Classification of projects in finance and advisory services according to the Equator Principles
(million euros)
Europe and North America A
TOTAL Europe and
North America
Latin America A
TOTAL Latin America
Asia A
TOTAL Asia
Rest of Group A
Total Rest of Group
TOTAL GROUP
B
C
B
C
B
C
B
C
Figures in million euros.
Category A: Projects with a significant negative impact that may affect a wider area than that considered by the project.
Category B: Projects with a minor negative impact on the human population or on areas of environmental importance.
Category C: Projects with a very small or no impact on the environment.
Scope: BBVA Group.
ENVIRONMEN-
TAL RISK
MANAGEMENT:
ECORATING
Category
No.
operations
0 0.0 0.0 0 0.0 0.0 0 0.0 0.0
11 5,227.5 499.8 1 133.7 9.6 11 4,587.4 831.4
32 6,343.6 1,345.0 11 1,544.3 321.7 7 1,946.0 357.8
43 11,571.1 1,844.8 12 1,678.0 331.3 18 6,533.4 1,189.2
1 639.2 118.3 0 0.0 0.0 1 103.5 19.5
6 1,054.1 76.5 1 437.4 72.9 5 1,826.2 434.9
2 346.8 148.7 0 0.0 0.0 2 56.0 38.0
9 2,040.1 343.5 1 437.4 72.9 8 1,985.7 492.4
0 0.0 0.0 0 0.0 0.0 0 0.0 0.0
1 34.0 18.2 0 0.0 0.0 6 14,414.1 260.3
0 0.0 0.0 0 0.0 0.0 1 1,196.3 49.2
1 34.0 18.2 0 0.0 0.0 7 15,610.4 309.5
0 0.0 0.0 1 1,568.0 42.8 0 0.0 0.0
4 2,753.1 234.7 0 0.0 0.0 6 14,414.1 260.3
1 187.1 39.6 0 0.0 0.0 1 1,196.3 49.2
5 2,940.2 274.3
58 16,585.5 2,480.9 13 3,683.5 447.1 33 24,129.5 1,991.1
BBVA, aware of the
importance of the proper
measurement, assessment and
management of
environmental risk in a company’s credit quality,
continues to foster the use of tools that constantly
record its customers’ environmental risk scores.
Accordingly, 2008 has seen an analysis made
of 252,705 customers in Spain, through the
combination of three groups of variables:
• Pollutant emissions and the demand for
resources.
• Aspects within the company’s environment that
may be directly or indirectly affected by its
operations.
• Legislative pressure and auditing of certain
components in the environment.
2008 2007 2006
Total
amount
Amount
financed by
BBVA
No.
operations
Total
amount
Amount
financed
by BBVA
Environmental risk assessment - Spain
Environmental
risk scale
Low
Medium
High
No.
operations
Notes:
Low: Activities with low or almost insignificant environmental risk regarding their
emissions.
Medium: Activities with moderate or high environmental risk. This bracket
considers companies regardless of their size and economic solvency. In these
groups, moreover, legislative pressure and environmental auditing may constitute
a major risk.
High: Activities with a very high potential environmental risk. One of the main
features of this bracket is that the majority of the companies are large corporations
with economic solvency. They are the ones best prepared to deal with the
challenges or constraints imposed by legislation on environmental protection.
Scope: Spain.
%
Exposure
Total
amount
77.9 82.4
18.6 17.1
3.7 0.5
Amount
financed
by BBVA
%
Customers
RESPONSIBLE FINANCE
Corporate Responsibility Report 2008
33
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