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The bank is strengthening its institutional clients value proposition with a comprehensive derivatives execution and clearing platform.

Two generative AI assistants developed by the teams managing BBVA’s contact centres in Italy and Germany—the Group’s two fully digital banks—have reduced the average handling time for the most common customer enquiries about products, services and general procedures by more than 15%. By speeding up information retrieval and response preparation, these AI copilots enable customer service agents to resolve routine enquiries more quickly and dedicate more time to more complex cases that require deeper analysis and personalised support.

Türkiye Garanti Bankası A.Ş. has released its financial statements for the six months ended 30 June 2026. Based on the consolidated financial statements, the Bank recorded net income of TL 64.4 billion in the first six months of the year. Total assets stood at TL 5.2 trillion, while the Bank’s contribution to the economy through cash and non-cash loans reached TL 3.9 trillion.

BBVA’s wholesale banking area delivered strong performance during the first half of 2026, with revenues growing 24% year-on-year (at constant euros, excluding the accounting impact of the hyperinflation adjustment). All business units contributed to this performance, posting double-digit growth: Global Markets (GM), +26%; Global Transaction Banking (GTB), +21%; and Investment Banking & Finance (IB&F), +41%. Loan book increased by 20% compared with December 2025, highlighting Project Finance and Corporate Lending in Asia and the United States alongside Transactional Banking. Meanwhile, attributable profit reached €979 million in the second quarter and exceeded €2 billion for the first half of the year, increasing 21% year-on-year at constant euros and 18% year-on-year in current euros.

BBVA recorded a net attributable profit of €6.05 billion in the first six months of 2026, which represents an 11.1 percent increase year-over-year (up 10.0 percent at constant exchange rates). These results reflect the strong performance of recurring revenue, supported by loan growth (up 17.7 percent at constant exchange rates)¹. From January to June, the Group reached new heights in profitability and value creation for shareholders, with ROTE at 22.2 percent and tangible book value per share plus dividends increasing 21.8 percent year-over-year².  Today, BBVA announced the launch of a new €2 billion extraordinary share buyback program. The first €1 billion tranche will begin on August 5.³

BBVA has approved a renewal of its leadership team to drive transformation in an environment shaped by the profound impact that artificial intelligence will have on the business, on the way we work and, especially, on the experience the bank provides to customers. All the newly appointed executives come from within the Group, forming a renewed leadership team that combines extensive experience in transformation, innovation and customer focus. The changes also simplify the organization to foster greater integration across related functions.

Garanti BBVA has moved its KGF- and İGE-guaranteed loan processes to digital channels, allowing SMEs and other businesses to apply without visiting a branch, track their applications end-to-end, and monitor each stage of the evaluation in real time.

The partnership between the climate summit (COP31) and the International Energy Agency is a framework agreement that combines data, scientific expertise and political leadership to transform environmental commitments into specific, measurable and bankable actions with a 2035 horizon.

Garanti BBVA has taken another step in bringing the digital banking experience to generative AI platforms. Following BBVA’s launch of the ChatGPT app experience in Italy and Germany, the service is now available in Türkiye through Garanti BBVA. As one of the first financial institutions featured in the ChatGPT app library, Garanti BBVA enables users to access up-to-date information about its banking products and services directly within the ChatGPT chat experience.

BBVA and FC Internazionale Milano have announced a new partnership built on a shared vision: using innovation and technology to create experiences that strengthen the connection between people and the brands they trust. As part of the agreement, BBVA will become the Official Sleeve Partner of Inter’s Men's First Team, Inter Women, Inter U23, Inter U20 and Inter Legends. In addition, BBVA will serve as the Front Jersey Partner of the club’s youth academy teams, from U18 downwards, across both the men’s and women’s divisions, reflecting the two organizations’ shared commitment to younger generations and families.

Not long ago, companies seeking to finance an acquisition or refinance debt had a relatively predictable path to follow. Banks arranged syndicated loans, institutional investors provided much of the capital, and the leveraged loan market served as the primary source of financing for many corporate transactions.

The partnership was formalized during a meeting in Ankara between COP31 President and Türkiye's Minister of Environment, Urbanization and Climate Change, Murat Kurum, and Garanti BBVA CEO Mahmut Akten.

