How digital technology is reinventing bankingLes Journées de L’AFTE

19th of November 2019

Natalia EspañolRegulation Senior ManagerDigital Regulation and Trends BBVA

Les Journées de L'AFTE 1

Convergence of sectors in the 4th Industrial Revolution

Financial Regulation

Currentaccounts

FX

MortgagesDepositsLoans

Payments

4th Industrial Revolution

• Mobile• Artificial

Intelligence• Big Data• Cloud• Blockchain

Financial IndustryNew Technologies

Shifting Customers and Needs

New business Models

2Les Journées de L'AFTE

Help clients achieve their life goals

Have a significant impact on the lives of people and businesses

To bring the age of opportunity to everyone

New Standard in customer experience

Digital sales

New Business Models

Optimize capital Allocation

Unrivaled efficiency

BBVA Strategic Priorities

A first class workforce

3Les Journées de L'AFTE

New Standard in customer experience

Helping our customersTo make the best financial decision offering relevant advice

Providing the best solutionsThat generate trust for our customers, being clear, transparents and base on integrity

Easy and convenient experienceMobile is the preferred option for BBVA's digital customers (65% BBVA Group)

Jun-17 Jun-18

DIGITAL CUSTOMERS (Mn, % YoY growth)

Penetration %

19.9 Mill25.4 Mill

48%40% 54%

Jun-19

29.7 Mill

BconomyBBVA Valora

BBVA Invest

Program account

4Les Journées de L'AFTE

Trust is the cornerstone of the digital economy

Trust

Consent

Client’sDataKnowledge

ValueAdded

Without trust there is no data, without data there is no creation of value and without creation of value there are

no opportunities for people

Virtuous circle

5Les Journées de L'AFTE

New Business Models

How digital technology is reinventing bankingLes Journées de L’AFTE

19th of November 2019

Natalia EspañolRegulation Senior ManagerDigital Regulation and Trends BBVA