Fair Money & Economic Opportunity

The company's SME loans, which are a form of inclusion lending, constitute 11.47% of its total loan portfolio in 2023.

Additionally, its microfinance foundation channeled €1,450 million in 2023. For financial literacy, the company conducted workshops that reached almost 50,000 customers in 2023.

Fair Pay & Worker Respect

In 2024, the adjusted pay gap (median) for the Group was 0.6%.

The total employee turnover rate was 11.5% in 2024. The employee engagement index (GrandMean) was 4.46 on a scale of 5 in 2024, placing the company in the 78th percentile. In 2024, 3.7% of employees were on temporary contracts. The company reported a safety frequency rate of 1.3 in 2024, with 1 death in 2024 and 2 in 2023. Additionally, 43% of the Group's workers are covered by collective bargaining agreements. In 2024, 19 sexual harassment cases were confirmed, resulting in dismissal, and 54 workplace harassment protocols were activated with no confirmed cases.

Fair Trade & Ethical Sourcing

The provided articles do not contain specific, quantitative data for BOY.XETRA regarding fair trade certifications, audit frequency, forced or child labor incidents, supply chain traceability, remediation speed, ethical clause coverage in supplier contracts, share of high-risk materials, or supplier diversity spend.

Information presented pertains to general ESG trends in Argentina or to BBVA (a separate entity), not specifically to BOY.XETRA.

Honest & Fair Business

The company retrospectively revised its 2022 financial information due to the application of IFRS 17 from January 1, 2023, which counts as one restatement in the past three years.

The company also complies with the Sarbanes-Oxley Act (SOX) requirements for financial statement preparation as a company registered with the U.S. Securities and Exchange Commission (SEC). While an "Independent Report on Carbon Footprint 2024" is published, the extent of independent verification of ethical claims is not specified. The company has an FCPA-compliant policy in place, but there is no information on the frequency of training or effectiveness metrics.

Kind to Animals

No specific, concrete data points were found in the provided articles to assess BOY.XETRA against any of the 'Kind to Animals' KPIs.

The articles primarily focus on financial performance, general sustainability financing, and climate strategy for BBVA México and BBVA Asset Management. Article 2, which discusses animal welfare policies in financial institutions, explicitly states that no data is available for specific companies like BOY.XETRA.

Respect for Cultures & Communities

BBVA Argentina has established 51 formal partnerships, comprising 18 NGOs and 33 education centers, as part of its Financial Education Program.

The company also reported that 99% of its employees received training on ethical conduct. Additionally, BBVA has implemented two new editions of its Clear Language Program.

Safe & Smart Tech

Garanti BBVA received Tier IV Gold certification for data center infrastructure, indicating comprehensive certifications including advanced standards for a critical system.

BBVA uses behavioral economics to improve security training participation, doubling interest and increasing attendance by up to 70% in some cases, which suggests standard security awareness training. The company's Bonus Platinum Biometric Card uses biometric verification for secure, unencrypted payments, indicating that less than 25% of sensitive data is encrypted. However, BBVA uses biometrics for authentication, which is an industry-standard practice. The Aqua card does not include PAN or CVV, enhancing security through data minimization, which represents good data minimization practices. BBVA participates in initiatives to ensure compliance with regulations, such as the Quantum Safe Financial Forum, and was ranked first in the '4th Cybersecurity Transparency Report' among Spanish Ibex35 companies for its compliance with relevant cybersecurity regulations. BBVA also has security operations teams for assessing, monitoring, and responding to security risks, which is a standard vulnerability management practice.