BBVA has announced that it will take part as the Global Banking Partner of the upcoming United Nations Climate Change Conference (COP31), to be held from November 9 to 20 in the city of Antalya, Türkiye. Through this partnership, the bank will work alongside the climate summit’s Presidency and the United Nations to continue driving financing for the energy transition and accelerate the roll-out of solutions for a low-carbon economy.

In this new episode of BBVA Greenfluencers, we explore how sustainability is shaping the Asian Infrastructure Investment Bank’s approach to sustainable infrastructure finance.

Garanti BBVA has developed a new treasury solution to help companies trading with the European Union manage the carbon cost risk arising from potential price fluctuations in Carbon Border Adjustment Mechanism (CBAM¹) certificates through derivative products. As part of this initiative, Garanti BBVA introduced an early solution in Türkiye by structuring and executing a transaction to help Medcem Cement Group manage and hedge its CBAM-driven price risk. Through this innovative solution, Medcem Cement Group has gained greater predictability over its future CBAM certificate costs by managing a portion of the price risk associated with the CBAM certificates underlying the transaction today

The 31st Climate Summit (COP31), to be held in the Turkish city of Antalya in November, will bring together several key figures tasked with driving forward global climate negotiations. Murat Kurum, Fatma Varank and Samed Ağırbaş, among other names, will coordinate a conference that aims to turn political commitments into tangible outcomes in electrification, urban resilience and the circular economy.

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Garanti BBVA has issued a $30 million sustainable bond under its international funding program to finance projects focused on climate change adaptation and resilience.

In a previous article, we explored how BBVA is scaling its Machine Learning capabilities with a new architecture based on AWS technologies. This second article details how we have tested with four initial use cases to identify reusable ML patterns, standardize operational workflows, and design extensible templates that accelerate ML delivery while maintaining governance and flexibility across teams and business domains.

BBVA is continuing to scale its Machine Learning capabilities with a new technology architecture integrated into ADA, the bank’s global data and AI platform based on AWS technologies.

Garanti BBVA has received six awards at the 2026 Euromoney Awards for Excellence, recognizing the bank’s leadership in retail banking, consumer lending, diversity and inclusion, and corporate social responsibility. The bank was named Best Retail Bank, Best Bank for Consumer Lending, Best Bank for Diversity and Inclusion, and Best Bank for Corporate Social Responsibility in Türkiye, in addition to awards for Best Bank for Consumer Lending and Best Bank for Diversity and Inclusion in Central and Eastern Europe.

Corporate finance leaders are constantly evaluating how to fund growth, improve liquidity, and diversify sources of capital. For companies with portfolios of loans, receivables, leases, or other predictable cash-flowing assets, asset-backed securities (ABS) offer an additional financing option. By transforming those assets into securities sold to institutional investors, securitization has become an established component of the U.S. capital markets.

Euromoney has selected BBVA as the best bank in the world for customer experience in 2026. This recognition underscores the core of the bank’s strategy: seeing the world through the customer’s eyes. Through this approach, the bank aims for excellence in execution, surprising customers with a unique value proposition and offering personalized solutions. The bank also won the award for the best bank in the world for diversity and inclusion, as well as the best bank in three countries: Türkiye, Argentina and Peru.

The bank has participated from the go-live of Swift’s new retail scheme, a global initiative that establishes a common rulebook to deliver faster, more transparent, predictable and 24/7 international payments for individuals and SMEs.

The international magazine Global Finance has recognized BBVA as World’s Best Bank in Emerging Markets in the 2026 edition of its World’s Best Bank awards, which honor banks based on criteria such as performance, reputation and management excellence. This recognition joins the other awards the BBVA Group recently received from the same publication, including the World’s Most Innovative Bank, recognition of Garanti BBVA as the Best Bank in Türkiye and the Best Investment Bank awards in Spain, Mexico, Peru and Türkiye.

Five startups—Eriklabs, Text2Test, Rudiq, Freya, and Fraud.com—have been selected for the 10th cohort of the Garanti BBVA Partners Tech Program. Working in artificial intelligence, cybersecurity, and blockchain, they will benefit from six months of mentorship, collaboration, and growth opportunities.

The insurance industry is going through a defining moment. The emergence of new risks, from climate change to cybersecurity, together with the rise of emerging technologies and an increasingly demanding regulatory framework, is transforming the way enterprises protect, invest and manage their capital. Cristina Querejeta, Global Sector Head of Insurance at BBVA CIB, outlines the key drivers behind this evolution.

