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15 May 2019

14 May 2019

The two Spanish companies have met with a selected group of Europe’s most promising startups and scaleups at an event promoted by the European Innovation Council (EIC) of the European Commission. 18 disruptive top-class innovators from 13 countries, including Spain, Portugal, France, Italy, Belgium, Switzerland, Norway were able to explain their proposals to the Open Innovation teams of both companies

13 May 2019

09 May 2019

Within the context of a complex environment, BBVA leads the digital transformation of banking and is evolving its business model in order to create value for its various stakeholders. This is how Jaime Sáenz de Tejada, Global Head of Finance at BBVA, summarized the bank’s position at the 26th Financial Sector Summit (XXVI Encuentro del Sector Financiero), organized by Deloitte in Madrid. “Our business model is creating more value for customers and shareholders,” he said.


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Keith Devlin is one of the world’s greatest advocates for mathematics. The British Mathematician  insists that maths in the 21st century depends on creativity. Devlin is the author of more than 30 popular science books; a university professor, as well as the co-founder and director of H-STAR, the Human-Sciences and Technologies Advanced Research Institute at Stanford University. His research focuses on the use of different methods for teaching mathematics to the general public.

08 May 2019

The green bond BBVA issued in May 2018 has helped reduce CO2 emissions by 274,609 tons since its launch in May 2018, with another 106,529 tons estimated for 2019. It also generated 558 GWh/year of renewable energy. The bank has allocated one billion euros obtained from wholesale markets to finance renewable energy and sustainable transportation projects, according to the first bond monitoring report the BBVA Group recently published.

07 May 2019

BBVA signed the so-called New Deal for Europe based on the United Nations Sustainable Development Goals (SDGs) – a letter CSR Europe presented today in Brussels. The letter aims to alert and involve companies, politicians and civil society about the need to join forces for a sustainable future. The heads of 100 large corporations subscribed to this declaration in the lead up to the European elections. BBVA is the only Spanish bank to join this initiative.

Garanti Bank provides its SME clients a dedicated in-branch customer relationship manager who support clients in their banking needs. Now, these clients have access to a new service: Central Customer Service (Merkezi Müşteri Hizmetleri, or MHT). This new structure aims to provide clients a faster response to queries and transactions when the volume of requests is high

03 May 2019


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Should children, to grow up healthy, do dangerous things? According to Gever Tulley, founder of Brightworks School and Tinkering School, two educational initiatives based on learning through experimentation, controlled risk can be a powerful educational tool. This educator firmly believes that education needs to free itself from parental over-protection. “We need brave boys and girls, who are prepared to confront the challenges of the world to come.” The message for fearful parents is clear: “Don’t let your fear be the only thing that interferes with your child’s autonomy.”

30 Apr 2019

29 Apr 2019

Between January and March 2019, the BBVA Group earned €1.16 billion, down 9.8 percent compared to the same period a year earlier and up 16.2 percent from the previous quarter, at current exchange rates. Excluding BBVA Chile’s Q1-18 earnings from the comparison (the unit was sold in July 2018), the result was 7.7 percent lower (-6.0 percent in constant euros) versus a year ago.

Transformation: BBVA continued to make progress in its transformation, with a clear impact on growth of its customer base, productivity, efficiency and customer experience. Digital unit sales now account for 57 percent of the total and over half of the customers use digital channels to interact with the bank

Efficiency: Positive top-line trends in the P&L account, together with an ongoing focus on cost reduction, led to double-digit growth in operating income compared to the first quarter 2018 in constant euros, and an improvement in the efficiency ratio, which dropped 118 basis points since December, to 48.1 percent

Risk management: The NPL ratio remained at 3.9 percent, while the coverage ratio improved to 74 percent. The cost of risk stood at 1.06 percent

Capital adequacy: The fully-loaded CET1 capital ratio closed the quarter at 11.35 percent, inching closer to the target of 11.5 to 12 percent, fully absorbing IFRS 16 impact
Profitability: BBVA continued to be a leader in profitability, with ROE standing at 9.9 percent, and ROTE at 11.9 percent, well above the average of its European peers

Value creation for the shareholder: The tangible book value plus dividends per share rose 11 percent from a year earlier

Board of Directors: At its meeting today, the Board also approved a series of agreements related to appointments and its committees

24 Apr 2019

BBVA will become the Group’s name globally. The bank will discontinue the local names in Argentina (Francés), Mexico (Bancomer), Peru (Continental), and the United States (Compass) in the coming months. Garanti, the Group’s franchise in Turkey, will change its name to Garanti BBVA.

23 Apr 2019

Numerous activities were arranged at BBVA’s headquarters in Madrid in celebration of World Book Day, observed internationally on April 23. The purpose was to underscore the important role literature, specifically books, plays in culture and education.

22 Apr 2019

17 Apr 2019

Forbes magazine has included BBVA as one of the ‘Blockchain 50,’ a list that recognizes the leaders in the use and development of this exponential technology. The U.S. publication specifically focused on BBVA’s efforts in the area of blockchain-powered syndicated loans, which are used by the bank to further transparency, security, and efficiency throughout its business processes.

