Banco Bilbao Vizcaya Argentaria, S.A. Logo

Banco Bilbao Vizcaya Argentaria, S.A.

BBVA.DE

(2.8)
Stock Price

4,38 EUR

1% ROA

15.58% ROE

3.55x PER

Market Cap.

29.150.082.109,00 EUR

141.56% DER

0% Yield

23.68% NPM

Banco Bilbao Vizcaya Argentaria, S.A. Stock Analysis

Banco Bilbao Vizcaya Argentaria, S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banco Bilbao Vizcaya Argentaria, S.A. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (15.58%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

With a remarkably low PBV ratio (0.61x), the stock offers substantial upside potential at a bargain price.

3 Net Profit Growth

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

4 ROA

The stock's ROA (1%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

6 Assets Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

8 Buffet Intrinsic Value

The company's stock seems undervalued (18) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 DER

The company has a high debt to equity ratio (142%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

Banco Bilbao Vizcaya Argentaria, S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banco Bilbao Vizcaya Argentaria, S.A. Technical Stock Analysis
# Analysis Recommendation

Banco Bilbao Vizcaya Argentaria, S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banco Bilbao Vizcaya Argentaria, S.A. Revenue
Year Revenue Growth
1989 0
1990 0 0%
1991 3.058.444.207 100%
1992 3.304.903.680 7.46%
1993 3.196.781.070 -3.38%
1994 2.844.569.118 -12.38%
1995 3.449.385.948 17.53%
1996 4.177.561.918 17.43%
1997 6.020.993.979 30.62%
1998 7.126.191.216 15.51%
1999 10.289.701.660 30.74%
2000 13.165.510.100 21.84%
2001 15.580.641.824 15.5%
2002 13.831.068.276 -12.65%
2003 12.707.833.983 -8.84%
2004 11.799.143.651 -7.7%
2005 18.623.313.789 36.64%
2006 17.775.477.000 -4.77%
2007 20.640.000.000 13.88%
2008 20.486.000.000 -0.75%
2009 23.423.000.000 12.54%
2010 22.227.000.000 -5.38%
2011 24.843.000.000 10.53%
2012 21.714.000.000 -14.41%
2013 21.324.000.000 -1.83%
2014 22.147.000.000 3.72%
2015 23.672.000.000 6.44%
2016 24.628.000.000 3.88%
2017 25.266.000.000 2.53%
2018 23.850.000.000 -5.94%
2019 24.618.000.000 3.12%
2020 23.109.000.000 -6.53%
2021 22.819.000.000 -1.27%
2022 28.211.000.000 19.11%
2023 36.984.000.000 23.72%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banco Bilbao Vizcaya Argentaria, S.A. Research and Development Expenses
Year Research and Development Expenses Growth
1989 0
1990 0 0%
1991 0 0%
1992 0 0%
1993 0 0%
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banco Bilbao Vizcaya Argentaria, S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
1989 0
1990 0 0%
1991 899.296.307 100%
1992 1.258.207.020 28.53%
1993 1.210.510.847 -3.94%
1994 1.063.522.932 -13.82%
1995 1.263.844.155 15.85%
1996 1.361.640.609 7.18%
1997 1.894.179.924 28.11%
1998 2.234.736.594 15.24%
1999 3.211.929.280 30.42%
2000 3.778.762.260 15%
2001 4.250.761.365 11.1%
2002 3.503.968.722 -21.31%
2003 3.256.891.908 -7.59%
2004 3.249.698.753 -0.22%
2005 3.599.507.140 9.72%
2006 7.052.634.000 48.96%
2007 7.747.000.000 8.96%
2008 6.571.000.000 -17.9%
