BBVA Strengthens its Business with Companies through a Comprehensive Offering in Financing, Advisory, and Innovation

A transformation focused on the client

Sáenz de Tejada emphasized the importance of understanding how clients operate, the specific challenges of their industries, and anticipating their needs. To support this, BBVA is strengthening its sector-based approach, deepening its understanding of different industries and delivering more specialized advisory services. In his words, "we have adapted our value proposition and are now much better at leveraging sector expertise."

This approach forms part of a broader transformation designed to strengthen BBVA's value proposition for companies. The combination of sector specialization, advanced technological capabilities, and a network of professionals with deep client insight allows the bank to deliver increasingly tailored solutions and support companies in their growth, transformation, and international expansion.

Sáenz de Tejada explained how the bank is developing artificial intelligence capabilities integrated into its channels and workflows "to make better decisions, faster decisions, and improve the customer experience." These tools support clients in their day-to-day operations while equipping relationship managers with advanced analytical capabilities-without compromising the close, specialized relationship model.

Artificial intelligence is also helping simplify processes and reduce friction, creating a faster and more efficient experience. These capabilities automate and prioritize internal workflows while preserving the expert support provided by BBVA's teams. In lending, data-driven automation accelerates approval processes and enhances consistency in decision-making, while strengthening the quality of analysis and capital discipline. This means companies can access financing more quickly and benefit from a more predictable experience aligned with their needs.

Finally, BBVA is working to integrate the bank's services-payments, collections, and financing solutions-directly into clients' systems and operational processes through embedded finance.

A local model with global capabilities

Growth in the business segment is also supported by the strength of BBVA's universal banking model, which brings together retail banking, commercial banking, and corporate and investment banking (CIB). This model-one priority, three segments, one bank-connects different capabilities across the organization with deep client insight, enabling the bank to deliver comprehensive solutions-from essential transactional services such as payments, collections, and FX management to more sophisticated capabilities, including access to capital markets and structured finance. It also gives BBVA a distinctive ability to operate as a local partner with global reach, delivering a consistent experience regardless of where clients are based or conduct their business.

Javier Rodríguez Soler, Global Head of Sustainability and Corporate and Investment Banking at BBVA, explained that being a universal bank in countries such as Spain, Mexico, Türkiye, Colombia, Argentina, Peru, and Venezuela means serving not only households and small businesses, but also the large corporations that operate in those markets. "It is a natural extension," he said.

This global presence allows BBVA to support clients across all their financial needs while providing international connectivity. This allows the bank to originate business in one country and execute it in another. "Cross-border business is our main competitive advantage over other banks that do not have this universal banking presence worldwide. We have been growing our cross-border business by 24 percent annually, from approximately 31 percent of gross income in 2021 to over 40 percent last year," he said. In other words, nearly half of CIB's activity at BBVA involves clients doing business with the bank beyond their main market.

Profitable and sustainable growth

CIB's strategy is framed within a disciplined growth model focused on profitability and capital efficiency. "In all our key geographies, our business generates returns that exceed the cost of capital," said Rodríguez Soler. In his view, international expansion and technological investment are not ends in themselves, but levers for sustainable value creation. In fact, cross-border connectivity drives higher profitability.