Garanti Bank once again hosted women entrepreneurs from a range of different sectors for a meeting in Samsun. Organized in collaboration with the Women’s Entrepreneurs Association of Turkey (KAGİDER), the purpose of the 2019 Women Entrepreneurs Meeting is to help open new markets and provide women entrepreneurs the knowledge they need to further develop their businesses. The meeting in Samsun was the first of a series of similar events planned for cities around the country.

16 Apr 2019

The BBVA Foundation has recognized the U.S. linguist with the Frontiers of Knowledge Award in the Humanities and Social Sciences Category, a new category included in this year’s edition for the first time ever. Chomsky’s research opened up new paths in multiple fields of humanities, especially in the study of the human mind and the cognitive systems that comprise it.

12 Apr 2019

11 Apr 2019

09 Apr 2019

At an event organized by the Massachusetts Institute of Technology (MIT) in Boston, BBVA’s Group executive chairman presented Openmind’s new book, ‘Towards a New Enlightenment? A Transcendent Decade‘. Carlos Torres Vila and two contributing authors, Joanna Bryson and Sandy Pentland, discussed the implications of big data and artificial intelligence in the current technological context and its role in the so-called fourth industrial revolution.

04 Apr 2019

Ebru Dildar Edin, Garanti Bank’s Executive Vice President of CIB, was recently re-elected President of Turkey’s Business Council for Sustainable Development (BCSD). The general assembly of the organization voted in favor of Edin continuing in her role as BCSD President – a position she accepted one year ago. BCSD Turkey is a key member of the World Business Council for Sustainable Development network and has spearheaded sustainability initiatives in Turkey’s public and private sectors for the past 15 years.

03 Apr 2019

BBVA secured €11.8 billion in sustainable financing in 2018, the first year of Pledge 2025, the bank’s initiative to combat climate change. This figure includes transactions in green financing (69 percent of the total), sustainable infrastructure and agribusiness (13 percent), and social entrepreneurism and financial inclusion (18 percent).

BBVA secured €11.8 billion in sustainable financing in 2018, the first year of Pledge 2025, the bank’s initiative to combat climate change. This figure includes transactions in green financing (69 percent of the total), sustainable infrastructure and agribusiness (13 percent), and social entrepreneurism and financial inclusion (18 percent).

02 Apr 2019

On March 27 at the CDP Climate Change Conference, CDP, the world’s largest environmental reporting platform announced the 2018 results for Turkey’s Climate Change and Water programs. Garanti Bank sponsored the conference where, as in previous years, it assumed its place among other Turkish CDP leaders receiving their awards.

29 Mar 2019

Garanti continues to bring innovative solutions to the Turkish banking sector with SWIFT GPI, a new standard that provides significant improvements to the handling of international payments. Foreign currency transactions made to both domestic and foreign banks via Garanti Bank can now be easily tracked with SWIFT’s ‘Tracking Report’ feature, which has been integrated into Garanti Online Banking.

28 Mar 2019

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) filed on March 28, 2019 with the Securities and Exchange Commission BBVA’s Annual Report on Form 20-F for the year ended December 31, 2018.

The Annual Report can be found on Investor Relations BBVA’s website  in the section dedicated to Financial Information 2018.

BBVA and Jordi Roca, pastry chef at El Celler de Can Roca, have together launched the project ‘El sentido del cacao’ (The Sense of Cocoa), an initiative that aims to raise awareness of the series of conditions affecting the sense of taste and which affect up to 17% of the world’s population. This project comes in light of a pioneering investigation based on neuroscience and sensorial management supported by, among other institutions, the Hospital Clínico San Carlos in Madrid and IOB Institute of Oncology.

27 Mar 2019

A group of 12 leading regional and digital financial institutions have joined together as investors and members in KY3P®, a company dedicated to working with the financial industry to standardize best practices for managing third-party risk and optimizing the processes by which financial institutions assess and monitor inherent risk in engaging suppliers and entering into third-party relationships.

BBVA and Telefónica have signed a strategic agreement that designates the operator as the single telecommunications service provider for the bank and its employees in Spain. The alliance will allow BBVA to optimize its communications systems, increase the capacity of its technology network, and extend its adoption of cloud computing, providing a distinctive advantage to the business’ needs.

The BBVA Foundation recognized Claudia Goldin with the Frontiers of Knowledge Award in the Economics, Finance and Management category for her contributions to the historical analysis of women’s role in the economy. The Harvard Professor’s research helped to shed light on the factors behind the gender gap. The award committee underscored her role as the founder of the field of empirical analysis of the gender gap, and a pioneer in her methods.

26 Mar 2019

Designers around the world working for the BBVA Group now have a pioneering new tool at their disposal. The platform allows designers to reuse parts in order to create homogenous digital banking experiences across all of the countries where the bank has a presence. BBVA, with presence in 30 countries, is the first bank to launch a platform like this on such an international scale and in multiple continents.

CSR Europe and PWC have recognized BBVA for its transparency and best practices in tax issues. At an event in Brussels, this European corporate social responsibility network and the global consulting firm presented a report on the best corporate practices for tax matters. In a world where companies are expected to have a sustainable business in every respect, BBVA was one of the large global companies to present its best practices at the event.

22 Mar 2019

The exhibition “Thing Indescribable” by Jenny Holzer will be open to the public until September 9th. Sponsored by the BBVA Foundation, the exhibition consists of a wide range of artwork created specifically for the Guggenheim Museum in Bilbao. BBVA Foundation Director Rafael Pardo, Guggenheim Museum Bilbao Director Juan Ignacio Vidarte, the artist Jenny Holzer and curator Petra Joos attended the opening event.

