Banco Bilbao Vizcaya Argentaria, S.A. (BBVA): Business Model Canvas

In der dynamischen Welt des modernen Bankwesens zeichnet sich BBVA als bahnbrechendes Finanzinstitut aus, das sein Geschäftsmodell durch digitale Transformation und strategische Innovation meisterhaft neu konzipiert hat. Durch den Einsatz modernster Technologie, den Aufbau strategischer Partnerschaften und die Priorisierung kundenorientierter Lösungen hat BBVA ein robustes Rahmenwerk geschaffen, das sich nicht nur an die sich schnell entwickelnde Finanzlandschaft anpasst, sondern auch neue Branchenmaßstäbe für digitale Bankerlebnisse setzt. Dieses Business Model Canvas zeigt, wie sich BBVA strategisch als zukunftsorientierte Bank positioniert hat, die traditionelle Finanzdienstleistungen nahtlos mit bahnbrechenden technologischen Fähigkeiten verbindet.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianzen mit globalen Technologieunternehmen

BBVA hat strategische Technologiepartnerschaften mit folgenden Unternehmen aufgebaut:

Technologiepartner	Fokus auf Zusammenarbeit	Jahr der Partnerschaft
Google Cloud	Cloud-Infrastruktur und KI-Technologien	2021
Microsoft	Digitale Transformation und Cybersicherheit	2019
Amazon Web Services	Cloud-Computing-Lösungen	2020

Partnerschaften mit Fintech-Startups für digitale Innovation

Zu den Fintech-Startup-Partnerschaften von BBVA gehören:

• Investitionen in 32 Fintech-Startups weltweit
• 259 Millionen Euro in digitale Innovationsvorhaben investiert
• Partnerschaften mit Startups in den Bereichen künstliche Intelligenz, Blockchain und Digital Banking

Startup	Technologiefokus	Investitionsbetrag
Atombank	Mobile-Banking-Plattform	48,5 Millionen Euro
Vortrieb	Insurtech-Lösungen	22,3 Millionen Euro
Bemühen Sie sich	Finanzmanagement-Tools	15,7 Millionen Euro

Zusammenarbeit mit Telekommunikationsanbietern

BBVAs Telekommunikationspartnerschaften:

• Zusammenarbeit mit Telefónica für digitale Bankdienstleistungen
• Mobile-Banking-Integration mit großen Telekommunikationsanbietern
• 87 Millionen Euro in Telekommunikationsinfrastruktur investiert

Joint Ventures mit internationalen Finanzinstitutionen

Finanzinstitut	Land	Partnerschaftswert	Fokusbereich
Garantie BBVA	Türkei	2,1 Milliarden Euro	Bank- und Finanzdienstleistungen
BBVA Chile	Chile	1,5 Milliarden Euro	Firmenkunden- und Privatkundengeschäft
BBVA Mexiko	Mexiko	4,3 Milliarden Euro	Umfassende Finanzdienstleistungen

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) – Geschäftsmodell: Hauptaktivitäten

Entwicklung einer digitalen Banking-Plattform

BBVA investierte im Jahr 2023 1,3 Milliarden Euro in die digitale Transformation. Die Entwicklung der digitalen Banking-Plattform umfasst:

• Mobile-Banking-App mit 26,1 Millionen aktiven digitalen Nutzern
• Online-Banking-Plattform, die weltweit 34 Millionen Kunden unterstützt
• API-Integration für Finanzdienstleistungen Dritter

Digitale Plattformmetrik	Leistung 2023
Digitale Kundendurchdringung	61.3%
Mobile Banking-Transaktionen	2,4 Milliarden
Abschlussrate des digitalen Onboardings	87%

Finanzprodukt- und Dienstleistungsinnovation

BBVA hat im Jahr 2023 42 neue digitale Finanzprodukte auf den Markt gebracht, mit Schwerpunkt auf:

• Nachhaltige Anlageprodukte
• KI-gesteuerte personalisierte Finanzlösungen
• Blockchain-fähige Transaktionsdienste

Kategorie „Innovation“.	Investitionsbetrag
Forschung und Entwicklung	475 Millionen Euro
Digitale Produktentwicklung	312 Millionen Euro

Risikomanagement und Compliance

BBVA unterhält robuste Risikomanagementprozesse:

• Ein Team zur Einhaltung gesetzlicher Vorschriften besteht aus 1.200 Fachleuten
• Fortschrittliche Cybersicherheitsinfrastruktur
• KI-gestützte Systeme zur Betrugserkennung

Risikomanagement-Metrik	Leistung 2023
Rate der Compliance-Verstöße	0.03%
Prävention von Cybersicherheitsvorfällen	99.8%

