BBVA has executed two synthetic securitisation transactions, referenced to a residential mortgage portfolio with a combined value of around €3 billion. The transactions allows the bank to release close to 60% of the initial regulatory capital associated with the portfolio, increasing its capacity to continue financing its clients.

BBVA has advised Cellnex on the update of its sustainability-linked financing framework as Co-Sustainability Structuring Advisor, driving the telecommunications enterprise in the development of its strategy in this area. This mandate reinforces the long-term relationship between both entities and BBVA’s role as a trust partner in sustainability.

This innovative AI-powered tool provides the bank’s commercial team access to detailed geospatial information in real time. The goal: to turn complex data into personalized financial solutions for producers.

BBVA CIB helps its clients finance their production stock or inventory as it moves across the globe, connecting manufacturing centres in Asia, industrial hubs in Europe and North America, and commodity markets in Latin America. In doing so, it demonstrates how financial innovation can unlock liquidity, strengthen supply chains and support the continued growth of international trade.

BBVA’s Milan and São Paulo offices have earned the international LEED Gold certification for sustainable construction. This recognition confirms both spaces’ high environmental performance and their contribution to a more sustainable, efficient and people-centered work model.

BBVA has completed the second tranche of the €3.96 billion framework program announced in December 2025 – the largest in its history – after reaching the maximum planned amount of €1.0 billion.

Garanti BBVA has signed memorandums of understanding (MoU) with Bilkent Cyberpark, İTÜ ARI Teknokent, and ODTÜ Teknokent to connect technology startups with financial expertise, mentorship, and global networks. The partnerships will offer entrepreneurs multilayered support—from financial literacy training and acceleration programs to tailored banking solutions.

Christophe Galfard is a theoretical physicist and science communicator, renowned for his ability to explain the great concepts of the universe in an accessible and engaging way. He earned his PhD at the University of Cambridge, where he worked alongside Stephen Hawking, one of the most influential figures in contemporary physics.

As of April 14, 2026, BBVA will be required to maintain a buffer of 23.94 percent of the total risk-weighted assets (RWAs) for its European resolution group. With an MREL ratio of 28.89 percent at the end of December 2025, the bank is already well above this threshold and also meets the additional requirements for subordination and capital buffers.

BBVA Chair Carlos Torres Vila analyzed the main global economic challenges and Europe’s role in a context marked by geopolitical uncertainty this Monday at the ‘Wake Up, Spain!’ event, organized by ‘El Español’. During his remarks, he highlighted the need to strengthen European unity and mobilize investment. The response lies in “more Europe: greater unity and stronger investment ambition. Thinking more in terms of the continent and less along national lines,” he said. He also emphasized the role of artificial intelligence and the energy transition as key drivers of future growth and underlined that “at BBVA, we are leading the transformation of banking in the new era of artificial intelligence.”

In recent years, Europe has been busy developing one of the world’s most ambitious digital regulatory frameworks, covering matters such as data protection and sharing, artificial intelligence (AI), and operational resilience. The result is a robust framework, but also one that is complex and, at times, fragmented. However, since 2023—with the rise in popularity of tools such as ChatGPT—and amid heightened geopolitical tensions, there has been mounting criticism of an approach that is sometimes seen as overly regulatory and as one of the causes of the EU’s technological gap relative to other regions.

The Basel Committee has designed two liquidity ratios to ensure that financial institutions have sufficient liquidity to meet their short-term and long-term obligations: LCR and NSFR. These two requirements are intended to reduce risks in case of episodes of financial turbulence.

The BBVA Bot Talent competition, through which the bank promotes AI adoption across the organization, received 315 proposals from over 1,200 employees in its second edition. The six finalists presented solutions ranging from risk analysis and customer extortion detection to the translation of financial content into indigenous languages and meeting optimization. The winning project, PresentAltor, automates corporate content creation in seconds, helping to reduce manual tasks and enhance team efficiency.

