Updated: September 28, 2014

COMPANY TEAR SHEET

BBVA Bancomer, S.A.

Table of Contents
I. Company Information
I/1. Contact Info
I/2. Description
I/3. NAICS Classification
I/4. Performance in Bar Charts Consolid.
I/5. Stock Price Data
I/6. Shareholders (percentage ownership)
II. Financials and Ratios
II/1. Key Financials Consolid.
II/2. Key Financial Ratios Consolid.
II/3. Ratios Consolid.
II/4. Balance Sheet - Interim Consolid.
II/5. Income Statement - Interim Consolid.
II/6. DividendFigures
II/7. Company Analysis

Contact Info
Headquarters
Av. Universidad 1200, Xoco ; Mexico City - Benito
Juarez ; Federal District of Mexico City 03339
Tel: +52 (55) 5621 3434
Fax: +52 (55) 5621 3966
Email: leobardo.ramirez@bbva.bancomer
Website: https://www.bancomer.com/
Status: Listed
Operational Status: Operational
RFC: BBA830831LJ2
Incorporation Date: August 31, 1983

Description
BBVA Bancomer S.A. is a multiple banking institution part of "Grupo Financiero BBVA Bancomer". It offers banking services, raises funds and provides consumer credit
through a network of 1.756 branches and 4.084 ATMs nationwide, also offers credit cards and debit cards, car loans, consumer loans and loans to individuals with business
activities.
Additionally, it provides financial and investment services to high-income individuals through its units "Banca Patrimonial" and "Banca Privada""
In 2009 it merged with BBVA Bancomer Servicios S.A, subsisting BBVA Bancomer S.A.

NAICS Classification
Main Activities: Banking and Credit Intermediation

Performance in Bar Charts Consolid.

Stock Price Data

BBVA Bancomer, S.A. 165.15 2.06% Sep 26

Market Data Provided by Exchange Data

International (EDI)

Shareholders (percentage ownership)

Shareholders (percentage ownership)
Grupo Financiero BBVA Bancomer, S.A. de C.V.

99.9%

Key Financials Consolid.

Name

Y - 2010 Consolid.

Y - 2011 Consolid.

Y - 2012 Consolid.

Y - 2013 Consolid.

BEGIN DATE OF REPORTING PERIOD

2010-01-01

2011-01-01

2012-01-01

2013-01-01

END DATE OF REPORTING PERIOD

2010-12-31

2011-12-31

2012-12-31

2013-12-31

ORIGINAL UNITS AS REPORTED

MXN Millions

1 MXN

1 MXN

MXN Millions

DISPLAYING UNITS

EUR Millions

EUR Millions

EUR Millions

EUR Millions

DISPLAYING UNITS

EUR Millions

EUR Millions

EUR Millions

EUR Millions

CNBV2

BMV-Banks&Fin(since 1999)

BMV-Banks&Fin(since 1999)

CNBV2

Y - 2010 Consolid.

Y - 2011 Consolid.

Y - 2012 Consolid.

Y - 2013 Consolid.

16.53

18.05

17.09

18.01

Total Assets

66,434.47

67,751.49

73,943.76

76,100.51

Current Assets

64,211.27
7,158.87

6,393.37

7,113.38

28,605.78

59,815.46

61,304.02

67,081.92

69,121.02

Total equity

6,619.01

6,447.47

6,861.84

6,979.49

Total Operating Revenue

7,000.33

6,793.97

7,573.09

7,232.83

Operating profit (EBIT)

1,807.13

1,691.45

1,652.97

1,640.57

Net Profit(Loss)

1,382.76

1,319.32

1,357.35

1,711.80

PROVIDER
Name

EXCHANGE RATE USED FOR CURRENCY CONVERSION (*)

Cash & Cash Equivalents

Total Liabilities
Current Liabilities

Key Financial Ratios Consolid.

Name

Y-2010 - Consolid.

Y-2011 - Consolid.

Y-2012 - Consolid.

Y-2013 - Consolid.

RETURN ON ASSETS (ROA)

2.05%

0.00%

1.84e-06%

2.25%

RETURN ON EQUITY (ROE)

20.6%

0.00%

0.00%

24.53%

5,860.23

6,519.18

1003.69%

0.00%

0.00%

1090.35%

Y-2010 - Consolid.

Y-2011 - Consolid.

Y-2012 - Consolid.

Y-2013 - Consolid.

