FrauDfense, a company owned by BBVA, Banco Santander and CaixaBank, today announces the go-live of FrauDfense Check, its first operational service. This initiative highlights the pioneering and innovative role of the three institutions in promoting sector-wide collaboration models, positioning the Spanish financial industry as an international benchmark in fraud prevention.

The Global Summit of Women 2026, supported by Garanti BBVA, brought together ministers, business leaders, investors, entrepreneurs, and opinion leaders from around the world in Istanbul. Among the speakers was Türkiye’s Minister of Treasury and Finance, Mehmet Şimşek, alongside numerous international guests.

The Conferences of the Parties (COPs) are annual summits that review international agreements on climate change and promote new global measures to reduce greenhouse gas emissions and protect ecosystems.

BBVA has developed a new MLOps architecture together with Amazon Web Services (AWS), integrated into ADA, the bank’s global cloud-based data and artificial intelligence platform, to accelerate the development, validation and deployment of AI models across the Group. The solution enables teams to work more autonomously, reuse common components and automate governance controls, reducing development times by up to 75% in use cases such as personalized customer recommendations and financial forecasting.

Speaking at the Goldman Sachs investor conference on Wednesday, BBVA’s Global Head of Finance, Luisa Gómez Bravo, noted that AI will be one of the key forces shaping the future of banking and will drive a transformation that is greater, faster, and more disruptive than digitalization, benefiting clients in particular: “We believe AI can become a powerful engine for innovation and value creation for clients and, ultimately, generate significantly greater value for our shareholders.”

BBVA allocated €191.5 million to social programs and initiatives in 2025 globally, an increase of 7.5 percent over 2024. 7.7 million people directly benefited from these activities, which mainly focused on education, accounting for 68 percent of the total resources. These efforts aimed to facilitate access to opportunities and support people and communities in their development.

BBVA Mexico cemented its leadership in international markets yesterday with the successful placement of $1 billion in senior unsecured notes with a five-year maturity and a fixed rate of 5.4%.

Javier Rodríguez Soler, Global Head of Sustainability and Corporate & Investment Banking (CIB), has been named to American Banker’s inaugural “50 Most Innovative People in Finance” list. The recognition highlights his leadership in accelerating BBVA’s transformation through the integration of artificial intelligence, advanced analytics and sustainability across the bank’s global operations. American Banker also recognized BBVA’s deployment of generative AI tools and continued investment in digital banking and sustainable finance solutions.

In an opinion piece published in Spanish newspaper El Confidencial, Eva Rubio, Head of Global Transaction Banking at BBVA CIB, explores how working capital management has evolved from a financial efficiency tool into a key strategic lever to strengthen resilience, liquidity and corporate competitiveness amid growing geopolitical uncertainty and the ongoing transformation of global supply chains.

The AI Transformation area, which sits at the top level of the organization and will be led by Antonio Bravo combines the current Data area with critical technological capabilities to industrialize the creation, deployment and management of artificial intelligence (AI) agents across the organization. This evolution will accelerate the bank’s transformation and enable smarter, more proactive and highly personalized financial services for its customers.

Agorá has demonstrated the potential of blockchain and programmable technologies to improve the efficiency of international corporate payments while preserving the safety and integrity of the transactions. BBVA is participating in the project along with central banks and more than 40 international financial institutions. The project has validated the feasibility of conducting settlements across currencies and jurisdictions using tokenized central bank reserves and tokenized commercial bank deposits. In upcoming phases it will advance to real-value testing.

Twelve years after its last euro-denominated issuance, Brazil returned this year to the European market with a €5 billion sovereign transaction in which BBVA participated as bookrunner. Beyond the financing itself, the transaction represented a test for Brazilian sovereign credit: measuring the depth of investor demand, rebuilding euro benchmarks and executing with precision in an especially volatile environment.

BBVA Mexico acted as joint placement agent for the Ministry of Finance and Public Credit (SHCP) in the year’s second joint issuance of BONDESG and Bonos MS fixed-rate bonds.

BBVA consolidates its activity in sustainable financing by participating as Coordinating Lead Arranger in a USD 1,5 billion financing for Acelen Renewables, supporting the development of a renewable fuels plant in Brazil. The project, one of the most relevant sustainable aviation fuel (SAF) and Hydrotreated Vegetable Oil (HVO) initiatives in the region, is expected to accelerate the decarbonization of the aviation sector, a key challenge in the global energy transition, and marks the bank’s first global transaction in this segment.