Garanti BBVA has launched a new banking service model for technology startups operating in technoparks, combining tailored financial solutions with specialized advisory support.

Garanti BBVA has expanded its export financing solutions by making its Turkish lira (TRY) Export Loan accessible through digital channels. Clients can now draw on their existing limits without visiting a branch and meet their financing needs quickly and easily, with financing terms of up to 24 months.

The energy transition, digitalisation, sector consolidation and the rollout of new infrastructure are reshaping investment decisions in Europe. In Spain, BBVA CIB has delivered two consecutive years of double-digit growth and has supported transactions and investments of close to €20 billion. José Ramón Vizmanos, Head of BBVA CIB in Spain, explains why this new phase requires more capital, greater financial sophistication and a long-term strategic vision.

The BBVA Foundation presented its Frontiers of Knowledge Award in the Climate Change and Environmental Sciences category to Carl Wunsch (Massachusetts Institute of Technology) for his foundational contributions to studies that revealed the impact of global warming on the world’s oceans. The awardee researcher “had the early insight that the ocean plays a central role in regulating Earth’s climate,” the committee noted.

Garanti BBVA recently announced the expansion of its YouTube video series, ‘Talking Investment’ with new content. Designed to make the investment world accessible to everyone, the series simplifies technical topics to boost financial literacy and support customers in their financial decision-making.

Garanti BBVA has reached an agreement with Raiffeisen Bank S.A. – the Romanian unit of the Austrian bank Raiffeisen Bank International AG’s (RBI) – to sell 100 percent of its franchise in Romania for €591 million.

Citizens, companies, city councils and institutions from all over the world will turn off the lights this Saturday, March 28 for Earth Hour to fight against climate change and the loss of biodiversity. BBVA participates for yet another year in this initiative organized by the World Wildlife Fund, turning off a hundred headquarters, corporate buildings and branches spread throughout all the countries where the bank is present.

Giulia Enders is a German doctor and author who is well known for explaining how the gut works and how it affects our overall health. She helps people understand topics like digestion, gut bacteria, and the connection between the gut and the brain.

Water is one of the four key areas in BBVA’s natural capital management. For the first time, the bank has published a comprehensive calculation of its water footprint. This measurement is based on 2024 data, showing a total water footprint for the Group of 8.6 million m3 equivalent, derived from direct and indirect activities and its environmental impact.

Garanti BBVA was honored at the 2026 Euromoney Private Banking Awards as Türkiye’s Best International Private Bank. This prestigious award from one of the world’s leading financial publications recognizes the bank’s excellence in private banking and wealth management.

Responsible AI is not only a matter of rules or governance. It is also a technical challenge. That was one of the main messages from Clara Higuera, BBVA’s Responsible AI Lead, at QCon London, a leading international conference for engineers, software architects, and technology leaders. Her talk focused on how to turn concepts such as fairness, transparency, and security into methods, metrics, and controls that can be applied throughout the AI development lifecycle.

BBVA held its Annual General Meeting (AGM) this Friday in Bilbao, where Chair Carlos Torres Vila underscored that the bank is “better prepared for the future than ever,” despite an uncertain and changing environment, marked by trade and geopolitical tensions. “At BBVA, we are facing this context with confidence to continue growing, supported by our geographical diversification, our unique combination of growth and profitability and a strategy clearly focused on innovation,” he added. Furthermore, he underlined that BBVA has leading franchises in its core markets, disciplined execution and the best team. “Looking to 2026 we expect to outperform our competitors while increasing profitability to levels of around 20 percent. We were pioneers in the digital transformation, with tremendous success, and once again, we are going to lead banking in the age of artificial intelligence,” the BBVA Chair said.

BBVA is set to resume on March 23 the execution of the extraordinary share buyback program of up to €3.96 billion that it announced on December 19¹. Following the completion of a first tranche of €1.5 billion, it will now begin executing the second tranche for an amount of up to €1 billion.