Business areas

The financial information of BBVA is disclosed in eight reporting units following a geographical criteria




This scheme makes risk perception easier and offer better estimations of future growth perspectives.


Banking activity in Spain

Includes the Retail Network in Spain, Corporate and Business Banking (CBB), Corporate & Investment Banking (CIB), BBVA Seguros and Asset Management units in Spain. It also includes the portfolios, finance and structural
interest-rate positions of the euro balance sheet.


Non Core Real State

Covers specialist management in Spain of loans to developers in difficulties and real-estate assets mainly coming from foreclosed assets, originated from both, residential mortgages, as well as loans to developers. New loan production to developers or loans to those that are not in difficulties are managed by Banking activity in Spain.


United States

The United States includes the Group’s business activity in the country through the BBVA Compass group and the BBVA New York branch.



Turkey includes the activity of the Garanti Group. On March 22nd 2017 BBVA completed the acquisition of a 9.95% additional stake in Garanti. Thus, BBVA’s total stake in the said entity at present amounts to 49.85%.


Mexico basically includes the banking and insurance businesses in the country.


South America

South America basically includes the banking and insurance businesses businesses in the region.



The rest of Eurasia includes business activity in the rest of Europe and Asia, i.e. the Group’s retail and wholesale
businesses in the area.


Corporate Center

Corporate Center aggregate that contains the rest of the items that have not been allocated to the business areas, as it corresponds to the Group’s holding function. It includes: the costs of the head offices that have a corporate function; management of structural exchange-rate positions; specific issues of equity instruments to ensure adequate management of the Group’s global solvency; portfolios and their corresponding results, whose management is not linked to customer relations, such as industrial holdings; certain tax assets and liabilities; funds due to commitments with employees; goodwill and other intangibles.


Corporate & Investment Banking

In addition to this geographical breakdown, supplementary information is provided for all the wholesale businesses carried out by BBVA, Corporate & Investment Banking (CIB). This aggregate business is considered relevant to better understand the Group because of the characteristics of the customers served, the type of products offered and the risks assumed.





Updated page 10 November 2017

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