Banco Bilbao Vizcaya Argentaria (BBVA) BBVA Strategic Talks: Enterprises summary

Strategic priorities and structural strengths

• Focus on scaling enterprise segments and reinforcing commitment to become the partner of choice for businesses across all segments.

• Emphasis on structural strengths: geographic diversification in under-leveraged economies, leading local franchises, and a culture of innovation and digital capabilities.

• Strategic plan centers on radical client perspective, sustainability, profitable growth, value and capital creation, AI, and talent.

• AI and data are leveraged to anticipate client needs, automate processes, and enhance customer experience.

• Commitment to outperform competition through disciplined execution and purposeful capital allocation.

Commercial banking and enterprise segment strategy

• Commercial banking serves 225,000 clients, managing €110bn in loans and €85bn in resources, with 10% growth in 2025.

• Resegmentation implemented to align clients with optimal relationship models, aiming to be the primary bank for clients.

• AI-driven tools enhance relationship manager effectiveness, streamline credit processes, and reduce friction.

• Profitability metrics: 4.36% return on risk-weighted assets, 36% return on regulatory capital, and low cost of risk (28bps) and NPL ratio (1.18%).

• Growth focus on mid-size companies, public sector, and sustainability, with industrialized operating models and specialized advice.

Competitive advantages and innovation

• Strong local presence combined with global capabilities, supported by 400 specialized branches and 2,000 RMs.

• Universal banking model integrates commercial, CIB, and retail offerings, maximizing cross-selling and synergies.

• Sustainability embedded in value proposition, with €50bn mobilized in sustainable financing in Commercial, up 49% year-on-year.

• Innovation culture drives digital transformation and positions the group to lead in AI adoption.