2015 saw a number of key events in Latin America; but perhaps the most important occurred in the political arena with the change of government in Argentina, the National Assembly election results in Venezuela, and the progress made in the peace process in Colombia. These marked out a new direction for the countries in question and could have possible repercussions on the region's economy.

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Lower interest rates on deposits, extension of the quantitative easing policy until March 2017... the measures announced in the ECB’s last meeting did not seem enough. This Thursday, ECB President Mario Draghi will chair the first meeting of a 2016 riddled with challenges, with the confidence of someone who has succeeded in dizzying situations and prevented the collapse of the single currency. His pledge in 2012 to "do whatever it takes to preserve the euro.  And believe me, it will be enough" still resounds in the collective mind of the EU. We will review now some of his most relevant decisions, and what’s yet to come.

BBVA’s new headquarters in Madrid has been built according to the strictest sustainability criteria to ensure minimal environmental impact. Thanks to the smart systems built into the new Ciudad BBVA it has been possible to achieve energy consumption rates of 30%. Potable water consumption has been also cut by half and 100% of waste is recycled.

To understand how BBVA’s income statement evolved over the first nine months of 2015, seven key points should be taken into account: earnings, revenues, corporate operations, risk indicators, capital, digital banking and lending.