Long recognized as one of the world’s most innovative financial institutions, BBVA is now applying AI at global scale: as a new way of working and a core capability across the organization. We sat down with Antonio Bravo, Global Head of Data & AI and Elena Alfaro, Head of Global AI Adoption, to hear how the bank is scaling AI adoption across teams and business units. Read more: https://openai.com/index/bbva-2025/ ...

BUENOS AIRES, Argentina--(BUSINESS WIRE)--Banco BBVA Argentina S.A. (NYSE; BYMA; MAE: BBAR; LATIBEX: XBBAR) today announced that it will report its Third Quarter 2025 results. Earnings Release Tuesday, November 25, 2025 Time: After market close Conference Call Wednesday, November 26, 2025 Time: 12:00 p.m. Buenos Aires time – (10:00 a.m. EST) Quiet Period From Tuesday, November 11, through Tuesday, November 25, 2025 Executives Ms. Carmen Morillo Arroyo, Chief Financial Officer Mr. Diego Cesarini. ...

BOGOTA, Colombia--(BUSINESS WIRE)--Please replace the release with the following corrected version due to multiple revisions. The updated release reads: ADDI SECURES A $71M CREDIT UPSIZE FROM GOLDMAN SACHS, FASANARA CAPITAL, AND BBVA SPARK, REINFORCING GLOBAL CONFIDENCE AND ACCELERATING ITS GROWTH A renewed commitment from top financial institutions reinforces Addi's capital position to close 2025, while accelerating its mission to build modern, inclusive credit infrastructure. Addi, the leadin. ...

Market Overview - The equity markets experienced significant volatility due to strong quarterly performances from some blue-chip tech firms being overshadowed by concerns over the rising valuations of AI companies [1] - Experts predict that the growth of AI firms may not justify the substantial investments, potentially leading to a market correction [1] - The U.S. government shutdown has reached a record 38 days, contributing to investor uncertainty and increased market volatility [1] Economic Conditions - The U.S. economy showed signs of weakness with 153,000 job cuts in October, the highest for that month in 22 years, raising concerns about labor market conditions [2] - Investors are adopting a cautious "wait-and-see" approach, focusing on "cash cow" stocks that provide higher returns [2] Investment Metrics - Return on Equity (ROE) is highlighted as a crucial metric for assessing a company's financial health and efficiency in generating profits [3][4] - A high ROE indicates effective reinvestment of cash at a high rate of return, distinguishing profitable companies from less efficient ones [3][4] Stock Screening Criteria - Stocks are screened based on parameters such as Cash Flow greater than $1 billion and ROE exceeding the industry average [5] - Additional criteria include Price/Cash Flow lower than the industry average and Return on Assets (ROA) greater than the industry average [6] - A 5-Year EPS Historical Growth greater than the industry average is also considered to ensure continued earnings momentum [6] High-ROE Stocks - TE Connectivity, ZTO Express, Corning, Banco Bilbao, and VICI Properties are identified as high-ROE stocks that offer resilient investment options [7] - TE Connectivity has a long-term earnings growth expectation of 10.7% and a trailing four-quarter earnings surprise of 6.5% on average, with a Zacks Rank of 2 [9] - ZTO Express has a long-term earnings growth expectation of 1.7% and also carries a Zacks Rank of 2 [11] - Corning has a long-term earnings growth expectation of 18.2% and a trailing four-quarter earnings surprise of 4.1% on average, with a Zacks Rank of 1 [12] - Banco Bilbao has a long-term earnings growth expectation of 12% and a trailing four-quarter earnings surprise of 5.7% on average, with a Zacks Rank of 2 [13] - VICI Properties has a long-term earnings growth expectation of 4.2% and a trailing four-quarter earnings surprise of 0.4% on average, with a Zacks Rank of 2 [15]

Investors interested in stocks from the Banks - Foreign sector have probably already heard of Banco Bilbao (BBVA) and Royal Bank (RY) . But which of these two companies is the best option for those looking for undervalued stocks? Let's take a closer look.There are plenty of strategies for discovering value stocks, but we have found that pairing a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system produces the best returns. The Zacks Rank favors stocks with strong ear ...