21 Mar 2019

20 Mar 2019

Global Finance magazine named BBVA the best bank in Latin America, and the best bank in Peru in 2019. According to the publication, over the past year BBVA has stood out for numerous factors, including its customer service, risk management, the range of products and services it offers and the intelligent use of technology.

19 Mar 2019

18 Mar 2019

When it comes to designing customer interaction with online services – whether from a GPS navigator or through a mobile banking app – it is more and more common to design automated features that anticipate customer issues.

15 Mar 2019

At his first Annual General Meeting (AGM) as Group executive chairman of BBVA, Carlos Torres Vila was re-elected as a Board member with more than 98 percent of the votes, according to the definitive data of the votation. The shareholders meeting in Bilbao today also supported the appointment of Onur Genç as a Board member of the BBVA Group with 99 percent of the votes. A large number of institutional and minority shareholders participated in the voting, with a quorum over 64 percent.

Carlos Torres Vila, Group executive chairman

  • Impact on society: “The future of banking lies in financing the future. At BBVA we want to define the new way of banking that the communities we serve are calling for and need”
  • Transformation: “In 2018 we reached a pivotal milestone: to surpass the threshold of 50 percent digital customers”
  • Dividend: “The strong results allow us to increase the dividend. At this Annual General Meeting, BBVA is proposing a complementary dividend of €0.16 per share, to be paid in April this year.” The total dividend for the year amounts to €0.26 per share, a 37 percent payout of the bank’s profit

Onur Genç, Chief executive officer

  • Digitization: “We began our transformation ahead of the curve, and we are already reaping the benefits of this foresight”

14 Mar 2019

BBVA has released its updated financing policy addressing sectors that have a serious environmental or social impact. The main change to the policy is the inclusion of more limits and a tightening of restrictions for the mining, energy, infrastructure, and agribusiness sectors. In addition, the updated policy provides clear guidance on the management of clients and business activities related to these industries. The transportation of tar sands has been explicitly added to list of prohibited activities.

13 Mar 2019

Garanti Bank recently published its 2018 Integrated Annual Report with an important new feature. The report includes a “True Stories” theme this year: real stories about the experiences Garanti employees have had with customers across Turkey, in their own words. Garanti is the first and only bank in Turkey to publish an integrated annual report that includes information on the value the bank creates for customers.

According to the World Economic Forum, 65 percent of children who enroll in primary school today will have jobs that don’t currently exist. This is why on January 25, twenty large corporations announced their commitment to team up through 2022 with the goal of helping young people develop the skills that will make them more employable.  BBVA is among the companies that have signed up to this cause, committing to reach 500,000 young people with its various training programs. The initiative is the Global Alliance for YOUth. Lidia del Pozo, BBVA’s Director of Community Investment Programs, delves into some of the key aspects of this initiative.

12 Mar 2019

The National Association of Women Business Owners reports 11.6 million women-owned firms in the United States. Access to banking solutions, ranging from small business loans to venture capital and digital applications, has been critical in fueling that growth.

08 Mar 2019

Onur Genç this week visited three of BBVA’s units in South America, in his capacity as BBVA Group CEO. His first stop was Bogotá, where he held a series of meetings with the teams of  BBVA in Colombia, which is led by Country Manager, Óscar Cabrera. The CEO stressed the franchise’s continued market share growth, with a 2 percent increase in seven years, to 10.25 percent. “A bank is only as good as its people. Congratulations on your achievements,” he said.


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International Women’s Day is celebrated every year on March 8th. For this reason, in this video and under the hashtag #BBVASomosTodas, different women working at BBVA talk about women’s role in society. Their testimony is proof of just how much women have accomplished, but should also make us reflect on the issues that still need to be addressed in order to come up with possible solutions. They all agree that women still have a long way to go, and will face both opportunities and challenges along the way.

07 Mar 2019

05 Mar 2019

The BBVA Foundation presented physicists Charles Kane and Eugene Mele the Frontiers of Knowledge Award  in the Basic Sciences category for discovering materials that act as both insulators and conductors at the same time. The so-called topological insulators are a new kind of material with extraordinary electronic properties that will open new scientific avenues. They could serve to develop faster, more efficient electronic devices and even advance the advent of quantum computers.

04 Mar 2019

In its most recent issue, The Fintech Magazine examines some of BBVA’s most recent technology advances, such as payments powered by facial recognition and the use of artificial intelligence in its mobile banking application.  The magazine also outlines the core of the bank’s digital strategy and describes how BBVA is taking steps to fulfill its vision of automated banking in the future.

01 Mar 2019

The heart of the scrum work methodology is the sprint. The sprint is a miniproject nomore than one month (very short execution cycles – from one to four weeks), aimed atincreasing in value in the product we are building. All sprints have a definition andplanning that will help achieve the goals set.

27 Feb 2019

On February 25th, BBVA’s Open Space auditorium in Madrid was transformed into a meeting space with the best of the BBVA Momentum ecosystem. The global event completes the 2018 edition of BBVA Momentum, which united the year’s most promising entrepreneurs from Colombia, the U.S., Mexico and Turkey. The entrepreneurs presented their projects and growth plans, and sector experts discussed current issues in the social investment field.

