7,485 Branches

33 Countries

52 Million

Customers

112,605

Employees 19,359

ATMs 622Billion € Assets

North America

• Mexico • Puerto Rico • USA

South America

• Argentina

• Bolivia

• Brazil

• Chile

• Colombia

• Ecuador

• Paraguay

• Peru

• Uruguay

• Venezuela

Europe

• Belgium • France • Germany • Italy • Portugal • Russia • Spain • Switzerland • Turkey • U.K.

Asia - Paci ic

•

Australia •

China •

Hong Kong •

India •

Japan •

Singapore •

South Korea •

Taiwan

Central America

• Panama

•

Abu Dhabi

CORPORATE PROFILEBBVA is a customer-centric global financial services group founded in 1857. The Group has a solid position in Spain, it is the largest financial institution in Mexico, and it has leading franchises in South America and the Sunbelt Region of the United States. Its diversified business is biased toward high-growth markets and it relies on technology as a key sustainable competitive advantage. BBVA ranks among the leading Euro zone banks in terms of return on equity (ROE) and efficiency. Corporate responsibility is at the core of its business model. BBVA fosters financial education and inclusion, and supports scientific research and culture. It operates with the highest integrity, a long-term vision and applies best practices. BBVA ordinary shares are traded through the Madrid Stock Exchange under the symbol BBVA and American Depositary Shares (ADS) are traded on the New York Stock Exchange under the symbol BBVA.

DEBT RATINGS

Moody’sFitchS&P

BBVA, a global financial services group Second Quarter 2012

www.bbva.com

FINANCIAL HIGHLIGHTS

10

2Q12 2011 2010Balance Sheet (billion euros)

Assets 622.4 597.7 552.7Lending (gross) 369.0 361.3 348.3Customer deposits 274.3 282.2 275.8Equity 43.1 40.1 37.5

Significant RatiosReturn on equity 7.4% 8.0% 15.8%Return on assets 0.61 0.61 0.89Efficiency ratio 46.2 48.4 42.9NPA ratio 4.0 4.0 4.1NPA coverage ratio 66 61 62

Share DataMarket capitalization (million euros) 30,296 32,753 33,951Book value per share (euros) 8.00 8.35 8.17Price to book (times) 0.7x 0.8x 0.9x

Price to earnings (times) 8.9x 10.9x 7.4xDividend yield 7.5% 6.3% 5.6%

Long term Baa3 BBB+ BBB+

Short term P-3 F2 A-2

Financial Strength D+ bbb+ -

7,485 Branches

33 Countries

52 Million

Customers

112,605

Employees 19,359

ATMs 622Billion € Assets

North America

• Mexico • Puerto Rico • USA

South America

• Argentina

• Bolivia

• Brazil

• Chile

• Colombia

• Ecuador

• Paraguay

• Peru

• Uruguay

• Venezuela

Europe

• Belgium • France • Germany • Italy • Portugal • Russia • Spain • Switzerland • Turkey • U.K.

Asia - Paci ic

•

Australia •

China •

Hong Kong •

India •

Japan •

Singapore •

South Korea •

Taiwan

Central America

• Panama

•

Abu Dhabi

7,485 Branches

33 Countries

52 Million

Customers

112,605

Employees 19,359

ATMs 622Billion € Assets

North America

• Mexico • Puerto Rico • USA

South America

• Argentina

• Bolivia

• Brazil

• Chile

• Colombia

• Ecuador

• Paraguay

• Peru

• Uruguay

• Venezuela

Europe

• Belgium • France • Germany • Italy • Portugal • Russia • Spain • Switzerland • Turkey • U.K.

Asia - Paci ic

•

Australia •

China •

Hong Kong •

India •

Japan •

Singapore •

South Korea •

Taiwan

Central America

• Panama

•

Abu Dhabi

7,485 Branches

33 Countries

52 Million

Customers

112,605

Employees 19,359

ATMs 622Billion € Assets

North America

• Mexico • Puerto Rico • USA

South America

• Argentina

• Bolivia

• Brazil

• Chile

• Colombia

• Ecuador

• Paraguay

• Peru

• Uruguay

• Venezuela

Europe

• Belgium • France • Germany • Italy • Portugal • Russia • Spain • Switzerland • Turkey • U.K.

Asia - Paci ic

•

Australia •

China •

Hong Kong •

India •

Japan •

Singapore •

South Korea •

Taiwan

Central America

• Panama

•

Abu Dhabi

7,485 Branches

33 Countries

52 Million

Customers

112,605

Employees 19,359

ATMs 622Billion € Assets

North America

• Mexico • Puerto Rico • USA

South America

• Argentina

• Bolivia

• Brazil

• Chile

• Colombia

• Ecuador

• Paraguay

• Peru

• Uruguay

• Venezuela

Europe

• Belgium • France • Germany • Italy • Portugal • Russia • Spain • Switzerland • Turkey • U.K.

