In its announcement on Monday of the annual review of the composition of its indices, Stoxx has added BBVA to Stoxx Europe 50, the stock market index that measures the performance of the 50 super-sector leaders in Europe. The index serves financial institutions as the underlying for a wide range of investment products: exchange-traded funds (ETFs), futures and options, and structured products worldwide.

BBVA and SAP Spain have forged a strategic alliance whereby the bank will integrate the SAP Multibank Connectivity solution to enhance its corporate banking service offering and attract new business clients. The solution will enable BBVA to transform and optimize how financial transactions are carried out for corporate and business banking clients, making the whole process more efficient and agile.

Garanti BBVA’s flagship environmental program, the Blue Breath Project, has helped identify Türkiye’s oldest seagrass meadow off the coast of Kızılada near Göcek. Led by Professor Ergün Taşkın, a team of scientists confirmed the meadow’s age at about 2,000 years, the first time such an ecosystem has been dated in the country. Researchers believe the discovery could reshape marine conservation.

Garanti BBVA has entered a new era in asset management in Türkiye by migrating its crypto asset portfolios to its app, Garanti BBVA Mobile. Garanti BBVA Crypto users can now easily view their crypto assets, along with price information in real time, gains and losses, and watchlists directly from the ‘Investments’ menu in the bank’s mobile app.

As part of the strategic plan unveiled earlier this year and following the release of second-quarter earnings, BBVA announced its financial goals for 2025-2028 for the Group and key business areas. All units are poised for sustainable growth while generating capital and maintaining rigorous cost and risk control, which will translate into improved profitability across business units.

Decarbonization and the energy transition have become global priorities. In this transformative landscape, BBVA plays a key role in helping enterprises evolve toward more sustainable business models.

Grupo Energía Bogotá (GEB) has just secured a long-term credit facility from BBVA Colombia worth 500 billion pesos, as it aims to ramp up its investment plan and modernize the country’s existing energy infrastructure.

Garanti BBVA, in partnership with Eureko Sigorta, has just launched Cell Phone Screen Protection Insurance. Available through Garanti BBVA Mobile, the new insurance solution offers customers an easy way to protect one of their most essential everyday devices.

This past Wednesday, BBVA issued a 10-year senior non-preferred (SNP) green bond worth €1 billion and maturing in 2035. Demand for the bond peaked at €2.9 billion, reflecting strong investor appetite for green-labelled instruments. At the close of the issue, the price was set at mid-swap plus 108 basis points, significantly below the initial guidance of mid-swap plus 135 basis points, making it the lowest spread achieved on a 10-year SNP by a Southern European financial institution since 2021.

“Simplification” dominates today’s European financial‑regulation debate. The new Commission has turned it into a slogan, pledging to strip away layers of complexity, align the regime with the cleaner approaches of other regions, and make the framework easier to navigate.  At present Europe resembles a car covered by multiple insurers, each tacking on new clauses over time. The result is a patchwork in which it is unclear what is actually covered or how policyholders are meant to use their coverage. It simply doesn’t work.

The three-year project, titled Fair Learning, will address the main ethical, technical and regulatory challenges posed by the growing automation of decisions that impact society. A multidisciplinary team of BBVA and The University of Navarra will explore the use of advanced mathematical and statistical methods to correct data bias, integrate philosophical and ethical frameworks into model development, and devise a set of best practices based on international legislation.

During the global launch of its new language model, OpenAI identified BBVA as one of the first institutions to adopt this technology in the financial sector. The bank has been testing the system in strategic tasks as part of its commitment to exploring the potential of generative artificial intelligence to enhance organizational processes and drive team innovation.

The bank published its latest ‘Green and Social Bond Report’ on fund allocation and the impact of its sustainable issuances through December 2024. BBVA allocated a total of €5.83 billion to environmental, social and governance (ESG) bonds through green initiatives, and €1 billion to projects with a social focus. This year, the amount of resources allocated to activities aligned with environmental criteria rose by 20 percent over the previous year.

Proptech company PropHero has secured financing from BBVA Spark to drive its growth in the Spanish real estate market, where it plans to double its business volume by year-end 2025.

