BBVA in 2025: The Year of Growth and Innovation Serving the Customer

2025 has been an excellent year for BBVA. The Group has continued to deliver record results and remains the leading bank in Europe in terms of both loan growth and profitability. Furthermore, it has presented its new strategy and ambitious financial targets for the coming years (2025-2028) and has strengthened its shareholder remuneration plan. It has also been a year of international expansion, with the launch of a 100% digital bank in Germany, the formal start of local operations in Brazil and Abu Dhabi, and the strengthening of the Houston office to develop the corporate banking, wealth management, and customer support business in the United States for Mexico, as well as serving as a hub for new clean technologies and energy. This year, BBVA has taken a significant leap forward in innovation, with the widespread integration of artificial intelligence into the organization's daily operations and the launch of its new app in Spain and Mexico. In terms of sustainability, BBVA has announced a new sustainable business target (€700 billion) by 2029, having reached its previous target a year ahead of schedule. Sustainability is a key driver of growth, leveraging the need to finance investments to meet the increasing demand for efficient and clean energy. Furthermore, BBVA aims to be the leading bank for businesses, thanks to its presence in 25 countries, which allows it to better serve the needs of global companies with specialized advice and its digital capabilities and technological platforms. Finally, the bank is undergoing a transformation that will change the way it does banking, radically incorporating the customer's perspective into everything it does: seeing things from their point of view, better understanding their needs, and supporting them in their desire to go further with tailored solutions.