RETURN ON ASSETS (ROA)

2.05%

0.00%

1.84e-06%

2.25%

ANNUALISED RETURN ON ASSETS (ROA)

2.05%

0.00%

1.84e-06%

2.25%

RETURN ON EQUITY (ROE)

20.6%

0.00%

0.00%

24.53%

ANNUALISED RETURN ON EQUITY (ROE)

20.6%

0.00%

0.00%

24.53%

EXCHANGE RATE USED FOR CURRENCY CONVERSION (*)

PROFITABILITY RATIOS

VALUATION FIGURES AND RATIOS

BOOKVALUE (BV)

LEVERAGE RATIOS
LEVERAGE RATIO

Ratios Consolid.
Name

EXCHANGE RATE USED FOR CURRENCY CONVERSION (*)

PROFITABILITY RATIOS

RETURN ON SALES (ROS)

0%

VALUATION FIGURES AND RATIOS

BOOKVALUE (BV)

5,860.23

6,519.18

0.00%

0.00%

LEVERAGE RATIOS
LEVERAGE RATIO

1003.69%

1090.35%

TREND RATIOS
NET INCOME TREND

22.2%

33.17%

Balance Sheet - Interim Consolid.

Name

M09C-2013 - Consolid. Y-2013 - Consolid. M03C-2014 - Consolid.

M06C-2014 - Consolid.

BEGIN DATE OF REPORTING PERIOD

2013-01-01

2013-01-01

2014-01-01

2014-01-01

END DATE OF REPORTING PERIOD

2013-09-30

2013-12-31

2014-03-31

2014-06-30

ORIGINAL UNITS AS REPORTED

MXN Millions

MXN Millions

MXN Millions

MXN Millions

DISPLAYING UNITS

EUR Millions

EUR Millions

EUR Millions

EUR Millions

AUDITED

Non-Audited

Non-Audited

Non-Audited

Non-Audited

CNBV2

CNBV2

CNBV2

CNBV2

M09C-2013 - Consolid. Y-2013 - Consolid. M03C-2014 - Consolid.

M06C-2014 - Consolid.

PROVIDER
Name

EXCHANGE RATE USED FOR CURRENCY CONVERSION (*)

17.79

18.01

18.01

17.71

73,007.27

76,100.51

79,577.78

83,199.00

6,250.69

7,028.28

7,738.94

6,189.26

208.34

314.89

278.12

445.78

19,826.82

21,577.50

24,259.84

25,373.49

69.26

2.73

0.00

0.00

0.00

0.00

0.01

0.00

3,782.08

3,517.95

3,671.81

4,240.24

90.95

72.14

88.31

141.35

36,976.29

38,366.50

38,455.25

39,815.72

18,999.05

20,240.54

20,164.58

20,932.83

CONSUMER LOANS

9,847.88

10,010.84

10,061.84

10,445.64

MORTGAGE CREDITS

8,129.36

8,115.13

8,228.82

8,437.24

1,376.55

1,250.68

1,220.55

1,259.49

COMMERCIAL PORTFOLIO

380.16

315.95

299.73

284.39

CONSUMER LOANS

439.35

411.24

389.71

431.24

MORTGAGE CREDITS

557.04

523.49

531.11

543.86

-1,601.69

-1,513.14

-1,491.13

-1,516.01

COMMERCIAL PORTFOLIO

-375.80

-339.17

-333.16

-323.64

CONSUMER LOANS

-792.76

-774.23

-764.75

-803.94

MORTGAGE CREDITS

-244.97

-228.68

-221.17

-235.09

-18.38

-16.51

-10.99

-16.08

-169.78

-154.55

-161.05

-137.26

113.37

111.63

107.07

108.42

3,278.01

2,741.02

2,519.46

4,308.53

Assets
FUNDS AVAILABLE
MARGIN ACCOUNTS
INVESTMENTS IN SECURITIES
REPURCHASE AGREEMENTS RECEIVABLE
SECURITIES' LOAN
DERIVATIVE FINANCIAL INSTRUMENTS TRANSACTIONS
VALUTATION ADJUSTMENTS FOR ASSETS COVERAGE OR HEDGE
LOAN PORTFOLIO
COMMERCIAL PORTFOLIO

NON-PERFORMING LOAN PORTFOLIO

LOAN-LOSS PROVISIONS (ALLOWANCES FOR LOAN-LOSSES)

CONTINGENT OPERATIONS AND GUARANTEES

ADDITIONAL LOAN LOSS PROVISIONS
BENEFITS FROM STOCK EXCHANGE TRANSACTIONS RECEIVABLE
OTHER RECEIVABLE

ASSETS ACQUIRED THROUGH JUDICIAL PROCCEDINGS

443.17

421.93

427.64

426.15

1,109.31

1,212.35

1,253.72

1,332.07

PERMANENT INVESTMENTS

196.68

238.38

243.35

263.39

DEFERRED TAXES AND EMPLOYEE PROFIT SHARING (CHARGE)

