BBVA has a banking model based on four pillars that makes us different:
Gross income breakdown (1)
|The United States||11.1|
|Rest of Eurasia||2.0|
(1) Excludes Corporate Center. Spain includes banking activity and real-estate activity.
Market Share and Ranking
Detail by country (2)
|Share (%)||rnk||Share (%)||rnk|
|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.
Financially independent subsidiaries
Optimized balance sheet structure
Defined asset allocation
Identified, measurable and limited risks
Focus on organic capital generation
Commitment to shareholders
Creating value through selective acquisitions
Sale of non-strategic businesses
Well-balanced “Funding Mix”
Limited financial needs
Enough collateral to face hypothetical shocks
Risk indicators among the best in the markets with presence
Capital & Leverage ratios above the minimum required by regulators
First issuing AT1 instruments with capacity to absorb losses
Greater resistance to economic cycles
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.
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
(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.