BBVA Compass. Giampaolo Consigliere, Head International Commercial Banking. Washington, DC - March, 19 th

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1 BBVA Compass Giampaolo Consigliere, Head International Commercial Banking Washington, DC - March, 19 th 1

2 Banco Bilbao Vizcaya Starting from Strong Foundation Argentaria Banco Hipotecario, 1872 Banco de Bilbao, years, 150 banks: a modern Group with a distinguished past 2

3 North America (3) USA Mexico Puerto Rico Central America (1) Panama South America (10) Argentina Bolivia Brazil Chile Colombia Ecuador Paraguay Peru Uruguay Venezuela Today we have a global presence Asia - Pacific (7) Australia South Korea China India Japan Singapore Taiwan Europe (10) Spain France Germany Italy Portugal U.K. Belgium Russia Switzerland Turkey 597 Billion Euros In Assets 50 Million Customers 32 Countries 7,457 Branches 18,794 ATMs 110,645 Employees 3

4 Leading franchises in our core markets Loans Deposits Ranking Spain 12% 10% 2 nd Mexico 27% 24% 1 st South America (ex Brazil) 10% 10% 2 nd USA (Sunbelt) -- 6% 4 th Eurasia China (Citic Bank) Turkey (Garanti Bank) 15 % stake (7 th ) 25 % stake (1 st ) Data excluded latest acquisition of Unnim Banc in Spain Ranking by deposits (except for China, by assets and for Turkey, by deposits); Spain: Data as of November 2010; México: Data as of December 2010; South America: Data as of September 2010, countries considered: Argentina, Chile, Colombia, Panama, Paraguay, Peru, Uruguay and Venezuela; USA: Data as of June, 2011, market share and ranking considering only Texas and Alabama; China and Turkey: data as of December 31,

5 BBVA Compass 5

6 Six year ago BBVA focused its growth strategy in the US on the Sunbelt region BBVA Legacy Rio Grande Valley General Market Leadership in the Sunbelt BBVA New York 1987 BBVA Puerto Rico 1968 Bancomer Transfer Services Flagship of the United States franchise FDIC showed confidence in BBVA Compass ability to take over a troubled institution 6

7 .and today BBVA Compass is well-positioned in the Sunbelt Ranked among the 25 largest banks in the U.S. 7

8 and a strong capital with a strong capital position for future growth position for future growth 8

9 Products and Services 9

10 BBVA Compass: Products and Services Financing Term Loans Working Capital lines Factoring Tailor made solutions Checking and Investment Regular Checking Accounts Money Market Accounts Repurchase agreement (Repo) CD s Corporate Investments Services Insurance Property and Casualty Insurance Workers Compensation Performance Bonds International Trade Commercial letters of Credit Exim-Bank Stand By-letters of Credit Tailor made solutions Other Services SWAPS Merchant Services Business Credit Cards Foreign Exchange Services Treasury Management 10

11 Business Lending Needs BBVA Compass Commercial banking provides financing for major business needs: Plant and facility expansions Commercial real estate purchase Equipment purchases Acquisitions Change in ownership Working capital 11

12 Basic Requirements for most Commercial Loans Company Information (Shareholders, background, business plan) Financial Information on Borrower and Guarantor (3 years of FS) Financing details (Amount, Purpose, Type of loan, guarantees) Detailed Collateral Information if any (Real Esate, Equipment, A/R, etc) 12

13 BBVA Compass: Treasury Management Products Treasury Management includes many services and products, each designed to meet a specific business need. They can be divided into four general categories: Payable Solutions Receivable Solutions Information Reporting & Control Liquidity Management 13

14 Main Obstacles faced by Foreign Companies entering the USA Foreign companies or US subsidiaries of foreign owned companies face obstacles in obtaining financing options thru most commercial banks. Newly created entity No credit history or company background in USA No collateral options (in some cases) Parent company is a foreign company (unknown locally) 14

15 International Commercial Banking A multi-lingual and Multi-cultural Team with many years of International experience. Our International team can help you by providing: Full banking services for US subsidiaries of foreign owned companies. Full banking services to commercial/corporate clients not headquartered in the USA. Particularly those companies whose financing needs cannot be fulfilled without foreign collateral or guarantees. We will gladly work with you as your company enters the USA and provide direction and support for all you financial needs. We will also assist any expatriate employees in obtaining personal financial support through our retail network. 15

16 Conclusion we are: Diversified universal bank Here to assist your needs Customer centric organization Leading franchises in attractive markets Business mix biased to high growth markets Financing for all your commercial needs Personal banking for expatriate employees Multi cultural teams Strong Balance Sheet and Capital Solid liquidity position based on strong deposit funding base Regulatory capital ;position significantly above well capitalized guidelines On track to comfortably achieve new EBA requirements 16

17 BBVA Compass Giampaolo Consigliere, Head International Commercial Banking Washington, DC, March, 19 th 17

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA), in compliance with the Securities Exchange legislation, hereby files the following RELEVANT EVENT

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