26 Feb 2019

The European Commission (EC) is convening institutions, businesses, and regulators today and tomorrow in BBVA’s headquarters in Madrid with the aim of promoting security and privacy measures that will stimulate greater use of cloud services and the free flow of data in Europe’s digital single market (DSM). BBVA is hosting the event and is an active member of the EC working group, which is seeking to standardize security certification for cloud providers and establish a code of conduct that will facilitate data portability and the ability to switch providers.

25 Feb 2019

21 Feb 2019


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Michael Sandel is the Professor of Government at Harvard University and one of the most highly regarded and well-known philosophers in the world, his classes at Harvard are wildly popular and always fully packed. Last October he received the 2018 Princess of Asturias Award for Social Sciences because, according to the jury, he has “managed to transmit his dialogic, deliberative approach to debate to a global audience.” Sandel believes that faith in debate has been lost, which is one of the reasons why public discourse in democratic societies worldwide seems so empty. He explains: “We are afraid to talk with our co-citizens about big questions such as justice, what it means to be a citizen, and the common good because we are afraid we won’t agree,”.

BBVA has been internationally recognized in the third annual Digital Talent Awards, presented by Accenture and the daily business newspaper El Economista, in collaboration with Spain’s Human Resources group. The bank has earned the award because of its adaptability in the digital age, as demonstrated by its cultural change, leadership style, and most importantly its transition to an agile approach to work.

20 Feb 2019

19 Feb 2019

The BBVA Foundation has recognized the computer engineer Ivan Sutherland with the Frontiers of Knowledge Award in the category of Information and Communication Technologies. Over the course of his 60-year career, the American computer scientist has led the transition from text-based to graphical computer displays. He pioneered the use of graphical icons and virtual reality, and anyone who uses a computer or smartphone today benefits from the output of his research.

When a company is about to embark on an important project, one of the first decisions it needs to make is which model is the most appropriate to manage the project. In other words: which project or development methodology is most suitable? The two most commonly used approaches are: agile and waterfall.

18 Feb 2019


BBVA regrets the inconveniences caused by the freezing of some customer accounts in Spain, which was undertaken in compliance with Anti-Money Laundering laws.  This legislation requires that banks assume obligations related to the knowledge, monitoring, and control of their customers and their banking activities with the aim of preventing money laundering in the financial system. BBVA has taken the necessary measures to streamline the documentation process and restore the affected accounts to normal activity, once the documentation required by law is in place.

15 Feb 2019

14 Feb 2019

BBVA has issued a €750 million 10-year Tier-2 subordinated bond.  A high demand of €4.25 billion – with 260 orders – exceeded by more than five times the bond value, making it possible to reduce the mid swap price +245 basis points, 30 basis points below the initial price. The order book closed in only three hours. The issue achieved the lowest ‘spread’ of a subordinated issue for BBVA since 2007.

13 Feb 2019

12 Feb 2019

Over 1,800 participants from the banking industry, governmental authorities, and civil society gathered in Brussels on February 5-6, to take part in what has become the leading forum discussing the future of the European Union’s industry. EU Industry Days 2019, organized by the European Commission, devoted a substantial share of time to social investment and sustainable financing, something that has become an obligation for financial institutions today, according to Antoni Ballabriga, Global Head of Responsible Business, BBVA, who participated in one of the panels.

11 Feb 2019

BBVA CEO Onur Genç continues his tour across the Group’s operating countries. After his visit to Spain and Mexico, last week he found himself in Turkey. During his visit to Garanti Bank, Genç was able to witness  firsthand the digital transformation progress that has been made by one of the bank’s leading digitization franchises, led by Fuat Erbil.

07 Feb 2019

06 Feb 2019

Gretchen Daily and Georgina Mace have been recognized with the BBVA Foundation Frontiers of Knowledge Award in the category of Ecology and Conservation Biology for their visionary work combating the loss of species. They have developed tools that are invaluable for quantifying “nature’s value” thus facilitating science-based policies in support of the conservation of species. The jury panel commended not only their efforts in identifying the problem, but also their involvement in finding solutions.


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Ranga Yogeshwar is one of the most popular scientists in Germany, a board member of several research institutions and founder of several scientific initiatives. He is a frequent star on German television and radio, where he has hosted numerous shows and debates. In his most recent book called “Next Exit: The Future” he analyzes how science and technology will transform our lives. Ranga Yogeshwar travels the world giving lectures on the challenges posed by innovations and how they are changing societies.

05 Feb 2019

04 Feb 2019

01 Feb 2019

Carlos Torres Vila presented BBVA’s 2018 earnings in his first press conference as chairman of the bank. He stressed that the “positive results” were sustained by recurring revenues, cost containment efforts and the strength of the Group’s diversified business model. During the presentation, he also addressed the news published in some media outlets regarding services provided by Grupo Cenyt. The chairman made appeals not to “prejudge” the alleged news and to let the BBVA investigation “do its job”, which will be conducted with “rigor, diligence, and thoroughness” in order to shed light on the facts. In addition, he made assurances that “BBVA has been, is, and will continue to be an honest bank”

Garanti Bank released its earnings for 2018. Based on its consolidated financials, Garanti’s assets were valued at slightly more than TL 399 billion, and its contribution to the economy through performing cash and non-cash loans totaled just over TL 311 billion. The bank achieved an ROAE (Return on Average Equity) of 15.0 percent and a ROAA (Return on Average Assets) of 1.7 percent.

