Francisco Gonzalez, chairman of Spain's second-largest bank BBVA, speaks during a news conference to present the company's annual results at its headquarters in Madrid February 2, 2011. Higher funding costs cut into BBVA's income last year as erratic wholesale markets and a Spanish deposit price war overshadowed a robust performance by Spain's second-biggest bank in Latin America. REUTERS/Juan Medina (SPAIN - Tags: BUSINESS)