Banco Bilbao Vizcaya Argentaria (BBVA) Corporate presentation summary

Global presence and digital capabilities

• Operates in 27 countries with 5,555 branches and 126,994 employees as of June 2026.

• Serves 82.8 million active clients, with 64.3 million mobile clients.

• Digital sales account for 85% of units and 57% of product relative value.

Financial highlights and performance

• Net attributable profit for 6M26 reached €6,051 million, with total assets of €965,426 million.

• Loans and advances to customers totaled €522,544 million; customer deposits were €532,981 million.

• CET1 ratio stands at 12.90%, above the target range.

• Core revenues grew 17.4% YoY, and total loan growth was 17.7% YoY as of June 2026.

• Efficiency ratio improved to 37.8%, with cost of risk at 1.43%.

Strategic priorities and transformation

• Focus on radical client perspective, scaling enterprise segments, and boosting sustainability.

• Emphasis on value and capital creation, unlocking AI and innovation potential.

• AI transformation strategy includes smart advisors, hyper-personalization, and organization-wide AI tool adoption.