Company Profile For Banco Bilbao Vizcaya Argentaria, S.A.

Banco Bilbao Vizcaya Argentaria SA (BBVA) is a diversified international financial group. Its business is structured in four areas: Spain and Portugal area, comprising retail banking, business banking, personal banking and all the operations with small and mid-size enterprises (SMEs), consumer finance, insurance and BBVA Portugal; the Global Business area, which includes all the customer activities in Europe, America and Asia, as well as real estate projects and investment banking; the Mexico and South America areas, covering the activities of the Group’s subsidiaries in this region, including pension-fund managers, insurance companies and international private banking business, and the United States (USA) business area, consisting of five divisions: Banking business in Texas, BBVA Bancomer USA, BBVA Puerto Rico, Bancomer Transfer Services (BTS) and BBVA Finanzia USA.

BRIEF: For the nine months ended 30 September 2009, Banco Bilbao Vizcaya Argentaria S.A.'s net interest income increased 18% to EUR10.58B. Net interest income after loan loss provision remained flat at EUR6.9B. Net income for the period decreased 7% to EUR4.18B. Net interest income reflects an increase in loans issued in the Spain&Portugal, Wholesale Banking and The United States business segments. Net income was offset by lower other gains and losses, net.