488.20

296.42

312.90

331.69

OTHER ASSETS

399.21

461.24

491.95

479.44

65,969.56

69,121.02

72,305.43

75,585.18

38,741.70

39,536.49

39,742.33

42,931.79

27,885.80

29,218.51

29,003.42

31,255.42

TIME DEPOSITS

7,808.56

7,230.65

7,458.52

8,002.10

BONDS

3,047.34

3,087.33

3,280.39

3,674.27

792.50

1,771.22

1,980.41

3,185.25

ASSIGNED SECURITIES TO LIQUIDATE

0.00

0.00

173.91

0.00

REPURCHASE AGREEMENTS PAYABLE

11,928.78

14,228.38

14,495.92

12,731.23

0.06

0.04

0.05

0.08

COLLATERALS SOLD OR GIVEN IN WARRANTY

2,746.48

2,454.58

3,416.78

2,913.49

DERIVATIVES

4,157.29

3,676.85

3,796.98

4,568.23

37.70

16.86

45.03

86.69

3,347.00

3,457.35

4,664.96

5,134.33

1,381.67

1,202.18

1,262.00

1,425.24

3,807.70

3,587.27

3,565.51

3,620.20

410.35

391.99

423.56

413.90

7,037.70

6,979.49

7,272.35

7,613.82

2,240.80

2,213.43

2,213.43

2,250.92

CAPITAL STOCK

281.06

277.62

277.62

282.33

NON-EXHIBITED STOCK CAPITAL

-42.56

-42.04

-42.04

-42.75

ADDITIONAL PAID-IN CAPITAL

1,118.34

1,104.68

1,104.68

1,123.39

ADDITIONAL PAID-IN CAPITAL

883.96

873.16

873.16

887.95

4,796.90

4,766.06

5,058.92

5,362.90

386.81

382.09

382.09

388.56

2,845.16

2,537.97

4,135.52

4,008.09

109.98

61.18

73.77

127.24

79.13

65.65

59.01

58.90

7.74

7.38

7.27

7.19

1,368.08

1,711.80

401.26

772.92

184,792.48

182,538.45

189,647.69

196,548.54

PROPERTY, FURNITURE AND EQUIPMENT

Liabilities
FUNDING
ON DEMAND DEPOSITS

BANK LOANS AND FROM OTHER AGENCIES

SECURITY'S LOANS

VALUATION ADJUSTMENTS FOR FINANCIAL LIABILITIES COVERAGE

OTHER ACCOUNTS RECEIVABLES
ACCRUALS AND OTHER PAYABLES
SUBORDINATED DEBENTURES OUTSTANDING
DEFERRED CREDITS
Stockholders' Equity
STOCKHOLDERS' EQUITY CONTRIBUTED CAPITAL

EARNED CAPITAL
CAPITAL RESERVES
RETAINED EARNINGS (LOSSES) OF PRIOR YEARS
EARNINGS (LOSSES) FROM VALUATION OF AVAILABLE FOR SALE SECURITIES
EARNINGS (LOSSES) FROM CASH FLOW HEDGE VALUATION
NET LOSS OR GAIN FROM CUMULATIVE TRANSLATION ADJUSTMENTS
NET RESULT
Memorandum Accounts

Income Statement - Interim Consolid.

Name

M09C-2013 - Consolid.

Y-2013 - Consolid.

M03C-2014 - Consolid.

M06C-2014 - Consolid.

BEGIN DATE OF REPORTING PERIOD

2013-01-01

2013-01-01

2014-01-01

2014-01-01

END DATE OF REPORTING PERIOD

2013-09-30

2013-12-31

2014-03-31

2014-06-30

ORIGINAL UNITS AS REPORTED

MXN Millions

MXN Millions

MXN Millions

MXN Millions

DISPLAYING UNITS

EUR Millions

EUR Millions

EUR Millions

EUR Millions

AUDITED

Non-Audited

Non-Audited

Non-Audited

Non-Audited

CNBV2

CNBV2

CNBV2

CNBV2

M09C-2013 - Consolid.

Y-2013 - Consolid.

M03C-2014 - Consolid.

M06C-2014 - Consolid.

