Banco Bilbao Vizcaya Argentaria SA
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Banco Bilbao Vizcaya Argentaria SA
Banco Bilbao Vizcaya Argentaria, or BBVA, is a large bank that takes deposits, makes loans, and handles everyday banking for people and businesses. It serves retail customers, small and medium-sized companies, and larger corporate clients through branches, digital banking, cards, mortgages, consumer loans, and business financing. Its core job is to gather customer deposits and turn them into loans and payment services. BBVA makes money mainly from the interest spread between what it pays on deposits and what it earns on loans, plus fees from account services, card payments, transfers, wealth management, and other banking products. It also earns from serving companies with cash management, trade finance, and lending tied to working capital and investment needs. Like most banks, it sits at the center of the financial system by moving money, extending credit, and helping customers save and pay. What sets BBVA apart is its mix of traditional banking and a strong digital delivery model, with a heavy focus on online and mobile channels. That matters because many customers now expect to manage most banking tasks without visiting a branch, while still wanting a full-service bank behind the app. BBVA also has a broad geographic footprint, so it can serve local retail markets and business clients across more than one country and balance consumer banking with corporate and commercial relationships.
Banco Bilbao Vizcaya Argentaria, or BBVA, is a large bank that takes deposits, makes loans, and handles everyday banking for people and businesses. It serves retail customers, small and medium-sized companies, and larger corporate clients through branches, digital banking, cards, mortgages, consumer loans, and business financing. Its core job is to gather customer deposits and turn them into loans and payment services.
BBVA makes money mainly from the interest spread between what it pays on deposits and what it earns on loans, plus fees from account services, card payments, transfers, wealth management, and other banking products. It also earns from serving companies with cash management, trade finance, and lending tied to working capital and investment needs. Like most banks, it sits at the center of the financial system by moving money, extending credit, and helping customers save and pay.
What sets BBVA apart is its mix of traditional banking and a strong digital delivery model, with a heavy focus on online and mobile channels. That matters because many customers now expect to manage most banking tasks without visiting a branch, while still wanting a full-service bank behind the app. BBVA also has a broad geographic footprint, so it can serve local retail markets and business clients across more than one country and balance consumer banking with corporate and commercial relationships.
Strong quarter: BBVA said first-quarter profit was “almost EUR 3 billion,” up 10.8% year over year, with EPS of EUR 0.51 and a 21.7% return on tangible equity.
Revenue engine: Core income was strong, with net interest income up 20.2% and fees up 15.5%, driving gross income up 18.3% in constant euros.
Capital and buybacks: CET1 rose 13 basis points to 12.83%, and BBVA said it will start the third tranche of its nearly EUR 4 billion buyback program on 6 May.
Country mix: Spain, Mexico, Turkey, South America, and Rest of Business all contributed, but management was especially upbeat on Mexico activity and more cautious on Turkey due to macro uncertainty.
Outlook changes: BBVA raised its 2026 outlook for group return on tangible equity and Rest of Business, and kept a positive bias on Mexico activity, while giving Turkey a downward bias.
Risk discipline: Management said it has not seen clear signs of credit stress, but it booked about EUR 100 million of post-model adjustments and is monitoring sectors exposed to higher energy costs and geopolitical shock.
Management
Onur Genç is a prominent banking executive known for his role as the CEO of Banco Bilbao Vizcaya Argentaria (BBVA), a leading multinational financial services group based in Spain. He was appointed to the position in December 2018, succeeding Carlos Torres Vila. Genç was born in Turkey and pursued his education in engineering and business. He holds a bachelor's degree in Electrical Engineering from Boğaziçi University in Istanbul and an MBA from Carnegie Mellon University's Tepper School of Business in the United States. His educational background provided him with a strong foundation in analytical thinking and strategic management. Before joining BBVA, Onur Genç gained extensive experience in the banking sector, notably at Garanti Bank in Turkey, where he held several senior roles. His tenure at Garanti, Turkey's second-largest private bank, was marked by significant achievements, showcasing his capabilities in driving growth and digital transformation. As CEO of BBVA, Genç has focused on enhancing the bank’s digital capabilities and expanding its global reach, with a particular emphasis on innovation and customer experience. Under his leadership, BBVA has continued to strengthen its presence in strategic markets and has been at the forefront of embracing new technologies in the banking industry. Genç is recognized for his strategic vision and commitment to driving sustainable growth in a rapidly evolving financial landscape, positioning BBVA as a forward-thinking institution. His leadership style is characterized by a strong focus on digital transformation, customer-centric approaches, and operational efficiency.
