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BBVA’s Corporate & Investment Banking (CIB) division recorded revenues of €6,558 million in 2025, up 29% from 2024 (at constant euros, not including the effect of hyperinflation accounting). All business units contributed to this growth, posting double-digit year-on-year increases that underscore the strength and diversification of the division: Global Markets (GM) +35%, Global Transaction Banking (GTB) +19%, and Investment Banking & Finance (IB&F) +33%. Loans activity also showed a very positive performance, increasing 28% compared to December 2024. This growth was driven by both GTB and IB&F, supported by notable project finance and corporate lending transactions in Spain, Europe, and the United States. Attributable profit reached €3,073 million, representing a 32% year-on-year increase. Overall, 2025 marked a continued path of rising profitability across businesses, with solid performance in all geographies.

BBVA reported a profit of €10.5 billion in 2025 (+4.5 percent yoy), the highest in its history, mostly driven by core revenues. The BBVA Group stood out for its unique combination of growth and profitability, leading in Europe: lending increased by 16.2 percent (in constant euros) while ROTE reached 19.3 percent. Furthermore, BBVA maintained a solid CET1 capital ratio of 12.7 percent and continued to drive value creation for shareholders, with a tangible book value per share plus dividends growing 15.2 percent¹. In addition, the bank is set to distribute a dividend of €0.92 per share² in cash, the highest ever. This amounts to a total of €5.25 billion³, representing a cash dividend 31 percent higher than that of 2024. Combined with the nearly €4 billion share buyback program announced in December, this represents more than €9.2 billion.

Garanti BBVA announced its financial results for 2025, reporting a net income of TL 111.26 billion. Total assets reached TL 4.55 trillion, and lending stood at TL 3.49 trillion. Customer deposits amounted to TL 3.14 trillion, representing growth of 50 percent over the previous year. Meanwhile, the bank maintained its strong capital position, with a capital adequacy ratio of 17.5¹ percent. Return on average equity (ROAE) reached 29.1 percent and return on average assets (ROAA) was 2.9 percent.

¹Does not include the forbearance introduced by BRSA

BBVA has joined a consortium of eleven major European financial institutions that have formed a joint venture, Qivalis, to launch a euro-pegged stablecoin. The aim is to enable faster and cheaper payments, as well as the settlement of digital assets within a regulated environment backed by all the safeguards that a European bank can offer. The commercial launch is slated for the second half of 2026, once the technical and regulatory developments have been completed.

Boris Becker is a former German tennis player, coach, and writer, regarded as one of the most charismatic legends of modern tennis. In 1985, at just 17 years old, he made history by becoming the youngest Wimbledon champion, a victory that propelled him to worldwide fame. Throughout his career, he won six Grand Slam titles, a Davis Cup, and an Olympic medal, standing out for his aggressive playing style, powerful volley, and unbreakable competitive spirit.

Garanti BBVA surpassed TL 1 trillion in sustainable finance as of January 2026, in line with its new target of TL 3.5 trillion for the 2018-2029 period. This achievement is a reflection of the bank’s long-term commitment to sustainable finance.

Garanti BBVA was honored in three categories at the 2026 Global Finance Sustainable Finance Awards, underscoring its long-term commitment to sustainability and its tangible impact through innovative financing. The bank was named ‘Turkey’s Best Sustainable Finance Bank,’ while its financing for the Antalya-Alanya Highway Project earned it awards for the ‘Sustainable Finance Deal of the Year in Central & Eastern Europe’ and ‘Best Bank Supporting Communities in Central & Eastern Europe.’ This international recognition reflects Garanti BBVA’s leadership in sustainable finance and its ability to deliver measurable contributions in Türkiye and the wider region.

The BBVA Foundation Frontiers of Knowledge Award in Information and Communication Technologies has gone in this eighteenth edition to engineers Joan Daemen and Vincent Rijmen for designing the cryptographic technologies that “underpin today’s digital age,” in the words of the committee, protecting the security of “millions of connected devices worldwide.”

The financing, closed at the end of 2025, aims to support the scaling of Lanes & Planes, the leading provider of digital solutions for mid-market business travel and expense management. The facility will serve to finance the company's growth. This financing partially benefits from the support of the European Union and the European Investment Fund (EIF) under the InvestEU program.

