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BBVA CLOSES THE SALE OF ITS U.S. SUBSIDIARY TO PNC BBVA has agreed to sell to PNC its subsidiary in the U.S. for $11.6 billion (€9.7 billion¹) in cash, an amount that represents 19.7 times the unit’s 2019 earnings², and that is almost 50% of BBVA’s current market capitalization, creating significant value for shareholders. The transaction will have a positive impact on BBVA’s fully loaded CET1 ratio of c.300 basis points, or €8.5 SUPPLY CHAIN, A KEY FACTOR FOR COMPANIES TO OVERCOME COVID The strength of the supply chain, a key factor for companies to overcome COVID-19. The supply chain is the set of elements that allows companies to deliver a product or service in order to satisfy the needs of the end customer. The COVID-19 crisis has put the resilience and adaptability of these essential business systems to the test HOW COULD 5G TECHNOLOGY AFFECT BANKING? 5G is destined to revolutionize multiple sectors of society. This technology, which will offer speeds 10 times faster than 4G, will also enable higher connection density in terms of the number of connected devices for each receiving unit and reduced latency. Its impact will be evident in self-driving cars, virtual reality, remote surgery, smart cities, and of course, in the banking industry. WHAT EXACTLY DOES A BANK’S TREASURY DO? A bank’s markets division, also known as its Treasury, is part of its wholesale banking business. It is a highly specialized area that seeks to meet institutional and corporate customers’ investment and risk coverage needs. The retail banking area serves individual customers and also receives support from the markets area to design and manage products and manage the associated BUYING A FORECLOSED HOME According to RealtyTrac, as of April 2018, there were more than 600,000 properties in the U.S. in some stage of foreclosure. While the numbers of foreclosed homes are significantly lower than at the peak of the U.S. Housing Crisis, with more than a half million lender owned homes on the market, buyers still have a solid opportunity to find agood deal.
CENTENNIALS, THE GENERATION THAT HAS NEVER KNOWN A WORLD Brands have realized that lumping these generations together is a mistake. Even though both groups are digital natives, centennials have never known life without social networks, or the Internet, and this impacts the way they live and consume. Centennials behave differently from millennials. According to Business Insider, today’s minors WHAT ARE ALL THOSE NUMBERS ON THE BOTTOM OF YOUR CHECKS The final four. You’ll notice the last four digits across the bottom of your checks are sequential. They should match your check number at the top of the check. Since these numbers pre-date computers, you may be wondering why we still need them. These numbers still identify the bank and the account for each transaction, whether it’s a WHAT IS A BOOKRUNNER, LEAD ARRANGER OR MLA?WHAT DO THEY DO? The bookrunner is also responsible for structuring the financing, and for designing and implementing the transaction. Mandated Lead Arranger (MLA): when there is a bookrunner in the transaction, the MLA is the second most important role, due to the amount they contribute to the financing operation. In the absence of a bookrunner, the MLA is the ZERO KNOWLEDGE PROOF: HOW TO MAINTAIN PRIVACY IN A DATA This is what ‘Zero Knowledge Proof’ technology proposes, a technique which employs cryptographic algorithms so that various parties can verify the veracity of an item of information without sharing the data that compose it. Every day, millions of users browse the internet, accept cookies and share their personal information inexchange for
BBVA | THE DIGITAL BANK OF THE 21ST CENTURYBBVA CAREERSBBVA SIGNS ITS FIRST SUSTAINABLE WORKING CAPITAL LOAN IN ASIA WITH SK INNOVATION Digital banking. Garanti BBVA is ready for the "new. normal". Garanti BBVA – the bank that spearheaded the development of online banking in the country – has digitized its entire customer onboarding process and allows banking transactions to be carried out easily, quickly and safely. Garanti BBVA’s economic contribution reached TL446
BBVA CLOSES THE SALE OF ITS U.S. SUBSIDIARY TO PNC BBVA has agreed to sell to PNC its subsidiary in the U.S. for $11.6 billion (€9.7 billion¹) in cash, an amount that represents 19.7 times the unit’s 2019 earnings², and that is almost 50% of BBVA’s current market capitalization, creating significant value for shareholders. The transaction will have a positive impact on BBVA’s fully loaded CET1 ratio of c.300 basis points, or €8.5 SUPPLY CHAIN, A KEY FACTOR FOR COMPANIES TO OVERCOME COVID The strength of the supply chain, a key factor for companies to overcome COVID-19. The supply chain is the set of elements that allows companies to deliver a product or service in order to satisfy the needs of the end customer. The COVID-19 crisis has put the resilience and adaptability of these essential business systems to the test HOW COULD 5G TECHNOLOGY AFFECT BANKING? 5G is destined to revolutionize multiple sectors of society. This technology, which will offer speeds 10 times faster than 4G, will also enable higher connection density in terms of the number of connected devices for each receiving unit and reduced latency. Its impact will be evident in self-driving cars, virtual reality, remote surgery, smart cities, and of course, in the banking industry. WHAT EXACTLY DOES A BANK’S TREASURY DO? A bank’s markets division, also known as its Treasury, is part of its wholesale banking business. It is a highly specialized area that seeks to meet institutional and corporate customers’ investment and risk coverage needs. The retail banking area serves individual customers and also receives support from the markets area to design and manage products and manage the associated BUYING A FORECLOSED HOME According to RealtyTrac, as of April 2018, there were more than 600,000 properties in the U.S. in some stage of foreclosure. While the numbers of foreclosed homes are significantly lower than at the peak of the U.S. Housing Crisis, with more than a half million lender owned homes on the market, buyers still have a solid opportunity to find agood deal.