Genç was born in Turkey and pursued his education in engineering and business. He holds a bachelor's degree in Electrical Engineering from Boğaziçi University in Istanbul and an MBA from Carnegie Mellon University's Tepper School of Business in the United States. His educational background provided him with a strong foundation in analytical thinking and strategic management.
Before joining BBVA, Onur Genç gained extensive experience in the banking sector, notably at Garanti Bank in Turkey, where he held several senior roles. His tenure at Garanti, Turkey's second-largest private bank, was marked by significant achievements, showcasing his capabilities in driving growth and digital transformation.
As CEO of BBVA, Genç has focused on enhancing the bank’s digital capabilities and expanding its global reach, with a particular emphasis on innovation and customer experience. Under his leadership, BBVA has continued to strengthen its presence in strategic markets and has been at the forefront of embracing new technologies in the banking industry.
Genç is recognized for his strategic vision and commitment to driving sustainable growth in a rapidly evolving financial landscape, positioning BBVA as a forward-thinking institution. His leadership style is characterized by a strong focus on digital transformation, customer-centric approaches, and operational efficiency.
Maria Luisa Gomez Bravo is a prominent figure in the financial sector, particularly known for her role at Banco Bilbao Vizcaya Argentaria SA (BBVA). She has held key leadership positions within the bank, contributing significantly to its strategic initiatives and financial operations. Gomez Bravo has an extensive background in banking, finance, and corporate strategy. Before joining BBVA, she accumulated valuable experience at various financial institutions, enhancing her expertise in areas such as investment banking, global markets, and risk management. At BBVA, she has served in pivotal roles, including but not limited to positions related to group finance and development. Her responsibilities typically include overseeing financial planning, capital management, and ensuring the alignment of financial strategies with the bank's broader objectives. Gomez Bravo is known for her analytical acumen and leadership skills, which have been instrumental in driving financial performance and facilitating transformation within the organization. Her journey in the banking sector is marked by a commitment to innovation and excellence, making her a respected leader at BBVA and in the global banking community.
Gomez Bravo has an extensive background in banking, finance, and corporate strategy. Before joining BBVA, she accumulated valuable experience at various financial institutions, enhancing her expertise in areas such as investment banking, global markets, and risk management.
At BBVA, she has served in pivotal roles, including but not limited to positions related to group finance and development. Her responsibilities typically include overseeing financial planning, capital management, and ensuring the alignment of financial strategies with the bank's broader objectives. Gomez Bravo is known for her analytical acumen and leadership skills, which have been instrumental in driving financial performance and facilitating transformation within the organization.
Her journey in the banking sector is marked by a commitment to innovation and excellence, making her a respected leader at BBVA and in the global banking community.
Francisco Javier Rodríguez Soler is a notable figure in the banking and financial industry, particularly associated with Banco Bilbao Vizcaya Argentaria (BBVA), one of Spain's largest banks. Rodríguez Soler has held various significant roles within the BBVA Group, contributing strategically and operationally to its growth and success. He is notably recognized for his position as the Global Head of Sustainability at BBVA. In this role, Rodríguez Soler is responsible for steering the bank’s sustainability strategy, focusing on aligning financial profitability with socially responsible practices and environmental sustainability. This role reflects BBVA's commitment to sustainable finance and its integration into the bank's core business, which underscores the global shift towards responsible banking and green financing. Rodríguez Soler’s career at BBVA has been marked by his extensive expertise in finance, strategy, and management. Throughout his tenure, he has played a pivotal role in various strategic initiatives, fostering innovation and adaptation to the rapidly changing dynamics of global finance. He has been instrumental in driving the bank’s efforts to integrate digital transformation and sustainability into its business model, ensuring that BBVA remains at the forefront of banking trends. His educational background and professional experience have equipped him with a comprehensive understanding of the financial sector, making him a respected leader within the industry. As part of BBVA's executive committee, Rodríguez Soler continues to influence the strategic direction of the bank, emphasizing the importance of sustainable practices in financial decision-making. His leadership and vision are vital to BBVA as the bank navigates the challenges and opportunities presented by the global emphasis on sustainable development, making him a key player in the future of banking and finance.
He is notably recognized for his position as the Global Head of Sustainability at BBVA. In this role, Rodríguez Soler is responsible for steering the bank’s sustainability strategy, focusing on aligning financial profitability with socially responsible practices and environmental sustainability. This role reflects BBVA's commitment to sustainable finance and its integration into the bank's core business, which underscores the global shift towards responsible banking and green financing.
