly is our positioning. For BBVA, simplicity means ease, proximity, accessibility and clear language. And we understand responsibility as a long-term process term, a balanced relationship with customers and support for the development of society.
At BBVA we do business responsibly, guided by principles of integrity, prudence and transparency
The global economy is recovering, albeit at a slower than expected pace. The global GDP is expected to grow by 3.6% in 2015; i.e. something better than the figure obtained in 2014 but with some uncertainties.
Banks are facing higher capital, liquidity and leverage requirements and high standards of transparency, risk management and governance. The bulk of regulatory reforms that were underway have now been undertaken, so the main focus has shifted to implementation.
In 2014, BBVA Group has continued to perform outstandingly in terms of earnings, risks, liquidity and solvency. This is thanks to its banking model leveraged on four pillars.
In 2014, BBVA has continued to build a balanced portfolio which ensures resilience in any environment and a high level of recurrent revenues.
(1) Excluding Corporate Center.
The portfolio is also diversified as well as balanced and it is based on sound franchises, with a sufficiently large customer base and leadership positions in our core markets.
| Market share | Loans (%) | Deposits (%) | Deposits ranking |
|---|---|---|---|
| Spain | 13.2 | 11.3 | 3rd |
| Mexico | 24.1 | 22.2 | 1st |
| South America excl. Brazil | 11.0 | 10.9 | n.m. |
| The United States (Sunbelt) | n.m. | 6.2 | 4th |
| Eurasia | |||
| Turkey (Garanti Bank) 39.9% stake (1) | 11.9 | 11.7 | 2nd |
Spain: Other domestic sector and public sector data as of November 2014 (BBVA+ Unnim). Mexico: data as of December 2014. South America: data as of November, 2014 for Argentina, Chile, Colombia, Paraguay, Peru, Uruguay and Venezuela. The United States: data as of June 2014. Market share and ranking considering only Texas and Alabama. Turkey: source BRSA, data only for commercial banking as of December 2014.
(1) Closing expected by the first half of 2015.
BBVA, a balanced and diversified portfolio model underpinned by sound franchises
BBVA is continuously analyzing the market in search of attractive and profitable investment opportunities. According to this, in 2014 BBVA carried out a number of transactions:
A management model based on prudence and anticipation...
... which results in:
A unique model based on return adjusted to principles...
... that places people at the core of our business
BBVA actively manages its portfolio with the aim of maximizing shareholder value
BBVA’s business model is focused on the customer, i.e. it is based on stable and lasting relationships with over 51 million customers the Group has around the world.
Our goal: to be leaders in customer satisfaction across our global footprint
BBVA has been working for a number of years on the transformation of its business model to a more digital model, based on technology and innovation as key levers. The aim is to offer a differential experience for our customers, generating a significant improvement in productivity, efficiency, profitability and value creation for the Group’s shareholders.
Digital transformation...
…to be leaders in customer satisfaction across our global footprint
BBVA is evolving toward a more digital Organization because it wants to lead the banking industry of the future
