Banco Bilbao Vizcaya Argentaria SA (BBVA) is a diversified international financial group. Its business is structured in four areas: Spain and Portugal area, comprising retail banking, business banking, personal banking and all the operations with small and medium enterprises (SMEs), consumer finance, insurance and BBVA Portugal; the Global Business area, which includes all the customer services in Europe, America and Asia, as well as real estate projects and investment banking; the Mexico and South America areas, covering the activities of the Group’s subsidiaries in this region, including pension-fund managers, insurance companies and international private banking business, and the United States (USA) business area, consisting of five divisions: Banking business in Texas, BBVA Bancomer USA, BBVA Puerto Rico, Bancomer Transfer Services (BTS) and BBVA Finanzia USA.