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Banco Bilbao Vizcaya Argentaria
Banco Bilbao Vizcaya Argentaria (BBVA) investor relations material
Banco Bilbao Vizcaya Argentaria Corporate presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Corporate presentation summary20 Feb, 2026
Global presence and digital capabilities
Operates in over 25 countries with 5,642 branches and 127,174 employees as of December 2025.
Serves 81.2 million active clients, with 62.6 million mobile clients.
Digital sales represent 79% of units and 57% of product relative value.
Financial performance and key metrics
Net attributable profit reached €10.511 billion in 2025, with total assets of €859.6 billion.
Loans and advances to customers totaled €472.7 billion; customer deposits were €502.5 billion.
CET1 ratio stood at 12.70%, above the target range.
Net interest income grew by 13.9% and net fees by 14.6% versus 2024; efficiency ratio improved to 38.8%.
Cost of risk was 1.39%, with sound asset quality metrics.
Strategic priorities and digital transformation
Focus on embedding a radical client perspective, scaling enterprise segments, and boosting sustainability.
Promotes value and capital creation, and aims to unlock AI and innovation potential.
Strategic partnership with OpenAI to enhance customer-centricity and operational efficiency.
Clear AI roadmap with eight strategic initiatives, showing early positive adoption and impact.
Sustainable business target progress 2025-2029
Early impact of AI adoption and OpenAI partnership
Inflation impact on Turkey and Argentina NAP
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Next Banco Bilbao Vizcaya Argentaria earnings date
Q1 202630 Apr, 2026
Banco Bilbao Vizcaya Argentaria
Next Banco Bilbao Vizcaya Argentaria earnings date
Q1 202630 Apr, 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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