BBVA in 2016

Financial and non-financial information

A customer-oriented global financial services group

Letter from the Group Executive Chairman

2016 was a good year for BBVA. We increased our earnings and made major progress in our Strategic Priorities

Francisco González - BBVA Group Executive Chairman

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The most relevant aspects

BBVA in figures

A summary of 2016

Business areas

(Gross income. Year-on-year changes at constant exchange rates. In the case of Turkey, year-on-year changes in comparable terms)

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SPAIN

ACTIVITY

Year-on-year changes. Balances as of 31-12-2016

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NET EXPOSURE

Billion euros

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THE UNITED STATES

ACTIVITY

Year-on-year changes at constant exchange rate. Balances as of 31-12-2016

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TURKEY

ACTIVITY

Year-on-year changes at constant exchange rate. Balances as of 31-12-2016

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MEXICO

ACTIVITY

Year-on-year changes at constant exchange rate. Balances as of 31-12-2016

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SOUTH AMERICA

ACTIVITY

Year-on-year changes at constant exchange rates. Balances as of 31-12-2016

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REST OF EURASIA

ACTIVITY

Year-on-year changes. Balances as of 31-12-2016

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Strategy

Creating Opportunities

During 2016, the BBVA Group made great progress in its Transformation Journey. The Entity’s new strategy has been bolstered with particular focus on digitalization and customer experience, simplifying the organizational structure and redefining the Bank’s new tagline: “Creating Opportunities”

Primary stakeholders

Materiality analysis. BBVA has taken a great step forward in materiality analysis to ensure that the focus is on the most relevant aspects for both the stakeholders and the BBVA business.

About this report

BBVA in 2016 is a report published every year that presents the most relevant financial and non-financial information about BBVA Group in 2016, supplemented with other documents and reports published by the Bank. The aim is to provide information on the Group’s strategy and performance during the year, with a focus on events that are relevant for our stakeholders. For this purpose, BBVA in 2016 is a report which is interconnected with the rest of the annual information through links and references.

Prepared jointly by the Financial Communication & External Reporting and Responsible Business Departments, and with the collaboration of different areas and departments in the whole Bank, BBVA in 2016 follows the latest international reporting trends, such as the IIRC Conceptual Framework, the Global Reporting Initiative Sustainability Reporting Guidelines (GRI G4) and the Institute for Social and Ethical Accountability AA1000 standard.