Banco Bilbao Vizcaya Argentaria, S.A.

BBVA: Is Banco Bilbao Vizcaya Argentaria, S.A. Halal?

Banco Bilbao Vizcaya Argentaria, S.A.

NYSEFinancial ServicesES

$25.70

+0.63%

Market Cap: 142.3B

Compliance Status

Not Halal

Screened on Jul 17, 2026 · AAOIFI Standard 21

F

Non-Compliant

0Score

Is Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) halal? Not Halal. Based on AAOIFI screening, Banco Bilbao Vizcaya Argentaria, S.A. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

57.5% of 30.0% limit

What this means for you

Most scholars advise not holding BBVA

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Banco Bilbao Vizcaya Argentaria, S.A.

Banco Bilbao Vizcaya Argentaria, S.A., established in Bilbao, Spain, in 1857, operates as a comprehensive global financial services provider through its various subsidiaries. The institution specializes in retail banking, wholesale banking, and asset management. Its extensive product offerings include everyday current accounts, a variety of deposit options such as demand, savings, overnight, time, term, and subordinated deposits, along with numerous loan products. BBVA also trades in securities and manages both pension and investment funds. Additional services encompass credit cards, corporate and investment banking solutions, insurance products, and real estate services. The bank delivers these offerings through both online and mobile digital channels. As of December 31, 2021, its physical presence was robust, featuring 6,083 branches and 29,148 ATMs. Geographically, BBVA maintains operations across Spain, Mexico, South America, the United States, Turkey, Asia, and the wider European region.

Sector: Financial Services · Industry: Banks - Diversified

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 17, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

  • Prohibited industry: Banks - Diversified

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

SPDR Gold Shares
GLDA+

SPDR Gold Shares

$368.41

+0.17%

iShares Silver Trust
SLVA+

iShares Silver Trust

$50.78

+0.47%

Sprott Physical Silver Trust
PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

Sprott Physical Gold Trust
PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

AllianceBernstein Holding L.P.
ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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Frequently Asked Questions

Is Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) halal to invest in?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.
Why did Banco Bilbao Vizcaya Argentaria, S.A. get a F compliance rating?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 57.5% (limit 30%); interest-bearing deposits of 193.9% (limit 30%); prohibited income of 71.16% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change Banco Bilbao Vizcaya Argentaria, S.A.'s Shariah verdict?
Banco Bilbao Vizcaya Argentaria, S.A.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.
How often is Banco Bilbao Vizcaya Argentaria, S.A. re-screened for Shariah compliance?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 17, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.