17.79

18.01

18.01

17.71

4,298.00

5,714.06

1,504.04

3,072.82

123.80

159.04

34.79

71.68

5.00

6.81

2.21

4.07

715.02

967.35

285.67

570.16

54.82

65.71

2.92

7.16

1.54

2.63

1.22

4.02

3,271.74

4,342.90

1,129.46

2,330.20

FROM NON-PERFORMING LOAN PORTFOLIO

14.04

18.12

3.72

7.41

COMMISSIONS FROM THE INITIAL GRANTING OF CREDITS

41.82

56.30

15.20

30.90

PREMIUMS (CHARGE)

0.02

0.02

0.05

0.09

PAID-IN DEBT OFFERING

7.97

10.52

2.61

4.74

DIVIDENDS

2.59

4.87

0.15

3.29

59.64

79.78

26.04

39.09

1,237.66

1,619.60

384.35

764.81

FROM DEMAND DEPOSITS

167.13

210.68

51.34

108.17

FROM TIME DEPOSITS

199.37

256.50

52.97

111.91

FROM BONDS

96.24

124.66

28.02

61.08

FROM BANK LOANS AND FROM OTHER AGENCIES

30.47

39.64

12.37

22.81

FROM SUBORDINATED DEBENTURES OUTSTANDING

176.48

230.85

56.36

88.67

FROM SECURITIES LOANS AND REPURCHASE AGREEMENTS PAYABLE

480.37

627.71

144.91

299.80

0.35

1.08

0.98

1.98

63.56

85.87

17.56

48.00

DEBT OFFERING DISCOUNTS

2.12

2.80

0.71

1.51

DEBT OFFERING OR ISSUING EXPENSES

1.29

1.81

1.32

3.42

EXPENSES ASSOCIATED TO INTIAL GRANT OF MORTGAGES

2.31

3.40

1.61

3.63

REVALUATION LOSS

17.96

34.61

16.19

13.82

Net Margin Loss (Earn)

3,060.35

4,094.45

1,119.69

2,308.01

Preventive reserve for possible credit risks

1,008.40

1,306.66

312.68

689.52

Net margin loss adjusted by credit risk

2,051.95

2,787.80

807.01

1,618.49

Comissions and tariffs colected

1,136.97

1,518.77

379.92

784.57

Comissions and tariffs paid

356.57

475.73

113.30

229.42

Gain on brokerage activities

98.90

161.25

70.20

104.67

Loss (gain) for intermediation restatement

19.83

-4.52

7.05

14.50

Administrative expenses

1,779.79

2,347.01

628.82

1,293.83

Operating loss or profit

1,171.29

1,640.57

522.05

998.99

18.22

25.81

5.43

11.97

1,189.51

1,666.38

527.48

1,010.96

Income taxes current

367.23

285.05

149.42

303.12

Income taxes deferred (Net)

-95.79

-303.31

23.19

65.08

PROVIDER
Name

EXCHANGE RATE USED FOR CURRENCY CONVERSION (*)

Interest revenue
FROM FUNDS AVAILABLE
FROM MARGIN ACCOUNTS
FROM INVESTMENTS IN SECURITIES AND DEPOSITS
FROM REPURCHASE AGREEMENTS PAYABLE
FROM HEDGING OPERATIONS
FROM LOAN PORTFOLIO

APPRECIATION PROFIT
Interest expense

SECURITY'S LOANS PREMIUMS (CHARGE)

PAID PREMIUM IN SECURITIES INVESTMENTS

Participation in subsidiaries and associates

Earnings before taxes

Net income before discounted operations

726.48

1,078.03

401.26

772.92

Discounted operations

641.60

633.76

0.00

0.00

Net result

1,368.08

1,711.80

401.26

772.92

Majority net result

1,368.08

1,711.80

401.26

772.92

Dividend
October 29, 2013

0.1337 USD

Company Analysis
According to the Consolidated - Non-Audited financial statement for the first nine cumulated months of 2012, total net operating revenues increased with 4.27%, from MXN
90,091.133 millions to MXN 93,940.365 millions. Operating result decreased from MXN 21,753.948 millions to MXN 20,204.843 millions which means -7.12% change. The
results of the period increased 1.58% reaching MXN 16,822.387 millions at the end of the period against MXN 16,560.77 millions last year. Return on equity (Net
income/Total equity) went from 14.48% to 14.46%, the Return On Asset (Net income / Total Asset) went from 1.41% to 1.30% and the Net Profit Margin (Net Income/Net
Sales) went from 18.38% to 17.91% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 1009.58% compared to
925.15% of last year.

Please note that EMIS is a distributor (and not a publisher) of the content included in this report. The report was compiled from the information, statements or documents provided by third party data
providers. Under no circumstances will the Company be liable for any loss or damage caused by decision based on this report or information obtained through the Service . It is the responsibility of the
user to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available from EMIS"

Copyright 2014 EMIS, all rights reserved.

A Euromoney Institutional Investor company.