<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" >
    <channel>
        <title>Analysis and Opinion - NEWS BBVA</title>
        <atom:link href="https://www.bbva.com/en/analysis-and-opinion/feed/" rel="self" type="application/rss+xml" />
        <link>https://www.bbva.com/en/</link>
        <description>NEWS BBVA</description>
        <lastBuildDate>Tue, 24 Feb 2026 15:26:41 +0100</lastBuildDate>
        <language>en-US</language>
        <sy:updatePeriod>hourly</sy:updatePeriod>
        <sy:updateFrequency>1</sy:updateFrequency>
        
                            
                                <item>
                    <title>The end of LIBOR is approaching</title>
                    <link>https://www.bbva.com/en/the-end-of-libor-is-approaching/</link>
                    <pubDate>Wed, 24 Nov 2021 01:20:35 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Alexandra Rojas Rodríguez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Economy]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial and commercial services]]>
                            </category>
                                                    <category>
                                <![CDATA[Transactional banking]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=874087</guid>
                                            <description>
                            <![CDATA[The reform of the benchmark interest rates known as InterBank Offered Rates (IBOR) is one of the most significant financial reforms at present. It was driven by both international organizations  (<a href="https://www.iosco.org/library/pubdocs/pdf/IOSCOPD636.pdf" target="_blank" rel="noopener noreferrer">IOSCO</a> and <a href="https://www.fsb.org/2021/06/global-transition-roadmap-for-libor-2/" target="_blank" rel="noopener noreferrer">FSB</a>) and regulators <a href="https://eur-lex.europa.eu/legal-content/ES/TXT/?uri=CELEX%3A32016R1011" target="_blank" rel="noopener noreferrer">(Benchmarks Regulation 2016/1011),</a> with the goal of making the market more transparent and robust. This has led to the incorporation of substantial changes in the interest rates used as benchmarks in the operations of financial and non-financial institutions.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The reform of the benchmark interest rates known as InterBank Offered Rates (IBOR) is one of the most significant financial reforms at present. It was driven by both international organizations  (<a href="https://www.iosco.org/library/pubdocs/pdf/IOSCOPD636.pdf" target="_blank" rel="noopener noreferrer">IOSCO</a> and <a href="https://www.fsb.org/2021/06/global-transition-roadmap-for-libor-2/" target="_blank" rel="noopener noreferrer">FSB</a>) and regulators <a href="https://eur-lex.europa.eu/legal-content/ES/TXT/?uri=CELEX%3A32016R1011" target="_blank" rel="noopener noreferrer">(Benchmarks Regulation 2016/1011),</a> with the goal of making the market more transparent and robust. This has led to the incorporation of substantial changes in the interest rates used as benchmarks in the operations of financial and non-financial institutions.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>Analysis: Top five ways millennials’ approach to homebuying is different from other generations</title>
                    <link>https://www.bbva.com/en/analysis-top-five-ways-millennials-approach-to-homebuying-is-different-from-other-generations/</link>
                    <pubDate>Tue, 09 Feb 2021 16:40:35 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[al.ortiz]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Home buying]]>
                            </category>
                                                    <category>
                                <![CDATA[Housing]]>
                            </category>
                                                    <category>
                                <![CDATA[Mortgages]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=819432</guid>
                                            <description>
                            <![CDATA[Months ago, BBVA USA Head of Mortgage Murat Kalkan <a href="https://www.bbva.com/en/housing-market-outlook-supply-demand-millennials/" target="_blank" rel="noopener noreferrer">spoke on a variety of topics regarding the mortgage sector</a> - and in part spoke about millennials and their changing patterns toward homeownership.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Months ago, BBVA USA Head of Mortgage Murat Kalkan <a href="https://www.bbva.com/en/housing-market-outlook-supply-demand-millennials/" target="_blank" rel="noopener noreferrer">spoke on a variety of topics regarding the mortgage sector</a> - and in part spoke about millennials and their changing patterns toward homeownership.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>2020, a year to build a better future</title>
                    <link>https://www.bbva.com/en/opinion/2020-a-year-to-build-a-better-future/</link>
                    <pubDate>Mon, 14 Dec 2020 10:47:56 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Alexandra Rojas Rodríguez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Analysis and opinion]]>
                            </category>
                                                    <category>
                                <![CDATA[Carlos Torres Vila]]>
                            </category>
                                                    <category>
                                <![CDATA[Onur Genç]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=opinion&#038;p=809947</guid>
                                            <description>