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Financial Data and Key Metrics Changes - The tangible book value per share plus dividends increased by 17% year over year and 4.5% quarter over quarter [3] - The net attributable profit exceeded €2.5 billion, although it decreased compared to the previous quarter due to higher inflation in Turkey and one-off positive impacts in the second quarter [4] - The CET1 capital ratio improved by 8 basis points to 13.42%, providing capacity for increased shareholder remuneration [5] - Cumulative profits for the first nine months reached almost €8 billion, a 4.7% increase year over year [5] Business Line Data and Key Metrics Changes - Core revenues showed strong growth, with net interest income and fees growing 18% and 15% year over year, respectively [6] - In Spain, net interest income grew by 3.2% quarter on quarter, driven by strong loan growth in profitable segments [18] - In Mexico, net interest income grew by 3.3% quarter on quarter, supported by robust lending activity [21] - Turkey's net attributable profit increased by nearly 50% year over year, driven by higher core revenues [23] Market Data and Key Metrics Changes - Loan growth in Spain accelerated to 7.8% year over year, while Mexico's loan growth was 9.8% year over year [9] - The cost of risk in Mexico improved, with expectations to remain below 340 basis points [23] - The cumulative cost of risk in South America stood at 243 basis points, in line with full-year guidance [26] Company Strategy and Development Direction - The company aims to resume shareholder remuneration programs, including a nearly €1 billion share buyback program and a record interim dividend of €0.32 per share [15] - The strategic focus includes acquiring new customers, with 8.7 million new customers acquired in the first nine months of 2025, 66% through digital channels [16] - The company plans to double its Corporate & Investment Banking (CIB) business over the next four years, targeting a revenue growth of around 20% [70] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about future revenue and profit growth, citing stability in customer spreads and strong loan growth [12] - The company expects interest rates to stabilize, with limited room for further cuts, which will support core revenue growth [11] - The management highlighted the resilience of the Mexican economy, with an upward revision of GDP growth forecast to 0.7% for 2025 [21] Other Important Information - The company reported a solid efficiency ratio of 38.2%, improving from the previous year [12] - The asset quality metrics showed improvement, with the cost of risk standing at 135 basis points, better than guidance [13] Q&A Session Summary Question: Loan book growth in Spain and cost of risk in Mexico - Management noted that corporate loan growth in Spain is strong, particularly in mid-sized companies, while mortgage growth is below average due to pricing concerns [34] - The cost of risk in Mexico is expected to improve, with positive macro adjustments influencing guidance [37] Question: Sabadell transaction and capital distribution outlook - Management closed the chapter on the Sabadell transaction, viewing it as a missed opportunity but focusing on future growth [44] - The capital target is set at 11.5% to 12%, with plans to distribute excess capital back to shareholders [46] Question: Margins in Spain and Mexico - Management indicated that customer spreads in Spain are stabilizing, with expectations for continued resilience in Mexico despite falling interest rates [53][56] Question: Group costs and CIB ambitions - Management emphasized a focus on cost-to-income ratios and aims to double the CIB business over the next four years [66][70] Question: Competitive landscape in Mexico - Management acknowledged increased competition but highlighted BBVA's strengths, including strong customer relationships and market positioning [74]

Banco Bilbao Vizcaya Argentaria (NYSE:BBVA) Q3 2025 Earnings Call October 30, 2025 04:30 AM ET Company ParticipantsAntonio Reale - Co-Head of European Banks Equity ResearchAlvaro Serrano - Head of European Banks ResearchBorja Ramirez - Director of Banks Equity ResearchMaks Mishyn - Equity ResearchOnur Genç - CEOCarlos Peixoto - Equity Research of Banks, Insurance, and Financial ServicesFrancisco Riquel - Head of ResearchLuisa Bravo - CFOPatricia Olalla - Head of Investor RelationsConference Call Participant ...

