Banco Bilbao Vizcaya Argentaria, S.A. is a Global Banking and Financial Services company headquartered in Madrid, Spain. In FY2025, it reported $42.5B in site-standard revenue, based on official EUR36.931B native-currency revenue and about $12.1B in net attributable profit. It had about 127,174 employees and is led by Onur Genc.
How BBVA Makes Money
BBVA makes money from net interest income on loans and deposits, fees and commissions, trading income, insurance, wealth products, payments, and corporate banking services. Its customers include retail customers, small businesses, corporates, public-sector clients, investors, and digital banking users across Spain, Mexico, Turkey, South America, and Europe. Net interest income remains the largest earnings driver, supported by strong retail and commercial banking franchises, especially in Spain and Mexico.
BBVA Strategy
BBVA competes by pairing relationship banking with digital origination, data-driven risk management, payments scale, and high-return franchises in Mexico and other growth markets. The strategic focus is increasing digital customer acquisition, protecting margins, controlling credit risk, and allocating capital to markets with attractive returns.
BBVA Financials
BBVA's FY2025 group results show EUR26.280B net interest income, EUR36.931B gross income, EUR10.511B net attributable profit, and 127,174 employees. BBVA reported FY2025 net attributable profit of EUR10.511B, shown here as about $12.1B.
BBVA Competitive Position
BBVA's advantage is a high-return Mexico franchise, strong digital adoption, disciplined capital management, and a multi-country retail and corporate banking platform. It competes with Santander, HSBC, Bank of America and other companies across Global Banking and Financial Services.
BBVA Risks
BBVA's biggest risk is exposure to credit cycles, emerging-market currency volatility, Mexico concentration, Turkish inflation/accounting volatility, and European banking regulation.
