Banco Bilbao Vizcaya Argentaria SA (BBVA) is a Spain-based international financial group with presence in 32 countries. The Company�s activities are focused in such business units as banking, pension and insurance in Spain and Portugal, Mexico and South America. In the USA and Puerto Rico, the Bank only comprises banking business. In addition The Company has two cross-sectorial business units, Corporate and Investment Banking and Global Retail & Business Banking, which includes retail banking, commercial and small and medium enterprises (SMEs) banking, payment systems, consumer finance and private banking, among others. BBVA is a parent company of Grupo Banco Bilbao Vizcaya Argentaria, which comprises such entities as BBVA Banco Frances SA, BBVA Capital Finance SA, BBVA Senior Finance SAU and BBVA International Limited, among others. In April 2013, the Company sold its entire stake in AFP Horizonte SA. On May 23, 2013, the Company merged with Unnim Banc SA.