CENTENNIALS, THE GENERATION THAT HAS NEVER KNOWN A WORLD Brands have realized that lumping these generations together is a mistake. Even though both groups are digital natives, centennials have never known life without social networks, or the Internet, and this impacts the way they live and consume. Centennials behave differently from millennials. According to Business Insider, today’s minors WHAT ARE ALL THOSE NUMBERS ON THE BOTTOM OF YOUR CHECKS The final four. You’ll notice the last four digits across the bottom of your checks are sequential. They should match your check number at the top of the check. Since these numbers pre-date computers, you may be wondering why we still need them. These numbers still identify the bank and the account for each transaction, whether it’s a WHAT IS A BOOKRUNNER, LEAD ARRANGER OR MLA?WHAT DO THEY DO? The bookrunner is also responsible for structuring the financing, and for designing and implementing the transaction. Mandated Lead Arranger (MLA): when there is a bookrunner in the transaction, the MLA is the second most important role, due to the amount they contribute to the financing operation. In the absence of a bookrunner, the MLA is the ZERO KNOWLEDGE PROOF: HOW TO MAINTAIN PRIVACY IN A DATA This is what ‘Zero Knowledge Proof’ technology proposes, a technique which employs cryptographic algorithms so that various parties can verify the veracity of an item of information without sharing the data that compose it. Every day, millions of users browse the internet, accept cookies and share their personal information inexchange for
ONUR GENÇ TAKES PART IN THE 2021 FINTECH KOÇ FORUM 17 hours ago · During the roundtable, The Present and Future of Finance: Banks and Fintechs, Onur Genç addressed the changes in the financial sector and the current relationship between banks and fintechs in terms of their competitiveness and collaboration.The discussion´s participants also addressed Coronavirus´ impact on finance, entrepreneurship and the fintech ecosystem both in Turkey and HOW COULD 5G TECHNOLOGY AFFECT BANKING? 5G is destined to revolutionize multiple sectors of society. This technology, which will offer speeds 10 times faster than 4G, will also enable higher connection density in terms of the number of connected devices for each receiving unit and reduced latency. Its impact will be evident in self-driving cars, virtual reality, remote surgery, smart cities, and of course, in the banking industry. CENTENNIALS, THE GENERATION THAT HAS NEVER KNOWN A WORLD Brands have realized that lumping these generations together is a mistake. Even though both groups are digital natives, centennials have never known life without social networks, or the Internet, and this impacts the way they live and consume. Centennials behave differently from millennials. According to Business Insider, today’s minors BBVA RESULTS: SIX KEY TAKEAWAYS FROM THE 2021 FIRST BBVA Results: six key takeaways from the 2021 first quarter accounts. The BBVA Group obtained a net attributable profit of €1.21 billion in the first quarter of 2021 – a figure that shows a return to levels prior to the outbreak of the COVID pandemic. These results were achieved thanks to strong recurring revenue – despite the complex 5 BEST RECYCLING PRACTICES FROM AROUND THE WORLD 5 best recycling practices from around the world. UN Sustainable Development Goal (SDG) 12 sets out the need to foster sustainable and environmentally-responsible consumption and production patterns. Within the scope of this goal, one of the key strategies that countries need to embrace is the so-called “three Rs” approach:Reduce, Reuse
FOUR CONTRIBUTIONS EINSTEIN HAS MADE TO OUR DAILY LIVES Four contributions Einstein has made to our daily lives. Albert Einstein’s Theory of Relativity forever changed the way we understand space and time. But the German genius who was the centerpiece of a conference organized by the BBVA Foundation, “Explore Einstein’s universe,” also left his mark on hundreds of technologies that we use EVERYTHING YOU NEED TO KNOW ABOUT PSD2 Everything you need to know about PSD2. PSD2 is a European regulation for electronic payment services. It seeks to make payments more secure in Europe, boost innovation and help banking services adapt to new technologies. PSD2 is evidence of the increasing importance Application Program Interfaces (APIs) are acquiring in differentfinancial
ZERO KNOWLEDGE PROOF: HOW TO MAINTAIN PRIVACY IN A DATA Alice may think this has been a question of luck: there was a 50% chance that both of them had chosen the same path. Nevertheless, if this exercise is carried out multiple times, the probability that Bob exits through the same path selected by Alice without having the code progressively reduces, until it being practically impossible. RETURN RATIOS: WHICH ONE IS THE BEST? Traditionally, to determine a bank’s profitability returns are measured against equity or assets. In the first equity group, a series of standard ratios such as the ROE ( Return on Equity) or the ROTE ( Return on Tangible Equity) are used extensively. The second group of ratios differs from the first one in that it excludes intangible BBVA MEXICO AND CLARITY AI STUDY CONSUMPTION PATTERNS IN This is the first data analysis carried out in the country using machine techniques to identify the existence of non-linearities for determining usage patterns within different payment channels, in addition to the importance of financial development for consumer decision-making. The study of household consumption patterns and payment channels is relevant for inclusive development policies BBVA | THE DIGITAL BANK OF THE 21ST CENTURYBBVA CAREERSBBVA SIGNS ITS FIRST SUSTAINABLE WORKING CAPITAL LOAN IN ASIA WITH SK INNOVATION Digital banking. Garanti BBVA is ready for the "new. normal". Garanti BBVA – the bank that spearheaded the development of online banking in the country – has digitized its entire customer onboarding process and allows banking transactions to be carried out easily, quickly and safely. Garanti BBVA’s economic contribution reached TL446
SUPPLY CHAIN, A KEY FACTOR FOR COMPANIES TO OVERCOME COVID The strength of the supply chain, a key factor for companies to overcome COVID-19. The supply chain is the set of elements that allows companies to deliver a product or service in order to satisfy the needs of the end customer. The COVID-19 crisis has put the resilience and adaptability of these essential business systems to the test HOW COULD 5G TECHNOLOGY AFFECT BANKING? 5G is destined to revolutionize multiple sectors of society. This technology, which will offer speeds 10 times faster than 4G, will also enable higher connection density in terms of the number of connected devices for each receiving unit and reduced latency. Its impact will be evident in self-driving cars, virtual reality, remote surgery, smart cities, and of course, in the banking industry. BUYING A FORECLOSED HOME According to RealtyTrac, as of April 2018, there were more than 600,000 properties in the U.S. in some stage of foreclosure. While the numbers of foreclosed homes are significantly lower than at the peak of the U.S. Housing Crisis, with more than a half million lender owned homes on the market, buyers still have a solid opportunity to find agood deal.
WHAT ARE THE ESG CRITERIA AND WHY ARE THEY IMPORTANT FOR ESG stands for environmental, social and governance, but what does each of these letters mean? The E for environmental encompasses the effect that companies’ activities have on the environment – directly or indirectly.; The S for social includes the impact that a certain company has on its social environment in the community.; The G for governance alludes to the company’s corporate FOUR CONTRIBUTIONS EINSTEIN HAS MADE TO OUR DAILY LIVES Four contributions Einstein has made to our daily lives. Albert Einstein’s Theory of Relativity forever changed the way we understand space and time. But the German genius who was the centerpiece of a conference organized by the BBVA Foundation, “Explore Einstein’s universe,” also left his mark on hundreds of technologies that we use CENTENNIALS, THE GENERATION THAT HAS NEVER KNOWN A WORLD Brands have realized that lumping these generations together is a mistake. Even though both groups are digital natives, centennials have never known life without social networks, or the Internet, and this impacts the way they live and consume. Centennials behave differently from millennials. According to Business Insider, today’s minors WHAT IS A RCF OR REVOLVING CREDIT FACILITY? A RCF is a financing instrument that companies frequently recur to, particularly in syndicated format. For Investment-Grade (IG) companies, RCFs usually serve as backup instruments – a condition required by credit rating agencies to maintain their rating to issue bonds. That is why ‘back-up’ RCFs are instruments set up not so much to draw down from them but by way of back-up line in case WHAT ARE ALL THOSE NUMBERS ON THE BOTTOM OF YOUR CHECKS The final four. You’ll notice the last four digits across the bottom of your checks are sequential. They should match your check number at the top of the check. Since these numbers pre-date computers, you may be wondering why we still need them. These numbers still identify the bank and the account for each transaction, whether it’s a WHAT IS A BOOKRUNNER, LEAD ARRANGER OR MLA?WHAT DO THEY DO? The bookrunner is also responsible for structuring the financing, and for designing and implementing the transaction. Mandated Lead Arranger (MLA): when there is a bookrunner in the transaction, the MLA is the second most important role, due to the amount they contribute to the financing operation. In the absence of a bookrunner, the MLA is the BBVA | THE DIGITAL BANK OF THE 21ST CENTURYBBVA CAREERSBBVA SIGNS ITS FIRST SUSTAINABLE WORKING CAPITAL LOAN IN ASIA WITH SK INNOVATION Digital banking. Garanti BBVA is ready for the "new. normal". Garanti BBVA – the bank that spearheaded the development of online banking in the country – has digitized its entire customer onboarding process and allows banking transactions to be carried out easily, quickly and safely. Garanti BBVA’s economic contribution reached TL446
SUPPLY CHAIN, A KEY FACTOR FOR COMPANIES TO OVERCOME COVID The strength of the supply chain, a key factor for companies to overcome COVID-19. The supply chain is the set of elements that allows companies to deliver a product or service in order to satisfy the needs of the end customer. The COVID-19 crisis has put the resilience and adaptability of these essential business systems to the test HOW COULD 5G TECHNOLOGY AFFECT BANKING? 5G is destined to revolutionize multiple sectors of society. This technology, which will offer speeds 10 times faster than 4G, will also enable higher connection density in terms of the number of connected devices for each receiving unit and reduced latency. Its impact will be evident in self-driving cars, virtual reality, remote surgery, smart cities, and of course, in the banking industry. BUYING A FORECLOSED HOME According to RealtyTrac, as of April 2018, there were more than 600,000 properties in the U.S. in some stage of foreclosure. While the numbers of foreclosed homes are significantly lower than at the peak of the U.S. Housing Crisis, with more than a half million lender owned homes on the market, buyers still have a solid opportunity to find agood deal.