BBVA Compass Bancshares, Inc., a Sunbelt-based bank holding company (BBVA Compass), reported today net income of $196 million for the fourth quarter of 2018, a 276 percent increase from the $52 million earned during the fourth quarter of 2017. Included in fourth quarter 2017 results is income tax expense of approximately $121 million related to the revaluation of net deferred tax assets at the lower statutory tax rate mandated by the Tax Cuts and Jobs Act (non-cash charge). Excluding the impact of this item, the year-over-year increase in net income for the fourth quarter of 2018 compared to adjusted net income* of $173 million for the fourth quarter of 2017 was 13 percent.

  • Transformation: More than half of BBVA customers are digital, meeting the target set for 2018
  • Income: Operating income grew 6.2 percent at constant exchange rates, thanks to the increase in recurring revenues and cost discipline
  • Risks: BBVA showed strength in risk indicators, with an NPL ratio declining to 3.9 percent, and a coverage ratio of 73 percent
  • Solvency: At the end of December, the fully-loaded CET1 ratio stood at 11.3 percent
  • Shareholder value creation: The tangible book value per share plus dividends grew 10.1 percent in 2018, while the ROE increased to 11.6 percent
  • Dividend: A cash payment in a gross amount of €0.16 per share, to be paid in April as final dividend for 2018, is expected to be proposed for the consideration of the competent governing bodies


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Tony Wagner is one of the most renowned experts working in education around the world. A high school teacher in the U.S. for more than a decade, he currently works at the Harvard Innovation Lab. For years he has advocated for a new approach to education. In fact, he is on the board of several educational institutions and public organizations. Wagner contends that the current educational model needs to change so that young people can build an assured future focused around what they want and what jobs are likely to exist. He argues that the role of schools needs to be reexamined, given that knowledge is now found everywhere, not just in the classroom, and consequently, educational roles are changing.

31 Jan 2019

30 Jan 2019


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Dr. Elizabeth Kilbey is a leading clinical psychologist and collaborates as child psychologist with British Channel 4’s “The Secret Life of 4, 5 and 6 Year Olds,” an educational TV research experiment that glimpses into how children behave when grown-ups are not around. She is the author of “Unplugged Parenting,” a book that has helped hundreds of parents address key issues during the early years of their children’s development, especially related to the time they spend in front of screens. In her book, Kilbey offers tangible, practical advice to parents about how to unplug their children from devices so their online time doesn’t become a problem.

29 Jan 2019

BBVA CEO Onur Genç, is still embarked on his tour across the different geographies in which the BBVA Group operates. After Spain, his next stop was Mexico, where he met with the BBVA Bancomer team, led by Eduardo Osuna.

Over the course of the work sessions, Onur Genç had the opportunity to learn first-hand about the business plans of BBVA’s Mexican franchise and discussed the countless milestones achieved by the bank in its transformation journey, with an ever increasing portfolio of digital products and services for private customers, corporates and public administrations. “What you have achieved as a team in Mexico is simply marvelous. In all metrics, BBVA Bancomer’s has done a wonderful job. You’re leading the way towards transformation,” he said.

28 Jan 2019

25 Jan 2019

Between 2016 and 2022, BBVA will reach a milestone of supporting almost half a million young people gain access to the job market, primarily though its worldwide entrepreneur programs. The bank, together with 20 other large global companies at the World Economic Forum in Davos, launched Global Alliance for YOUth, an initiative representing a collective effort to provide young people with the knowledge and skills they need for the jobs that society calls for. To this end, the project aims to help six million young people improve their skills so they can take part in the new working environments.

24 Jan 2019

Spain was the first stop in the tour BBVA’s new CEO is taking across the different markets where the Group operates.

Onur Genç met with those in charge of BBVA Spain, as well as the different multidisciplinary teams working on the development of next-generation digital products and services. “I was able to see first hand the commitment and dedication of the entire BBVA team in Spain. They are pioneers in many of the projects the Group launches,” he said.

23 Jan 2019


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Marcus du Sautoy is a writer, television host and mathematics professor at the University of Oxford. He is best known for hosting the BBC documentary “The Code”, which explains basic concepts regarding the historical use and meaning of numbers. He says: “Some scientists want to discover a theory for everything, while I look at it from a different perspective, from another place: articulating some limits, establishing some questions that science was never able to answer.”

22 Jan 2019

18 Jan 2019


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For 30 years, Duncan Wardle worked for one of the most creative companies in the world: Walt Disney. It is his opinion that everyone is born creative. The problem is, at some point, someone told us that we are not. And we believed them. Wardle insists on the importance of re-connecting with the child we once were, and recovering creativity in all areas of life. “When we are trying to create great ideas, we have to play,” he says.

17 Jan 2019


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Daniel J. Siegel is a medical doctor, professor of clinical psychiatry at the University of California School of Medicine in Los Angeles, co-director of the UCLA Mindful Awareness Research Center and executive director of the Mindsight Institute. With a positive vision, Siegel argues that adolescence is a very special time, emotions are sparked, social connections made, and searches start for what’s new and creative essence: “Adolescents have passion, a feeling that everything matters. They have a deep capacity for collaboration between themselves, and the strength to try new things,” he says.

