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Banco Bilbao Vizcaya Argentaria, S.A. or BBVA, is a multinational Spanish banking group. It was formed in 1999 from the merger of Banco Bilbao Vizcaya and Argentaria, both of which in turn had previously amalgamated three important banks in Spain, namely Banco de Bilbao, Banco de Vizcaya, Banco Exterior de España and the state-owned Caja Postal de Ahorros, with other minor entities. BBVA is the second largest bank in Spain.