Kundendatenanalyse

BBVA nutzt fortschrittliche Datenanalysefunktionen:

• Big-Data-Infrastruktur verarbeitet täglich 500 Terabyte
• Machine-Learning-Modelle für Kundeneinblicke
• Prädiktive Analysen für personalisierte Bankerlebnisse

Datenanalysemetrik	Leistung 2023
Datenverarbeitungsgeschwindigkeit	2,3 Millionen Transaktionen/Sekunde
Personalisierungsgenauigkeit	92%

Nachhaltige Banking-Initiativen

BBVA engagiert sich für nachhaltige Bankstrategien:

• Mobilisierung nachhaltiger Finanzmittel in Höhe von 100 Milliarden Euro bis 2025
• Ziel der CO2-Neutralität bis 2050
• Erweiterung des grünen Anlageportfolios

Nachhaltigkeitsmetrik	Leistung 2023
Grüne Finanzierung	52,3 Milliarden Euro
CO2-Reduktion	23%

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) – Geschäftsmodell: Schlüsselressourcen

Fortschrittliche technologische Infrastruktur

BBVA investierte im Jahr 2023 2,3 Milliarden Euro in Technologie und digitale Transformation. Die Bank betreibt ein umfassendes technologisches Ökosystem mit über 7.500 IT-Experten weltweit.

Technologieinvestitionen	Digitale Plattformen	Budget für Cybersicherheit
2,3 Milliarden Euro (2023)	Über 25 digitale Banking-Anwendungen	Jährliche Zuweisung von 450 Millionen Euro

Starke Fähigkeiten im Bereich Digital Banking

Die digitale Bankplattform von BBVA bedient 35,4 Millionen digitale Kunden in mehreren Märkten.

• 35,4 Millionen digitale Kunden
• 78 % der Kundeninteraktionen erfolgen über digitale Kanäle
• Über 1.500 KI- und maschinelle Lernmodelle im Einsatz

Umfangreiches globales Filialnetz

Gesamtzahl der Filialen	Einsatzländer	Physische Präsenz
6.029 Filialen	16 Länder	4 Kernmärkte: Spanien, Mexiko, Türkei, Südamerika

Qualifizierte Arbeitskräfte mit digitaler Expertise

BBVA beschäftigt im Jahr 2023 insgesamt 113.857 Mitarbeiter, von denen 45 % über fortgeschrittene digitale Fähigkeiten verfügen.

• Insgesamt 113.857 Mitarbeiter
• 45 % mit erweiterten digitalen Fähigkeiten
• Durchschnittliche Mitarbeiterschulung: 52 Stunden pro Jahr

Robustes Finanzkapital

Gesamtvermögen	Hartes Kernkapital 1	Nettoeinkommen
792,6 Milliarden Euro	13.98%	6,9 Milliarden Euro (2023)

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) – Geschäftsmodell: Wertversprechen

Umfassende digitale Banking-Lösungen

BBVA meldete im Jahr 2023 weltweit 44,8 Millionen digitale Kunden, was 64 % des gesamten Kundenstamms entspricht. Die Online-Banking-Plattform verarbeitete im Laufe des Jahres 2,3 Milliarden digitale Transaktionen.

Kennzahlen zum digitalen Banking	Leistung 2023
Digitale Kunden	44,8 Millionen
Digitales Transaktionsvolumen	2,3 Milliarden
Mobile-Banking-App-Downloads	12,6 Millionen

Personalisierte Finanzdienstleistungen

BBVA investierte im Jahr 2023 1,2 Milliarden Euro in KI- und Personalisierungstechnologien. Implementierte 247 Modelle für maschinelles Lernen zur Optimierung des Kundenerlebnisses.

• Maßgeschneiderte Finanzproduktempfehlungen
• Personalisierte Algorithmen zur Risikobewertung
• Individuelle Tools zur Überwachung der finanziellen Gesundheit

Erweiterte Erfahrungen im Mobile- und Online-Banking

Die Mobile-Banking-Plattform erreichte eine Benutzerzufriedenheitsrate von 98,5 %. Durchschnittliche Reaktionszeit der mobilen App: 0,3 Sekunden.

Mobile-Banking-Leistung	Metriken
Benutzerzufriedenheitsrate	98.5%
App-Reaktionszeit	0,3 Sekunden
Benutzer der biometrischen Authentifizierung	36,7 Millionen

Nachhaltiger und verantwortungsvoller Bankansatz

BBVA hat bis 2025 200 Milliarden Euro für nachhaltige Finanzierung bereitgestellt. Das grüne Finanzierungsportfolio erreichte 2023 52,4 Milliarden Euro.

