BBVA
BBVA is a Spanish global banking group operating across Spain, Mexico, Turkey, Argentina, and Latin America, providing retail, commercial, and investment banking services to individuals, SMEs, and corporations with strong AI/digital transformation strategy via OpenAI partnership.
- Company typePublic
- Founded1999
- HeadquartersBuenos Aires, Argentina
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What BBVA does
BBVA (Banco Bilbao Vizcaya Argentaria S.A.) is a Spanish global banking group formed in 1999 through the merger of Banco Bilbao Vizcaya Argentaria and Argentaria, operating across Spain, Mexico, Turkey, Argentina, Peru, Colombia, Germany, Italy, and with planned entry into Japan by end of 2026. The bank employs 120,000+ people globally and provides comprehensive retail, commercial, corporate, and investment banking services including deposit accounts, lending products (personal loans, mortgages, credit cards), insurance, investment products (mutual funds, fixed-term deposits), and corporate and investment banking with FY2025 record CIB revenues of €6,558 million.
BBVA's technology platform spans multi-regional banking infrastructure with significant investment in AI and digital transformation through its strategic OpenAI partnership. The bank deployed ChatGPT Enterprise to 11,000+ employees with plans to scale to 120,000 globally, and launched a conversational banking app inside ChatGPT for users in Italy and Germany. Additional technology bets include participation in the Qivalis consortium developing MiCA-compliant euro stablecoin infrastructure using Fireblocks technology, the Q-MIND quantum computing initiative, and digital banking platforms (Banca Online, App BBVA, BBVA Empresas) integrated with payment networks (Visa, Mastercard, Apple Pay, Google Pay, MODO).
BBVA's business model generates revenue primarily through net interest income from interest rate spreads on loans and deposits (€7,537M in Q1 2026, +17.8% YoY), supplemented by fee income from banking services and card transactions ($120M in BBVA Argentina Q1 2026, +28% YoY), corporate and investment banking (record €6,558M FY2025), and insurance/investment product distribution. Customer segments span individual retail (savings accounts, credit cards, personal loans, mortgages), business and corporate customers (financing, trade services, merchant solutions), retirees and pensioners, and real estate buyers. The bank reported FY2025 record net profit of €10.51 billion with ROTE of 22% in Q1 2026.
BBVA firmographics
Firmographics- Name
- BBVA
- Legal name
- Banco Bilbao Vizcaya Argentaria S.A.
- Website
- https://bbva.com.ar
- Company type
- Public
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- BBVA is a Spanish global banking group operating across Spain, Mexico, Turkey, Argentina, and Latin America, providing retail, commercial, and investment banking services to individuals, SMEs, and corporations with strong AI/digital transformation strategy via OpenAI partnership.
- Ownership category
- akta.pro rank
BBVA industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- Consumer & Retail (CPG, Food, Apparel) (FSABACAM)
Keywords
Where BBVA is headquartered
LocationHeadquarters
- HQ city
- Buenos Aires
- HQ country
- Argentina
- HQ region
- Latin America
Offices6 records
Markets served
BBVA business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Net Interest Income: BBVA generates revenue primarily through interest rate spreads between loans and deposits across its geographic footprint including Spain, Mexico, Turkey, and South America. Q1 2026 net interest income rose 17.8% to €7,537 million
- Fee Income: Fee income from banking services, card transactions, and account management fees. BBVA Argentina fee income increased 28% year-over-year to around $120 million in Q1 2026
- Corporate and Investment Banking: BBVA CIB reported record revenues of €6,558 million for full-year 2025, with Global Markets €2,442 million, Global Transaction Banking €2,529 million, and Investment Banking & Finance €1,441 million
- Insurance and Investment Products: BBVA offers insurance products including accident, auto, home, pet, technology, and life insurance, along with investment products like mutual funds and fixed-term deposits
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Préstamo Express - Short-term personal loan with immediate accreditation |
| Subscription | Monthly | Savings Account - Free maintenance for individuals |
| Transaction based/ take rate | Pay-as-you-go | ATM Transactions |
| Subscription | Annual | Credit Card Annual Fees |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
BBVA product offering
Product offeringCore offering
BBVA is a global banking group operating across Spain, Mexico, Turkey, and selected Latin American markets, offering retail and commercial banking services including deposit accounts, lending products, credit and debit cards, investment products, insurance, corporate and investment banking, and international trade finance. The group distributes services through branch networks, digital banking platforms (mobile and online), and strategic partnerships including a conversational banking app inside ChatGPT.
