Fourth Quarter 2011 

BRANCHES BY STATE CORPORATE PROFILE 

l<)sAngele:s 

••• <!I 

. 

, laJo1Ja 

Sa~D!ego • 

Tucsonfh • . 

• GLasCruces 

iii:E1Paso 

93 

78 

65 

37 

45 

21 

371 

41 Jacksonville 

Galnesvme41!1 • 

.· 

Compass Bank is a leading U.S. banking 

franchise with operations tl1roughout the 

Sunbelt Region ancl tanks among the 25 

largest U.S. commer·cial banks basecl on 

deposit market share. Under tile brand name 

BBV A Compass, we operate 710 branches in 

Alabama. Arizona, California, Colorado. Floricla, 

New Mexico and Texas. 

www.bbvacompass.com 

BBV A Compass ranks among t11e largest 

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

(5th). BBV A Compass l1as been recognized 

as 011e of tl1e nation's leading Small Business 

Administratiotl (SBAl lenders. ear·ning 'Lender 

of tile Year' llOtlots in 2009 anc! 2010. 

KEY FACTS($ IN BILLIONS) 

Assets $63.1 

Loans 42.1 

Deposits 46.2 

Equity 104 

DEPOSITS BY STATE 

Alabama (195%) 

Arizona (62%) 

California (5.1%) 

Colorado (42%) 

Florida (4 6%) 

New Mexico (15%) 

Texas (589%) 

SOLVENCY 

Regulatory Capital Ratios 

TiEer I Leverage 

Ratio 

Assets unc!er aclministr·atiorl $6.2 

Assets under management 4.7 

Number of brancl1es 710 

Number· of ATM's 1,053 

Tier I Capital 

Ratio 

14.24% 

Total Capital 

Ratio 

"Well Capitalized" Guidelines BBVA Compass 

NEWS 

WINNER OF 10 GREENWICH EXCELLENCE AWARDS Janua1y 23,2012 

BBVA Compass earned 10 Greenwich Excellence awar·ds including 

seven in tile small business segment and tllr·ee in midclle mar·ket. 

Tile awarcls. based on input from mme than 13,000 small business 

customer·s and 11,000 midclle market customers. are given to banks t11at 

distinguish tl1emselves tl1rougl1 service, products and lencling. BBVA 

Compass ranked among tile top five percent among tile mme than 750 

banks evaluated. 

TOP 5 RANKING IN REPUTATION STUDY May 23.2011 

BBVA Compass r·anked among tile Top 5 banks accmcling to American 

Banker's second annual survey of tile country's 30 most reputable 

banks. Making tile biggest jump of any IJank on tile list (up 11 slots). BBVA 

Compass earned its l1igl1est scme in the leader·sllip category, wl1icl1 

measur·es tile availability and str·erlgtll of its management team. 

RETAIL BANI< 'BRAND OF THE YEAR' Marc/128. 2011 

BBVA Compass earned top l1onors as Retail Bani< 'Br-and of tl1e Year' 

according to a national Harris Poll EquiTt·encl'" stucly. BBVA Compass 

r·eceivecl a score of 62.3. more t11an five points ahead of tl1e next bank 

and well-aiJove tile industry average of 51.6 points 

DEBT RATINGS 

Moody's 

Fitch 

S&P 

Long term 

A3 

AAShort term 

P-2 

F1 

A-2 

Subordinated Debt 

Baa1 

BBB+ 

BBB+ 

CONTACT INFORMATION 

BBV A Compass 

15 Soutll 20th Street 

Birmingham. AL 35233 

2052973000. 

E-Mail: ed.bilek@bbvacompass.com 

facebool< fan Page: BBVACompass 

Twitter: Twitter.com/BBVACompass 
North America 

. Mexico 

• Puerto Rico 

·USA 

Central America 

• Panama 

South America 

• Argentina 

·Bolivia 

• Brazil 

• Chile 

·Colombia 

·Ecuador 

• Paraguay 

•.Peru 

• Uruguay 

. Venezuela 

CORPORATE PROFILE 

Asia - Pacific 

·Australia 

. China 

·Hong Kong 

. India 

·Japan 

• Singapore 

• South Korea 

• Taiwan 

BBVA is an international financial services gmup with approximately 

$800 billion in total assets. 50 million clients. 7,400 br·anclles 

and approximately 111,000 employees in mme than 30 countries. 

BBVA provides its customers around the world with a full range of 

financial services including commercial and wholesale banking, retail 

banking ser-vices, consumer loans, mortgages, credit cards, securities 

bmker·age, wealth management, pension plan management and 

irlsurance. The BBVA Gmup maintains a leadersllip position in Spain. 

Mexico, Latin Amer·ica and the Sunbelt Region of tile United States. 

as well as operations in China. Fr·ance. Germany, Hong l<ong, Italy, 

Japan, Singapor·e, Switzerland, Turkey, ancl tile United l<ingdom BBVA 

mdinary shares are traded through the Madrid Stock Excilarlge under· 

the symbol BBVA and American Depository Silares CADS) are traded 

on the New Yor·k Stock Exchange under tile symbol BBVA. 

FINANCIAL HIGHLIGHTS 

2011 2010 2009 

(billion euros) 

Assets 597.7 552.7 535.1 

Lending (gross) 36l3 348.3 332.2 

Customer funds 282.2 275.8 2542 

Equity 40.1 37.5 30.8 

Return on equity 8.0% 15.8% 16.0% 

Retum on assets 0.61 0.89 0.85 

Efficiency ratio 48.4 42.9 40.4 

NPA ratio 4.0 4.1 4.3 

NPA cover·age ratio 61 62 57 

Mar·ket capitalization (million euros) 32,753 33,951 37,124 

Book value per share Ceuros) 8.35 8.17 8.43 

Price to bool< (times) 0.8x 0.9x 1.2x 

Price to earnings (times) 10.9x 7.4x 7.6x 

Diviclend yield 6.3% 5.6% 4.3% 

Europe 

• Belgium 

• France 

• Germany 

• Italy 

• Portugal 

• Russia 

• Spain 

• Switzerland 

• Turl<ey 

• U.K. 

GEOGRAPHICALLY DIVERSIFIED 

Net Attributable profit by region' 

Soutl1 

America 

Mexico 

United Slates 

EurAsia 

+- ExcJuc!rng cornorate activit1es awl impuir ment of ooodwill 

SOLVENCY 

European Banking Authority 

proforma core capital ratio 

7.1% 

September 

2011 

DEBT RATINGS 

1.6% 

Core capital 

generated 

Moody's 

Fitch 

S&P 

Long term 

Aa3 

Short term 

P-1 

A F1 

A A-1 

Fourth Quarter 2011 

www.bbva.com 

Gross Income 

by Region* 

8.7% 

December 

2011 

Financial Strength 

Ba+