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How to read a bank balance sheet?

How to read a bank balance sheet?

BBVA firmly believes in the role of hydrogen in the energy transition and the business opportunity it represents. To this end, it considers advice and financing essential for rolling out projects based on this clean technology. “We see a real appetite from the financial sector to invest in hydrogen assets,” said Dorian de Kermadec, Managing Director Low Carbon Advisory at BBVA, in an interview with bbva.com.

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.

BBVA has taken a significant step forward in its data-driven transformation strategy with the successful implementation of ADA, its global data platform, in Mexico and Colombia. This strategic advance seeks to improve and accelerate the bank's ability to offer personalized and relevant products and services to its customers. The cloud-based data platform, built on Amazon Web Services (AWS) technologies, enables the centralized consolidation of analytical processes, ensures real-time access to data, and scales the use of artificial intelligence.

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.

BBVA has reached a milestone in its commitment to artificial intelligence, surpassing 1,000 data scientists on staff. To further enhance this talent, the bank offers them a professional development model that allows these professionals to advance in their careers without giving up their specialization. In this innovative approach, technical expertise is placed on equal footing with team management as a path for professional growth, allowing them to remain involved in AI development as they advance in their careers.

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.

BBVA has once again excelled in the stress test results published by the European Banking Authority (EBA) for the 2025-2027 period. This exercise takes place every two years and assesses banks’ ability to maintain minimum levels of capital and own funds in two scenarios: a baseline and an adverse scenario. In the baseline scenario, BBVA would generate 355 basis points of capital from December 2024 to December 2027, reaching a fully loaded CET1 ratio of 16.43 percent. In the adverse scenario, BBVA would lose 186 basis points of capital to reach a fully loaded CET1 ratio of 11.02 percent in December 2027. The impact of the adverse scenario on BBVA’s capital would be well below the average for the group of comparable European banks, demonstrating the Group’s strength and resilience.

BBVA Corporate & Investment Banking (CIB) posted record revenues of €3.194 billion in the first half of 2025, representing a 28% increase compared to the same period of 2024 (in constant euros, excluding the impact of hyperinflation accounting adjustments). All business units delivered double-digit growth: Global Markets (GM) rose 31% year-on-year; Global Transaction Banking (GTB) 17%; and Investment Banking & Finance (IB&F) 32%. BBVA CIB’s loan book expanded by 10% versus December 2024, driven by both transactional banking and IB&F, supported by landmark operations in project finance and corporate lending across Spain, Mexico, and the U.S. Attributable profit reached €1.553 billion, up 34% year-on-year. Profitability improved across key geographies, particularly in Spain, Continental Europe, and the U.S.

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
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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 has hired 23 recent graduates specializing in data for its technology teams. They were selected through the bank’s ‘Be Talent’ program, one of the main entryways for data specialists entering the Spanish job market. This innovative selection process evaluates not only the candidates’ technical skills and personal abilities, but also asks them to develop an analytical model for a real financial challenge in a ‘datathon’ that marks the final stage in the selection process.

BBVA’s Turkish franchise has secured three accolades at the Euromoney Awards for Excellence 2025, consolidating its position as a leader in sustainable banking and workplace inclusion across Central and Eastern Europe. The bank was named Best Bank for Diversity and Inclusion and Best Sustainable Finance Bank in the CEE region, and also took home the Best Sustainable Finance Bank award for Türkiye.

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.

Generative AI with autonomous financial agents, quantum computing capable of spotting fraud in seconds, and banking services embedded in health or e-commerce apps. According to 'Fintech 2040', a report drawn up by BNPL provider Riverty, this could well be how fintech evolves over the next two decades. The study suggests a world where the boundaries between payments, lending, insurance and investment fade, and financial services become an integral part of people’s everyday digital lives.

Garanti BBVA has become the first Turkish financial institution to adopt the Equator Principles, a globally recognized risk management framework used by over 130 financial institutions to assess and manage environmental and social risks in project finance.