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Edge28 Nov 2025
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Banco Bilbao Vizcaya Argentaria (BBVA) investor relations material
Banco Bilbao Vizcaya Argentaria JP Morgan European Financials Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.JP Morgan European Financials Conference summary20 Nov, 2025
Strategic focus and market positioning
Strategy prioritizes high-quality, large-scale franchises in select countries, focusing on sustainable profitability and competitive advantage.
Exited several markets to concentrate on regions with growth potential and scale, overlaying digital and sustainability strategies.
Achieved 19.7% ROT, 16% lending growth, and 17% growth in tangible value per share plus dividends, with a plan to maintain ambitious targets.
Plans to distribute around €36 billion in capital over the next four years, supporting a consistent capital return story.
Spain: Growth, profitability, and digital transformation
Outperformed the market in loan growth, focusing on profitable segments like consumer loans and SMEs.
Gained 3 million clients since 2022, with over 50% onboarded digitally, driving future profitability.
Enhanced branch productivity by increasing specialized roles and leveraging digital banking.
Targets mid-single digit growth above the market, with efficiency ratios in the low 30s and stable customer spreads.
Expects slight margin compression in Q4, followed by stable spreads and activity-driven growth.
Mexico: Structural growth and market leadership
Maintains a structurally positive outlook, supported by resilient macro conditions and low private sector leverage.
Achieved high single-digit growth in loans and deposits, with strong performance in retail and SME segments.
Asset management grew 18.5% year on year, reinforcing leadership in the sector.
Loan-to-deposit ratio managed around 105%, prioritizing profitability and liquidity.
Expects high single-digit growth and stable customer spreads as rates decline.
Key drivers for Turkey's higher expected contribution?
Trade-offs of Spain's price discipline
What factors could alter the 12% CET1 target?
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Next Banco Bilbao Vizcaya Argentaria earnings date
Q4 20255 Feb, 2026
Next Banco Bilbao Vizcaya Argentaria earnings date
Q4 20255 Feb, 2026
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Frequently asked questions
Banco Bilbao Vizcaya Argentaria S.A. is a multinational financial services group providing retail, corporate, and investment banking, asset management, and insurance services. It operates primarily in Spain, Mexico, Turkey, South America, and the United States. The company is headquartered in Bilbao, Spain, and its shares are listed on the BME.
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