16 Jan 2019


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Barbara Oakley is an engineering professor at Oakland University in Rochester and is a Ramón y Cajal Distinguished Scholar in Global Digital Learning at McMaster University. She is director of the course ‘Learning to learn’ offered by Coursera, the largest online course in the world. Oakley is one of the international pioneers in the area of neuroeducation and winner of numerous teaching awards, such as the Chester F. Carlson Award from the American Society for Engineering Education. Oakley invites us to leave our comfort zone in order to develop new skills and work flexibly: “A quality that will help us to adapt to an ever-changing world,” she says.

15 Jan 2019


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Chris Hadfield was the first Canadian astronaut to live aboard the International Space Station, spending almost 4,000 hours in space. Hadfield is one of the most experienced and accomplished astronauts in the world; he was responsible for the shuttle´s communications during 25 launches, was NASA’s director of operations, chief of robotics at the Johnson Space Center, and chief of operations for the International Space Station. He also served as commander of the International Space Station where he led a record number of scientific experiments, in addition to becoming one of the most popular astronauts in history taking photos and recording educational videos about life in space, for which he has received much praise. His music video of his gravity-free version of David Bowie’s Space Oddity is his most popular video.

14 Jan 2019

Dear team:

I am writing to you in relation to the recent pieces of news that are affecting us so much. Everyone at BBVA is shocked by the information reported which started on January 9. These pieces of news link BBVA to the monitoring or interception of private communications. If true, it would be undoubtedly extremely serious, deplorable behavior, radically opposed to what we are and what we stand for, and, ultimately, to the values ​​of BBVA that move us every day.


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This educator, writer and communicator, is a world leader in pedagogy. Robinson believes a profound transformation of the current education system is needed and maintains that the role of teachers is decisive. He argues that “It’s difficult to overstate the importance of teachers in your life” and adds: “It is a multi-faceted profession, one of the most demanding jobs a person can have.” As opposed to examinations and subject hierarchies, he defends creativity as one of the most important skills that schools should nurture: “It’s the essence of what it means to be human.” he states.

11 Jan 2019

BBVA has developed a sustainable transactional product framework linked to the UN Sustainable Development Goals (SGD), for qualifying its clients’ transactional banking operations as green, social or sustainable. This industry-first methodology has been reviewed by and obtained a favorable opinion from sustainability ratings agency Vigeo Eiris, and is making its market debut with a transaction by Siemens Gamesa Renewable Energy, a BBVA strategic client.


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Considered to be one of the most influential psychologists of recent times, Daniel Goleman burst onto the international scene as the best-selling author of ‘Emotional Intelligence’. Goleman maintains that we should teach our children how to practice and develop emotional intelligence. The psychologist stresses the fundamental importance that our ability to focus our attention plays in today’s world, either as a way to practice self-control, to improve our ability to empathize with others, or better understand the world around us, and so there are benefits to training it: “Attention is like a muscle. if we don’t use it, it gets weak: if we exercise it, it gets strong.” he declares.

10 Jan 2019

With regards to media reports related to Grupo Cenyt, which if found to be true would be extremely serious, BBVA informs that in June 2018 it opened an investigation into the hiring and services rendered by this company. It also commissioned an external law firm to proceed with an independent review of all facts and available documents. Both actions are currently underway.

Should any irregularities be detected during these reviews, BBVA will adopt the pertinent internal measures and take the appropriate legal actions and, as always, will fully cooperate with law authorities.

Several initiatives were launched in 2018 that will lead to new legislative developments – primarily related to the implementation of the Basel framework and the completion of two major European projects: the Banking Union and  the Capital Markets Union. These are some of the regulatory trends for 2019 that BBVA Research principal economist María Victoria Santillana explores in an op-ed published in the newspaper, Expansión.


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Considered to be one of the most influential female scientists of the twentieth century, Jane Goodall’s eyes shine when she shares her stories from days past; today they have become life lessons about science and education: “Be curious and make mistakes, be patient and don’t give up.” this extraordinary woman reiterates. Doctor Goodall’s research revolutionized the scientific community and fascinated the entire world with her National Geographic documentaries. Her perseverance, intuition, empathy, and skill at making observations, not only allowed her to discover the unknown world of the chimpanzees and other species, but has also encouraged us to reflect on ourselves and to promote a more sustainable lifestyle and a more just society.

09 Jan 2019

The BBVA Foundation Frontiers of Knowledge Award in the Climate Change category has gone in this eleventh edition to Anny Cazenave (France), John Church (Australia) and Jonathan Gregory (UK), for their research into the response of sea level to climate change. Narrowing down the causes, integrating satellite observations and innovations applied in numerical modeling have contributed to discovering that the pace at which this rise is taking place is increasing.


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A neurologist and a mother: that’s how Frances Jensen, one of the most respected international researchers of the adolescent brain, defines herself. She is chair of the Neurology Department at the University of Pennsylvania. In her latest work ‘The Teenage Brain’. “Teenagers are learning machines,” states this neurologist, although she qualifies that “they learn both the good and the bad equally well.” From her privileged position as a scientist, teacher, and mother, Jensen explores and dispels myths about adolescence and provides practical advice on how to get through this complex stage of life.