WHAT ARE THE ESG CRITERIA AND WHY ARE THEY IMPORTANT FOR ESG stands for environmental, social and governance, but what does each of these letters mean? The E for environmental encompasses the effect that companies’ activities have on the environment – directly or indirectly.; The S for social includes the impact that a certain company has on its social environment in the community.; The G for governance alludes to the company’s corporate FOUR CONTRIBUTIONS EINSTEIN HAS MADE TO OUR DAILY LIVES Four contributions Einstein has made to our daily lives. Albert Einstein’s Theory of Relativity forever changed the way we understand space and time. But the German genius who was the centerpiece of a conference organized by the BBVA Foundation, “Explore Einstein’s universe,” also left his mark on hundreds of technologies that we use CENTENNIALS, THE GENERATION THAT HAS NEVER KNOWN A WORLD Brands have realized that lumping these generations together is a mistake. Even though both groups are digital natives, centennials have never known life without social networks, or the Internet, and this impacts the way they live and consume. Centennials behave differently from millennials. According to Business Insider, today’s minors WHAT IS A RCF OR REVOLVING CREDIT FACILITY? A RCF is a financing instrument that companies frequently recur to, particularly in syndicated format. For Investment-Grade (IG) companies, RCFs usually serve as backup instruments – a condition required by credit rating agencies to maintain their rating to issue bonds. That is why ‘back-up’ RCFs are instruments set up not so much to draw down from them but by way of back-up line in case WHAT ARE ALL THOSE NUMBERS ON THE BOTTOM OF YOUR CHECKS The final four. You’ll notice the last four digits across the bottom of your checks are sequential. They should match your check number at the top of the check. Since these numbers pre-date computers, you may be wondering why we still need them. These numbers still identify the bank and the account for each transaction, whether it’s a WHAT IS A BOOKRUNNER, LEAD ARRANGER OR MLA?WHAT DO THEY DO? The bookrunner is also responsible for structuring the financing, and for designing and implementing the transaction. Mandated Lead Arranger (MLA): when there is a bookrunner in the transaction, the MLA is the second most important role, due to the amount they contribute to the financing operation. In the absence of a bookrunner, the MLA is the AN AGILE BUSINESS CULTURE FOR THE REMOTE WORKING ERA When in 2014 the BBVA teams in charge of developing the new mobile banking app began testing a new way of working based on the agile project management model, they could never have imagined that they would become pioneers in successfully using a work methodology that would be extended to over 33,000 members of staff over the next five years.. Equally unpredictable was the fact WHAT ARE ALL THOSE NUMBERS ON THE BOTTOM OF YOUR CHECKS The final four. You’ll notice the last four digits across the bottom of your checks are sequential. They should match your check number at the top of the check. Since these numbers pre-date computers, you may be wondering why we still need them. These numbers still identify the bank and the account for each transaction, whether it’s a WHAT EXACTLY DOES A BANK’S TREASURY DO? A bank’s markets division, also known as its Treasury, is part of its wholesale banking business. It is a highly specialized area that seeks to meet institutional and corporate customers’ investment and risk coverage needs. The retail banking area serves individual customers and also receives support from the markets area to design and manage products and manage the associated UNDERSTANDING A COMPANY’S FX RISK Transaction risk: This is the most apparent risk, Gill says, and occurs when there’s a delay between when parties agree upon a price and when payment is rendered.For example, say Company A is based in the U.S. and decides to sell goods to a French distributor, Company B. Company A then sends an invoice for 1 million euros to Company B for the price of those goods. HOW DO BUSINESSES FINANCE THEMSELVES? LOANS VS BONDS In a context marked by financial market volatility, the advantages of diversifying the sources of funding are evident for businesses, regardless of their size. In long-term financing, the two more broadly used funding instruments are loans (syndicated or bilateral) and bonds, placed among institutional investors. Both instruments can be more or less tailored to fit a series of parameter WHAT IS A REGULATORY SANDBOX? The word sandbox originally referred to the small box filled with sand where children play and experiment in a controlled environment. But little by little, the term has acquired new meanings. In the computer science world, a sandbox is a closed testing environment designed for experimenting safely with web or software projects.. The concept is also being used in the digital economy arena, to POSITIVE JAWS: WHAT ARE THEY? With earnings season in the banking sector underway, it may be the right time to take a look at some of the most commonly used, but more frequently misunderstood, financial terms. One of these terms is the expression 'positive jaws,' which has been used, for example, by BBVA CEO Onur Genç during the quarterly results presentations. ZERO KNOWLEDGE PROOF: HOW TO MAINTAIN PRIVACY IN A DATA Alice may think this has been a question of luck: there was a 50% chance that both of them had chosen the same path. Nevertheless, if this exercise is carried out multiple times, the probability that Bob exits through the same path selected by Alice without having the code progressively reduces, until it being practically impossible. RETURN RATIOS: WHICH ONE IS THE BEST? Traditionally, to determine a bank’s profitability returns are measured against equity or assets. In the first equity group, a series of standard ratios such as the ROE ( Return on Equity) or the ROTE ( Return on Tangible Equity) are used extensively. The second group of ratios differs from the first one in that it excludes intangible BBVA MEXICO AND CLARITY AI STUDY CONSUMPTION PATTERNS IN This is the first data analysis carried out in the country using machine techniques to identify the existence of non-linearities for determining usage patterns within different payment channels, in addition to the importance of financial development for consumer decision-making. The study of household consumption patterns and payment channels is relevant for inclusive development policies BBVA | THE DIGITAL BANK OF THE 21ST CENTURYBBVA CAREERSBBVA SIGNS ITS FIRST SUSTAINABLE WORKING CAPITAL LOAN IN ASIA WITH SK INNOVATION Digital banking. Garanti BBVA is ready for the "new. normal". Garanti BBVA – the bank that spearheaded the development of online banking in the country – has digitized its entire customer onboarding process and allows banking transactions to be carried out easily, quickly and safely. Garanti BBVA’s economic contribution reached TL446
SUPPLY CHAIN, A KEY FACTOR FOR COMPANIES TO OVERCOME COVID The strength of the supply chain, a key factor for companies to overcome COVID-19. The supply chain is the set of elements that allows companies to deliver a product or service in order to satisfy the needs of the end customer. The COVID-19 crisis has put the resilience and adaptability of these essential business systems to the test HOW COULD 5G TECHNOLOGY AFFECT BANKING? 5G is destined to revolutionize multiple sectors of society. This technology, which will offer speeds 10 times faster than 4G, will also enable higher connection density in terms of the number of connected devices for each receiving unit and reduced latency. Its impact will be evident in self-driving cars, virtual reality, remote surgery, smart cities, and of course, in the banking industry. BUYING A FORECLOSED HOME According to RealtyTrac, as of April 2018, there were more than 600,000 properties in the U.S. in some stage of foreclosure. While the numbers of foreclosed homes are significantly lower than at the peak of the U.S. Housing Crisis, with more than a half million lender owned homes on the market, buyers still have a solid opportunity to find agood deal.
