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BBVA seeks to generate new business opportunities in sectors where the transition is already an economic reality. The bank relies on specialized teams, advanced risk management capabilities, and an advisory model that helps companies and families make informed financial decisions. The following is a breakdown by sector of notable sustainable operations the bank has participated in during 2025.

Energy and the Industrial Transition: New Financing for Renewable Generation and Efficiency

The energy sector remains a key driver of the transition to a more sustainable economy. In Argentina, BBVA has provided sustainable financing to the San Alonso Thermal Power Plant to support the expansion of its renewable generation capacity. The bank has also worked with Bio4 to improve its bioethanol production processes—an example of how the bioeconomy is opening up new opportunities across Latin America.

In Spain, BBVA Corporate & Investment Banking (BBVA CIB) has taken part in financing large-scale wind and solar projects and supported the first project-finance deal for a hydrogen plant in southern Europe, located in the Basque Country, under the bank’s cleantech financing framework. BBVA has also led Iberdrola’s new €2.5 billion sustainable credit facility as agent bank and joint lead arranger.

In Turkey, Garanti BBVA has backed energy investment in the country’s main industrial corridor by financing energy-efficiency and renewable-generation projects for industrial companies.

Textile Sector and Value Chain

Across the textile sector and its value chain, BBVA advanced a number of financing initiatives in 2025 across different markets. In Mexico, the bank provided Proximity Parks with a sustainable loan of up to MXN 1.2 billion to support the development of logistics and industrial infrastructure. BBVA is also participating in a financial support program for the textile and footwear sector, announced jointly with the Ministry of Economy and backed by Nacional Financiera (NAFIN)—Mexico’s development bank, which promotes access to financial services for SMEs. The program has a potential volume of MXN 120 billion and is aimed primarily at small and medium-sized enterprises.

In Turkey, Garanti BBVA has partnered with Ivy Decarb on a financing initiative to support the decarbonization of the textile sector, targeting companies investing in measures to reduce the environmental footprint of their production processes.

Housing, Building Efficiency, and Mobility: Solutions Closer to Consumers

The transition is also gaining momentum in homes and urban mobility. In Spain, BBVA has doubled its financing for homeowners’ associations seeking to carry out energy-efficiency or accessibility upgrades. The bank has also launched the CAE loan  for energy-efficiency projects in homes and SMEs, a financing solution designed for customers looking to monetize their Energy Savings Certificates (CAE).

The bank has also expanded its mobility solutions, tripling in Spain the number of dealership agreements available through its app and promoting electric-vehicle leasing and renting for companies across several markets.

Agriculture and Value Chains: More Efficient Production and SME Support

The agribusiness sector is undergoing a modernization process that requires sustained investment. In Colombia, BBVA has launched an initiative with Riopaila Castilla, one of the country’s leading agribusiness companies, enabling the company’s suppliers to access financing on terms linked to their environmental performance. The initiative encourages measurable improvements across the entire value chain.

Also in Colombia, BBVA and Yara have formed a financial partnership that helps farmers access sustainable fertilizers, supported by dedicated financing tied to product purchases. This initiative illustrates how sector-wide collaboration can combine financing with innovative solutions to environmental challenges, representing a meaningful step forward in strengthening food security.

In Argentina, BBVA certified as sustainable ten export pre-financing transactions and export-related financial loans granted to the wine producer Grupo Peñaflor, for a total of $64.8 million.

Hard-to-Abate Sectors: Mining, Cement, and Infrastructure

Sectors facing the greatest decarbonization challenges require solutions that combine financing, technology, and expert advisory support. In Peru, BBVA supported Hochschild Mining with a $300 million corporate loan linked to sustainability performance indicators, and structured the first KPI-linked loan in Peru’s cement sector for Cementos Yura.

In Spain, the agreement between BBVA and ADIF—a €250 million sustainable loan—forms part of the country’s railway infrastructure investment plan. In Turkey, Garanti BBVA took part in a €1.7 billion sustainable financing for the Antalya–Alanya highway project.

Protection and Conservation of Natural Capital: Biodiversity-Linked Financing

In November 2025, Garanti BBVA issued Turkey’s first biodiversity bond, becoming the first bank in the country to issue a blue bond through a pioneering transaction focused on protecting marine ecosystems. The bond, with a three-year maturity and a total amount of more than $20 million, will support the sustainable management of marine ecosystems in the Mediterranean basin.

Social Impact: Supporting Microenterprises, Women Entrepreneurs, and Education

The social pillar of sustainability is also gaining momentum across BBVA’s initiatives. In Peru, BBVA has supported the country’s first gender-focused social bond for women-led micro and small enterprises (MSE), developed in partnership with IDB Invest and COFIDE. The bond is designed to expand growth and development opportunities for women entrepreneurs and owners of micro and small businesses, helping them scale their ventures and improve living conditions for their families.

BBVA’s Strategic Commitment to Sustainability

BBVA sees sustainability as a driver of growth and a catalyst for developing new business opportunities. Its sustainability strategy rests on three core pillars: climate action, natural capital, and social inclusion. For the 2025-2029 period, the bank has set a target of €700 billion in sustainable business, more than doubling its previous goal of €300 billion for 2018–2025. That earlier target was reached in December 2024, a full year ahead of schedule. The new objective is not only more ambitious in scale, but also more demanding in timeframe, with the target to be achieved over five years instead of eight.

The criteria BBVA uses to account for products within its sustainable business mobilization target are set out in its Guide to Sustainable Business Mobilization.

BBVA is continuing to advance its transition plan to achieve net-zero emissions by 2050. In addition to the 2030 interim decarbonization targets already defined for ten sectors —oil and gas, power generation, automotive, steel, cement, coal, aviation, shipping, aluminum, and commercial and residential real estate—the bank is also working to set targets for additional sectors, including agriculture.