• Verpflichtung zur CO2-Neutralität bis 2050
• Finanzierung von Projekten im Bereich erneuerbare Energien
• ESG-Anlageprodukte

Innovative Finanztechnologieprodukte

BBVA hat im Jahr 2023 735 Millionen Euro für Fintech-Innovationen bereitgestellt. 37 neue digitale Finanzprodukte auf den Markt gebracht.

Innovationskennzahlen	Daten für 2023
Innovationsinvestition	735 Millionen Euro
Neue digitale Produkte	37
Blockchain-Transaktionen	126,500

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) – Geschäftsmodell: Kundenbeziehungen

Omnichannel-Kundenbindung

Im Jahr 2024 betreibt BBVA 6.097 physische Filialen in mehreren Ländern. Die Bank unterhält 36,4 Millionen digitale Kunden und 25,8 Millionen aktive Mobile-Banking-Nutzer.

Kanal	Kennzahlen zum Benutzerengagement
Mobiles Banking	25,8 Millionen aktive Nutzer
Online-Banking	36,4 Millionen digitale Kunden
Physische Zweige	Insgesamt 6.097 Filialen

Personalisierter digitaler Kundensupport

BBVA setzt KI-gesteuerten Kundensupport mit digitaler Unterstützung rund um die Uhr ein und bearbeitet etwa 68 % der Kundenanfragen über digitale Kanäle.

• KI-gestützte Chatbot-Auflösungsrate: 87 %
• Durchschnittliche Reaktionszeit des digitalen Supports: 2,3 Minuten
• Kundenzufriedenheitsbewertung für den digitalen Support: 4,6/5

Mobile und Online-Self-Service-Plattformen

Die digitalen Plattformen von BBVA verarbeiten 72 % aller Kundentransaktionen ohne menschliches Eingreifen.

Digitaler Service	Transaktionsvolumen
Mobile Banking-Transaktionen	1,2 Milliarden jährlich
Online-Kontoverwaltung	82 % der Kunden nutzen es regelmäßig

Kundenbindungsprogramme

Das Treueprogramm von BBVA umfasst 4,7 Millionen aktive Teilnehmer mit personalisierten Prämien und Vorteilen.

• Mitgliederwachstum im Treueprogramm: 14 % im Jahresvergleich
• Durchschnittliche Kundenbindungsrate: 76 %
• Prämieneinlösungsrate: 62 %

Proaktive Finanzberatungsdienste

BBVA bietet personalisierte Finanzberatung über digitale und menschliche Kanäle, wobei 3,2 Millionen Kunden fortschrittliche Finanzberatungsdienste nutzen.

Beratungsdienst	Benutzerstatistiken
Digitale Finanzplanung	2,1 Millionen Nutzer
Persönliche Finanzberatung	1,1 Millionen Kunden

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) – Geschäftsmodell: Kanäle

Mobile-Banking-Anwendung

Die Mobile-Banking-Anwendung von BBVA bedient ab 2023 37,1 Millionen aktive digitale Kunden. Die App wurde auf den globalen Märkten 25,6 Millionen Mal heruntergeladen. Der digitale Umsatz über mobile Plattformen erreichte im Jahr 2023 11,4 Milliarden Euro.

Metrik für mobile Apps	Daten für 2023
Aktive digitale Kunden	37,1 Millionen
Gesamtzahl der App-Downloads	25,6 Millionen
Digitales Verkaufsvolumen	11,4 Milliarden Euro

Online-Banking-Website

Die Online-Banking-Plattform von BBVA unterstützt 29,3 Millionen digitale Kunden. Die Website verarbeitet etwa 65 % aller Kundentransaktionen mit einem durchschnittlichen monatlichen Traffic von 18,2 Millionen einzelnen Besuchern.

• Digitaler Kundenstamm: 29,3 Millionen
• Transaktionsverarbeitungsrate: 65 %
• Monatliche Website-Besucher: 18,2 Millionen

Physische Bankfilialen

BBVA unterhält ab 2023 6.271 physische Bankfilialen in mehreren Ländern. Das Filialnetz deckt 16 Hauptmärkte mit einer Gesamtbelegschaft von 126.813 Mitarbeitern ab.

Filialnetzwerkmetrik	Daten für 2023
Gesamtzahl der physischen Zweige	6,271
Insgesamt abgedeckte Märkte	16
Gesamtzahl der Filialmitarbeiter	126,813

ATM-Netzwerk

BBVA betreibt weltweit 35.683 Geldautomaten, davon 22.416 in Primärmärkten. Diese Maschinen verarbeiten jährlich etwa 742 Millionen Transaktionen.

