Banco Bilbao Vizcaya Argentaria is a financial services company that provides retail banking, wholesale banking, and asset management services through a network of 6,083 branches and 29,148 ATMs across Spain, Mexico, South America, the United States, Turkey, Asia, and the rest of Europe. The company offers a wide range of products and services, including current accounts, deposits, loan products, securities, pension and investment funds, credit cards, corporate and investment banking services, insurance products, and real estate services, accessible through online and mobile channels.
Frequently asked questions
Is Banco Bilbao Vizcaya Argentaria (BBVA) stock halal to invest in?
No. As of , BBVA is not Shariah-compliant under AAOIFI standards, so it is not considered halal to invest in. Banco Bilbao Vizcaya Argentaria fails the business screen, the financial screen or both, based on its most recent financial reports. The Zoya app shows which one and lists Shariah-compliant alternatives.
Does Banco Bilbao Vizcaya Argentaria have any interest income?
Yes, Banco Bilbao Vizcaya Argentaria does have interest income. According to the company's latest annual report for
the fiscal year ending Dec 31, 2025, Banco Bilbao Vizcaya Argentaria reported revenue of
€36,930,000,000 and interest income of
€26,280,000,000. The interest income represents
71.16% of the combined total. It's worth noting that some companies
may report additional interest income as part of their revenue. For a detailed breakdown of all interest
income and revenue segments, please refer to the full Shariah compliance report available in the Zoya app.
What guidelines are used to determine if Banco Bilbao Vizcaya Argentaria stock is Shariah-compliant?
We use the guidelines set by the Accounting and Auditing Organization for Islamic Financial Institutions
(AAOIFI) to assess Shariah compliance. AAOIFI is a leading international organization that establishes
standards for Islamic finance. Their guidelines help determine if a company's business activities and
financial structure align with Islamic principles. These standards are widely respected in the Islamic
finance industry and provide a consistent framework for evaluating the Shariah compliance of stocks and
other financial instruments. AAOIFI's Shariah board includes renowned scholars such as Sheikh Muhammad
Taqi Usmani, Sheikh Mohamed Ali Elgari, Sheikh Abdullah AlManea, Sheikh Nizam Yaquby, and Dr. Aznan Hassan.
How often is Banco Bilbao Vizcaya Argentaria stock reviewed for Shariah compliance?
The Shariah compliance status of Banco Bilbao Vizcaya Argentaria stock is reviewed on a regular basis, with a minimum
frequency of once per quarter. However, if there are any significant changes or major developments
in the company's operations that may impact its compliance, an immediate review will be conducted to
ensure ongoing adherence to Shariah principles.
How can I stay updated on Banco Bilbao Vizcaya Argentaria's compliance status?
To stay informed, we recommend regularly checking Zoya for updates. You can also enable alerts within
the Zoya app to receive notifications whenever there is a change in the Shariah compliance of BBVA,
or any other stocks you are monitoring. This is particularly useful as Shariah compliance can fluctuate
due to changes in a company's financial ratios or business activities.
Are dividends from Banco Bilbao Vizcaya Argentaria stock considered halal?
No, dividends from BBVA are not considered halal because the stock is currently not
Shariah-compliant. When a stock is non-compliant, any dividends received from it are considered
impermissible income and should be donated to charity as a form of purification. To learn more about
the purification process and how to handle impermissible income, read
our comprehensive guide.
Do I need to pay Zakat on my Banco Bilbao Vizcaya Argentaria shares?
If you hold Banco Bilbao Vizcaya Argentaria stock as an investment, through an Employee Stock Ownership
Plan (ESOP), stock options, restricted stock units (RSUs), or any other form of stock ownership, and
meet the Nisab threshold, you may be required to pay Zakat on it. The calculation of Zakat on investments
can be complex and depends on various factors. To help make this easy, we've created a free
Zakat calculator for stocks. For a more
seamless experience, use the Zoya mobile app, where you can link your brokerage account to
automatically import holdings.
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