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Unique banking model

Unique banking model

BBVA has a banking model based on four pillars that makes us different:​

 

1. Diversification and leadership. A well-diversified portfolio supported by leading and high quality franchises 

Geographic Diversification 

Gross income breakdown (1)

2015 (percentage)

   
Mexico 29.6
Spain 28.4
The United States 11.1
Turkey 10.2
South America 18.7
Rest of Eurasia 2.0
29.628.411.110.218.72.0
Mexico
Spain
The United States
Turkey
South America
Rest of Eurasia

(1) Excludes Corporate Center. Spain includes banking activity and real-estate activity. 

Market Share and Ranking 

Detail by country (2)

  Loans Deposits
  Share (%) rnk Share (%) rnk
Mexico 23.4 1st 23.2 1st
Spain 14.4 2nd 14.7 3rd
Turkey 11.8 2nd 11.6 2nd
South America (ex Brazil) 10.4 n/a 10.4 n/a
The United States (Sunbelt) n/a n/a 6.3 4th

(2) Pro-forma calculation including a 39.9% stake in Garanti. Figures exclude Corporate Centre. Spain: Other domestic sector and public sector data as of November, 2015 (BBVA+CX); Mexico: data as of December, 2015; South America: data as of October, 2015; The United States: data as of June, 2015, market share and ranking by deposits considering only Texas and Alabama; Turkey: BRSA data for commercial banks as of December, 2015. 

2. A management model based on prudence and proactivity 

1.

Structural
Risk

Financially independent subsidiaries

​Optimized balance sheet structure

2.

Credit
Risk

Defined asset allocation

Risk-adjusted 
growth

Identified, measurable and limited risks

3.

Capital
Management

Focus on organic capital generation

Commitment to shareholders

4.

M&A
Strategy

Creating value through selective acquisitions

​Sale of non-strategic businesses


resulting in:

1.

Strong Liquidity
Position

Well-balanced “Funding Mix”

Limited financial needs

Enough collateral to face hypothetical shocks

2.

Outstanding Risk
Management

Risk indicators among the best in the markets with presence

3.

Strong Capital
Position

Capital & Leverage ratios above the minimum required by regulators

First issuing AT1 instruments with capacity to absorb losses

4.

Well-diversified
Portfolio

Greater resistance to economic cycles

3. A business model of return adjusted to principles, that places people at the center of our business 

These principles inspiring our activity are integrity, prudence and transparency. Integrity as a manifestation of ethics in our actions and in all our relations with stakeholders. Prudence, understood as precaution in assuming risk. Transparency as a principle offering access to clear and truthful information within the limits of the law.

​​


Our activity's consistency with these principles is reflected in our corporate governance and regulatory compliance systems, in risk management, and in the business model. This means managing our business by assuming the responsibility for our impacts on people's lives and on society.

Responsible Business

We manage our business assuming the responsibility of our impacts on people's lives and on society

 

Transparency, clarity and responsibility in the relationship with our customers

 

Long-term value generation for all the stakeholders


​Social and environmental risks and opportunities integration
 

 

4. A customer-centric business approach

(1) Figures as of December 2015 including Garanti. 
​(2) Client Revenues / gross margin.

Our business model is customer oriented, offering a differential service with a very ambitious goal: to be leaders in customer satisfaction across our global footprint.