2009 6.491.000.000 -1.23%
2010 6.790.000.000 4.4%
2011 11.162.000.000 39.17%
2012 8.956.000.000 -24.63%
2013 9.242.000.000 3.09%
2014 9.770.000.000 5.4%
2015 11.027.000.000 11.4%
2016 10.534.000.000 -4.68%
2017 9.269.000.000 -13.65%
2018 8.759.000.000 -5.82%
2019 10.303.000.000 14.99%
2020 9.262.000.000 -11.24%
2021 8.252.000.000 -12.24%
2022 9.247.000.000 10.76%
2023 10.980.000.000 15.78%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banco Bilbao Vizcaya Argentaria, S.A. EBITDA
Year EBITDA Growth
1989 742.721.552
1990 774.118.800 4.06%
1991 871.279.682 11.15%
1992 972.371.250 10.4%
1993 791.891.156 -22.79%
1994 795.481.230 0.45%
1995 1.005.459.972 20.88%
1996 1.241.602.191 19.02%
1997 1.763.180.055 29.58%
1998 2.243.689.524 21.42%
1999 2.482.487.420 9.62%
2000 3.197.414.220 22.36%
2001 2.428.018.738 -31.69%
2002 1.896.409.347 -28.03%
2003 2.752.474.822 31.1%
2004 5.268.036.232 47.75%
2005 5.771.913.393 8.73%
2006 7.267.378.000 20.58%
2007 8.783.000.000 17.26%
2008 7.260.000.000 -20.98%
2009 6.048.000.000 -20.04%
2010 6.794.000.000 10.98%
2011 4.136.000.000 -64.26%
2012 2.418.000.000 -71.05%
2013 3.954.000.000 38.85%
2014 4.779.000.000 17.26%
2015 5.373.000.000 11.06%
2016 6.600.000.000 18.59%
2017 7.075.000.000 6.71%
2018 21.066.000.000 66.42%
2019 7.164.000.000 -194.05%
2020 4.184.000.000 -71.22%
2021 7.796.000.000 46.33%
2022 11.277.000.000 30.87%
2023 14.748.000.000 23.54%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banco Bilbao Vizcaya Argentaria, S.A. Gross Profit
Year Gross Profit Growth
1989 0
1990 0 0%
1991 3.058.444.207 100%
1992 3.304.903.680 7.46%
1993 3.196.781.070 -3.38%
1994 2.844.569.118 -12.38%
1995 3.449.385.948 17.53%
1996 4.177.561.918 17.43%
1997 6.020.993.979 30.62%
1998 7.126.191.216 15.51%
1999 10.289.701.660 30.74%
2000 13.165.510.100 21.84%
2001 15.580.641.824 15.5%
2002 13.831.068.276 -12.65%
2003 12.707.833.983 -8.84%
2004 11.799.143.651 -7.7%
2005 18.623.313.789 36.64%
2006 17.775.477.000 -4.77%
2007 20.640.000.000 13.88%
2008 20.486.000.000 -0.75%
2009 23.423.000.000 12.54%
2010 22.227.000.000 -5.38%
2011 24.843.000.000 10.53%
2012 21.714.000.000 -14.41%
2013 21.324.000.000 -1.83%
2014 22.147.000.000 3.72%
2015 23.672.000.000 6.44%
2016 24.628.000.000 3.88%
2017 25.266.000.000 2.53%
2018 26.630.000.000 5.12%
2019 24.618.000.000 -8.17%
2020 23.109.000.000 -6.53%
2021 22.819.000.000 -1.27%
2022 28.211.000.000 19.11%
2023 36.984.000.000 23.72%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banco Bilbao Vizcaya Argentaria, S.A. Net Profit
Year Net Profit Growth
1989 742.721.552
1990 774.118.800 4.06%
1991 594.998.404 -30.1%
1992 525.411.495 -13.24%
1993 445.954.096 -17.82%
1994 448.095.270 0.48%
1995 538.215.891 16.74%
1996 638.437.262 15.7%
1997 1.073.726.199 40.54%
1998 983.031.714 -9.23%
1999 1.748.076.610 43.76%
2000 2.234.889.260 21.78%
2001 2.367.451.228 5.6%
2002 1.720.683.585 -37.59%
2003 2.222.813.934 22.59%
2004 3.093.056.831 28.14%
2005 3.803.535.496 18.68%
2006 4.735.879.000 19.69%
2007 6.126.000.000 22.69%
2008 5.020.000.000 -22.03%
2009 4.210.000.000 -19.24%
2010 4.606.000.000 8.6%
2011 3.004.000.000 -53.33%
2012 1.676.000.000 -79.24%