• Gesamtzahl der weltweiten Geldautomaten: 35.683
• Primärmarkt-Geldautomaten: 22.416
• Jährliches Transaktionsvolumen: 742 Millionen

Digitale Kundenservice-Plattformen

Die digitalen Kundenserviceplattformen von BBVA bearbeiten 73 % der Kundenanfragen über Chatbots, E-Mail und Social-Media-Supportkanäle. Das digitale Supportsystem verwaltet monatlich 4,6 Millionen Kundeninteraktionen.

Digitale Support-Metrik	Daten für 2023
Auflösungsrate digitaler Anfragen	73%
Monatliche Kundeninteraktionen	4,6 Millionen

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) – Geschäftsmodell: Kundensegmente

Privatkunden

Im Jahr 2023 betreut BBVA weltweit rund 80,5 Millionen Privatkunden.

Kundensegment	Anzahl der Kunden	Geografische Verteilung
Privatkunden	80,5 Millionen	Spanien, Mexiko, Türkei, Südamerika
Benutzer des digitalen Bankings	54,3 Millionen	Online- und Mobile-Banking-Plattformen

Kleine und mittlere Unternehmen

BBVA unterstützt 1,2 Millionen kleine und mittlere Unternehmen in seinen operativen Märkten.

• KMU-Banking-Portfolio: Gesamtkredite in Höhe von 95,4 Milliarden Euro
• Durchschnittliche Kredithöhe: 79.500 €
• Durchdringung des digitalen Bankings für KMU: 68 %

Firmenkunden

Das Segment Corporate Banking umfasst 35.000 große Firmen- und institutionelle Kunden.

Unternehmenssegment	Gesamte Unternehmenskredite	Durchschnittlicher Firmenkundenwert
Große Unternehmen	214,6 Milliarden Euro	6,13 Millionen Euro pro Kunde

Vermögende Privatpersonen

BBVA verwaltet das Vermögen von 250.000 vermögenden Privatpersonen weltweit.

• Gesamtvermögen der Vermögensverwaltung: 92,3 Milliarden Euro
• Durchschnittlicher Portfoliowert: 369.200 €
• Private-Banking-Kunden: Hauptsächlich in Spanien, Mexiko und Südamerika

Internationale Bankkunden

BBVA ist in 30 Ländern tätig und verfügt über eine bedeutende Präsenz in 9 Kernmärkten.

Region	Kundenstamm	Marktanteil
Spanien	23,6 Millionen	26.4%
Mexiko	28,4 Millionen	34.7%
Türkei	9,2 Millionen	12.3%
Südamerika	19,3 Millionen	18.6%

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) – Geschäftsmodell: Kostenstruktur

Investitionen in die Technologieinfrastruktur

Im Jahr 2023 investierte BBVA 1,36 Milliarden Euro in Technologie und digitale Transformation. Spezifische Aufschlüsselung der Technologieinfrastruktur:

Kategorie „Technologie“.	Investitionsbetrag (€)
Cloud-Computing-Infrastruktur	412 Millionen
Cybersicherheitssysteme	285 Millionen
Digitale Banking-Plattformen	336 Millionen
Künstliche Intelligenz und maschinelles Lernen	217 Millionen

Wartung der digitalen Plattform

Jährliche Wartungskosten für die digitale Plattform für BBVA im Jahr 2023:

• Wartung der Mobile-Banking-App: 78 Millionen Euro
• Betriebskosten der Webplattform: 62 Millionen Euro
• API-Integration und -Management: 45 Millionen Euro

Mitarbeiterschulung und -entwicklung

BBVAs Ausgaben für die Mitarbeiterschulung im Jahr 2023:

Schulungskategorie	Kosten (€)
Schulung digitaler Kompetenzen	52 Millionen
Führungskräfteentwicklung	34 Millionen
Compliance- und Regulierungsschulung	26 Millionen

Compliance- und Regulierungskosten

Kosten für die Einhaltung gesetzlicher Vorschriften für BBVA im Jahr 2023:

• Einhaltung gesetzlicher und behördlicher Vorschriften: 215 Millionen Euro
• Risikomanagementsysteme: 127 Millionen Euro
• Infrastruktur zur Bekämpfung der Geldwäsche: 93 Millionen Euro

Kosten für Marketing und Kundenakquise

Aufschlüsselung der Marketingausgaben für 2023:

Marketingkanal	Ausgaben (€)
Digitales Marketing	87 Millionen
Traditionelle Medienwerbung	53 Millionen
Kampagnen zur Kundengewinnung	42 Millionen
Social-Media-Marketing	28 Millionen