Garanti BBVA was selected as the best bank in Türkiye in this year’s World’s Best Bank Awards. The prestigious financial publication Global Finance recognized the bank for its impressive financial performance, sustainable growth and customer-centric innovations.

As the climate summit to be held in November 2026 draws closer, Türkiye has emerged as the leading European country in championing energy storage—a key technology for ensuring energy security and accelerating the integration of renewable energy sources. Its firm commitment to battery systems and to modernizing electricity grids has afforded the country a strategic role within the wider energy transition taking place across Europe.

BBVA Chair Carlos Torres Vila said that the adoption of artificial intelligence (AI) represents a major opportunity for Europe during his participation this Tuesday at the 7th Expansión International Forum. In his view, AI will profoundly transform the banking sector and BBVA aims to lead that change. “Over the past 20 years, the bank has maintained this innovative and transformative drive. And we are going to do it again with the wave that is coming, which is deeper and faster,” he stressed. BBVA is already evolving toward a truly AI-driven bank through the creation, deployment and management of AI agents across the organization. “The potential of the technology is to transform everything we do at BBVA,” he said.

Garanti BBVA scooped three awards in the Central & Eastern Europe category of the World’s Best Investment Banks 2026 Awards announced by Global Finance. The bank cemented its regional standing by performing strongly in debt capital markets and infrastructure finance, building close relationships with international investors, and successfully executing transactions.

In 2025, 99 percent of BBVA’s global electricity consumption came from renewable sources, and the bank has set a new target to reach 100 percent shortly. Since 2019, the bank has reduced scope 1 and 2 CO₂ emissions¹ by 83 percent and cut per-employee electricity consumption by 22 percent, energy consumption by 19 percent, water consumption by 36 percent, paper consumption by 44 percent and net waste by 33 percent. Furthermore, environmentally certified floor space reached 62 percent, far surpassing the 45 percent target set in the Global Eco-efficiency Plan.

¹Scope 1 and 2: BBVA's direct and indirect emissions, excluding those of our clients.

Fitch Ratings has upgraded BBVA’s long-term issuer default rating by one notch from A- to A. This upgrade is due to a methodological change under which the agency now uses senior preferred debt, instead of senior non-preferred debt, as the reference for this rating.

BBVA has announced its participation as a founding partner in the OpenAI Deployment Company, the new company launched by OpenAI, together with 18 leading investment firms, consultancies and system integrators. With a total investment of more than $4 billion, the OpenAI Deployment Company will provide services to facilitate the deployment of artificial intelligence across enterprise organizations.

Garanti BBVA’s AI journey, launched in 2016, has evolved into Ugi, which today handles more than 6.4 million monthly interactions on average, has 1.6 million active users, and supports more than 300 end-to-end banking transactions. With the integration of generative AI, Ugi can now understand 90% of user requests. Over the past year, nearly 50% of mobile banking customers interacted with Ugi at least once, while the system delivered proactive solutions through 780,000 instant notifications per month.

Transition finance refers to instruments designed to fund the gradual reduction of emissions in industrial sectors that are hard to abate (i.e. difficult to decarbonize). Supporting the transformation of “hard-to-abate” industries through this type of financing is essential to advancing toward a low-carbon economy.

BBVA has received The Banker’s award for Best Technology Bank in Western Europe, along with Best Bank-Fintech Partnership for its strategic agreement with OpenAI. These accolades from the Financial Times Group publication are a testament to the progress made in its artificial intelligence (AI) strategy, the launch of its new app, and its digital model for entering new markets such as Germany.

At the opening of the 2026 National Meeting of Regional Advisors (RNCR) in Mexico City, BBVA’s Chair, Carlos Torres Vila stated that “the country’s medium-term outlook is favourable, driven by initiatives such as Plan Mexico,” and recalled that the Group has a 100-billion-peso (nearly €4.8 billion) investment plan underway in the country for the 2025–2030 period, “an investment focused on innovation, infrastructure and people, because we believe in Mexico.” Meanwhile, Eduardo Osuna, Vice Chair and CEO of BBVA Mexico, emphasized that there are signs of economic recovery in 2026 but warned that it is necessary to boost private investment. To this end, “the conditions that reduce uncertainty around investment decisions are starting to materialize,” he added.

BBVA channeled €36 billion into sustainable business in the first quarter of 2026, an increase of 33 percent over the same period in the previous year. Of this amount, €12.6 billion came from Spain. This activity allows the bank’s clients to gain access to financing and solutions for the energy transition, efficient resource use and social challenges. With this achievement, the bank has reached a total of €170 billion toward its €700 billion target for the 2025 – 2029 period.