2013 2.228.000.000 24.78%
2014 2.618.000.000 14.9%
2015 2.642.000.000 0.91%
2016 3.475.000.000 23.97%
2017 3.519.000.000 1.25%
2018 5.324.000.000 33.9%
2019 3.512.000.000 -51.59%
2020 3.840.000.000 8.54%
2021 4.653.000.000 17.47%
2022 6.420.000.000 27.52%
2023 8.332.000.000 22.95%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banco Bilbao Vizcaya Argentaria, S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1989 0
1990 0 0%
1991 0 0%
1992 0 0%
1993 0 0%
1994 0 0%
1995 0 0%
1996 0 0%
1997 1 0%
1998 0 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 100%
2006 1 0%
2007 2 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 1 0%
2019 0 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banco Bilbao Vizcaya Argentaria, S.A. Free Cashflow
Year Free Cashflow Growth
1991 4.875.266.305
1992 1.241.325.000 -292.75%
1993 998.109.077 -24.37%
1994 335.969.520 -197.08%
1995 1.229.606.106 72.68%
1996 1.102.441.187 -11.53%
1997 1.579.180.239 30.19%
1998 392.308.866 -302.53%
2004 632.290.609 37.95%
2005 3.775.603.189 83.25%
2006 1.972.303.364 -91.43%
2007 14.686.000.000 86.57%
2008 -3.593.000.000 508.74%
2009 1.256.000.000 386.07%
2010 6.999.000.000 82.05%
2011 17.886.000.000 60.87%
2012 8.109.000.000 -120.57%
2013 -2.278.000.000 455.97%
2014 -8.074.000.000 71.79%
2015 20.359.000.000 139.66%
2016 4.666.000.000 -336.33%
2017 714.000.000 -553.5%
2018 7.169.000.000 90.04%
2019 -9.594.000.000 174.72%
2020 38.226.000.000 125.1%
2021 -2.188.000.000 1847.07%
2022 21.276.000.000 110.28%
2023 10.951.000.000 -94.28%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banco Bilbao Vizcaya Argentaria, S.A. Operating Cashflow
Year Operating Cashflow Growth
1991 5.023.717.062
1992 1.443.329.955 -248.06%
1993 1.252.274.233 -15.26%
1994 508.683.948 -146.18%
1995 1.489.160.154 65.84%
1996 1.492.043.790 0.19%
1997 2.344.088.565 36.35%
1998 1.728.682.884 -35.6%
2004 1.057.036.426 -63.54%
2005 6.006.247.412 82.4%
2006 2.817.821.000 -113.15%
2007 17.142.000.000 83.56%
2008 -1.992.000.000 960.54%
2009 2.567.000.000 177.6%
2010 8.503.000.000 69.81%
2011 19.811.000.000 57.08%
2012 10.596.000.000 -86.97%
2013 -500.000.000 2219.2%
2014 -6.188.000.000 91.92%
2015 23.101.000.000 126.79%
2016 6.623.000.000 -248.8%
2017 2.055.000.000 -222.29%
2018 8.664.000.000 76.28%
2019 -8.214.000.000 205.48%
2020 39.349.000.000 120.87%
2021 -1.242.000.000 3268.2%
2022 23.718.000.000 105.24%
2023 11.088.000.000 -113.91%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banco Bilbao Vizcaya Argentaria, S.A. Capital Expenditure
Year Capital Expenditure Growth
1991 148.450.757
1992 202.004.955 26.51%
1993 254.165.156 20.52%
1994 172.714.428 -47.16%
1995 259.554.048 33.46%
1996 389.602.603 33.38%
1997 764.908.326 49.07%
1998 1.336.374.018 42.76%
2004 424.745.816 -214.63%
2005 2.230.644.224 80.96%
2006 845.517.636 -163.82%
2007 2.456.000.000 65.57%
2008 1.601.000.000 -53.4%
2009 1.311.000.000 -22.12%
2010 1.504.000.000 12.83%
2011 1.925.000.000 21.87%
2012 2.487.000.000 22.6%
2013 1.778.000.000 -39.88%
2014 1.886.000.000 5.73%
2015 2.742.000.000 31.22%
2016 1.957.000.000 -40.11%
2017 1.341.000.000 -45.94%
2018 1.495.000.000 10.3%