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Im Jahr 2022 meldete BBVA einen Nettozinsertrag von 15,4 Milliarden Euro. Das Kreditportfolio der Bank gliedert sich wie folgt:

Kreditkategorie	Gesamtvolumen (Milliarden €)
Unternehmenskredite	124.6
Einzelhandelshypotheken	98.3
Verbraucherkredite	45.2

Bankgebühren und Provisionen

BBVA erwirtschaftete im Jahr 2022 Nettogebühren und Provisionen in Höhe von 6,1 Milliarden Euro mit folgender Verteilung:

• Zahlungsdienste: 2,3 Milliarden Euro
• Kontoverwaltung: 1,7 Milliarden Euro
• Kreditkartendienstleistungen: 1,2 Milliarden Euro
• Sonstige Bankdienstleistungen: 0,9 Milliarden Euro

Investmentbanking-Dienstleistungen

Der Investmentbanking-Umsatz für 2022 erreichte 1,8 Milliarden Euro, aufgeteilt in:

Servicetyp	Umsatz (Mio. €)
Fusion & Akquisitionsberatung	680
Underwriting-Dienstleistungen	620
Strukturierte Finanzierung	500

Monetarisierung digitaler Bankprodukte

Die Einnahmen aus dem digitalen Banking beliefen sich im Jahr 2022 auf insgesamt 1,2 Milliarden Euro, mit folgender Aufteilung:

• Gebühren für die digitale Banking-Plattform: 450 Millionen Euro
• Mobile Banking-Dienste: 350 Millionen Euro
• Online-Investitionsplattformen: 250 Millionen Euro
• Digitale Zahlungslösungen: 150 Millionen Euro

Internationale Bankgeschäfte

Die internationalen Transaktionserlöse beliefen sich im Jahr 2022 auf 2,5 Milliarden Euro:

Region	Transaktionserlöse (Mio. €)
Lateinamerika	1,200
Europa	800
Vereinigte Staaten	500

Banco Bilbao Vizcaya Vizcaya Argentaria, S.A. (BBVA) - Canvas Business Model: Value Propositions

You're looking at the core promises Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is making to its customers as we move through late 2025. It's a model heavily weighted toward digital excellence and purpose-driven finance.

Digital-first, personalized banking experience via top-rated mobile app

The digital experience is now the default. BBVA launched a new version of its mobile app in Spain, built on a unique native code, making it scalable to all operating countries. This technological overhaul means the app runs up to six times faster than the previous version. The bank boasts 57 million mobile customers globally, with 78 percent of its total sales now conducted through digital channels. Personalization is deep; the app uses artificial intelligence to learn your habits, adjusting the layout and prioritizing tools based on your usage patterns. For eligible customers in Spain, the app automatically includes overdraft coverage of up to €300 to cover bills if funds are insufficient, aiming to help you avoid missed payments.

The value proposition here is about friction reduction and control:

• Direct access to cards and Bizum upon opening.
• Biometric login replacing traditional passwords.
• A new discreet mode to hide balances and transactions.
• Card data (PAN, expiry, CVV) available instantly.

Financial health tools and AI-driven recommendations for better decisions

BBVA has made improving financial well-being a strategic priority, moving beyond just being an infrastructure provider to offering advice. The AI-driven tools are showing measurable results for users. Customers in Spain who actively use these financial health features have seen their savings grow by 11% compared to non-users. In Mexico, that growth in savings for users reached up to 20%. The bank's Global Financial Education Plan aims to train one million people by 2025. Furthermore, an AI-powered financial coach reviews your income, expenses, savings, and debt to offer specific recommendations.

Global CIB expertise for large corporations and institutional clients

For your wholesale clients, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) Corporate & Investment Banking (CIB) is delivering record performance. Through September 2025, CIB posted revenues of €4,832 million, a 27% increase year-on-year. The division's attributable profit reached €2,341 million, marking a 32% increase over the same period in 2024. This growth is supported by a loan book that expanded by 15% compared to December 2024. The bank is reinforcing its global presence, with strong performance noted in Spain, the United Kingdom, Continental Europe, and the United States.

Here's a snapshot of the CIB segment's growth through 9M 2025:

Metric	Value (Jan-Sep 2025)	Year-on-Year Growth
CIB Revenues	€4,832 million	27%
CIB Attributable Profit	€2,341 million	32%
Corporate Segment Revenue Growth	N/A	16%
Institutional Segment Growth	N/A	23%

Commitment to sustainability, channeling €97 billion in 9M 2025

Sustainability is a core growth driver, not an afterthought. Between January and September 2025, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) channeled approximately €97 billion into sustainable business activities. This represents a 48 percent increase compared to the first three quarters of the prior year. The bank has set a new, more ambitious target to channel €700 billion in sustainable finance between 2025 and 2029.