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BBVA financial information

BBVA offers a full ecosystem of payment solutions – from physical POS terminals to digital platforms like Social Pay or Wipöp— so the self-employed and businesses can charge their customers quickly and securely, tailored to their sales channels. The bank continues to champion innovation in payment methods as a driver of competitiveness and digitization, supporting businesses at every stage of their development.

In a constantly evolving business environment, SMEs and the self-employed need agile tools that enable them to offer their customers convenient, safe payment methods – whether they are selling from a shop, a website or even on social media.

In its commitment to the digitization of the business community, BBVA has developed a range of solutions designed to cover all payment and management needs: from the most advanced point-of-sale terminals to innovative digital platforms that simplify financial processes.

All these solutions have one goal in common: to help businesses focus on what really matters — their growth.

For SMEs and the self-employed with physical stores:

• Collect payments with your smartphone: With this solution, professionals and the self-employed can process card payments directly on their smartphones, with no need for a physical POS terminal. A simple, secure alternative that is perfect for mobile businesses or those with multiple points of service.

• BBVA POS: This allows users to accept card payments in both establishments or when on the go at events. It’s the perfect solution for businesses with direct customer interactions, as it offers a fast, secure experience with specialized technical support. Business owners can view their POS billing through their online banking, filter by store or date, and access reports that make it easier to keep track of their daily operations – all with the reliability and support that BBVA is known for.

• PC POS: BBVA offers solutions to integrate POS terminals with business management software, enabling automatic reconciliation and control of operations on a single platform.
• TPV Smart Business: A proposal that combines POS terminals with management software and sales analysis, it is designed for businesses looking for a complete system that integrates payments, invoicing and point-of-sale management.

For businesses that need remote collections, online sales or support starting a digital project:

• Wipöp: BBVA’s new digital platform for SMEs and the self-employed is designed to simplify their financial management. In a single digital platform, Wipöp can integrate collections, payments and financing solutions, promoting the digitization of the business community and reinforcing the competitiveness of small businesses.
• Social Pay: Sell directly via social media, WhatsApp or by email. This innovative solution lets SMEs, the self-employed and professionals sell directly from their social networks, on WhatsApp or by email, with no need to have a website. Integrated into the Virtual POS, this tool allows users to create links or personalized QR codes for products or services that can easily be shared on digital channels – making it easier to start a sale in a matter of seconds. Merchants can personalize their profiles with their logo, contact information, add images and descriptions and manage order, payments, returns, promotions and inventory from a single panel. Social Pay is the next step in the democratization of digital commerce for small businesses.

• TPV Paygold: enables users to send customers a payment link or QR code via social media, email or instant messenger. It’s a solution designed for businesses without a physical store or those that sell by phone, on Instagram or WhatsApp.  With Paygold, any professional can collect a payment in seconds – with no need to integrate complex systems or have a website.  It’s an ideal option for stores on the go or those seeking agility in remote sales.

• Virtual POS: It is a payment gateway to sell online, designed for SMEs to accept payments in their online stores, apps or call centers. The Virtual POS is compatible with cards and digital payment methods like Bizum. This solution makes it easier to handle returns, perform automatic payment reconciliation and integrate with major e-commerce platforms. Thanks to its flexibility, it offers a seamless and secure shopping experience, building client confidence and boosting online sales.
• Bizum for companies: BBVA enables companies to integrate Bizum as a payment method for their e-commerce or digital sales — an increasingly popular client request that enables instant payments and improves the shopping experience.

Complementary services for comprehensive business management

In addition, BBVA offers SMEs a range of complementary services that allow them to manage their businesses with a 360 degree perspective:

• Payment and collection management through online banking. BBVA’s business area offers advanced tools for integrated management of collections and payments. From issuing SEPA direct debits (Core or B2B) to managing supplier payments, taxes or bulk transfers, these features allow businesses to automate administrative tasks and have a global perspective of cash management. Thanks to its integration with digital banking, SMEs can improve tracking of their cash flow and spend more time on their business.
• Click&Pay: immediate liquidity for recurring payments. This line of credit offers companies between €2,000 and €25,000 to cover recurring payments like payroll, taxes or suppliers. With no activation fees (when contracted online) or penalties for early repayment, it offers a fast and flexible solution for short-term liquidity needs.
• POS Linked Loan: This is a financing solution for businesses already using a BBVA POS. It allows users to obtain liquidity quickly and automatically repay the loan through a set percentage of their daily POS revenue, with no fixed fees. This option adapts to a business’ real needs. If there are no sales one day, there are no charges. It’s an option that is particularly useful for SMEs and the self-employed with variable or seasonal income, as it facilitates short-term cash needs without putting pressure on cash flow.
• Programmed collections: BBVA’s corporate area offers advanced tools for integrated management of collections and payments. From issuing SEPA direct debits (Core or B2B) to managing supplier payments, taxes or bulk transfers, these features allow businesses to automate administrative tasks and have a global perspective of cash management.
• Collections with international cards: DCC and Tax Free. Merchants can offer services such as dynamic currency conversion (DCC) or ‘Tax Free’ management, improving the experience of international tourists and boosting sales to foreign customers.
• Hospitality: split checks and receive tips. BBVA POS terminals let restaurants easily divide a check among several customers and receive tips, improving the efficiency of the service and the payment experience.

From physical POS terminals to the most advanced digital solutions, such as Paygold, Social Pay and Wipöp, BBVA offers a comprehensive ecosystem to enable companies to grow, sell and manage their finances with full confidence. The bank continues to propel innovation in payment methods as the driver of competitiveness and digitization, supporting SMEs and the self-employed at every stage of their development.