Product overview
BBVA Argentina operates as a comprehensive financial institution offering a platform-plus-modules architecture with retail, business, and digital banking services. The core offerings include deposit accounts (Caja de Ahorro, Cuenta Sueldo, Cuenta Corriente), card products (Visa and Mastercard credit/debit cards), and lending products (Préstamos Personales, Préstamo Express, Adelanto de Sueldo, Préstamos Prendarios, Créditos Hipotecarios). Digital services are delivered through Banca Online, App BBVA, and BBVA Empresas platforms. Investment products include Plazos Fijos and Fondos Comunes de Inversión, while insurance is offered through the BBVA Seguros range. The loyalty ecosystem comprises Millas BBVA and the Programa de Beneficios, with merchant services through Openpay for payment acceptance.
Differentiator
Problem solved
Functional benefit
Brands
- BBVA Móvil: Mobile banking application for customers
- BBVA Empresas
- BBVA Go
- Millas BBVA
- BBVA Research
Products and services
- BBVA Personas (Retail Banking) Comprehensive retail banking services for individuals including deposit accounts, credit/debit cards, personal loans, mortgages, investments, and insurance products distributed through branches and digital channels.
- BBVA Empresas (Business Banking) Banking, financing, and payment services for SMEs and large corporate clients, including cash flow management, foreign trade operations, merchant services, and agribusiness financing.
- BBVA Corporate & Investment Banking (CIB) Corporate and investment banking services including Global Markets trading, Global Transaction Banking, Investment Banking & Finance, and advisory services for large enterprises and institutional clients.
- Tarjetas de Crédito (Credit Cards) Visa and Mastercard credit cards with rewards, installment payment options, travel assistance, and international acceptance for individual consumers.
- Tarjeta de Débito Debit card linked to savings or salary accounts with Visa acceptance for purchases, ATM withdrawals, and contactless payments.
- Cuentas (Deposit Accounts) Deposit account products including fee-free savings accounts (Caja de Ahorro), current accounts with overdraft (Cuenta Corriente), salary accounts (Cuenta Sueldo), and specialized premium variants for individual customers.
- Préstamos Personales (Personal Loans) Personal loans for individuals with amounts up to $40 million online or $70 million in branches, terms up to 72 months, and fixed French amortization system.
- Préstamo Express Short-term personal loan with immediate accreditation, repayable in 1-2 installments, processed 100% online with TNA 120%.
- Créditos Hipotecarios (Mortgage Loans) Residential mortgage loans with rates from 7.5% + UVA, long repayment terms, and property as collateral for home purchase financing.
- Plazos Fijos (Fixed-term Deposits) Fixed-term deposits in pesos and dollars with competitive interest rates for savings and investment purposes for individual customers.
- Fondos Comunes de Inversión (Mutual Funds) Mutual funds offering diversified investment portfolios across different asset classes and risk profiles for individual investors.
- Seguros (Insurance Products) Comprehensive insurance products including personal accident, auto, home, pet, portable technology, life, and bicycle insurance for individual customers.
- Comercio Exterior (International Trade Services) International trade services including international payments and collections, export financing, and import financing for businesses engaged in cross-border commerce.
- Openpay (Merchant Payment Acceptance) Payment acceptance solution for merchants enabling card transactions, QR payments, and point-of-sale terminal services.
- BBVA Conversational Banking App (inside ChatGPT) Conversational banking app embedded inside ChatGPT allowing customers in Italy and Germany to query accounts, cards, and savings products in natural language with direct links to product pages.
- Cuenta Sueldo (Salary Account) Salary account product offering fee benefits, welcome bonuses up to $360,000, and exclusive banking advantages for salaried employees.
Quantifiable outcome
- Return on tangible equity (ROTE) of 22% for Q1 2026
- +4 more outcomes
Companies that use BBVA
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles3 records
BBVA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability4 records
Feature3 records
BBVA partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- XTransferminorXTransfer signed MoUs with BBVA and Société Générale at Money20/20 Europe to extend its B2B cross-border payment network. This partnership enables BBVA customers to access international payment services.
- OpenAIcoreBBVA launched conversational banking app inside ChatGPT for Italy and Germany users. Strategic partnership has deployed ChatGPT Enterprise to over 11,000 employees with plans to expand to 120,000 globally. BBVA is positioning to own the customer interface layer in conversational AI.
- Q-MIND Quantum ConsortiumminorBBVA participates in Q-MIND, a strategic quantum computing initiative led by GMV with €5.3 million budget integrating quantum computing, quantum communications (QKD), and post-quantum cybersecurity (PQC).
- Qivalis ConsortiumcoreBBVA joined the Qivalis consortium of 12 European banks developing a MiCA-compliant euro stablecoin. The consortium includes BNP Paribas, ING, UniCredit, and others, targeting institutional use cases such as settlement, treasury, and tokenized assets with planned launch in H2 2026.