The allocation of the €97 billion channeled in 9M 2025 breaks down by focus area:

• Climate change and natural capital projects: 76 percent.
• Social endeavors: 24 percent.

Within the CIB segment specifically, the bank channeled €49.7 billion in sustainable finance through 9M 2025, a 36% year-on-year increase. Financing for renewable energy projects alone reached €2.1 billion through September 2025.

Diversified geographic exposure for growth and risk mitigation

The Group's business model relies on its strong geographic diversification, which proved advantageous amid varying economic conditions across its markets. Mexico remains a powerhouse, but Spain shows solid momentum, too. For instance, in Q1 2025, loan growth in Mexico hit an impressive 17.2% year-over-year, while Spain saw 6.6% growth. The profit contribution reflects this balance, though Mexico leads.

Here's the net attributable profit breakdown for the Group in Q1 2025, excluding the Corporate Center:

Geographic Area	Net Attributable Profit Share (1Q25)
Mexico	45.8%
Spain	35.2%
Turkey	5.4%
South America	7.5%
Rest of Business	6.0%

If you're looking at the CIB segment's profit contribution for 9M 2025, it was €2,341 million. Finance: draft the 13-week cash view by Friday.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) - Canvas Business Model: Customer Relationships

You're looking at how Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) connects with and serves its diverse client base as of late 2025. The relationship strategy is clearly centered on digital intensity, supported by advanced AI, while maintaining specialized human touchpoints where complexity demands it.

Automated, digital self-service via the BBVA App and NetBanking

The digital channels are the primary interface for the majority of the global customer base. Over 75 percent of customers around the world use the BBVA app. This intensity is driving transaction volume significantly; for instance, in Mexico, the average digital client performs one transaction daily within the app as of the first nine months of 2025. The push for end-to-end digital processes is evident in sales figures, with 58 percent of total sales in BBVA México being completed digitally (E2E) between January and September 2025. This self-service capability extends to product origination, where 43 percent of credit cards in that region were placed without the customer ever stepping into a branch. This digital-first approach is a core driver of efficiency.

Digital Metric	Value/Amount	Context/Period
Global App Usage Rate	Over 75 percent	Customers worldwide
E2E Digital Sales Share	58 percent	BBVA México, Jan-Sep 2025
Digital Customer Base	27 million	BBVA México, as of Sep 2025
Daily Average App Transactions	One	Per digital client, BBVA México

Personalized, AI-enhanced advisory services for retail and wealth clients

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is embedding artificial intelligence to move beyond simple transactions toward genuine financial guidance. The bank's Chair stressed AI's central role in customer service and strategic AI projects for customization and efficiency in October 2025. This is not just back-office automation; it directly impacts the customer experience. Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) has demonstrated the ability to enable Apple Intelligence-powered card personalization directly from its app as of October 2025. Furthermore, the digital banks in Europe are exploring what could be the first banking app natively integrated within ChatGPT, aiming to make financial management more natural and intelligent for users in Italy and Germany. To power this, the Group has expanded its partnership to 11,000 ChatGPT Enterprise licenses for employees, who report saving an average of nearly three hours of work per week through AI automation. The AI Factory develops analytical components that power features like financial health tools on the app and personalized recommendations.

• AI-driven financial health features on the BBVA app.
• Exploration of conversational app concepts integrated with ChatGPT.
• Enabling of Apple Intelligence-powered card personalization.
• AI Factory develops personalized product recommendations.
• More than 80 percent of licensed ChatGPT users use it daily.

Dedicated relationship managers for Corporate & Investment Banking clients

For the corporate segment, the relationship model shifts to specialized human expertise, heavily augmented by technology. The relationship model for companies is built around expert advice, which is reinforced by artificial intelligence and advanced analytics. This structure is designed to offer solutions tailored to every sector and context, supporting everything from everyday transactions to strategic decisions like international expansion. As of the end of 2024, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) provided financing to 70,000 larger corporations. The Corporate & Investment Banking (CIB) unit is a key part of the business structure, working alongside Commercial Client Solutions to serve enterprises across the 25 countries where the bank operates. The goal is to combine the approachability of an agent with the bank's technological capabilities.

