Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, engages in the retail banking, wholesale banking, asset management, and private banking businesses primarily in Spain, Mexico, South America, the United States, and Turkey. It offers deposit products, including personal accounts, housing accounts, savings accounts, deposit accounts, etc.; loan products, such as personal loans, mortgages, etc.; credit cards; investment products comprising mutual funds, warrants, and pension plans; and telephone and on-line banking services, as well as ATMs for individual customers. The company also provides discount lines, loans and advances on loans, leasing, renting, factoring, confirming, contingent liabilities, and flotation services; and foreign trade, placement of surplus cash, cash-flow management, payment collection, payment of taxes and social security, giros, and transfer services to small and medium enterprises. In addition, it offers corporate and business banking, and corporate and investment banking services; loans to real-estate developers and foreclosed real estate assets; asset management; and insurance and reinsurance services. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.