WHAT ARE THE ESG CRITERIA AND WHY ARE THEY IMPORTANT FOR ESG stands for environmental, social and governance, but what does each of these letters mean? The E for environmental encompasses the effect that companies’ activities have on the environment – directly or indirectly.; The S for social includes the impact that a certain company has on its social environment in the community.; The G for governance alludes to the company’s corporate FOUR CONTRIBUTIONS EINSTEIN HAS MADE TO OUR DAILY LIVES Four contributions Einstein has made to our daily lives. Albert Einstein’s Theory of Relativity forever changed the way we understand space and time. But the German genius who was the centerpiece of a conference organized by the BBVA Foundation, “Explore Einstein’s universe,” also left his mark on hundreds of technologies that we use BBVA | THE DIGITAL BANK OF THE 21ST CENTURYBBVA CAREERSBBVA SIGNS ITS FIRST SUSTAINABLE WORKING CAPITAL LOAN IN ASIA WITH SK INNOVATION Digital banking. Garanti BBVA is ready for the "new. normal". Garanti BBVA – the bank that spearheaded the development of online banking in the country – has digitized its entire customer onboarding process and allows banking transactions to be carried out easily, quickly and safely. Garanti BBVA’s economic contribution reached TL446
SUPPLY CHAIN, A KEY FACTOR FOR COMPANIES TO OVERCOME COVID The strength of the supply chain, a key factor for companies to overcome COVID-19. The supply chain is the set of elements that allows companies to deliver a product or service in order to satisfy the needs of the end customer. The COVID-19 crisis has put the resilience and adaptability of these essential business systems to the test HOW COULD 5G TECHNOLOGY AFFECT BANKING? 5G is destined to revolutionize multiple sectors of society. This technology, which will offer speeds 10 times faster than 4G, will also enable higher connection density in terms of the number of connected devices for each receiving unit and reduced latency. Its impact will be evident in self-driving cars, virtual reality, remote surgery, smart cities, and of course, in the banking industry. BUYING A FORECLOSED HOME According to RealtyTrac, as of April 2018, there were more than 600,000 properties in the U.S. in some stage of foreclosure. While the numbers of foreclosed homes are significantly lower than at the peak of the U.S. Housing Crisis, with more than a half million lender owned homes on the market, buyers still have a solid opportunity to find agood deal.
WHAT ARE THE ESG CRITERIA AND WHY ARE THEY IMPORTANT FOR ESG stands for environmental, social and governance, but what does each of these letters mean? The E for environmental encompasses the effect that companies’ activities have on the environment – directly or indirectly.; The S for social includes the impact that a certain company has on its social environment in the community.; The G for governance alludes to the company’s corporate FOUR CONTRIBUTIONS EINSTEIN HAS MADE TO OUR DAILY LIVES Four contributions Einstein has made to our daily lives. Albert Einstein’s Theory of Relativity forever changed the way we understand space and time. But the German genius who was the centerpiece of a conference organized by the BBVA Foundation, “Explore Einstein’s universe,” also left his mark on hundreds of technologies that we use BBVA, THE ONLY SPANISH BANK TO JOIN THE WORLD ECONOMIC 1 day ago · The World Economic Forum´s (WEF) Alliance of CEO Climate Leaders, released a letter today, calling on the G7 and other world leaders to support a just transition.BBVA Chairman Carlos Torres Vila, the sole representative of a Spanish bank, has signed, together with 78 other CEOs or heads of large global companies, a declaration whose objective is to promote the contribution of the private AN AGILE BUSINESS CULTURE FOR THE REMOTE WORKING ERA When in 2014 the BBVA teams in charge of developing the new mobile banking app began testing a new way of working based on the agile project management model, they could never have imagined that they would become pioneers in successfully using a work methodology that would be extended to over 33,000 members of staff over the next five years.. Equally unpredictable was the fact WHAT EXACTLY DOES A BANK’S TREASURY DO? A bank’s markets division, also known as its Treasury, is part of its wholesale banking business. It is a highly specialized area that seeks to meet institutional and corporate customers’ investment and risk coverage needs. The retail banking area serves individual customers and also receives support from the markets area to design and manage products and manage the associated WHAT ARE ALL THOSE NUMBERS ON THE BOTTOM OF YOUR CHECKS The final four. You’ll notice the last four digits across the bottom of your checks are sequential. They should match your check number at the top of the check. Since these numbers pre-date computers, you may be wondering why we still need them. These numbers still identify the bank and the account for each transaction, whether it’s a UNDERSTANDING A COMPANY’S FX RISK Transaction risk: This is the most apparent risk, Gill says, and occurs when there’s a delay between when parties agree upon a price and when payment is rendered.For example, say Company A is based in the U.S. and decides to sell goods to a French distributor, Company B. Company A then sends an invoice for 1 million euros to Company B for the price of those goods. POSITIVE JAWS: WHAT ARE THEY? With earnings season in the banking sector underway, it may be the right time to take a look at some of the most commonly used, but more frequently misunderstood, financial terms. One of these terms is the expression 'positive jaws,' which has been used, for example, by BBVA CEO Onur Genç during the quarterly results presentations. HOW DO BUSINESSES FINANCE THEMSELVES? LOANS VS BONDS In a context marked by financial market volatility, the advantages of diversifying the sources of funding are evident for businesses, regardless of their size. In long-term financing, the two more broadly used funding instruments are loans (syndicated or bilateral) and bonds, placed among institutional investors. Both instruments can be more or less tailored to fit a series of parameter ZERO KNOWLEDGE PROOF: HOW TO MAINTAIN PRIVACY IN A DATA Alice may think this has been a question of luck: there was a 50% chance that both of them had chosen the same path. Nevertheless, if this exercise is carried out multiple times, the probability that Bob exits through the same path selected by Alice without having the code progressively reduces, until it being practically impossible. RETURN