{"id":14008,"date":"2026-04-29T15:51:33","date_gmt":"2026-04-29T15:51:33","guid":{"rendered":"https:\/\/www.europesays.com\/spain\/14008\/"},"modified":"2026-04-29T15:51:33","modified_gmt":"2026-04-29T15:51:33","slug":"carlos-torres-vila-bbva-will-have-e49-billion-in-top-quality-capital-in-the-new-strategic-cycle","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/spain\/14008\/","title":{"rendered":"Carlos Torres Vila: \u201cBBVA Will Have \u20ac49 Billion in Top-Quality Capital in the New Strategic Cycle\u201d"},"content":{"rendered":"

Carlos Torres Vila emphasized that 2025 was a year marked by excellent performance in all markets where it operates<\/a>, despite a complex global environment, with geopolitical tensions and rising trade fragmentation. First, he pointed to growth in activity in the first nine months of the year \u2013 close to 8 percent in Spain, the highest growth in nearly two decades \u2013 and around 10 percent in Mexico. He then stressed the addition of nearly 11 million new customers, which strengthens the bank\u2019s future growth, as well as the sustained increase in lending. He also drew attention to several financial metrics: profitability, which was once again around 20 percent; efficiency and value creation for shareholders, which reached notably strong levels.<\/p>\n

This performance \u201cis reflected in our share price, which has more than doubled throughout the year, bringing total shareholder return to 124 percent,\u201d including dividends. In this regard, the Chair noted that the bank\u2019s \u201cmarket capitalization reached a historic record of \u20ac115 billion.\u201d<\/p>\n

\u201cIn addition to our strong performance, 2025 was the year that we began implementing the new strategic plan. A plan that anticipates the trends that will define the future, is highly customer-oriented and will enable BBVA to maintain our leadership in growth and profitability in the future,\u201d he summarized.<\/p>\n

Carlos Torres Vila is expecting a cycle of growth for BBVA in all markets, despite the uncertainty in the macroeconomic and geopolitical environment. Looking to 2026 specifically, BBVA expects growth to outpace competitors, especially in the more profitable segments, consumer and corporate banking. In Europe, the bank\u2019s digital presence in Italy<\/a> and Germany<\/a> will continue to grow at a strong pace. In Mexico, lending will continue to grow more than Gross Domestic Product (GDP), backed by the country\u2019s structural strengths and the low level of access to banking services. He also foresees advances in T\u00fcrkiye, where the gradual macroeconomic normalization will lead to a greater contribution to the Group\u2019s earnings, and in South America, a region with positive growth prospects for the banking sector.<\/p>\n

In this context, BBVA points to two main drivers of growth: sustainable finance and the enterprise segment. \u201cThe investment cycle in sustainability is unstoppable,\u201d the Chair emphasized, with a target of \u20ac700 billion in sustainable finance from 2025 to 2029<\/a>. BBVA is also predicting sharp growth in its enterprise banking activity thanks to its comprehensive offering and specialized advisory services, with a focus on investment banking in particular, \u201cwhere we are seeing significant growth.\u201d<\/p>\n

Capital and value creation is another strategic priority in BBVA\u2019s new strategic cycle. The bank expects to generate \u20ac49 billion in top-quality (CET1) capital between 2025 and 2028, including the excess capital at the start of the period. Of this amount, the bank plans to use \u20ac13 billion to finance organic growth in its main markets and \u20ac36 billion for shareholder remuneration. \u201cWe are firmly committed to returning all excess capital above 12 percent to our shareholders in a disciplined manner,\u201d said Carlos Torres Vila. BBVA\u2019s capital target range stands at 11.5-12 percent.<\/p>\n

In 2025, BBVA significantly accelerated shareholder remuneration, including a \u20ac1.8 billion interim dividend <\/a>(\u20ac0.32 per share \u2013 the highest ever), a share buyback of nearly \u20ac1 billion as part of ordinary shareholder remuneration,<\/a> and the launch of a new extraordinary share buyback program totaling around \u20ac4 billion,<\/a> with the first \u20ac1.5 billion tranche currently underway.<\/p>\n

Artificial intelligence to build the bank of the future and a strategy radically focused on customers<\/p>\n

BBVA is moving forward with determination to lead banking in the age of artificial intelligence, just as it led the digital transformation in the past. \u201cArtificial intelligence is a reality that is changing how we make decisions, how we work, how we live,\u201d said Carlos Torres Vila. For this reason, BBVA has developed a roadmap with eight initiatives<\/a> that connect the entire organization. They include Blue, a 24\/7 personalized assistant for each of our customers; AI banker, which supports all our bankers in their daily work; AI solutions for risk management, operational processes and software development; and Alter Ego, an assistant to support every employee in their daily work. At the end of 2025, BBVA signed a strategic partnership with OpenAI<\/a>, which is accelerating the execution of these solutions, with the aim of improving our offering through a more personalized, proactive and efficient experience. \u201cThe goal is to free up time for what really matters: being there for our customers and offering them better service,\u201d the bank Chair stressed.<\/p>\n

In an increasingly competitive environment marked by the emergence of new actors, BBVA aims to distinguish itself through empathy and personalization. \u201cThe key is to adopt a radical client perspective,\u201d he said. This aim is reflected in the bank\u2019s purpose: to \u2018support your drive to go further,\u2019 with the goal of offering everyone \u201cexcellence in every interaction\u201d and a highly personalized offering, capable of anticipating their needs. \u201cWe want to go from thinking about customers to thinking like each customer,\u201d he added. This vision, rooted in strategic use of technology, establishes BBVA as a bank that innovates \u201cto improve people\u2019s lives.\u201d<\/p>\n

In his final thoughts, Carlos Torres Vila summarized 2025 as \u201ca great start to our strategic plan focused on customers.\u201d In 2026, BBVA plans to continue moving forward with a committed team, a clear purpose and a business model combining innovation, sustainability and a people-centered vision. \u201cWe will continue making great strides, innovating and improving people\u2019s lives,\u201d he concluded.<\/p>\n","protected":false},"excerpt":{"rendered":"Carlos Torres Vila emphasized that 2025 was a year marked by excellent performance in all markets where it…\n","protected":false},"author":2,"featured_media":14009,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[123],"tags":[148],"class_list":{"0":"post-14008","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bbva","8":"tag-bbva"},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/spain\/wp-json\/wp\/v2\/posts\/14008","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/spain\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/spain\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/spain\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/spain\/wp-json\/wp\/v2\/comments?post=14008"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/spain\/wp-json\/wp\/v2\/posts\/14008\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/spain\/wp-json\/wp\/v2\/media\/14009"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/spain\/wp-json\/wp\/v2\/media?parent=14008"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/spain\/wp-json\/wp\/v2\/categories?post=14008"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/spain\/wp-json\/wp\/v2\/tags?post=14008"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}