2019 1.380.000.000 -8.33%
2020 1.123.000.000 -22.89%
2021 946.000.000 -18.71%
2022 2.442.000.000 61.26%
2023 137.000.000 -1682.48%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banco Bilbao Vizcaya Argentaria, S.A. Equity
Year Equity Growth
1991 2.830.949.212
1992 4.724.648.460 40.08%
1993 4.729.569.033 0.1%
1994 4.752.908.610 0.49%
1995 5.074.406.424 6.34%
1996 6.230.990.197 18.56%
1997 7.746.628.617 19.57%
1998 8.728.595.154 11.25%
1999 17.776.915.520 50.9%
2000 23.903.413.000 25.63%
2001 24.580.103.889 2.75%
2002 21.185.111.082 -16.03%
2003 20.474.360.517 -3.47%
2004 24.029.336.594 14.79%
2005 13.996.523.696 -71.68%
2006 22.318.478.000 37.29%
2007 27.943.000.000 20.13%
2008 26.705.000.000 -4.64%
2009 30.763.000.000 13.19%
2010 37.475.000.000 17.91%
2011 30.763.000.000 -21.82%
2012 43.804.000.000 29.77%
2013 44.815.000.000 2.26%
2014 51.609.000.000 13.16%
2015 55.439.000.000 6.91%
2016 55.427.000.000 -0.02%
2017 53.323.000.000 -3.95%
2018 52.875.000.000 -0.85%
2019 54.924.000.000 3.73%
2020 50.019.000.000 -9.81%
2021 48.760.000.000 -2.58%
2022 50.617.000.000 3.67%
2023 53.453.000.000 5.31%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banco Bilbao Vizcaya Argentaria, S.A. Assets
Year Assets Growth
1991 51.498.964.699
1992 72.018.697.320 28.49%
1993 72.321.906.475 0.42%
1994 80.367.986.484 10.01%
1995 89.785.656.921 10.49%
1996 104.515.216.906 14.09%
1997 126.014.692.167 17.06%
1998 133.938.817.110 5.92%
1999 238.532.457.170 43.85%
2000 300.805.021.100 20.7%
2001 309.784.274.243 2.9%
2002 279.795.013.868 -10.72%
2003 286.648.607.201 2.39%
2004 314.118.124.511 8.74%
2005 392.091.625.123 19.89%
2006 411.916.307.000 4.81%
2007 502.204.000.000 17.98%
2008 542.650.000.000 7.45%
2009 535.065.000.000 -1.42%
2010 552.738.000.000 3.2%
2011 597.688.000.000 7.52%
2012 637.860.000.000 6.3%
2013 599.482.000.000 -6.4%
2014 651.511.000.000 7.99%
2015 750.078.000.000 13.14%
2016 731.856.000.000 -2.49%
2017 690.059.000.000 -6.06%
2018 676.689.000.000 -1.98%
2019 698.690.000.000 3.15%
2020 736.258.000.000 5.1%
2021 662.885.000.000 -11.07%
2022 713.140.000.000 7.05%
2023 757.736.000.000 5.89%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banco Bilbao Vizcaya Argentaria, S.A. Liabilities
Year Liabilities Growth
1991 16.529.061.640
1992 67.294.048.860 75.44%
1993 67.592.337.442 0.44%
1994 75.615.077.874 10.61%
1995 84.711.250.497 10.74%
1996 98.284.226.709 13.81%
1997 118.268.063.550 16.9%
1998 125.210.221.956 5.54%
1999 68.712.628.180 -82.22%
2000 123.462.991.440 44.35%
2001 97.744.335.254 -26.31%
2002 90.210.774.209 -8.35%
2003 103.171.653.620 12.56%
2004 290.088.787.918 64.43%
2005 76.506.895.668 -279.17%
2006 389.597.829.000 80.36%
2007 474.261.000.000 17.85%
2008 515.945.000.000 8.08%
2009 504.302.000.000 -2.31%
2010 515.263.000.000 2.13%
2011 566.925.000.000 9.11%
2012 594.056.000.000 4.57%
2013 554.667.000.000 -7.1%
2014 599.902.000.000 7.54%
2015 85.757.000.000 -599.54%
2016 676.429.000.000 87.32%
2017 66.099.000.000 -923.36%
2018 623.814.000.000 89.4%
2019 643.766.000.000 3.1%
2020 686.239.000.000 6.19%
2021 614.125.000.000 -11.74%
2022 662.523.000.000 7.31%
2023 72.620.000.000 -812.31%