RATIOS: WHICH ONE IS THE BEST? Traditionally, to determine a bank’s profitability returns are measured against equity or assets. In the first equity group, a series of standard ratios such as the ROE ( Return on Equity) or the ROTE ( Return on Tangible Equity) are used extensively. The second group of ratios differs from the first one in that it excludes intangible BBVA MEXICO AND CLARITY AI STUDY CONSUMPTION PATTERNS IN This is the first data analysis carried out in the country using machine techniques to identify the existence of non-linearities for determining usage patterns within different payment channels, in addition to the importance of financial development for consumer decision-making. The study of household consumption patterns and payment channels is relevant for inclusive development policies BBVA | THE DIGITAL BANK OF THE 21ST CENTURYBBVA CAREERSBBVA SIGNS ITS FIRST SUSTAINABLE WORKING CAPITAL LOAN IN ASIA WITH SK INNOVATION Digital banking. Garanti BBVA is ready for the "new. normal". Garanti BBVA – the bank that spearheaded the development of online banking in the country – has digitized its entire customer onboarding process and allows banking transactions to be carried out easily, quickly and safely. Garanti BBVA’s economic contribution reached TL446
SUPPLY CHAIN, A KEY FACTOR FOR COMPANIES TO OVERCOME COVID The strength of the supply chain, a key factor for companies to overcome COVID-19. The supply chain is the set of elements that allows companies to deliver a product or service in order to satisfy the needs of the end customer. The COVID-19 crisis has put the resilience and adaptability of these essential business systems to the test HOW COULD 5G TECHNOLOGY AFFECT BANKING? 5G is destined to revolutionize multiple sectors of society. This technology, which will offer speeds 10 times faster than 4G, will also enable higher connection density in terms of the number of connected devices for each receiving unit and reduced latency. Its impact will be evident in self-driving cars, virtual reality, remote surgery, smart cities, and of course, in the banking industry. BUYING A FORECLOSED HOME According to RealtyTrac, as of April 2018, there were more than 600,000 properties in the U.S. in some stage of foreclosure. While the numbers of foreclosed homes are significantly lower than at the peak of the U.S. Housing Crisis, with more than a half million lender owned homes on the market, buyers still have a solid opportunity to find agood deal.
WHAT ARE THE ESG CRITERIA AND WHY ARE THEY IMPORTANT FOR ESG stands for environmental, social and governance, but what does each of these letters mean? The E for environmental encompasses the effect that companies’ activities have on the environment – directly or indirectly.; The S for social includes the impact that a certain company has on its social environment in the community.; The G for governance alludes to the company’s corporate FOUR CONTRIBUTIONS EINSTEIN HAS MADE TO OUR DAILY LIVES Four contributions Einstein has made to our daily lives. Albert Einstein’s Theory of Relativity forever changed the way we understand space and time. But the German genius who was the centerpiece of a conference organized by the BBVA Foundation, “Explore Einstein’s universe,” also left his mark on hundreds of technologies that we use WHAT IS A RCF OR REVOLVING CREDIT FACILITY? A RCF is a financing instrument that companies frequently recur to, particularly in syndicated format. For Investment-Grade (IG) companies, RCFs usually serve as backup instruments – a condition required by credit rating agencies to maintain their rating to issue bonds. That is why ‘back-up’ RCFs are instruments set up not so much to draw down from them but by way of back-up line in case CENTENNIALS, THE GENERATION THAT HAS NEVER KNOWN A WORLD Brands have realized that lumping these generations together is a mistake. Even though both groups are digital natives, centennials have never known life without social networks, or the Internet, and this impacts the way they live and consume. Centennials behave differently from millennials. According to Business Insider, today’s minors WHAT IS A BOOKRUNNER, LEAD ARRANGER OR MLA?WHAT DO THEY DO? The bookrunner is also responsible for structuring the financing, and for designing and implementing the transaction. Mandated Lead Arranger (MLA): when there is a bookrunner in the transaction, the MLA is the second most important role, due to the amount they contribute to the financing operation. In the absence of a bookrunner, the MLA is the ZERO KNOWLEDGE PROOF: HOW TO MAINTAIN PRIVACY IN A DATA This is what ‘Zero Knowledge Proof’ technology proposes, a technique which employs cryptographic algorithms so that various parties can verify the veracity of an item of information without sharing the data that compose it. Every day, millions of users browse the internet, accept cookies and share their personal information inexchange for
BBVA | THE DIGITAL BANK OF THE 21ST CENTURYBBVA CAREERSBBVA SIGNS ITS FIRST SUSTAINABLE WORKING CAPITAL LOAN IN ASIA WITH SK INNOVATION Digital banking. Garanti BBVA is ready for the "new. normal". Garanti BBVA – the bank that spearheaded the development of online banking in the country – has digitized its entire customer onboarding process and allows banking transactions to be carried out easily, quickly and safely. Garanti BBVA’s economic contribution reached TL446
SUPPLY CHAIN, A KEY FACTOR FOR COMPANIES TO OVERCOME COVID The strength of the supply chain, a key factor for companies to overcome COVID-19. The supply chain is the set of elements that allows companies to deliver a product or service in order to satisfy the needs of the end customer. The COVID-19 crisis has put the resilience and adaptability of these essential business systems to the test HOW COULD 5G TECHNOLOGY AFFECT BANKING? 5G is destined to revolutionize multiple sectors of society. This technology, which will offer speeds 10 times faster than 4G, will also enable higher connection density in terms of the number of connected devices for each receiving unit and reduced latency. Its impact will be evident in self-driving cars, virtual reality, remote surgery, smart cities, and of course, in the banking industry. BUYING A FORECLOSED HOME According to RealtyTrac, as of April 2018, there were more than 600,000 properties in the U.S. in some stage of foreclosure. While the numbers of foreclosed homes are significantly lower than at the peak of the U.S. Housing Crisis, with more than a half million lender owned homes on the market, buyers still have a solid opportunity to find agood deal.