Many European banks already have practices in place to detect, monitor, and manage climate risks, the second biggest concern for businesses. Frank Elderson, member of the Executive Board of the European Central Bank, acknowledges the progress made but also admits that there is still a lot to do.

BBVA's sustainable business continues to accelerate its growth. The bank has channeled approximately €63 billion into sustainable business during the first half of 2025, representing a 48% increase compared to the same period last year. At the same time, more than €30 billion was channeled in the second quarter, a new quarterly record.

BBVA’s Turkish unit reported net income of TL 53.6 billion for the first half of 2025, according to consolidated financial statements as of June 30. Total assets grew to TL 3.82 trillion, while the bank provided TL 2.95 trillion to the economy through cash and non-cash loans. Customer deposits remained the primary source of funding, accounting for 69.5 percent of total assets. The deposit base expanded 26.7 percent in the first six months to TL 2.66 trillion. The bank maintained a robust capital adequacy ratio of 15.6 percent.* Return on average equity (ROAE) stood at 30.7 percent, while return on average assets (ROAA) was 3.1 percent.

*Calculated without the forbearance introduced by BRSA

BBVA posted a record €5.45 billion profit, up 9 percent yoy (+31 percent in constant euros) in the first half of 2025, driven by greater activity in Spain and Mexico. The bank reported excellent metrics in profitability -with ROTE above 20 percent-, and value creation for shareholders, with growth of the tangible book value per share plus dividends of nearly 15 percent. BBVA also improved its profitability and efficiency prospects at Group level, as well as lending and net interest income for Spain, among others. The bank also unveiled its financial goals for the 2025-2028 period. It expects to earn an accumulated net attributable profit of around €48 billion over four years, while having €36 billion of highest-quality capital available for distribution to shareholders through 2028¹.  Furthermore, BBVA expects average ROTE to reach around 22 percent during this period, with the efficiency ratio improving to levels around 35 percent.  The bank also set a goal to increase the tangible book value per share plus dividends by around 15 percent (CAGR).

¹ Subject to the approval of the corresponding governing bodies and the required regulatory authorizations.

Ami Vitale is an American photographer and filmmaker, and a National Geographic ambassador.She captures hopeful, inspiring stories about nature—and our connection to it. With multiple awards and a global following of over one million on Instagram, she is a leading voice in visual storytelling for sustainability.

BBVA's Head of Talent and Culture in Spain, Yolanda Martínez Bajo, and the CEO of Fundación ONCE, José Luis Martínez Donoso, have signed the ‘Inserta Empleo’ agreement to promote employment for people with disabilities.

BBVA has formalized a €25 million venture debt transaction with roadsurfer, a German company specializing in outdoor mobility. The financing aims to support the international expansion of the leading camper van rental platform and accelerate its growth across Europe and North America.

Opening photo generated with Midjourney (AI)

When a company defines its strategic roadmap, it must also establish the financial approach that will underpin its execution. In this context, bank loans and corporate bonds emerge as two often complementary avenues for supporting growth. Financial decision-making thus becomes a central pillar of strategy execution. Choosing between them, or combining both judiciously,is not merely a tactical move, but a strategic decision with profound implications for the company’s present and future development.

Clean technologies, also known as 'cleantech', are technologies that contribute to sustainability and environmental protection. This includes innovative solutions for  both climate change adaptation and mitigation, ranging from emission reduction to biodiversity protection and water treatment.

BBVA’s Turkish franchise provides financing for Uludağ Elektrik Dağıtım A.Ş.’s electricity distribution investments across Bursa, Balıkesir, Çanakkale, and Yalova, contributing to regional energy resilience and sustainable development.

Carbon capture is one of the most promising cleantech solutions for the fight against climate change. Companies like Heirloom are revolutionizing this sector with technologies capable of extracting up to 320,000 tons of carbon dioxide from the air every year.

Cover photo: EFE

BBVA has been recognized as the World’s Best Corporate Bank for 2025 by Global Finance for the third year running, cementing its status as a global leader in the financial industry. This award is a testament to BBVA’s continued excellence and innovation in corporate banking, one of its strategic priorities.