Banco Bilbao Vizcaya Argentaria (BBVA) Corporate presentation summary

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.