Annual Report 2014 Global growth The regulatory environment in the financial industry Unique banking model A new environment for the financial industry Transformation journey Business organization chart and structure Responsible Business Plan

BBVA's Purpose and Strategic Priorities


New Business Models

Digitalization has revolutionized other industries

Money is digital

Technology makes it possible to create new experiences and New Business Models


The way we do banking is going to change

A recent study concluded that up to 50% of banks' profits will disappear over the next ten years.

In 10 years
-50% profit

That is why it is of paramount importance to build New Business Models 

There are many ways to build New Business Models
We need to be capable of developing and choosing the model that is best suited to each opportunity

The attitude of a technology company

Look Outside

Always be aware of what is going on in the world.

Be Brave

When it comes to building new products and putting them on the market.


Don't Be Afraid to make Mistakes

Be prepared to fail and learn from our mistakes.

Fast and Efficient

Our ideas and prototypes must change to keep pace with the market.


Become Beta-Testers

For our own products in order to provide feedback.