Annex

Interest rates

(Quarterly averages)

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	2013			2012
	3Q	2Q	1Q	4Q	3Q	2Q	1Q
Official ECB rate	0.50	0.50	0.75	0.75	0.76	1.00	1.00
Euribor 3 months	0.22	0.21	0.21	0.20	0.36	0.69	1.04
Euribor 1 year	0.54	0.51	0.57	0.60	0.90	1.28	1.67
USA Federal rates	0.25	0.25	0.25	0.25	0.25	0.25	0.25
TIIE (Mexico)	4.09	4.32	4.72	4.83	4.79	4.76	4.78

Exchange rates

(Expressed in currency/euro)

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	Year-end exchange rates				Average exchange rates
	30-09-13	Δ % on 30-09-12	Δ % on 30-06-13	Δ % on 31-12-12	Jan.-Sep. 13	Δ % on Jan.-Sep. 12
Mexican peso	17.8463	(6.9)	(4.5)	(3.7)	16.7017	1.4
U.S. dollar	1.3505	(4.3)	(3.1)	(2.3)	1.3169	(2.7)
Argentinean peso	7.8201	(22.4)	(10.1)	(17.2)	6.9531	(17.8)
Chilean peso	679.35	(10.5)	(3.0)	(6.8)	643.09	(2.5)
Colombian peso	2,583.98	(10.0)	(2.8)	(9.8)	2,444.99	(6.0)
Peruvian new sol	3.7549	(10.6)	(3.3)	(10.3)	3.5234	(3.4)
Venezuelan bolivar fuerte	8.4975	(34.7)	(3.1)	(33.4)	7.8697	(30.1)
Turkish lira	2.7510	(15.7)	(8.4)	(14.4)	2.4591	(6.1)
Chinese yuan	8.2645	(1.7)	(2.9)	(0.5)	8.1217	(0.2)

Ratings

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	Long term	Short term	Financial strength	Outlook
Moody’s	Baa3	P-3	D+	Negative
Fitch	BBB+	F-2	bbb+	Negative
Standard & Poor’s	BBB–	A-3	-	Negative
DBRS	A	R-1 (low)	-	Negative

Recurrent economic profit by business area

(January-September 2013, Million euros)

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	Adjusted net attributable profit	Economic profit (EP)
Spain	971	188
Real-estate activity in Spain	(17)	(119)
The United States	205	10
Eurasia	631	144
Mexico	1,393	971
South America	702	382
Corporate Center	(655)	(725)
BBVA Group	3,229	851