IAS-Effects on 2004 results

Banco Bilbao Vizcaya Argentaria SA
29 April 2005




OTHER COMMUNICATIONS


In order to facilitate the analysis and the monitoring of quarterly results soon
to be published, and following the announcement made on February 21, BBVA
provides a presentation, with information  restated by quarters and by business
areas, regarding BBVA's estimation of the effects on the 2004 results deriving
from the application of the International Accounting Standards.







                                                         Madrid, April 29,  2005


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