Rodríguez Soler’s career at BBVA has been marked by his extensive expertise in finance, strategy, and management. Throughout his tenure, he has played a pivotal role in various strategic initiatives, fostering innovation and adaptation to the rapidly changing dynamics of global finance. He has been instrumental in driving the bank’s efforts to integrate digital transformation and sustainability into its business model, ensuring that BBVA remains at the forefront of banking trends.
His educational background and professional experience have equipped him with a comprehensive understanding of the financial sector, making him a respected leader within the industry. As part of BBVA's executive committee, Rodríguez Soler continues to influence the strategic direction of the bank, emphasizing the importance of sustainable practices in financial decision-making.
His leadership and vision are vital to BBVA as the bank navigates the challenges and opportunities presented by the global emphasis on sustainable development, making him a key player in the future of banking and finance.
María Jesús Arribas de Paz is known for her role as an executive at Banco Bilbao Vizcaya Argentaria (BBVA), one of Spain's leading financial institutions. She has played a significant role in the bank's legal department, bringing her extensive expertise and leadership skills to the organization. Arribas de Paz has contributed to various strategic projects and regulatory matters, supporting the bank's compliance and governance framework. Her work involves ensuring that BBVA navigates the complex legal landscape of the banking industry effectively, as well as aligning with international standards and best practices. Her influence extends to guiding BBVA through legal challenges while fostering a culture of transparency and ethical practices within the institution.
Jaime Saenz de Tejada Pulido has been a prominent figure in the banking industry, particularly known for his significant contributions at Banco Bilbao Vizcaya Argentaria SA (BBVA). He served as the Chief Financial Officer (CFO) at BBVA, where he played a critical role in managing the bank's financial strategy. His responsibilities included overseeing financial operations, managing risk, and ensuring the bank's financial stability and compliance with regulatory requirements. Saenz de Tejada's tenure at BBVA was marked by his efforts to navigate complex financial environments and adapt to rapid changes in the banking sector, including the integration of digital technologies and advancements in financial services. His leadership and strategic vision have been instrumental in driving BBVA’s financial performance and growth on a global scale. With a background that combines strong financial expertise and a deep understanding of the global banking landscape, Saenz de Tejada has contributed to shaping the bank's strategic direction and financial health. His work has been acknowledged for enhancing BBVA’s operational efficiency and reinforcing its position as a leading financial institution. His comprehensive approach and focus on innovation have been pivotal in maintaining the bank's competitive edge in the financial industry.
Saenz de Tejada's tenure at BBVA was marked by his efforts to navigate complex financial environments and adapt to rapid changes in the banking sector, including the integration of digital technologies and advancements in financial services. His leadership and strategic vision have been instrumental in driving BBVA’s financial performance and growth on a global scale.
With a background that combines strong financial expertise and a deep understanding of the global banking landscape, Saenz de Tejada has contributed to shaping the bank's strategic direction and financial health. His work has been acknowledged for enhancing BBVA’s operational efficiency and reinforcing its position as a leading financial institution. His comprehensive approach and focus on innovation have been pivotal in maintaining the bank's competitive edge in the financial industry.
Paul G. Tobin is recognized for his significant contributions to Banco Bilbao Vizcaya Argentaria (BBVA), one of the largest financial institutions globally, based in Spain. At BBVA, Tobin has been instrumental in shaping the bank's strategic direction and operations, particularly in areas concerning finance and risk management. Tobin's role typically involves overseeing financial planning and analysis, ensuring effective risk management frameworks, and contributing to strategic decision-making processes that align with the bank's long-term goals. His expertise in financial markets and risk assessment has been invaluable in navigating the complex financial landscapes that BBVA operates within. He is known for his leadership skills and his ability to foster innovation and efficiency within the bank, supporting BBVA's mission to enhance its digital transformation and customer-centric service offerings. Tobin's leadership has been a driving force in BBVA's efforts to adapt to the evolving financial industry, emphasizing sustainability and technological advancement. Under his guidance, BBVA continues to advance its position as a leader in banking, striving to meet the changing needs of its global customer base while upholding a commitment to ethical and sustainable business practices.
Tobin's role typically involves overseeing financial planning and analysis, ensuring effective risk management frameworks, and contributing to strategic decision-making processes that align with the bank's long-term goals. His expertise in financial markets and risk assessment has been invaluable in navigating the complex financial landscapes that BBVA operates within.
