BBVA : 3Q22 Corporate Presentation

BBVA Group

3Q22

Disclaimer

This document is only provided for information purposes and does not constitute, nor should it be interpreted as, an offer to sell or exchange or acquire, or an invitation for offers to buy securities issued by any of the aforementioned companies. Any decision to buy or invest in securities in relation to a specific issue must be made solely and exclusively on the basis of the information set out in the pertinent prospectus filed by the company in relation to such specific issue. No one who becomes aware of the information contained in this report should regard it as definitive, because it is subject to changes and modifications.

This document contains or may contain forward looking statements (in the usual meaning and within the meaning of the US Private Securities Litigation Reform Act of 1995) regarding intentions, expectations or projections of BBVA or of its management on the date thereof, that refer to or incorporate various assumptions and projections, including projections about the future earnings of the business. The statements contained herein are based on our current projections, but the actual results may be substantially modified in the future by various risks and other factors that may cause the results or final decisions to differ from such intentions, projections or estimates. These factors include, without limitation, (1) the market situation, macroeconomic factors, regulatory, political or government guidelines, (2) domestic and international stock market movements, exchange rates and interest rates, (3) competitive pressures, (4) technological changes, (5) alterations in the financial situation, creditworthiness or solvency of our customers, debtors or counterparts. These factors could cause or result in actual events differing from the information and intentions stated, projected or forecast in this document or in other past or future documents. BBVA does not undertake to publicly revise the contents of this or any other document, either if the events are not as described herein, or if such events lead to changes in the information contained in this document.

This document may contain summarised information or information that has not been audited, and its recipients are invited to consult the documentation and public information filed by BBVA with stock market supervisory bodies, in particular, the prospectuses and periodical information filed with the Spanish Securities Exchange Commission (CNMV) and the Annual Report on Form 20-F and information on Form 6-K that are filed with the US Securities and Exchange Commission.

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About BBVA

BBVA's GLOBAL PRESENCE

SEPTEMBER 2022

Countries		Branches		Employees	Customers
>25		6,050		114,311

DIGITAL CAPABILITIES

SEPTEMBER 2022

		CUSTOMERS			DIGITAL SALES
		Digital			Mobile			PRV1
		customers			customers		UNITS
		47.8 M		45.9 M		77%	61%

BBVA Corporate Presentation 3

FINANCIAL HIGHLIGHTS

SEPTEMBER 2022

Net attributable profit 9M22 CET 1 FL

4,842 M€	12.45%
Total assets	M€
738,680
Loans and advances to	Deposits from
customers - gross	customers
373,765 M€	389,705 M€

SUSTAINABLE DEVELOPMENT AND DIRECT CONTRIBUTION TO SOCIETY

NEW Sustainable Business 2025 Goal

300 BN€	124 BN€
Between 2018 and 2025	Channeled until September 2022

(1) Product Relative Value as a proxy of lifetime economic representation of units sold.

BBVA Corporate Presentation 4

About BBVA

To bring the age of opportunity to everyone

Improving our clients'

Helping our clients transition

financial health

towards a sustainable future

Reaching more clients

Driving operational excellence

The best and most

Data and Technology

engaged team

Customer				We think				We are
Comes first				big				one team

BBVA Corporate Presentation 5

A well-diversified footprint with leading franchises

BREAKDOWN BY BUSINESS AREA

TOTAL ASSETS1
SEP-22				Rest of Business
							6%
		South America
		9%
		Turkey								Spain
		9%
										56%
		Mexico
		20%
GROSS INCOME1
9M22
	Rest of Business
						3%
							Spain
		South America
		17%					25%
		Turkey
		13%
									Mexico
							42%

STRONG POSITION

RANKING AND MARKET SHARE (%)2

SPAIN	#3 13.4%

MEXICO	#1 24.4%

TURKEY	#2 17.5%

COLOMBIA	#4 10.9%

PERU	#2 20.5%

(1) Figures exclude the Corporate Center.		(2) Latest available loan market shares, Ranking among peer group. Turkey among private banks.