                            <![CDATA[The chairman and CEO of BBVA jointly address the bank’s employees in a post on the internal blog, The Pulse. Both take stock of the year that is coming to an end, but above all, look forward to 2021 with hope: "This crisis has shown that we are the best team and that, together, not only can we tackle huge challenges, but we can also take advantage of all the opportunities that this new environment affords us."]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The chairman and CEO of BBVA jointly address the bank’s employees in a post on the internal blog, The Pulse. Both take stock of the year that is coming to an end, but above all, look forward to 2021 with hope: "This crisis has shown that we are the best team and that, together, not only can we tackle huge challenges, but we can also take advantage of all the opportunities that this new environment affords us."]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>BBVA Research publishes economic analysis: Strong November labor market report amid rising uncertainty</title>
                    <link>https://www.bbva.com/en/bbva-research-publishes-economic-analysis-strong-november-labor-market-report-amid-rising-uncertainty/</link>
                    <pubDate>Thu, 12 Nov 2020 20:02:06 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Lori Moore]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Economic forecasting]]>
                            </category>
                                                    <category>
                                <![CDATA[Employment]]>
                            </category>
                                                    <category>
                                <![CDATA[Unemployment]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=803109</guid>
                                            <description>
                            <![CDATA[After showing signs of slowing in September, the unemployment rate plunged to 6.9 percent in October, down from 7.9 percent, driven by disproportionately higher job gains in the household employment survey, according to the latest economic analysis from the <a href="https://www.bbvaresearch.com/en/" target="_blank" rel="noopener">BBVA Research</a> team.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[After showing signs of slowing in September, the unemployment rate plunged to 6.9 percent in October, down from 7.9 percent, driven by disproportionately higher job gains in the household employment survey, according to the latest economic analysis from the <a href="https://www.bbvaresearch.com/en/" target="_blank" rel="noopener">BBVA Research</a> team.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>To reach more clients, banks must lean on a digital footprint as much as a physical one</title>
                    <link>https://www.bbva.com/en/to-reach-more-clients-banks-must-lean-on-a-digital-footprint-as-much-as-a-physical-one/</link>
                    <pubDate>Tue, 27 Oct 2020 16:24:31 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[al.ortiz]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Omnichannel]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=798960</guid>
                                            <description>
                            <![CDATA[Throughout 2020, we’ve witnessed changes that have shifted the very foundation of our society, many of which will reverberate into the next decade. The economic fallout of the pandemic has been felt by small businesses, individuals and everywhere in between. People across the U.S. are hurting financially.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Throughout 2020, we’ve witnessed changes that have shifted the very foundation of our society, many of which will reverberate into the next decade. The economic fallout of the pandemic has been felt by small businesses, individuals and everywhere in between. People across the U.S. are hurting financially.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>We think big</title>
                    <link>https://www.bbva.com/en/opinion/we-think-big/</link>
                    <pubDate>Thu, 22 Oct 2020 00:20:02 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Santiago Romero]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Analysis and opinion]]>
                            </category>
                                                    <category>
                                <![CDATA[Creating opportunities]]>
                            </category>
                                                    <category>
                                <![CDATA[Onur Genç]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=opinion&#038;p=796173</guid>
                                            <description>
                            <![CDATA[In the internal blog ‘The Pulse’, BBVA CEO Onur Genç talks about the meaning of "Thinking big", one of BBVA's values. This value is key as it reminds us that "we can do more so that we can further impact people’s lives and enhance their opportunities", he says.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[In the internal blog ‘The Pulse’, BBVA CEO Onur Genç talks about the meaning of "Thinking big", one of BBVA's values. This value is key as it reminds us that "we can do more so that we can further impact people’s lives and enhance their opportunities", he says.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>United by Our Values</title>
                    <link>https://www.bbva.com/en/opinion/united-by-our-values/</link>
                    <pubDate>Fri, 18 Sep 2020 05:25:46 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Santiago Romero]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Carlos Torres Vila]]>
                            </category>
                                                    <category>
                                <![CDATA[Communication]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate communication]]>
                            </category>
                                                    <category>
                                <![CDATA[Creating opportunities]]>
                            </category>
                                                    <category>
                                <![CDATA[Employee Recognition]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=opinion&#038;p=787441</guid>
                                            <description>
