Banco Bilbao Vizcaya Argentaria (BBVA) is a multinational Spanish banking group. The group offers individual and corporate customers the most complete range of financial and non-financial products and services. BBVA is the second largest bank in Spain and 7th largest financial institution in the Western world. Total assets: C 633 billion (as of March 31, 2013). Net profit: C 4,606 million (2010), C 3,004 million (2011), C 1,676 million (2012). BBVA employs about 111,000 people in over 30 countries around the world. It follows an innovative management model that focuses on the customer and that considers society in general. The key features are innovation, growth and the generation of profit. Its cornerstones are people, teamwork, ethical principles and technology.