Garanti BBVA has extended its partnership with the Turkish Basketball Federation (TBF) for another five years. The sponsorship, which began in 2001, is the longest-running sponsorship agreement in the history of Turkish basketball. TBF President Hidayet Türkoğlu and Garanti BBVA CEO Mahmut Akten announced the agreement at a signing ceremony on January 27, where they shared their commitment to continuing their collaboration to support Turkish basketball.

Garanti BBVA has released a new video series, ‘Let’s Talk Investing,’ which aims to help viewers understand the world of investing and make more informed decisions. The videos are available on the bank’s YouTube channel and are designed for a wide audience – from beginners with no investment experience to investors seeking to expand their knowledge.

The financial institution was proclaimed the best bank in Spain and Türkiye in the sixth edition of the Sustainable Finance Awards. Global Finance also recognized BBVA as the best bank for green bonds and presented the bank the award for sustainable finance deal of the year for the agreement with Verdalia to build biomethane plants.

BBVA has earned the Top Employer 2026 certification for the fourth year running, making the bank one of the best companies to work for in Spain.

Garanti BBVA Payment Systems (GÖSAŞ) recently released the report ‘2025 Card Payments in Türkiye.’ The study, which analyzes trends in card spending, bank and credit card ownership and e-commerce growth, revealed rising credit and debit card spending volumes, increased contactless use, and a growing preference for upfront transactions. The study was based on data from the Interbank Card Center (BKM).

Garanti BBVA has incorporated two new features into its mobile app that let customers plan, reserve and manage their travel in one place. In partnership with Jolly, the bank has added ‘Plan Your Trip’ and ‘Add Trip’ features to the ‘My Travel’ section of its mobile app, with all travel transactions taking place seamlessly and securely on the app.

The BBVA Foundation has awarded the Frontiers of Knowledge Award in Basic Sciences to physicists Allan MacDonald (Canada) and Pablo Jarillo-Herrero (Spain) for the discovery of a “magic angle” that makes it possible to induce superconductivity, magnetism, and other properties by rotating novel materials such as graphene. Their findings open the door to high-impact applications, ranging from lossless electricity transmission to the development of electronic devices and quantum computing technologies.

As of 1 February 2026, BBVA Germany will move the first customers whose introductory offer is coming to an end to the variable interest model of their free current account. As part of its commitment to long-term remuneration with transparent conditions, the bank is setting the variable interest rate for the first quarter of 2026 at 2.0% p.a. This rate applies until 31 March 2026. The variable long-term interest rate is set for each quarter and communicated to customers in advance.

ALTÉRRA announces plans for a new $1.2bn climate co-investment vehicle with BBVA as proposed strategic LP. BBVA commits $250m¹ to the partnership reflecting the bank’s ambitions in the sustainable finance space and the expansion of its regional and international footprint. The initiative accelerates ALTÉRRA’s ambition to mobilize third-party capital at scale and expand its global network of institutional collaborators.

Garanti BBVA was recently honored with two awards at the 2025 Digital Banking Awards, organized by international financial publishing group World Finance, for the ‘Best Digital Bank in Retail Banking’ and the ‘Best Mobile Banking App.’ The awards are a reflection of the bank’s approach to digital banking and its focus on customers.

For the fourth year in a row, BBVA has been ranked as the leading bank to work for in Spain in the Merco Talento report, which assesses companies’ appeal as employers. The Bank has also once again been recognized among the country’s top human resources teams.

Garanti BBVA completely reshaped digital banking in 2025. With generative artificial intelligence at the heart of its digital strategy, the bank has evolved the user experience, making it more intuitive, more personalized and smarter. Garanti BBVA Mobile has transformed the banking experience by seamlessly integrating into millions of customers’ daily lives.

In an interview on BBVA’s corporate website, the bank’s Chair, Carlos Torres Vila, took stock of 2025, which he described as “a magnificent year, with BBVA in its best moment,” and shared his outlook for 2026. The bank foresees continued growth in all countries and business areas, especially in sustainability and corporate banking, driven by a strategic plan that puts customers clearly at the center. BBVA also reaffirms its ambition to lead banking in the age of artificial intelligence. In this context, the Chair underlined that between 2025 and 2028, BBVA expects to “generate €49 billion in top-quality capital,” which will be used to finance organic growth and shareholder remuneration.

In 2025, BBVA successfully completed the global rollout of ADA, its new data and artificial intelligence platform. This technological foundation is key in enabling the bank to offer clients more agile, personalized, and efficient services. Over the course of the year, ADA also received recognition from numerous international organizations operating in the financial and technology sectors.