                            <![CDATA[BBVA executive chairman Carlos Torres Vila has addressed the bank's employees on the occasion of the upcoming celebration of 'Values Day'. In the internal blog The Pulse he affirms that, in the midst of the COVID pandemic, "we have learned anything it is that despite the physical distance, we have remained more united than ever thanks to our Values".]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA executive chairman Carlos Torres Vila has addressed the bank's employees on the occasion of the upcoming celebration of 'Values Day'. In the internal blog The Pulse he affirms that, in the midst of the COVID pandemic, "we have learned anything it is that despite the physical distance, we have remained more united than ever thanks to our Values".]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>The future of banking is at the door; and it’s knocking even louder for LMI communities</title>
                    <link>https://www.bbva.com/en/the-future-of-banking-is-at-the-door-and-its-knocking-even-louder-for-lmi-communities/</link>
                    <pubDate>Wed, 05 Aug 2020 16:24:39 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[al.ortiz]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Analysis and opinion]]>
                            </category>
                                                    <category>
                                <![CDATA[Coronavirus]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate Responsibility]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=777916</guid>
                                            <description>
                            <![CDATA[In BBVA USA’s announcement <a href="https://www.bbva.com/en/bbva-usa-announces-it-will-open-15-new-branches-across-its-texas-footprint/" target="_blank" rel="noopener">regarding the opening of 15 new branches across Texas</a>, the bank showed its commitment to weaving its groundbreaking digital capabilities into traditional face-to-face interactions, a concept that continues to be relevant in today’s banking industry.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[In BBVA USA’s announcement <a href="https://www.bbva.com/en/bbva-usa-announces-it-will-open-15-new-branches-across-its-texas-footprint/" target="_blank" rel="noopener">regarding the opening of 15 new branches across Texas</a>, the bank showed its commitment to weaving its groundbreaking digital capabilities into traditional face-to-face interactions, a concept that continues to be relevant in today’s banking industry.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>An unprecedented journey</title>
                    <link>https://www.bbva.com/en/opinion/an-unprecedented-journey/</link>
                    <pubDate>Fri, 24 Jul 2020 06:00:43 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[david.corral]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Analysis and opinion]]>
                            </category>
                                                    <category>
                                <![CDATA[Coronavirus]]>
                            </category>
                                                    <category>
                                <![CDATA[Onur Genç]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=opinion&#038;p=774279</guid>
                                            <description>
                            <![CDATA[In the internal blog ‘<a href="https://thepulse.bbva.com/en/blog/category/general/"><strong>The Pulse’</strong></a>, BBVA CEO Onur Genç shares his experience during his virtual journey meeting employees from all the countries where BBVA operates. "Although today much of our energy is justifiably focused on the response to the crisis, to protect the health and safety of those around us and continue to serve our customers, we all also acknowledged that our strategic plan is more valid and relevant than ever", he says.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[In the internal blog ‘<a href="https://thepulse.bbva.com/en/blog/category/general/"><strong>The Pulse’</strong></a>, BBVA CEO Onur Genç shares his experience during his virtual journey meeting employees from all the countries where BBVA operates. "Although today much of our energy is justifiably focused on the response to the crisis, to protect the health and safety of those around us and continue to serve our customers, we all also acknowledged that our strategic plan is more valid and relevant than ever", he says.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>The continued relevance of BBVA USA’s 5-year strategic plan</title>
                    <link>https://www.bbva.com/en/the-continued-relevance-of-bbva-usas-5-year-strategic-plan/</link>
                    <pubDate>Wed, 15 Jul 2020 13:59:54 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[al.ortiz]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Analysis and opinion]]>
                            </category>
                                                    <category>
                                <![CDATA[Customer experience]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=772229</guid>
                                            <description>
                            <![CDATA[In January, more than 250 leaders from across BBVA USA gathered in Houston to hear from management about the bank’s new <a href="https://www.bbva.com/en/here-we-grow-bbva-usas-new-5-year-strategic-plan/" target="_blank" rel="noopener">5-year strategic plan</a>. Anybody in attendance will tell you it was a great meeting that generated palpable excitement about the bank’s future in the U.S.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[In January, more than 250 leaders from across BBVA USA gathered in Houston to hear from management about the bank’s new <a href="https://www.bbva.com/en/here-we-grow-bbva-usas-new-5-year-strategic-plan/" target="_blank" rel="noopener">5-year strategic plan</a>. Anybody in attendance will tell you it was a great meeting that generated palpable excitement about the bank’s future in the U.S.]]>
                        </content:encoded>
                                                        </item>
                        </channel>
</rss><!-- generated by openweb publisher 2026-02-24T15:53:42.918Z -->