BBVA

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a global financial services group providing retail banking, wholesale banking, asset management, and private banking services across Europe, the Americas, and Asia. Founded in 1857 with roots in Spain's Basque region, BBVA has evolved into one of Europe's largest banks with significant operations in Spain, Mexico, South America, and Turkey. The bank serves tens of millions of customers through digital channels and physical branches, with Mexico representing a particularly important growth market. BBVA has positioned itself as a digital banking leader, investing heavily in technology, mobile banking, and fintech partnerships. The company offers commercial banking, consumer lending, credit cards, mortgages, insurance, and wealth management services. Headquartered in Bilbao, Spain, BBVA has simplified its structure through disposals including the sale of its U.S. banking operations to PNC Financial. The bank faces challenges from low European interest rates, economic uncertainty in emerging markets, and intense competition from digital banks. BBVA continues to focus on digital transformation, operational efficiency, and profitable growth in its core markets.