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Innovation and the ability to anticipate change are central to BBVA’s identity and have shaped its evolution over the years. This year, the bank dedicated its Values Day to exploring how employees can harness the opportunities offered by artificial intelligence (AI) to reinvent how they work, guided by BBVA’s corporate values. The event brought together employees from around the world to share perspectives and explore new ways to collaborate, make decisions, and deliver greater value to clients.

DBRS Ratings has upgraded BBVA's credit rating from A (high) to AA (low), with a stable outlook. The credit rating agency positively assessed “the group's track record of profitability, which has remained at very high levels and demonstrated strong resilience across different interest rate cycles and amid uncertain macroeconomic and geopolitical conditions.”

Garanti BBVA has been named ‘Best Consumer Digital Bank in Turkey at Global Finance’s World’s Best Digital Bank Awards. In 2025, Garanti BBVA delivered a digital banking experience powered by artificial intelligence, real-time data, and personalization technologies to its 17.9 million active mobile banking clients.

Moving from ambition to action on climate change is possible. Ahead of COP31, BBVA has taken on this effort around six major challenges related to some of the themes of the Climate Summit Presidency’s Agenda for Action: financing electrification and sustainable infrastructure at scale; making clean technologies (‘cleantech’) financeable; supporting sustainability throughout the value chain; promoting the resilience, conservation and regeneration of natural capital; fostering inclusive sustainability; and contributing to a sustainable financial system.

Techstars Startup Weekend Urla, held October 9–11 at the Bilişim Vadisi İzmir Campus under Garanti BBVA’s main partnership with Techstars Istanbul, brought together 74 entrepreneurs over three days. Nineteen teams reached the final pitches, with SPARK taking first place.

COP31 has two complementary agendas: the negotiating agenda, where countries debate and adopt decisions on climate policy, and the Action Agenda, which promotes voluntary initiatives by governments and other actors. The main differences lie in who participates and how the agreements are implemented.

The bank renews its partnership with Zorlu PSM and launches Garanti BBVA Young Ticket, an initiative offering 25% discounts to young people aged 18 to 25 and 50% discounts to Bonus Genç customers.

The €150 million transaction is executed through a new blockchain-based platform developed by ioBuilders together with the two banks and represents a major technological step forward in the digitalisation of the syndicated loan market.

As artificial intelligence accelerates demand for digital infrastructure, financing data center developments is becoming increasingly complex. Beyond the scale of investment required, financial institutions must understand how power availability, construction schedules and customer commitments influence when capital is needed and how projects progress.

This Wednesday, October 14, BBVA will resume the execution of its extraordinary share buyback programme of up to €2 billion euros, announced on July 30. Following the completion of the first tranche of €1 billion euros, the bank will repurchase shares for a further maximum amount of €1 billion euros.

BBVA has become the first European bank to join the Personal Agent Protocol (Poppy) initiative to help develop a common protocol that enables secure interactions between artificial intelligence (AI) agents and businesses. Led by Sierra AI and Meta, the project brings together 35 design partners from the technology, financial services and e-commerce sectors to advance a model of digital services in which AI agents can carry out tasks on behalf of users, with their consent and under their control. BBVA places customers at the heart of its artificial intelligence strategy, with a particular focus on security, privacy and control over the use of this technology.

An electrocontinent is a continent where electricity plays a greater role than fossil fuels in sectors such as transportation, industry, and buildings. The European Union (EU) aims to move toward this model through its Electrification Action Plan, published in July 2026.

BBVA supports the joint statement from global corporate leaders ahead of COP31 in Türkiye, underscoring that “the low-carbon transition is a strategic opportunity,” and urging regulators to create “predictable policy frameworks that unlock innovation and investment.” The letter also calls for scaling up international climate finance for developing economies. Chairs and CEOs from the World Economic Forum’s Alliance of CEO Climate Leaders,  including BBVA Chair Carlos Torres Vila, have endorsed the letter.

The bustle of trading floors has given way to data-driven precision. Today, trading desks operate as high-tech hubs where the ability to process information in milliseconds can make all the difference. At BBVA, artificial intelligence acts as a force multiplier for human expertise: teams rely on advanced models to analyze vast volumes of data, optimize pricing and streamline execution. Machines handle real-time calculations, allowing professionals to focus on where they add the most value: strategic judgment and control.

Javier Rodríguez Soler, BBVA’s Global Head of Sustainability and Corporate & Investment Banking (CIB), will co-chair the Climate Finance and Investments Working Group at the COP31 Business Forum. Convened alongside the Climate Summit taking place in Türkiye in November, the group will tackle barriers to mobilizing climate finance and develop recommendations for the COP31 Presidency.

The race to build computing capacity for artificial intelligence is reshaping data center financing in the United States. As projects become larger, more capital-intensive and increasingly developed in phases, sponsors need financing that can adapt to changing capital requirements while still providing certainty of execution on increasingly compressed timelines.

Power system flexibility is the system's ability to adjust electricity generation, consumption, storage and exchanges in response to changes in supply and demand. Its purpose is to keep the grid balanced and safely integrate higher levels of renewable generation.

BBVA is entering a new phase from a position of leadership and credibility, following years of transforming its business model and building relationships with its customers. In the current environment, the bank aims to accelerate its growth in Spain by focusing on three levers: expanding its customer base, deepening customer relationships and increasing its presence in higher-value businesses such as the enterprise segments, insurance and Global Wealth. Artificial Intelligence (AI) will be the key accelerator in this new phase, with customers at the heart of the transformation and an increasingly simple, hyper-personalized and specialized experience. This was highlighted by BBVA’s country manager in Spain, Peio Belausteguigoitia, during a meeting with analysts and investors.

