Banco Bilbao Vizcaya - Notice of AGM

RNS Number:0911E
Banco Bilbao Vizcaya S.A.
19 January 2000

The Board of Directors of Banco Bilbao Vizcaya, S.A. has decided to call an
Annual General Meeting for 12.00 noon on Saturday 12 February 2000 at BILBAO
(Palacio Euskalduna, calle Abandoibarra, no.4).

I wish to state that this General Meeting will be the first one held by the new
Banco Bilbao Vizcaya Argentaria, S.A. at which the plans and objectives of the
new Bank will be explained.

At the General Meeting, which will be for information purposes only, the
accounts for the 1999 financial year will be presented, both for Banco Bilbao
Vizcaya, S.A. and for Argentaria, Caja Postal y Banco Hipotecario, S.A. Approval
of these accounts will be submitted to the shareholders at a further General
Meeting.

                                Agenda

Single Item

Presentation of the accounts relating to the 1999 Financial Year, both of Banco
Bilbao Vizcaya S.A. and Argentaria, Caja Postal y Banco Hipotecario, S.A. (at
present in the process of merger) and their Consolidated Groups; and
presentation of the BBVA project.

Prerequisites to attend the meeting:

shareholders of 100 or more shares registered in the Account Register five days,
at least, before the meeting.  The shareholders who owns less of 100 shares will
be able to join its shares for completing a minimum of this number.

According with which is said in the By-law 24th article, the following rule of
delegation for the correspondent attendance card is approved:  "The shareholder
whom the following card has been issued, gives his representation for this
General Meeting to the share holder Mr-------, with voting instructions in favor
of the scheduled proposals and others that could arise with validity, in the
same sense proposed by the Board of Directors, except if another thing is
proposed after...".

END

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