08 Jan 2019

Garanti Bank is expanding its unique range of innovative products and services with the rollout of Garanti Stories, a new feature embedded in the Garanti Cep app. Garanti Stories offers services that go beyond traditional banking while fulfilling customers’ basic needs and expectations, delivering an experience similar to the stories on popular social media platforms such as Snapchat and Instagram.


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Adam Alter is a psychologist and professor in the Psychology Department at New York University, and a regular contributor to prestigious media like The New York Times, The New Yorker, The Washington Post, Wired, and Popular Science. Alter is the author of the U.S. best-selling book., ‘Irresistible’, where he describes behavior that is harmful and addictive for our children and uses examples that will resonate with many. “If they always find the answer using a screen, children won’t learn to self-regulate.” Interaction with technology when children are present is the best example, which is why he warns, “children are interested in whatever their parents are paying attention to.”

04 Jan 2019


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Professor of psychology at Stanford University, Carol Dweck is one of the leading researchers and international innovators in education due to her ground-breaking ideas about mindset, motivation, and development. Dweck created the concepts of fixed mindset, people who believe that intelligence is innate and unchangeable; and the growth mindset, those who believe that their skills can improve with training and effort. Through her research, she has concluded that parents, teachers, and educators can help promote the growth mindset. Limiting feedback about a child’s intelligence to praise can have a negative impact and encourage a fixed mindset.

03 Jan 2019


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Tim Elmore is a popular American writer, trainer, and expert on the millennial generation. He is the founder of Growing Leaders, a non-profit organization whose mission is to provide real life leadership skills to students. He is the author of books such as ‘Generation iY: Secrets to Connecting with Today’s Teens & Young Adults in the Digital Age’ and ‘12 Huge Mistakes Parents Can Avoid: Leading Your Kids to Succeed in Life’. In his work ‘Nurturing the Leader Within Your Child’ he is critical of overprotective parenting and excessive parental control, which can be summarized by one of the most well-known phrases in his book: “We must prepare children for the path, instead of the path for children.”

02 Jan 2019


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A doctor in physics and professor of educational technology at the University of Newcastle (United Kingdom), Sugata Mitra became world famous when TED, the organization that promotes technology, education and design, chose his talk as the most inspiring and with the greatest potential for change in 2013. He is also known for his “Hole in the Wall” experiment, which inspired the novel that later became the movie ‘Slumdog Millionaire.’ Today, his educational proposal, SOLE (Self-Organized Learning Environments), has experiences in schools of over 50 countries.

31 Dec 2018


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A doctor in psychology and philosophy, Tal Ben-Shahar currently holds the record for the largest enrollment in an undergraduate course at Harvard University: over 1400 students per semester. His Positive Psychology course quickly earned professor Tal Ben-Shahar his “Happyness Professor” nickname among students. His theories, which draw on science to propose methods to live life with enthusiasm and happiness, have resonated far beyond his classrooms, and his books have become global bestsellers. Can one learn how to be happy? Ben-Shahar’s answer is that “yes, we can change our levels of happiness,” but he doesn’t stop just there and argues that we should teach children how to be happy at schools.

Onur Genç represents BBVA’s global nature almost better than anyone else: a Turkish national working for a Spanish bank with global operations and aspirations. Having lived in 5 different countries, and having worked for BBVA in Turkey and the United States, Spain will become his new home next year, when he’s set to take over as BBVA Group’s CEO.

Carlos Torres Vila is, first and foremost, a great strategist. He’s capable of looking at any issue, delving into it until he unravels its complexity and understands all the details. He can then translate his insights into something that’s easy to understand. Once he’s made up his mind, he makes a decision and concentrates on executing on his idea. He fully relies on his teams: He makes sure that everyone who is seated at the table – regardless of seniority, responsibility or age – takes part in the conversation. He encourages everyone to share their opinions, and he values bright ideas.

Francisco González is a self-made man obsessed with two things: technology and ethics/values. His greatest passion is playing golf. He likes to speak frankly, with “frankly” being one of the words he uses most commonly because he “greatly appreciates the courage of those who speak their mind.” He’s proud of the independence that has defined his managerial style – “you can either keep your distance, or you can steer your company into a series of commitments that have nothing to do with the interests of the shareholders,  the customers, the employees or the company at large”, he has said on occasion.

28 Dec 2018


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Dutch therapist and writer Eline Snel is Europe’s leading voice in mindfulness applied to education. Snel method’s, also known as the “frog” method due to its focus on attention and breathing taking cues from amphibian behavior, is applied in primary and secondary schools in countries such as France, Germany, Singapore and also Spain. According to Snel, although mindfulness, “is not a magic wand”, teaching it at schools is beneficial for children and teachers, one of the most demanded professionals in the world, she explains.

27 Dec 2018


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He is better known as the founder of the world’s most important collaborative projects: Wikipedia. His contribution to the promotion and dissemination of human knowledge has been recognized on many occasions including a Princesa de Asturias Award for international cooperation in 2015. Jimmy Wales is passionate about education, especially about the possibilities that informal learning currently opens up for people’s education. Named the sixth most influential person in the world, Wales believes that, thanks to technology, learning is no longer restricted to schools and colleges, and that we all the need to keep learning throughout our lives.

