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In an interview on BBVA’s corporate website, the bank’s Chair, Carlos Torres Vila, took stock of 2025, which he described as “a magnificent year, with BBVA in its best moment,” and shared his outlook for 2026. The bank foresees continued growth in all countries and business areas, especially in sustainability and corporate banking, driven by a strategic plan that puts customers clearly at the center. BBVA also reaffirms its ambition to lead banking in the age of artificial intelligence. In this context, the Chair underlined that between 2025 and 2028, BBVA expects to “generate €49 billion in top-quality capital,” which will be used to finance organic growth and shareholder remuneration.

In 2025, BBVA successfully completed the global rollout of ADA, its new data and artificial intelligence platform. This technological foundation is key in enabling the bank to offer clients more agile, personalized, and efficient services. Over the course of the year, ADA also received recognition from numerous international organizations operating in the financial and technology sectors.

BBVA closed its largest euro-denominated bond issue in the last 20 years on Wednesday. The Group tapped the market with a dual-tranche senior non-preferred debt issue worth €2 billion, which garnered demand three times the amount offered. The first tranche, featuring a three-year maturity, was placed for €750 million, with the final price set at 3-month Euribor plus 55 basis points, compared with a significantly higher initial guidance of 3-month Euribor plus 85 basis points. The second tranche, maturing in 10 years, was placed at €1.25 billion and fetched an initial price of mid-swap plus 100 basis points, versus an initial guidance of mid-swap plus 125 basis points.

Since 2005, Garanti BBVA’s program has expanded women entrepreneurs’ access to finance —over 5 billion euros in the past five years— while redefining the role a bank can play in enabling their long-term business success. The project was created to serve an underserved segment in Türkiye and has established itself as a model capable of generating measurable impact and value for the business.

In light of the urgent need to reduce emissions, biomethane is emerging as a proven, efficient and circular solution for companies. BBVA Corporate & Investment Banking, through its Cleantech business line, is leading its financing through project finance structures and supporting companies from the early stages to accelerate their transition towards more sustainable production models.

Sustainability is one of BBVA's strategic priorities. In 2025, the Group has carried out significant sustainable operations across its main geographies—Spain, Mexico, Türkiye, South America, and through BBVA Corporate & Investment Banking (BBVA CIB)—in line with its goal of supporting customers through their transition and generating new business opportunities around climate, natural capital, and social issues.

BBVA offers a full ecosystem of payment solutions – from physical POS terminals to digital platforms like Social Pay or Wipöp— so the self-employed and businesses can charge their customers quickly and securely, tailored to their sales channels. The bank continues to champion innovation in payment methods as a driver of competitiveness and digitization, supporting businesses at every stage of their development.

Garanti BBVA recently launched asset-backed securities (ABS), offering qualified investors a new structured investment alternative. The issuance enhances the bank’s flexibility in asset and liability management while reinforcing its overall balance sheet strength. The transaction also created a new source of liquidity for Garanti BBVA, and supported its capital adequacy ratios.

The event connected entrepreneurs with representatives from 15 countries and leading global institutions, offering genuine opportunities for international collaboration, investment, and growth.

BBVA Consumer Finance continues making strides in its goal to promote sustainable transportation in Spain. Currently, one in ten sustainable vehicles financed by the bank is contracted through digital channels, underscoring the success of a service that combines advice, financing and a catalogue of ‘ECO’ and ‘CERO’ vehicles, sourced exclusively from official dealerships. The adoption of digital channels has surpassed initial expectations and confirms the growing interest among customers in solutions that facilitate the transition toward a more efficient mobility model.

Mahmut Akten points to 2025 as a year of strong performance and value creation for Garanti BBVA, setting the foundation for a clear and forward-looking strategic agenda for 2026. Following a period of high inflation in Türkiye, the economy has entered a normalization phase. Akten says Turkish banks should prepare for another challenging year, as regulatory credit limits are expected to remain largely in place to support disinflation efforts. While some adjustments may be considered, Akten underlines that maintaining financial discipline will be critical to achieving price stability and sustained growth.

Garanti BBVA has signed one of the largest sustainability-linked loan transactions ever extended to a corporate borrower in Türkiye by acting as Sustainability Coordinator throughout the loan tenor of the €1.7 billion financing provided for the Antalya–Alanya Highway Project.

Shotton Mill is completing one of Britain's most significant sustainable industrial transformations. In partnership with Turkish conglomerate Eren Holding, the former newsprint mill in North Wales will reopen in 2026 as the country's largest recycled containerboard and tissue production facility.

BBVA is to launch on December 22 an extraordinary share buyback program for a maximum amount of €3.96 billion, after obtaining all required authorizations. This is the largest buyback ever carried out by the Group. The program is part of the €36 billion that BBVA expects to make available for distribution to shareholders between 2025 and 2028¹, through both ordinary remuneration and additional distributions, such as this program.

Global Finance has named BBVA Best Bank for Embedded Finance in the second round of the World’s Best Digital Banks 2025 – Corporate Winners awards. The award recognizes BBVA’s leadership in developing integrated financial solutions that deliver simple, immediate, and relevant banking services directly within the environments where individuals and businesses need them.

Omnicom will become BBVA’s full-funnel agency, a comprehensive approach that spans from creative strategy to media activation. Omnicom will work to strengthen the brand’s global consistency, elevate client experience across all touchpoints and advance its commercial transformation focused on personalization.

BBVA has led a $30 million funding round in Olea, the digital platform specialized in supply chain finance solutions. With this transaction, BBVA strengthens its role as a strategic partner and key driver of Olea’s growth. The round also included participation from XDC Network, theDock, and SC Ventures, the innovation arm of Standard Chartered.

At the 'Beyond Hype: crypto meets banking at BBVA' event, BBVA Spark brought together leaders from the crypto industry such as Andrei Manuel, founder of Bit2Me, Catriona Wingate, head of banking at BVNK in Europe, Asia and the Pacific, and Kaushik Sthankiya, head of banking at Kraken. The experts analysed the factors driving the growth of crypto companies, the opportunities and challenges they face when coexisting with traditional financial infrastructures, and how collaboration with banks can make a difference.

BBVA’s Turkish unit has introduced a new tool on its Garanti BBVA Mobile app to help customers manage their personal finances, improve their financial health and plan for the future. ‘My Credit Coach’ provides an overview of each customer’s financial situation based on their banking history and offers personalized recommendations.