Asia - Paci ic

•

Australia •

China •

Hong Kong •

India •

Japan •

Singapore •

South Korea •

Taiwan

Central America

• Panama

•

Abu Dhabi

GEOGRAPHICALLY DIVERSIFIED Net Interest Income€ in millions

CORE CAPITAL EVOLUTION BIS II Regulation€ in millions

6.3%

19,816 20,758

7.1%

June2009

24,929

8.1%

June2010

28,773

9.0%

June2011

June2008

35,924

10.8%

June2012

Core capital Core capital ratio

2Q11 3Q11 4Q11 1Q12 2Q12

3,215 3,286

3,4853,597

3,744

+16.4%

44%

56%

Emerging

Developed

Balanced Diversification

1H12 by market type

SOLVENCYRegulatory Capital Ratios

9.30%

11.01%

13.76%

Tier I Leverage Ratio

Tier I Capital Ratio

Total CapitalRatio

5.00% 6.00% 10.00%

DEBT RATINGS

KEY FACTS ($ IN BILLIONS)

DEPOSITS BY STATE

AssetsLoansDepositsEquity

$66.0 44.5 48.3 10.7

Assets under administrationAssets under management Number of branchesNumber of ATM’s

$6.4 4.8 7091,063

CONTACT INFORMATION

BBVA Compass15 South 20th Street Birmingham, AL 35233205.297.3000

HoustonHouHouSan Antonio

Dallas

Austin

Albuquerque

Tucson

Phoenix

Denver

Birminggham

Montgggomerygg y

MMMobileMobileeee

H ntsvillenHunHunn

Jacksonville

Gainesvillvillevill

Ft. Worth

Lubbock

Las Cruces

El Paso

Laredo

AllenMcAA

umontumBeauumum

Sacramento

San Francisco

Los Angeles

San Diegon Diegon DiegoAtlanta

miMiamm

doOrlandododo

LaJolla

93

79

65

38

45

21

368

Alabama

Arizona

California

Colorado

BRANCHES BY STATE

Florida

New Mexico

Texas

www.bbvacompass.com

Alabama (20.3%)

Arizona (6.5%)

California (5.3%)

Colorado (3.6%)

Florida (4.9%)

New Mexico (1.0%)

Texas (58.4%)

CORPORATE PROFILECompass Bank is a leading U.S. banking franchise

with operations throughout the Sunbelt Region

and ranks among the 20 largest U.S. commercial

banks based on deposit market share. Under

the brand name BBVA Compass, we operate

709 branches in Alabama, Arizona, California,

Colorado, Florida, New Mexico and Texas.

BBVA Compass ranks among the largest

banks in Alabama (2nd), Texas (4th) and Arizona

(5th). BBVA Compass has been recognized as

one of the leading Small Business Administration

(SBA) lenders and ranked 3rd in American

Banker’s 2012 reputation study of the leading 30

banks in the U.S.

Fact Sheet Second Quarter 2012

6.5%

20.3%

4.9%

5.3%

3.6%

58.4%

1.0%

NEWSTop 3 ranking in repuaTion sTudy July 1, 2012

BBVA Compass recently earned third place in American Banker’s third

annual survey of the 30 leading banks in the U.S. Ranked 16th in 2010,

BBVA Compass continued its climb up the rankings, improving on its

fifth place finish in 2011, while earning top five rankings in three of the

five measurement categories including performance, innovation and

workplace.

Mobile banking recognized by pcWorld March 2012

According to a recent poll by PCWorld magazine, BBVA Compass’

mobile banking offerings rank among the best in the banking industry.

The poll singled out our robust set of mobile OS offerings – for iOS,

Android and BlackBerry – and affordable account management fees.

Winner of 10 greenWich excellence aWards January 23, 2012

BBVA Compass earned 10 Greenwich Excellence awards including seven

in the small business segment and three in middle market. The awards,

based on input from more than 13,000 small business customers and

110,000 middle market customers, are given to banks that distinguish

themselves through service, products and lending. BBVA Compass ranked

among the top five percent among the more than 750 banks evaluated.

“Well Capitalized” Guidelines BBVA Compass

E-Mail: ed.bilek@bbvacompass.comFacebook Fan Page: BBVACompassTwitter: Twitter.com/BBVACompass

Moody’sFitchS&P

Long term Baa2 BBB BBB

Short term P-2 F2 A-2

Subordinated Debt Baa3 BBB- BBB-

Branches

Commercial Loan Office

Commercial Loan/Private Client Office