WHAT ARE THE ESG CRITERIA AND WHY ARE THEY IMPORTANT FOR ESG stands for environmental, social and governance, but what does each of these letters mean? The E for environmental encompasses the effect that companies’ activities have on the environment – directly or indirectly.; The S for social includes the impact that a certain company has on its social environment in the community.; The G for governance alludes to the company’s corporate FOUR CONTRIBUTIONS EINSTEIN HAS MADE TO OUR DAILY LIVES Four contributions Einstein has made to our daily lives. Albert Einstein’s Theory of Relativity forever changed the way we understand space and time. But the German genius who was the centerpiece of a conference organized by the BBVA Foundation, “Explore Einstein’s universe,” also left his mark on hundreds of technologies that we use WHAT IS A RCF OR REVOLVING CREDIT FACILITY? A RCF is a financing instrument that companies frequently recur to, particularly in syndicated format. For Investment-Grade (IG) companies, RCFs usually serve as backup instruments – a condition required by credit rating agencies to maintain their rating to issue bonds. That is why ‘back-up’ RCFs are instruments set up not so much to draw down from them but by way of back-up line in case CENTENNIALS, THE GENERATION THAT HAS NEVER KNOWN A WORLD Brands have realized that lumping these generations together is a mistake. Even though both groups are digital natives, centennials have never known life without social networks, or the Internet, and this impacts the way they live and consume. Centennials behave differently from millennials. According to Business Insider, today’s minors WHAT IS A BOOKRUNNER, LEAD ARRANGER OR MLA?WHAT DO THEY DO? The bookrunner is also responsible for structuring the financing, and for designing and implementing the transaction. Mandated Lead Arranger (MLA): when there is a bookrunner in the transaction, the MLA is the second most important role, due to the amount they contribute to the financing operation. In the absence of a bookrunner, the MLA is the ZERO KNOWLEDGE PROOF: HOW TO MAINTAIN PRIVACY IN A DATA This is what ‘Zero Knowledge Proof’ technology proposes, a technique which employs cryptographic algorithms so that various parties can verify the veracity of an item of information without sharing the data that compose it. Every day, millions of users browse the internet, accept cookies and share their personal information inexchange for
BBVA, THE ONLY SPANISH BANK TO JOIN THE WORLD ECONOMIC 1 day ago · The World Economic Forum´s (WEF) Alliance of CEO Climate Leaders, released a letter today, calling on the G7 and other world leaders to support a just transition.BBVA Chairman Carlos Torres Vila, the sole representative of a Spanish bank, has signed, together with 78 other CEOs or heads of large global companies, a declaration whose objective is to promote the contribution of the private AN AGILE BUSINESS CULTURE FOR THE REMOTE WORKING ERA When in 2014 the BBVA teams in charge of developing the new mobile banking app began testing a new way of working based on the agile project management model, they could never have imagined that they would become pioneers in successfully using a work methodology that would be extended to over 33,000 members of staff over the next five years.. Equally unpredictable was the fact WHAT EXACTLY DOES A BANK’S TREASURY DO? A bank’s markets division, also known as its Treasury, is part of its wholesale banking business. It is a highly specialized area that seeks to meet institutional and corporate customers’ investment and risk coverage needs. The retail banking area serves individual customers and also receives support from the markets area to design and manage products and manage the associated WHAT ARE ALL THOSE NUMBERS ON THE BOTTOM OF YOUR CHECKS The final four. You’ll notice the last four digits across the bottom of your checks are sequential. They should match your check number at the top of the check. Since these numbers pre-date computers, you may be wondering why we still need them. These numbers still identify the bank and the account for each transaction, whether it’s a UNDERSTANDING A COMPANY’S FX RISK Transaction risk: This is the most apparent risk, Gill says, and occurs when there’s a delay between when parties agree upon a price and when payment is rendered.For example, say Company A is based in the U.S. and decides to sell goods to a French distributor, Company B. Company A then sends an invoice for 1 million euros to Company B for the price of those goods. POSITIVE JAWS: WHAT ARE THEY? With earnings season in the banking sector underway, it may be the right time to take a look at some of the most commonly used, but more frequently misunderstood, financial terms. One of these terms is the expression 'positive jaws,' which has been used, for example, by BBVA CEO Onur Genç during the quarterly results presentations. HOW DO BUSINESSES FINANCE THEMSELVES? LOANS VS BONDS In a context marked by financial market volatility, the advantages of diversifying the sources of funding are evident for businesses, regardless of their size. In long-term financing, the two more broadly used funding instruments are loans (syndicated or bilateral) and bonds, placed among institutional investors. Both instruments can be more or less tailored to fit a series of parameter ZERO KNOWLEDGE PROOF: HOW TO MAINTAIN PRIVACY IN A DATA Alice may think this has been a question of luck: there was a 50% chance that both of them had chosen the same path. Nevertheless, if this exercise is carried out multiple times, the probability that Bob exits through the same path selected by Alice without having the code progressively reduces, until it being practically impossible. RETURN RATIOS: WHICH ONE IS THE BEST? Traditionally, to determine a bank’s profitability returns are measured against equity or assets. In the first equity group, a series of standard ratios such as the ROE ( Return on Equity) or the ROTE ( Return on Tangible Equity) are used extensively. The second group of ratios differs from the first one in that it excludes intangible BBVA MEXICO AND CLARITY AI STUDY CONSUMPTION PATTERNS IN This is the first data analysis carried out in the country using machine techniques to identify the existence of non-linearities for determining usage patterns within different payment channels, in addition to the importance of financial development for consumer decision-making. The study of household consumption patterns and payment channels is relevant for inclusive development policies INFORMACIÓN CORPORATIVA WHAT EXACTLY DOES A BANK’S TREASURY DO? A bank’s markets division, also known as its Treasury, is part of its wholesale banking business. It is a highly specialized area that seeks to meet institutional and corporate customers’ investment and risk coverage needs. The retail banking area serves individual customers and also receives support from the markets area to design and manage products and manage the associated BUYING A FORECLOSED HOME According to RealtyTrac, as of April 2018, there were more than 600,000 properties in the U.S. in some stage of foreclosure. While the numbers of foreclosed homes are significantly lower than at the peak of the U.S. Housing Crisis, with more than a half million lender owned homes on the market, buyers still have a solid opportunity to find agood deal.
BBVA - HOME ENGLISH - ACCIONISTAS E INVERSIONES EN BOLSA Presentations. Access institutional presentations for analysts and investors. Fixed Income Presentation 1Q21 Sustainability Presentation. Why invest in BBVA. Find out the strategic priorities and main competitive advantages of BBVA. Strategic priorities Competitive advantages. Financial Calendar. Find out the dates for importantevents within BBVA.
WHAT ARE ALL THOSE NUMBERS ON THE BOTTOM OF YOUR CHECKS The final four. You’ll notice the last four digits across the bottom of your checks are sequential. They should match your check number at the top of the check. Since these numbers pre-date computers, you may be wondering why we still need them. These numbers still identify the bank and the account for each transaction, whether it’s a WHAT IS A BOOKRUNNER, LEAD ARRANGER OR MLA?WHAT DO THEY DO? The bookrunner is also responsible for structuring the financing, and for designing and implementing the transaction. Mandated Lead Arranger (MLA): when there is a bookrunner in the transaction, the MLA is the second most important role, due to the amount they contribute to the financing operation. In the absence of a bookrunner, the MLA is the FOUR CONTRIBUTIONS EINSTEIN HAS MADE TO OUR DAILY LIVES Four contributions Einstein has made to our daily lives. Albert Einstein’s Theory of Relativity forever changed the way we understand space and time. But the German genius who was the centerpiece of a conference organized by the BBVA Foundation, “Explore Einstein’s universe,” also left his mark on hundreds of technologies that we use EMERGING TECHNOLOGIES: WHAT WILL THE WORLD BE LIKE IN 2030SEE MORE ONBBVA.COM
BBVA - CUENTAS ANUALES 2020TRANSLATE THIS PAGE Cartas del Presidente y del Consejero Delegado; Informe de gestión; Alineamiento con WEF-IBC y SASB; Cuentas anuales e informe deauditoría
PORTAL DE EMPLEO BBVATRANSLATE THIS PAGE Portal de empleo BBVA INFORMACIÓN CORPORATIVA WHAT EXACTLY DOES A BANK’S TREASURY DO? A bank’s markets division, also known as its Treasury, is part of its wholesale banking business. It is a highly specialized area that seeks to meet institutional and corporate customers’ investment and risk coverage needs. The retail banking area serves individual customers and also receives support from the markets area to design and manage products and manage the associated BUYING A FORECLOSED HOME According to RealtyTrac, as of April 2018, there were more than 600,000 properties in the U.S. in some stage of foreclosure. While the numbers of foreclosed homes are significantly lower than at the peak of the U.S. Housing Crisis, with more than a half million lender owned homes on the market, buyers still have a solid opportunity to find agood deal.