Banco Bilbao Vizcaya Argentaria, S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.2
Net Income per Share
1.23
Price to Earning Ratio
3.55x
Price To Sales Ratio
0.92x
POCF Ratio
-37.17
PFCF Ratio
-12.64
Price to Book Ratio
0.54
EV to Sales
0.85
EV Over EBITDA
1.52
EV to Operating CashFlow
-37.72
EV to FreeCashFlow
-11.79
Earnings Yield
0.28
FreeCashFlow Yield
-0.08
Market Cap
29,15 Bil.
Enterprise Value
27,20 Bil.
Graham Number
15.01
Graham NetNet
10.89

Income Statement Metrics

Net Income per Share
1.23
Income Quality
-0.09
ROE
0.16
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.62
EBT Per Ebit
0.73
Ebit per Revenue
0.52
Effective Tax Rate
0.34

Margins

Sales, General, & Administrative to Revenue
0.33
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.52
Pretax Profit Margin
0.38
Net Profit Margin
0.24

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.37
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-0.12
Free CashFlow per Share
-0.38
Capex to Operating CashFlow
2.2
Capex to Revenue
-0.05
Capex to Depreciation
-1.79
Return on Invested Capital
0.09
Return on Tangible Assets
0.01
Days Sales Outstanding
47.21
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
7.73
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.26

Balance Sheet

Cash per Share
22,25
Book Value per Share
8,13
Tangible Book Value per Share
111.6
Shareholders Equity per Share
8.13
Interest Debt per Share
14.44
Debt to Equity
1.42
Debt to Assets
0.09
Net Debt to EBITDA
-0.11
Current Ratio
46.97
Tangible Asset Value
682,81 Bil.
Net Current Asset Value
67,64 Bil.
Invested Capital
1.42
Working Capital
137,28 Bil.
Intangibles to Total Assets
0
Average Receivables
3,87 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.42

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banco Bilbao Vizcaya Argentaria, S.A. Dividends
Year Dividends Growth
2003 0
2004 0 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 100%
2009 1 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%

Banco Bilbao Vizcaya Argentaria, S.A. Profile

About Banco Bilbao Vizcaya Argentaria, S.A.

Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail banking, wholesale banking, and asset management services. It offers current accounts; and demand, savings, overnight, time, term, and subordinated deposits. The company also provides loan products; deals in securities; and manages pension and investment funds. In addition, it offers credit cards; corporate and investment banking services; insurance products and services; and real estate services. The company provides its products through online and mobile channels. As of December 31, 2021, it operated through a network of 6,083 branches and 29,148 ATMs. It operates in Spain, Mexico, South America, the United States, Turkey, Asia, and rest of Europe. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.

CEO
Mr. Onur Genc
Employee
120.457
Address
Plaza San NicolAs, 4
Bilbao, 48005

Banco Bilbao Vizcaya Argentaria, S.A. Executives & BODs

Banco Bilbao Vizcaya Argentaria, S.A. Executives & BODs
# Name Age
1 Mr. Rafael Salinas Martinez de Lecea
Chief Financial Officer & Global Head of Fin.
70
2 Mr. Jorge Sicilia Serrano
Chief Economist
70
3 Mr. Rafael Domenech Vilarino
Head of Economic Analysis-BBVA Research
70
4 Rafeal Pardo
Head of BBVA Foundation
70
5 Ms. Maria Jesus Arribas de Paz
Global Head of Legal
70
6 Mr. Carlos Torres Vila
Group Executive Chairman
70
7 Mr. Onur Genc
Chief Executive Officer & Executive Director
70
8 Ms. Gloria Couceiro Justo
Global Head of Shareholder & IR
70
9 Ms. Maria Jesus Arribas de Paz
Global Head of Legal
70
10 Mr. Paul G. Tobin
Global Head of Communications
70
11 Mr. Jaime Saenz de Tejada Pulido
Head of Global Risk Management
70
12 Mr. David Puente Vicente
Global Head of Client Solutions
70
13 Mr. Jorge Saenz-Azcunaga Carranza
Global Head of Country Monitoring
70

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