BBVA is a global financial group with a customer-focused vision and a pioneering strategy centered on digitization, innovation, and sustainability. BBVA holds a leading position in Spain, is the number-one financial institution in Mexico, and has leading franchises in South America and Turkey. In Europe, BBVA has a steadily growing presence, driven by its specialized offices serving corporate customers and its commitment to digital banks, currently operating in Italy and Germany. In addition, BBVA provides specialized services to large corporations through its offices in the United States and Asia. This strong geographic diversification, together with high levels of customer acquisition through digital channels, positions us to strengthen our leadership and address the challenges of the future.

BBVA contributes through its activities to the progress and well-being of all its stakeholders: shareholders, customers, employees, suppliers, and society as a whole. In this regard, BBVA supports families, entrepreneurs, and businesses in their plans for the future and helps them take advantage of the opportunities offered by innovation and sustainability. BBVA also offers its customers a differentiated value proposition, leveraging technology and data to help them improve their financial health through personalized information to support their financial decision-making.

Strategy

The current macroeconomic environment is shaped by geopolitical tensions, interest rates returning to normal levels, and a growing aging population, creating both challenges and opportunities for the financial sector.

In addition, the other long-term global trends underpinning BBVA's strategy, which play a critical role in transforming the economy, have continued to consolidate and evolve.

Digitization has continued to take hold across much of the economy. We are entering a new era of disruption led by artificial intelligence (AI), which is redefining competitive dynamics across many industries, including the financial system.

. Its impact across the entire value chain is creating major opportunities:

- Hyper-personalization of value propositions.- Process automation, with a significant expected impact on middle- and back-office activities, improving control data, productivity, and the customer experience.

Other technologies, such as blockchain, quantum computing, and cloud computing, continue to advance, ushering in a true era of opportunities for society as a whole and for the financial sector.

The financial system is also facing an increasingly complex competitive environment, with new digital competitors (such as neobanks) and non-bank players.

Sustainability will continue to drive economic growth:

- Investment in a decarbonized economy is becoming increasingly established, driven by growing energy demand and the profitability of renewable energy. Profitability is also increasing in new technologies thanks to innovation. As of today, it is estimated that nearly half of emissions reductions will come from technologies that are still in very early stages of development and have not yet been proven at scale.

- Banks will play a highly significant role in channeling investment and advising their customers throughout this transition toward a decarbonized and more efficient economy in a context of growing energy demand.

- Finally, investment in improving companies’ production processes and value chains that help preserve natural capital is also increasing. The depletion of natural capital must be reversed because of its significant economic and financial impacts.

Professional equality index at BBVA France in 2025: 87/100 

• Indicator 1 (out of 40 points) => Gender pay gap: 39  
• Indicator 2 (out of 35 points) => Individual growth rate differential: 35  
• Indicator 3 (out of 15 points) => Percentage of employees who received a salary increase in the year following their return from maternity leave: not measurable
• Indicator 4 (out of 10 points) => Presence of underrepresented gender employees among the 10 highest paid: 0 

Goals: to continue implementing actions in the field of mobility and internal promotion of women, encouraging female candidates on an equal competence basis in order to improve the results of indicators 1 and 4 over the next three years.