2nd. Interim Dividend

Banco Bilbao Vizcaya Argentaria SA
25 September 2002


                     BANCO BILBAO VIZCAYA ARGENTARIA, S.A.

                     SECOND INTERIM DIVIDEND FOR YEAR 2002


The Board of Directors of Banco Bilbao Vizcaya Argentaria, S.A., in the meeting
held today, has approved the payment of 0.09 euros per share, as second interim
dividend for year 2002.


Gross dividend

        0.09 euros per share.


Withholding tax rate

        18%


Business days

        Record :          October 9th, 2002

        Ex-dividend:      October 10th, 2002

        Payment:          Upon October 10th, 2002


                                                             September 25th 2002


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