BBVA is a global financial group, founded in 1857, with a business model that is fully focussed on the customer. It is the biggest financial institution in Spain and in Mexico, and has leading franchises in South America and in the 'Sun Belt' region of the USA. Furthermore, BBVA is also the biggest shareholder in Garanti Bank, Turkey. Its diversified business is focused on fast-growing markets, considering technology to be a key competitive advantage. Corporate social responsibility forms an integral part of its business model, favouring inclusion and financial education, whilst supporting research and culture. BBVA operates with the utmost integrity, adopting a long-term vision, establishing best practices and integrating 'flagship' indicators of sustainable development.