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).

Banco Bilbao Vizcaya Argentaria, S.A.

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

Not Halal

Banco Bilbao Vizcaya Argentaria, S.A.

NYSEFinancial ServicesES

$23.29

+0.52%

About Banco Bilbao Vizcaya Argentaria, S.A.

Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail banking, wholesale banking, and asset management services. It offers current accounts; and demand, savings, overnight, time, term, and subordinated deposits. The company also provides loan products; deals in securities; and manages pension and investment funds. In addition, it offers credit cards; corporate and investment banking services; insurance products and services; and real estate services. The company provides its products through online and mobile channels. As of December 31, 2021, it operated through a network of 6,083 branches and 29,148 ATMs. It operates in Spain, Mexico, South America, the United States, Turkey, Asia, and rest of Europe. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.

Sector: Financial Services 路 Industry: Banks - Diversified

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 17, 2026
F

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Failed

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

  • Prohibited industry: Banks - Diversified

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap60.2% / 30.0%

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.

Screened: Jun 17, 2026Fiscal: FY 2025Source: FMP

Financial Overview

Market Cap

129.8B

Price

$23.29

Sector

Financial Services

Industry

Banks - Diversified

Halal Alternatives in Financial Services

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

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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 60.2% (limit 30%); interest-bearing deposits of 203.0% (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: Jun 17, 2026.

Screened according to AAOIFI Standard No. 21 路 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.