Multi-channel service model combining digital and physical touchpoints

The overall service model is a blend, recognizing that while digital is dominant, physical presence and specialized human interaction remain relevant. The Group reported that over 11 million new customers joined in 2024, with two-thirds driven through digital channels. The digital-only bank in Italy, for example, has grown to over 800,000 customers and aims for 1 million by 2026, showing the viability of a digital-first approach in new markets. Still, the Group maintains a global footprint across 25 countries, suggesting a network of physical touchpoints supports the digital core. The BBVA Italy app holds top ratings on both Google Play and the App Store, signaling an excellent experience across channels. The annual ICT spending for the Group was estimated at $2.3 billion in 2024, a significant investment underpinning this multi-channel capability.

Digital acquisition of new customers, a record growth driver

Digital acquisition is explicitly a record growth driver for Banco Bilbao Vizcaya Argentaria, S.A. (BBVA). In BBVA México alone, the bank added 2.9 million new digital clients between January and September 2025, representing an 81 percent annual growth rate. Across the Group, the success of digital franchises like BBVA Italy, which grew its customer base by 35 percent since November 2024, demonstrates this acquisition power. The Group attracted 11 million new customers in 2024, with the majority coming from digital routes. The daily average placement of new credit cards via the BBVA app in Mexico reached 3,200 units in September 2025, a 1.7 times increase compared to September 2022.

If you're assessing the digital conversion funnel, focus on the 58 percent E2E digital sales figure for Q3 2025 as the key indicator of frictionless onboarding success. Finance: draft 13-week cash view by Friday.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) - Canvas Business Model: Channels

You're looking at how Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) gets its value proposition into the hands of its customers. Honestly, the story here is overwhelmingly digital, but they still maintain a significant physical presence for those pivotal moments that require a face-to-face touch.

The digital push is clear: a staggering 78% of total sales are now conducted through digital channels. That's a massive shift, and it's backed by strong customer acquisition; for example, in the first quarter of 2025, 66% of new customers were acquired digitally. So, while the digital platforms are the workhorse, the physical network remains a strategic asset.

Here's a quick look at the scale of their physical and digital reach as of late 2025, combining the stated targets with recent operational data:

Channel Type	Metric	Reported/Targeted Amount
Digital Sales	Percentage of Total Sales	78%
Physical Network	Number of Physical Branches	5,657
Physical Network	Number of ATMs	30,600
Digital Acquisition (Q1 2025)	New Customers via Digital Channels	66%

For the corporate and developer ecosystem, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) uses Open Banking APIs to embed finance directly where clients work. They offer over 40 API-based financial solutions designed for integration, helping companies optimize cash flow in real time. The expected growth in API call volume, a key indicator of usage, is projected to hit a compound annual growth rate of 35% by 2030, showing this channel is set for serious expansion.

The bank is actively fostering the startup community through the BBVA Spark platform. This initiative is designed to engage and fund high-growth companies with the agility traditional banking often lacks. As of late 2025, BBVA Spark has:

• Partnered with over 1,500 companies.
• Secured more than €600 million in funding for partners.
• Expanded its physical presence to London, Madrid, Barcelona, Bogotá, Mexico City, and Buenos Aires.

You can see this in action with recent deals, like the €50 million agreement signed with Sesame in October 2025, or the USD 16 million financing provided to Clara in Colombia in August 2025. It's about co-designing solutions, not just selling products.

Finally, for simpler interactions, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) uses channels like WhatsApp Banking. This allows for straightforward services, such as account opening, to be handled right where the customer already is, fitting into that broader digital-first strategy.

Strategy: Review the Q4 2025 operational report to see if the branch count has dropped below 5,600, and have the Digital Product team draft a 2026 target for API revenue contribution by next Tuesday.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) - Canvas Business Model: Customer Segments

You're looking at the core groups Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) serves as of late 2025. The bank structures its focus across several distinct segments, leveraging its global footprint.

The Mass Retail segment is substantial. As of September 2025, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) reported 80.1 million active clients globally. This base is heavily digitized, with a record growth in customer acquisition driven by digital channels.

For the business side, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) aims to be the go-to bank for companies of all sizes, which is a key priority in its 2025-2029 strategic cycle. This includes Small and Medium-sized Enterprises (SMEs) and Large Corporations, which fall under the Corporate & Investment Banking (CIB) umbrella.

The focus on SMEs is strong, evidenced by recent recognition. In 2025, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) won 'Best SME Bank in Spain' and 'Best SME Bank in Western Europe' awards from Global Finance. For context on growth, in 2024, revenues from the SME segment grew 40% year-over-year to reach €3 billion.

The Corporate & Investment Banking (CIB) segment also shows dynamism. During the first nine months of 2025, loans to business (part of the wholesale segment which includes CIB) grew by 5.9% at the Group level. Furthermore, looking at sustainable business channeling through the end of June 2025, the CIB segment accounted for €7.5 billion of the total channeled amount.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA)'s geographical focus clearly centers on several key markets, though its overall reach is wide. The bank maintains a presence in over 25 countries.

