Francisco Gonzalez, President of Spanish bank BBVA, waits before
posting earnings for 2002 during a presentation in Madrid on January
30, 2003. Spain's No.2 bank BBVA reported a surprise 27.3 percent slide
in 2002 profit on Thursday, seizing on a bad year in Latin America to
clear the decks with hefty exceptional charges and ready itself to
expand overseas. REUTERS/Desmond Boylan

DB/WS