Satisfaction surveys are no longer the only way BBVA gains insight into its relationship with customers. The bank is now using generative artificial intelligence to analyze hundreds of thousands of customer interactions, providing a more complete picture of the customer experience. It harnesses this technology to process selected conversations in Spain across channels such as phone calls and chats between customers and relationship managers through the bank’s app, as well as more than 220,000 monthly calls between customers and remote relationship managers in Mexico. The goal is to identify customer needs and pain points more quickly and reliably, enabling more personalized and effective service. These capabilities are deployed in compliance with applicable data protection regulations. This solution is one of the 1,127 AI use cases that BBVA already has in production, serving both customers and the business.

BBVA has provided €187 million in financing to the steel group TOSYALI to support the first phase of its solar energy plan in Türkiye. The project, to be delivered by GE Vernova and Inogen, will help advance the decarbonisation of one of the world's leading producers of green steel. Structured as an Export Finance Buyer Credit facility backed by Cesce, the transaction underscores BBVA's ability to support large-scale industrial projects that accelerate the transition to a low-carbon economy.

Robin Sharma is an author, international speaker, and one of the world's leading voices on personal development, self-leadership, and human transformation. The author of bestselling books such as The Monk Who Sold His Ferrari, The 5 AM Club, The Wealth Money Can't Buy, and The Leader Who Had No Title, he has inspired millions of people to rethink success, cultivate inner peace, and build a life of greater purpose, discipline, and well-being.

Digital financing is gaining ground among small businesses and the self-employed. At the end of May 2026, 58% of new lending transactions arranged with SMEs across the BBVA Group were completed through digital channels, rising to 67% in the case of the self-employed. Between January and May, the volume of financing arranged digitally came to almost €10 billion. The bank now has more than 2.8 million digital SME and self-employed customers in the countries where it operates.

BBVA has executed the largest synthetic securitisation transaction backed by a project finance portfolio in its history, referencing a €2 billion portfolio of loans.

Garanti BBVA has joined Swift’s new payment scheme as a sending bank—a first for Türkiye—offering customers faster, more transparent international money transfers with upfront fee visibility and end-to-end tracking. The service is initially available for transfers to the UK, Spain, Australia, the US, and Germany.

At BBVA, the development and use of artificial intelligence are underpinned by a responsible AI framework based on eight principles that promote transparency, security, privacy and human oversight. The aim is to create sustainable value, uphold security standards, regulatory compliance and customer data protection, in order to preserve customer trust in the bank’s services in an increasingly automated environment.  These principles are implemented through technological capabilities, governance mechanisms, and training and support programs for employees.

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BBVA is providing sustainability training for 937 employees from 688 suppliers across 22 countries through the Capacity Building Program: Sustainable Suppliers. Participation linked to the bank has increased in 2026, with 58 percent growth in 2026 in enrolled individuals, a 65 percent increase in the number of suppliers and 69 percent growth in the number of countries compared with the previous year. The initiative is led by the United Nations Global Compact Spain, ICEX Spain Export and Investment and the ICO Foundation.

The United Nations Global Compact has selected BBVA’s experience implementing a sustainability assessment model as a case study for UN Academy, its global platform for corporate learning. In 2025, BBVA evaluated 5,200 suppliers using this model, compared to 4,600 in 2024.

During the recent London Climate Action Week, several BBVA leaders cautioned how physical climate risk is no longer solely a sustainability issue but has become a key consideration in business and investment decisions. According to Antoni Ballabriga, Global Head of Sustainability Intelligence at BBVA, “the ability to adapt to climate change has become a competitive advantage for companies.”

BBVA’s fundraising campaigns in Spain alongside the Red Cross, UNHCR, and UNICEF to support Venezuela following the earthquakes have already raised more than €1 million in donations in just 48 hours. BBVA is calling on everyone who would like to support the recovery effort to join its fundraising campaigns in the countries where it operates, including Spain, Mexico, Argentina, Colombia, Peru, Uruguay, Switzerland, and Türkiye.

BBVA has completed a transaction initiated by an artificial intelligence agent on behalf of a cardholder, as part of a live agentic commerce activity that Visa is developing in Europe under its Visa Agentic Ready programme. The payment was carried out using real card credentials and the systems of an active merchant, demonstrating that AI agents can securely complete purchases on behalf of cardholders within today’s payments infrastructure.