BBVA drives growth in transactional banking with a strategy focused on specialization, expansion, and innovation

Following a record-breaking 2024, BBVA CIB is focusing on accelerating the growth of its transactional banking division. With revenues of €2.46 billion, its strategy is centered on specialization, geographic expansion and innovation to consolidate its leadership in structured and efficient financial solutions

As 2025 progresses, BBVA CIB remains committed to strengthening its growth and reinforcing its presence in the Global Transaction Banking (GTB) segment. The business unit closed 2024 with record figures, increasing its revenues by 32% to €2.46 billion. Despite declining interest rates in Europe and the U.S., GTB delivered a solid performance, driven by record growth in lending and institutional activity. The double-digit increase in recurring fees and efficiency improvements further strengthened revenue quality.

With a focus on continued expansion, the transactional banking team has structured its strategy around five main pillars: new product capabilities, geographic expansion, sector specialization, optimization of the Distribution Desk, and value creation for BBVA’s corporate clients.

According to Eva Rubio, Head of Global Transaction Banking at BBVA, “These initiatives will be key to sustaining GTB’s positive trajectory. They will not only allow us to continue expanding our reach and strengthening our value proposition but also reinforce our position in an increasingly competitive environment. Through specialization, geographic expansion, and the optimization of our capabilities, we will continue driving our clients’ growth and consolidating BBVA as a benchmark in transactional banking.”

Five strategic pillars to drive growth

1. Development of new product capabilities

The first strategic pillar focuses on the development of new product capabilities, prioritizing advanced financial solutions tailored to clients’ specific needs. Throughout this year, the optimization of tools such as receivables finance and asset securitization will allow companies to convert their accounts receivable into liquidity without impacting their borrowing capacity, thereby strengthening their financial structure and diversifying their funding sources. Additionally, the GTB team will continue enhancing its presence in key markets through specialized hubs in securitization and structured finance.

2. Geographic expansion and strengthening in key markets

At the same time, the team will continue strengthening its presence in strategic markets such as Brazil, the U.S., Mexico, and Europe. The geographic expansion strategy will focus on reinforcing local operations and improving capabilities in FX and cash management. Sustained growth in these regions will enable the bank to attract new clients and expand its offering of tailored solutions to meet the specific needs of each market.

3. Sector specialization for tailored solutions

Sector specialization will continue to be a key driver in offering solutions that align with each client’s needs based on their size and industry. With segmentation into seven sector portfolios and a team of specialized bankers, BBVA has optimized client allocation and improved productivity. This transformation has allowed the bank to triple its revenues since 2020 and increase operational efficiency, reinforcing its sector expertise and advisory capabilities.

4. Optimization of the distribution desk and operational efficiency

The optimization of the Distribution Desk is another strategic priority, expanding the distribution of securities and structured products for institutional and corporate clients. Through a market-aligned approach and close collaboration with the risk team, this pillar will strengthen operational capacity, ensuring a more efficient and diversified asset allocation.

5. Value generation for corporate clients

Finally, in value creation, BBVA will reinforce its model based on the value chain, promoting integrated financial solutions that strengthen the relationship between large buyers and suppliers. The alignment of incentives will ensure that each corporate client benefits from structured programs that optimize their operations and supply chains. Additionally, the integration of ESG criteria will remain a key factor in the value proposition, while data management will enable the evaluation of client commitment levels, the measurement of program impact, and the efficient scaling of these initiatives.