- FireblockscoreFireblocks was selected by the Qivalis consortium (including BBVA) to provide infrastructure for a MiCA-compliant euro stablecoin. Fireblocks enables banks to issue, transfer, and store digital assets securely.
- Raiffeisen Bank InternationalminorBBVA agreed to sell Garanti BBVA's Romanian subsidiaries to Raiffeisen Bank SA for approximately €591 million ($680 million), expected to close in Q4 2026 subject to regulatory approval.
Scale indicators10 records
Recent moves10 records
Expansion highlights6 records
BBVA competitors and assessment
Company assessmentDirect peers
- Banco Santander: Direct Spanish-headquartered global commercial bank with major retail and corporate franchises in Spain, Mexico, Brazil, Argentina, and the UK. Comparable in scale, geographic footprint, and product breadth, including presence in Argentina competing head-to-head with BBVA Argentina.
- Banco Sabadell: Spanish commercial bank that was the target of BBVA's failed €16B hostile bid in 2024-2025. Operates Spanish retail and SME banking plus a UK subsidiary (TSB), making it a closely comparable Spanish peer in product set and target customer segments.
- CaixaBank: Largest Spanish retail bank with deep domestic deposit franchise, mortgage book, and significant stakes in Erste and BPI. Comparable Spanish peer with similar retail/commercial mix and exposure to Spanish monetary policy.
- Banco Galicia: One of Argentina's largest private-sector banks, competing directly with BBVA Argentina in retail deposits, consumer credit, and SME lending. Closest pure-play Argentine competitor with overlapping customer base and product set.
- Banco Macro: Major Argentine commercial bank with nationwide retail and SME franchise. Direct competitor to BBVA Argentina with similar product breadth in deposits, consumer credit, and agribusiness financing.
- Garanti BBVA: BBVA's Turkish banking subsidiary - included as a direct peer since it shares the BBVA brand, technology stack, and global strategy while operating as Turkey's second-largest private bank. Useful for benchmarking BBVA's emerging-market banking playbook.
Broad incumbents
- HSBC Holdings: Global universal bank with European, Asian, and Latin American presence including historical Argentine operations. Comparable as a large incumbent with global commercial banking, transaction banking, and emerging-markets exposure.
Regional players
- Banco de Crédito del Perú (BCP): Peru's largest commercial bank, part of the Credicorp group. Comparable as a Latin American focused retail/commercial bank with similar consumer lending, deposits, and SME banking model in a high-rate emerging market, mirroring BBVA Argentina's dynamics.
Emerging players
- Mercado Pago: Argentine fintech and payments platform within Mercado Libre ecosystem, named explicitly as BBVA Argentina's primary fintech competitor. Comparable for digital wallet, consumer credit, and merchant acquiring overlap with BBVA's retail banking franchise.
Others
- Raiffeisen Bank International: Austrian-headquartered CEE banking group acquiring BBVA's Garanti Romania unit. Comparable as a European/emerging-markets commercial bank counterparty and direct strategic counterparty in BBVA's recent portfolio reshuffle.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
BBVA social profiles
Digital presenceBBVA financial estimates
Financial estimateRevenue estimate
Valuation estimate
BBVA leadership team
Management profileNumber of profiles
Profiles9 records
BBVA subsidiaries and ownership
Company hierarchySubsidiaries8 records
BBVA funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BBVA M&A and investment
M&A and investmentM&A
Investments36 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BBVA
What does BBVA do?
BBVA is a global banking group operating across Spain, Mexico, Turkey, and selected Latin American markets, offering retail and commercial banking services including deposit accounts, lending products, credit and debit cards, investment products, insurance, corporate and investment banking, and international trade finance. The group distributes services through branch networks, digital banking platforms (mobile and online), and strategic partnerships including a conversational banking app inside ChatGPT.
Is BBVA a public or private company?
BBVA is a public company. It is classified as public and is currently operating.
When was BBVA founded?
BBVA was founded in 1999. It employs 5,001 to 10,000 people.
Where is BBVA based?
BBVA is headquartered in Buenos Aires, Argentina, in the Latin America region.
How does BBVA make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are fee Income, corporate and Investment Banking and insurance and Investment Products.
Who are BBVA's main competitors?
Direct peers on record are Banco Santander, Banco Sabadell, CaixaBank, Banco Galicia, Banco Macro and Garanti BBVA. HSBC Holdings is listed as a broad incumbent. Banco de Crédito del Perú (BCP) is listed as a regional player. Mercado Pago is listed as an emerging player. Raiffeisen Bank International is listed as an others.
Does BBVA have an API?
No public API is recorded for BBVA.
What industry is BBVA in?
BBVA's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABACAM, Consumer & Retail (CPG, Food, Apparel). Its NAICS code is 52211 and its SIC code is 6021.