Financial Data and Key Metrics Changes - Tangible book value per share plus dividends increased by 17% year over year and 4.5% quarter over quarter [2] - Net attributable profit exceeded €2.5 billion, although it decreased compared to the previous quarter due to higher inflation in Turkey and one-off positive impacts in the second quarter [3] - CET1 capital ratio improved by 8 basis points to 13.42%, providing capacity for increased shareholder remuneration [4] - Cumulative profits for the first nine months reached almost €8 billion, a 4.7% increase year over year [4] Business Line Data and Key Metrics Changes - Core revenues showed strong growth with net interest income and fees increasing by 18% and 15% year over year, respectively [5] - Net interest income grew by 3.2% quarter on quarter in Spain, driven by strong loan growth in profitable segments [19] - In Mexico, net interest income grew by 3.3% quarter on quarter, supported by robust lending activity [21] - Turkey's net attributable profit increased by nearly 50% year over year, driven by higher core revenues [24] Market Data and Key Metrics Changes - Loan growth in Spain accelerated to 7.8% year over year, while Mexico's loan growth was 9.8% year over year [9] - The Mexican peso's appreciation negatively impacted FX hedges this quarter but is expected to benefit in the coming quarters [3] - The cost of risk in Mexico improved, with guidance now expecting it to remain below 340 basis points [24] Company Strategy and Development Direction - The company aims to focus on organic growth and has closed the chapter on the Sabadell transaction, emphasizing future operational focus [45] - A significant share buyback program of nearly €1 billion will commence, alongside a record interim dividend [16] - The company is committed to achieving a cost-to-income ratio of 35% by 2028, with a focus on maintaining operational leverage [68] Management Comments on Operating Environment and Future Outlook - Management expressed optimism about future revenue and profit growth, citing stability in customer spreads and strong loan growth [12] - The company expects interest rates to stabilize, with limited room for further cuts, which will support core revenue growth [11] - The competitive landscape in Mexico is acknowledged, with a focus on leveraging existing strengths to maintain market position [76] Other Important Information - The company acquired a record 8.7 million new customers in the first nine months of 2025, with 66% through digital channels [17] - A record €97 billion was channeled into sustainable business, reflecting the company's commitment to sustainability [17] Q&A Session Summary Question: Loan book growth in Spain and cost of risk in Mexico - Management noted that corporate loan growth in Spain is strong, driven by various sectors, while mortgage growth is limited due to pricing concerns [34][37] - The cost of risk in Mexico is expected to improve, with positive macro adjustments influencing guidance [38][39] Question: Insights on the Sabadell transaction and capital distribution outlook - Management considers the Sabadell transaction a missed opportunity but emphasizes a focus on future growth and shareholder value [45][46] - The company plans to distribute excess capital back to shareholders, targeting a capital level of 11.5% to 12% [46][50] Question: Margins in Spain and Mexico - Management indicated that customer spreads in Spain are stabilizing, with expectations of limited further declines [55][58] - In Mexico, margins are resilient despite falling interest rates, with expectations of stabilization in customer spreads [61][62] Question: Group costs and ambitions for Corporate & Investment Banking (CIB) - Management highlighted a focus on containing costs and achieving a cost-to-income ratio of 35% by 2028 [68] - The CIB business aims for 20% revenue growth, with aspirations to double the business over four years [70][72]

3Q25 Earnings October 30, 2025 3Q25 EARNINGS Disclaimer This document is only provided for information purposes and is not intended to provide financial advice and, therefore, does not constitute, nor should it be interpreted as, an offer to sell, exchange or acquire, or an invitation for offers to acquire securities issued by any of the aforementioned companies, or to contract any financial product. Any decision to purchase or invest in securities or contract any financial product must be made solely and e ...