He is known for his leadership skills and his ability to foster innovation and efficiency within the bank, supporting BBVA's mission to enhance its digital transformation and customer-centric service offerings. Tobin's leadership has been a driving force in BBVA's efforts to adapt to the evolving financial industry, emphasizing sustainability and technological advancement.
Under his guidance, BBVA continues to advance its position as a leader in banking, striving to meet the changing needs of its global customer base while upholding a commitment to ethical and sustainable business practices.
David Puente Vicente is a notable executive at Banco Bilbao Vizcaya Argentaria (BBVA), where he has played a significant role in driving the bank's digital transformation. He has been associated with BBVA in positions that focus on innovation and leveraging technology to enhance banking services and customer experiences. As an advocate for digital banking, Puente Vicente has overseen various initiatives aimed at integrating cutting-edge technologies into financial services, improving operational efficiency, and expanding the bank's digital footprint. His contributions have been integral to BBVA's reputation as a leader in digital banking solutions.
Jorge Sáenz-Azcunaga Carranza is a prominent executive at Banco Bilbao Vizcaya Argentaria (BBVA), one of Spain's leading financial institutions. He has held various significant roles within the bank, where his expertise in strategy, finance, and business development has been instrumental in BBVA's operations. Over the years, Sáenz-Azcunaga Carranza has contributed to the bank's growth both in Spain and internationally. He is known for his in-depth understanding of the banking sector and has participated in various projects aimed at enhancing BBVA's technological and financial capabilities. His leadership style emphasizes innovation and customer-centric approaches, aligning with BBVA's commitment to digital transformation and sustainable banking. Sáenz-Azcunaga Carranza's career at BBVA showcases a trajectory marked by progressive responsibility and success in diverse areas of banking, highlighting his role as a key figure in the organization's continuous evolution in the competitive global market.
He is known for his in-depth understanding of the banking sector and has participated in various projects aimed at enhancing BBVA's technological and financial capabilities. His leadership style emphasizes innovation and customer-centric approaches, aligning with BBVA's commitment to digital transformation and sustainable banking.
Sáenz-Azcunaga Carranza's career at BBVA showcases a trajectory marked by progressive responsibility and success in diverse areas of banking, highlighting his role as a key figure in the organization's continuous evolution in the competitive global market.
Rafael Domenech Vilarino is an influential figure at Banco Bilbao Vizcaya Argentaria SA (BBVA), a prominent multinational banking group based in Spain. He is recognized for his expertise in economic analysis and strategic insights into global and regional economic trends. As an executive at BBVA, Domenech has contributed significantly to the bank's research and wealth management areas. He serves as the Head of Economic Analysis within the BBVA Research department. In this role, he is responsible for overseeing economic research that supports the bank's strategic decision-making and provides valuable insights to its clients. Domenech's work involves analyzing macroeconomic trends, conducting economic forecasting, and offering policy recommendations. His insights are highly regarded in the financial sector, often featured in economic publications and at international conferences. Rafael Domenech holds a strong academic background, with advanced degrees in economics that underpin his expertise. He is actively involved in economic discourse, contributing to discussions on crucial topics like fiscal policy, economic growth, and financial markets. His contributions at BBVA and beyond reflect his commitment to advancing economic understanding and fostering informed decision-making in the financial industry.
As an executive at BBVA, Domenech has contributed significantly to the bank's research and wealth management areas. He serves as the Head of Economic Analysis within the BBVA Research department. In this role, he is responsible for overseeing economic research that supports the bank's strategic decision-making and provides valuable insights to its clients.
Domenech's work involves analyzing macroeconomic trends, conducting economic forecasting, and offering policy recommendations. His insights are highly regarded in the financial sector, often featured in economic publications and at international conferences.
Rafael Domenech holds a strong academic background, with advanced degrees in economics that underpin his expertise. He is actively involved in economic discourse, contributing to discussions on crucial topics like fiscal policy, economic growth, and financial markets.
His contributions at BBVA and beyond reflect his commitment to advancing economic understanding and fostering informed decision-making in the financial industry.
As of the latest available information, Ana Rubio is a prominent figure associated with Banco Bilbao Vizcaya Argentaria SA (BBVA). She serves as the Chief Economist for Regulation and Public Policies. In this role, she is responsible for analyzing and influencing regulatory frameworks and public policies that impact the banking sector. Ana Rubio's work involves strategic planning and developing insights that align with both regulatory requirements and the bank's objectives. Her expertise is integral to navigating the complex economic landscape and ensuring BBVA's compliance and competitive positioning in the global financial market. She is recognized for her contributions to economic research and policy development within the banking industry.