Here is a look at the financial performance within two of its core geographic markets for the first half of 2025:

Geographic Market	Net Attributable Profit (1H 2025, Millions of Euros)
Spain	2,144
BBVA Mexico	2,578

Tech-focused startups and scale-ups are served through the dedicated unit, BBVA Spark. As of October 2025, this initiative supported over 1,700 clients and had channeled more than €750 million since its launch.

You can see the breakdown of sustainable business channeling by customer segment for the first half of 2025:

• Retail: nearly €7.5 billion
• Enterprises: €23.7 billion
• CIB: €7.5 billion

Overall, the Group had 126,997 employees as of September 2025 to support these customer segments.

Finance: draft 13-week cash view by Friday.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) - Canvas Business Model: Cost Structure

The Cost Structure for Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is heavily weighted toward technology modernization, human capital, and managing risk exposure across its global footprint. This structure reflects a commitment to digital leadership while maintaining a physical presence.

• Significant technology and IT investment, over €3 billion globally. (Note: Annual ICT spending was estimated at $2.3 billion in 2024).
• Personnel expenses for 126,997 employees as of Q3 2025.
• Operating expenses managed for an improved efficiency ratio of 38.2% (Q1 2025).
• Provisions for impairment on financial assets (Cost of Risk at 1.32% in 1H25).
• Branch network maintenance and optimization costs.

The scale of operational costs is evident when looking at the nine-month figures for 2025, where operating expenses reached €10.36 billion through September. This expense base is being managed to drive down the cost-to-income ratio, which stood at 38.2% as of September 30, 2025.

Here's a quick look at some of the key financial metrics that define this cost base as of late 2025:

Cost Component Metric	Period/Date	Value
Efficiency Ratio	Q1 2025 (March 31)	38.2%
Cost of Risk (CoR)	1H25	1.32%
Total Employees	Q3 2025 (September 30)	126,997
Operating Expenses (9M 2025)	January - September 2025	€10.36 billion
ICT Spending Estimate	2024	$2.3 billion

The management of personnel costs is intrinsically linked to the technology investment, as the bank continues to hire specialized tech talent to meet its digitization goals. The total workforce figure of 126,997 employees as of the end of the third quarter of 2025 reflects this human capital investment.

The bank also actively manages its physical footprint costs, which include:

• Lease and utility expenses for the global branch network.
• Costs associated with branch closures and network optimization projects.
• Security and physical infrastructure upkeep.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) - Canvas Business Model: Revenue Streams

The revenue streams for Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) as of late 2025 are heavily anchored in traditional banking activities, supplemented by market-related income and fee-based services across its global footprint.

The primary engine remains Net Interest Income (NII). Through September 2025, the NII reached €19.25 billion, reflecting a strong performance driven by lending growth in key markets like Spain, Mexico, and Türkiye. This figure is part of the core banking revenues which, combined with fees, showed a strong year-on-year growth of 13.5 percent in constant euros through the first nine months of 2025.

Fees and commissions are another critical component. Net Fees and Commissions totaled €6.07 billion through September 2025. This growth was supported by the performance of payment methods and asset management fees.

The scale of the lending activities directly underpins the NII. As of September 30, 2025, the gross loans and advances to customers for the BBVA Group stood at €447.901B. This represents a significant increase, with lending activity growing by 16.0 percent year-on-year at constant exchange rates.

Here's a quick look at the main recurring revenue components for the nine months ending September 2025:

Revenue Component	Amount (9M 2025)
Net Interest Income (NII)	€19.25 billion
Net Fees and Commissions	€6.07 billion
Loans and Advances to Customers (Gross)	€447.901B

Market activities contribute through Net Trading Income (NTI). While specific cumulative NTI for 9M 2025 isn't mandated, the third quarter saw a favorable performance in NTI, though the annual comparison was impacted by strong gains from P&L hedges linked to the Mexican Peso depreciation in 3Q24. NTI, alongside dividend income and other items, contributes to the Gross Income figure, which for 9M 2025 was €27.136 billion.

Fee-based revenue is diversified across several specialized areas. You see income generated from:

• Asset management activities, which contributed to the growth in net fees and commissions.
• Insurance contract revenues and expenses.
• Investment banking fees derived from the Corporate & Investment Banking (CIB) segment. The CIB segment channeled approximately €49.7 billion between January and September 2025, showing a 36.6 percent increase.

The focus on sustainable finance also generates revenue streams, with the Group channeling €97 billion in transactions related to environmental or social impact through September 2025. This is a key strategic area supporting future business origination.