BBVA - HOME ENGLISH - ACCIONISTAS E INVERSIONES EN BOLSA Presentations. Access institutional presentations for analysts and investors. Fixed Income Presentation 1Q21 Sustainability Presentation. Why invest in BBVA. Find out the strategic priorities and main competitive advantages of BBVA. Strategic priorities Competitive advantages. Financial Calendar. Find out the dates for importantevents within BBVA.
WHAT ARE ALL THOSE NUMBERS ON THE BOTTOM OF YOUR CHECKS The final four. You’ll notice the last four digits across the bottom of your checks are sequential. They should match your check number at the top of the check. Since these numbers pre-date computers, you may be wondering why we still need them. These numbers still identify the bank and the account for each transaction, whether it’s a WHAT IS A BOOKRUNNER, LEAD ARRANGER OR MLA?WHAT DO THEY DO? The bookrunner is also responsible for structuring the financing, and for designing and implementing the transaction. Mandated Lead Arranger (MLA): when there is a bookrunner in the transaction, the MLA is the second most important role, due to the amount they contribute to the financing operation. In the absence of a bookrunner, the MLA is the FOUR CONTRIBUTIONS EINSTEIN HAS MADE TO OUR DAILY LIVES Four contributions Einstein has made to our daily lives. Albert Einstein’s Theory of Relativity forever changed the way we understand space and time. But the German genius who was the centerpiece of a conference organized by the BBVA Foundation, “Explore Einstein’s universe,” also left his mark on hundreds of technologies that we use EMERGING TECHNOLOGIES: WHAT WILL THE WORLD BE LIKE IN 2030SEE MORE ONBBVA.COM
BBVA - CUENTAS ANUALES 2020TRANSLATE THIS PAGE Cartas del Presidente y del Consejero Delegado; Informe de gestión; Alineamiento con WEF-IBC y SASB; Cuentas anuales e informe deauditoría
PORTAL DE EMPLEO BBVATRANSLATE THIS PAGE Portal de empleo BBVA AN AGILE BUSINESS CULTURE FOR THE REMOTE WORKING ERA 10 hours ago · When in 2014 the BBVA teams in charge of developing the new mobile banking app began testing a new way of working based on the agile project management model, they could never have imagined that they would become pioneers in successfully using a work methodology that would be extended to over 33,000 members of staff over the next five years.. Equally unpredictable was the fact TESLA AND CHINA CALL OUT 'BITCOIN' ON SUSTAINABILITY IMPACT In mid-May, Elon Musk announced on social media that Tesla would stop accepting ‘bitcoin’ payments until the cryptocurrency sorted out its sustainability issues.In addition, China, a country that is home to a large part ‘bitcoin’ mining farms, announced a sweeping ban on ‘bitcoin’ trading that could also have an impact on its production, which has caused some of the largest mining BBVA IS THE FIRST SPANISH BANK TO JOIN PCAF, THE ALLIANCE BBVA is the first and only Spanish bank to commit to PCAF´s measurement of financed emissions. The Partnership for Carbon Accounting Financials is a global partnership of financial institutions that work together to develop and implement a harmonized approach to assess and disclose the GHG emissions associated with their loans and investments. WHAT ARE ALL THOSE NUMBERS ON THE BOTTOM OF YOUR CHECKS The final four. You’ll notice the last four digits across the bottom of your checks are sequential. They should match your check number at the top of the check. Since these numbers pre-date computers, you may be wondering why we still need them. These numbers still identify the bank and the account for each transaction, whether it’s a GARANTI BBVA TAKES CARE OF ITS CUSTOMERS' FINANCIAL HEALTH Garanti BBVA is a firm believer that financial health is a prerequisite for a better life. As such, monitoring the financial health of its customers has become a priority social responsibility for the bank. Garanti BBVA definition of financial health is three-fold: managing the monthly budget, being EMERGING TECHNOLOGIES: WHAT WILL THE WORLD BE LIKE IN 2030 The multinational computer technology company Dell has just published a report that delves into the human-machine relationship and examines how emerging technologies will transform society by 2030. One of the biggest transformations will take place in the labor market. By 2030, individuals will cease to have permanent jobs, with most people PRE-APPROVED VS. PREQUALIFIED: WHAT’S THE DIFFERENCE? Like many Americans, you may find your mailbox stuffed with envelopes from banks, credit card providers and other lenders who want to make you an offer. (That includes your email, too.) Those offers may range from a pre-approved offer, to an invitation to apply, to a 4-pageapplication.
WHAT IS A BOOKRUNNER, LEAD ARRANGER OR MLA?WHAT DO THEY DO? The bookrunner is also responsible for structuring the financing, and for designing and implementing the transaction. Mandated Lead Arranger (MLA): when there is a bookrunner in the transaction, the MLA is the second most important role, due to the amount they contribute to the financing operation. In the absence of a bookrunner, the MLA is the BBVA MEXICO AND CLARITY AI STUDY CONSUMPTION PATTERNS IN This is the first data analysis carried out in the country using machine techniques to identify the existence of non-linearities for determining usage patterns within different payment channels, in addition to the importance of financial development for consumer decision-making. The study of household consumption patterns and payment channels is relevant for inclusive development policies PORTAL DE PROVEEDORES BBVATRANSLATE THIS PAGE Conoce nuestras herramientas. Conoce más sobre las herramientas de compras que BBVA utiliza para sus procesos de negociación, contratación y firma digital de contratos. Accede. Compras responsables. La relación de BBVA con sus proveedores debe respetar las políticas existentes. Conoce más.__Close panel
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Corporate information BBVA RENEWS ITS INVESTMENT BANKINGSTRATEGY IN THE US
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__BBVA CLOSES THE SALE OF ITS U.S. SUBSIDIARY TO PNCEconomic analysis
BBVA MEXICO AND CLARITY AI STUDY CONSUMPTION PATTERNS IN MEXICOFinancial products
“WE WANT TO DOUBLE THE NUMBER OF CORPORATE CLIENTS THAT RELY ON BBVAPIVOT”
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__BBVA RENEWS ITS OFFER FOR MULTINATIONALS WITH A SOLUTION FOR GLOBALCASH MANAGEMENT
Climate Action
BBVA IS THE FIRST SPANISH BANK TO JOIN PCAF (PARTNERSHIP FOR CARBON ACCOUNTINGFINANCIALS)
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__BIODIVERSITY CONSERVATION IS EMERGING AS ONE OF THE KEY TOPICS IN THE SUSTAINABILITY DEBATE, ACCORDING TO BBVA RESEARCH Innovation and Technology TESLA AND CHINA CALL OUT 'BITCOIN' ON SUSTAINABILITY IMPACT Tesla and China’s restrictions to ‘bitcoin’ have brought to the foreground new ways to generate more energy-efficientcryptocurrencies.
