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The global economic landscape would be impossible to understand without the essential role that central banks are playing. Any statement issued on any given day by any of the chairs of the world’s main regulators (Kuroda, Yellen, Draghi or Carney, to mention some of the most prominent) is certain to make markets explode into frenzied motion. The “whatever it takes” uttered by Draghi in 2012 will resound forever in the collective mind of the financial world.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) filed on April 6, 2016 with the Securities and Exchange Commission BBVA´s Annual Report on Form 20-F for the year ended December 31, 2015. The Annual Report can be found on Investor Relations BBVA´s website  in the section dedicated to Financial Information 2015.

In 2011, Anil Aggarwal and Jonathan Weiner - Google employees at the time - organized an event in Las Vegas that aimed to bring together the main fintech actors. Five years later, Money20/20 has become the international benchmark for innovation in financial services.

This year, the fintech event will take place in Europe for the first time ever. The April 4th -7th Copenhagen event will include participants from startups, entrepreneurs, fintech executives and regulators. BBVA CEO Carlos Torres Vila will represent the bank at Money 20/20 and will be the only Spanish executive to be featured in the conference’s main stage.

In barely three months the British will go to the polls to decide the future of the United Kingdom. Will there be a Brexit?

With a referendum already set for June 23, supporters and opponents of the United Kingdom remaining in the European Union continue to put forward arguments supporting their positions. With the assistance of the BBVA Global Markets Research analysts, we have identified five key aspects used by both sides and analyzed what the impact would be for the country should the Brexit materialize.

The world of business resorts to a series of ratios - Return on Assets (ROA), Return on Equity (ROE), Return on Investment (ROI) or Risk-Adjusted Return (RAR) – to gauge a company’s profitability and activity.

We at BBVA strive to help our company achieve the best results. But besides what and how much we achieve, we worry about how those results are achieved. That is why we also talk about principle-adjusted return, one of the levers on which we have built our distinctive banking model, which we call responsible banking.