BBVA is the bank with the most mature artificial intelligence strategy in Spain and the eurozone, according to the international Evident AI Index. The report recognises the bank’s progress in embedding AI across its business to create more personalised and intelligent banking for its customers, while also placing it at the global forefront of developing AI-skilled talent.

BBVA has presented the evolution of its artificial intelligence (AI) strategy at an event with analysts and investors, introducing ‘The Frame’, a new common framework for creating, deploying, managing and governing AI agents at scale. After focusing its efforts over the past year on developing specific use cases, the bank is now advancing this standard to extend the technology across the organisation and move forward with its transformation. Carlos Torres Vila, Chair of BBVA, explained that this capability will be critical to delivering more proactive and personalised banking, always for the benefit of customers.

BBVA is strengthening its commitment to high-net-worth clients with the launch of Global Wealth, a new umbrella brand bringing together the Premium, Private Banking and Ultra High Net Worth (UHN) segments. From October, the three offerings will share a common name and identity across all countries, reflecting a highly specialized service model and a more differentiated value proposition that combines local and global capabilities to meet the needs of clients and their families.

BBVA has completed the first tranche of the extraordinary €2 billion share buyback programme it announced at the end of July. Between 5 August and 1 October 2026, the bank repurchased shares worth €1 billion.

Garanti BBVA has launched Foreign Trade Packages that allow businesses engaged in international trade to carry out import, export and related banking transactions on more advantageous terms than when paying fees for each individual transaction. With options tailored to different transaction needs and volumes, the packages can be purchased at Garanti BBVA branches or through Mobile and Online Banking, while remaining allowances can be tracked in real time through digital channels.

On October 15, BBVA will pay its shareholders 37 cents per share in cash as a gross interim dividend against 2026 earnings. This amount is nearly 16 percent higher than in 2025 and represents the highest interim dividend in BBVA’s history. In total, the bank will distribute approximately €2.0 billion to its shareholders¹.

BBVA will expand its capabilities in Asia after BBVA Japan Securities Limited completed the relevant local regulatory registrations. This new subsidiary serves a strategic purpose: to act as a direct channel connecting Japanese institutional investors with BBVA's global financial solutions, operating strictly as a local sales and middle office platform for the distribution of BBVA's international products.

BBVA is gearing up its service model for middle-market companies, combining artificial intelligence and digital tools with specialized advice. This gives relationship managers more time to understand each company’s plans and support its decision-making. For companies, the result is a better client experience, with more agile and personalized service and advice tailored more closely to the needs of each business. Middle-market companies currently account for around 60% of the client base of the bank’s Commercial & Institutional Client Solutions area.

Garanti BBVA has completed a USD 125 million sustainable subordinated bond issuance with a consortium of IFC and DEG. The proceeds will support the Bank’s capital structure while being directed toward green investments by micro-enterprises and SMEs and improving women entrepreneurs’ access to finance.

BBVA Digital Banks and eDreams ODIGEO are launching a strategic partnership to promote integrated digital experiences across travel and financial services. The collaboration, which begins in Italy and Germany, aims to bring together the capabilities and expertise of both companies to develop new digital propositions. As a first step, an exclusive campaign will launch in Germany in September for new customers of  BBVA Germany who are eligible to participate and enjoy one year of Opodo Prime Plus free of charge, an online travel subscription programme offering exclusive benefits and discounts on flights, hotels, trains and car rentals.

Clean technologies, or cleantech, are no longer just solutions that help lower emissions. They have become a key component in economic and geopolitical transformation. The first edition of the European Clean Tech Atlas 2026, published by the Bruegel think tank offers an in-depth look at their deployment and the challenge of combining decarbonization, industrial competitiveness and energy security.

During New York Climate Week, held from September 20-27, BBVA and Garanti BBVA actively participated in various platforms addressing the global climate and sustainability agenda. Garanti BBVA CEO Mahmut Akten, Garanti BBVA Executive Vice President Sinem Edige, BBVA Global Head of Sustainability and Corporate Investment Banking Javier Rodriguez Soler, BBVA Global Head of Sustainability Intelligence & Advocacy Antoni Ballabriga, and bank executives shared their expertise and insights across events, conferences, and high-level roundtable discussions. They evaluated global developments, the sustainable transformation journey of Turkey and its financial ecosystem, and key priorities leading up to COP31 alongside international stakeholders.

BBVA on Wednesday placed £600 million (€698 million) in a senior non-preferred bond issuance. Demand reached as much as £1.25 billion. The bond has a six-year maturity, until September 2032, with an early redemption option in September 2031. The price was set at UKT (the UK sovereign bond) +100 basis points, below the initial price guidance of UKT+115 basis points. BBVA, NatWest and Nomura acted as bookrunners.

BBVA CEO Onur Genç said in London on Tuesday that artificial intelligence (AI) will drive the next major transformation of the sector and that the bank is very well positioned to address this new cycle. The Group was a pioneer in the digitalization era and is taking the same approach to AI: early adoption, rapid scaling and a transformation around this new technology. “We do believe we are embracing this technology better than our competitors,” he said during his participation in the CEO conference organized by Bank of America.

BBVA has placed a €1.25 billion senior preferred green bond this Tuesday, maturing in September 2033. The price was set at mid-swaps +75 basis points, significantly below the initial price guidance of mid-swaps +100 basis points. The bookrunners were BBVA, Danske, ING, Natixis and UBS. Demand reached €2.8 billion.