Banking
WHAT ARE ALCO PORTFOLIOS?__Opinion
Financial education
"FINANCIAL EDUCATION FOR SUSTAINABLE GROWTH"Antoni Ballabriga
Global Head of Responsible Business at BBVAClimate change
CARLOS TORRES VILA: "BANKS ARE MOVING FAST TO TACKLE CLIMATE CHANGE"*
__THE PANDEMIC HAS ACCELERATED FINANCIAL DIGITIZATION IN EVERYDAY LIFELatest news
* __BBVA Mexico and Clarity AI study consumption patterns in Mexico * __BBVA renews its investment banking strategy in the US * __Tesla and China call out 'bitcoin' on sustainability impact__Latest news
A NEW WAY OF UNDERSTANDING BANKING We transform ourselves to put in your hands all the OPPORTUNITIES ofthe world
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Mergers and acquisitions BBVA CLOSES THE SALE OF ITS U.S. SUBSIDIARY TOPNC
Shareholders' meeting BBVA SHAREHOLDERS LARGELY BACK THE POSSIBILITY OF CARRYING OUT A RELEVANT SHAREBUYBACK
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__BBVA COMMITS TO NET ZERO EMISSIONS BY 2050*
__CARLOS TORRES VILA TAKES STOCK OF 2020 AND ANNOUNCES PLEDGE TO MAKING BBVA CARBON NEUTRAL BY 2050 Financial and commercial services BBVA'S COMMITMENT IN ASIAClimate Action
BBVA JOINS THE NET ZERO EMISSION BANKING ALLIANCE PROMOTED BY UNSUSTAINABILITY
BBVA Sustainability Projects BBVA BACKS GREEN HYDROGEN PUSH, JOINS EUROPEAN CLEAN HYDROGEN ALLIANCE*
__BBVA AND ENEL SIGN €1.35 BILLION SUSTAINABLE GUARANTEE FACILITYClimate change
CARLOS TORRES VILA: “SPAIN HAS A COMPETITIVE ADVANTAGE IN THE ENERGYTRANSITION”
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__BBVA OFFERS A SUSTAINABLE ALTERNATIVE FOR ALL OF ITS PRODUCTS INSPAIN
Financial markets and monetary economics BBVA EXPANDS ITS RANGE OF SUSTAINABLE PRODUCTS WITH A SUSTAINABILITY-LINKED INTEREST RATE SWAP*
__IBERDROLA Y BBVA CLOSE A NEW PIONEERING SUSTAINABLE TRANSACTION Decent work and inclusive growth MORE THAN 2.6 MILLION ENTREPRENEURS BENEFITED FROM BBVA'S ENTREPRENEURSHIPINITIATIVES IN 2020
Sustainability
BBVA TO PROVIDE EMPLOYEE-WIDE SUSTAINABILITY TRAINING*
__FIFTH ANNIVERSARY OF THE SGDS: IN THE WAKE OF COVID-19, SUSTAINABLE DEVELOPMENT MATTERS MORE THAN EVERSustainability
BBVA, THE WORLD’S FIRST BANK TO USE DATA ANALYTICS TO CALCULATE COMPANIES’ CARBON FOOTPRINT*
__WHAT IS THE CARBON FOOTPRINT?*
__DIGITAL AND CARBON FOOTPRINTS: THE LEGACY OF HUMANKIND IN THE 21STCENTURY
Diversity
INTRAMA RECOGNIZES BBVA'S GOOD PRACTICES IN DIVERSITY AND INCLUSION__08:04Audio
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''THE PLANET IS TELLING US THAT THE WAY WE ARE LIVING ISN'T WORKING'',ED GILLESPIE
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''THE PLANET IS TELLING US THAT THE WAY WE ARE LIVING ISN'T WORKING'',ED GILLESPIE
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__07:03Audio
Sustainable Development Goals__Play audio
PREPARE FOR AN INCREASED FOCUS ON SUSTAINABILITY* __Listen
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Corporate information RESULTS: BBVA RETURNS TO PRE-COVID LEVELS, EARNS €1.21 BILLION IN FIRST QUARTER2021
The BBVA Group earned €1.21 billion in 1Q21, in line with quarterly earnings prior to the pandemic. In the year ago period, BBVA posted a €1.79 billion loss when it recorded a goodwill adjustment in its U.S. subsidiary and higher impairments.__2:52Video
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ONUR GENÇ: “BBVA CONTINUES TO MOVE FORWARD IN KEY AREAS OF ITS STRATEGY: DIGITIZATION AND SUSTAINABILITY” Corporate information BBVA RESULTS: SIX KEY TAKEAWAYS FROM THE 2021 FIRST QUARTER ACCOUNTSINNOVATION
Bank cards
BBVA LAUNCHES AQUA, THE FIRST CARD WITHOUTNUMBERS OR A CVV
Artificial Intelligence BBVA AI FACTORY, AMONG THE WORLD'S BEST FINANCIAL INNOVATION LABS, ACCORDING TO GLOBAL FINANCEInnovation
A BBVA AND ZAPATA COMPUTING STUDY SHOWS THE POTENTIAL OF QUANTUM COMPUTING FOR DERIVATIVE CALCULATIONSInnovation
BLUE, BBVA'S NEW VOICEASSISTANT IN SPAIN
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__CREATING THE GLOBAL BLUE EXPERIENCE WITH THE BBVA VIRTUAL ASSISTANT*
__THE ARTIFICIAL INTELLIGENCE BEHIND BBVA'S VIRTUAL ASSISTANT, BLUEInnovation
BBVA AND GOOGLE CLOUD FORM STRATEGIC PARTNERSHIP TO DRIVE SECURITY INNOVATION IN FINANCIAL SERVICESInnovation
DISSECTING DIGITAL PAYMENTS: HOW THEY ARE EVOLVING AROUND THE WORLDCybersecurity
BBVA PREPS EMPLOYEES AGAINST NEW CYBERATTACKS*
__IS EUROPE PREPARED FOR CYBERATTACKS?Capital
BBVA LAUNCHES A NEW SUPPLY CHAIN FINANCE SOLUTION TO LEAD THE BUSINESS IN ITSMAIN MARKETS
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__BBVA COLLABORATES WITH AMAZON WEB SERVICES AND BLOOMBERG TO DEVELOP A NEW TECHNOLOGY TO BOOST ITS EQUITY BUSINESSECONOMY
Consumption indexes
THE ECONOMY RECOVERS MORE QUICKLY IN AREAS WITH FEWER COVIDRESTRICTIONS
Economic analysis
BBVA RESEARCH LOWERS 2020 GROWTH FORECASTS FOR SPAIN TO -11.5 PERCENT AND RAISES 2021 TO SEVEN PERCENTTax system
BBVA, A EUROPEAN LEADER IN TAX TRANSPARENCY*
__OPEN BANKING REGULATION AROUND THE WORLDCoronavirus
FROM THE GREAT RECESSION TO THE GREAT PANDEMIC: THE DIFFERENCES BETWEEN THE 2008 AND 2020 CRISES*
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