26 Dec 2018

BBVA has signed an agreement to transfer a credit portfolio, which is composed by mortgages credits (mainly non-performing and in default), with an aggregate balance amounting to approximately €1.49 billion to Canada Pension Plan Investment Board (CPPIB). The transaction is part of BBVA’s strategy to reduce to the fullest its exposure to real estate risks in Spain.

24 Dec 2018


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A distinguished professor at the University of Massachusetts and holder of a PhD in Philosophy, Robert Swartz is considered one of the most influential voices in education. Head of the Center for Teaching Thinking (CTT), Swartz is the creator of the Thought-Based Learning method (TBL), that teaches students to make decisions through critical thought and to think creatively and autonomously. For Swartz, thinking and reasoning properly is a social function, which is why it is so important that, at schools, students develop, share ideas, and learn by working together.

21 Dec 2018

20 Dec 2018

The Board of Directors of BBVA today approved the appointments of Carlos Torres Vila as Group’s executive chairman, and of Onur Genç as CEO. The Board also approved a new organizational structure, thus completing the succession plan that ensures the continuity of BBVA’s transformation strategy, following the departure of Francisco González.

BBVA and the European Investment Bank Group (EIB) have signed a synthetic securitization of €1 billion. The agreement is a very innovative financing operation, as it is the first synthetic securitization to be supported by blockchain technology in the European Union and the third synthetic corporate loan securitisation signed by the EIB Group and BBVA. Moreover, BBVA and EIB Group will provide €360 million to finance investments projects of SMEs and midcaps.


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Matt Goldman is internationally renowned for being one of the three members of the New York theater company Blue Man Group. He explains, “As artists, we had the feeling that culturally, something was missing in schools.” Concerned by the future of society and education, in the year 2006 the Blue Men founded the Blue School in New York. “We realized the many aspects of the Blue Man Group, like social conscience, collaboration and the research approach could fit perfectly in the environment of a different school,” he explains.

19 Dec 2018

BBVA is to initiate a strategic review of options for its automobile financing business in Chile, mainly carried out through Forum Servicios Financieros S.A (Forum). Some of the options being explored include a total or partial sale of Forum, which will not necessarily lead to a sale. BBVA will assess all possible options that contribute to create value for its shareholders.


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It is one thing to think and study about ways to improve education, many people devote their lives to it. But only a few can actually talk from experience. Richard Gerver is one of them. The winner of “Best Head Teacher” in the British National Teaching Awards, Gerver is regarded as one of the most innovative and inspiring educational leaders of our time. He’s been asked to share his vision on education and human potential by many organizations and top-level athletes across the world. He’s written three books “Creating tomorrow’s school today,” “Change,” and “Simple Thinking”. For this PhD in Education, teacher and author, “the key to education is helping children discover what they’re passionate about.”

18 Dec 2018

14 Dec 2018


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For Kiran Bir Sethi, one thing’s clear: If there’s one thing that children should learn at school, that’s how to change the world. How? This Indian educator’s proposal is Design for Change, a movement that fosters children’s creativity and initiative to solve problems in their community, and that currently is present in over 60 countries. Sethi is also a founder of the Riverside schools, and there, she helps little students grow by saying ‘I can!” And of course, to the beat of a Bollywood tune.

The Turkish Women Entrepreneurs Competition recently celebrated its 12th edition. During the ceremony, the first and only one of its kind, the names of the winners of the four award categories – Turkish Woman Entrepreneur of the Year, Turkish Woman Entrepreneur Who Made a Difference in Her Region, Most Promising Turkish Woman Entrepreneur and Turkish Woman Social Entrepreneur of the Year – were announced.

13 Dec 2018

The BBVA Foundation and the Spanish Royal Society of Physics presented their annual awards to promote scientific culture and recognize high quality research, innovation and the work of young physicists. During the ceremony, BBVA Foundation President Francisco González indicated that: “Physics is a science with an ability like none other to shape our vision of the world while transforming our environment through radical technological innovation.” Furthermore, the President of the BBVA Foundation was named a distinguished member of the scientific organization for “his genuine interest in fomenting science in general and physics in particular.”

12 Dec 2018

BBVA Asset Management (BBVA AM) believes that the stock market may be the most profitable asset for the coming year as a whole, but within a volatile market environment. This has been pointed out by Joaquín García Huerga, director of Global Strategy of BBVA Asset Management, in the presentation of the market outlook for 2019. If the economic cycle is not turned around, the stock markets could rise by an average of 10% by adding dividends.

Identification using authentication like digital fingerprints and facial or iris recognition is making inroads in the world of airports where companies are looking for new technologies to enhance the user experience.

10 Dec 2018

07 Dec 2018

Already a leader in housing loans and cards, Garanti Bank became Turkey’s largest private bank in 2018 in all individual product groups by rising to the leading position in individual loans and time deposits. According to the results of the third quarter of the year, Garanti ranked top as the preferred private bank in terms of time deposits after individual loans. The efforts in the retail banking sector have contributed significantly to the successful performance of Garanti Bank in the third quarter.

05 Dec 2018

04 Dec 2018

BBVA joined ING, BNP Paribas, Société Générale and Standard Chartered in a joint commitment to adapt their lending portfolio to the Paris Agreement on Climate Change.  In an open letter to the global leaders and heads of state currently meeting at the 24th session of Conference of Parties to the United Nations Framework Convention on Climate Change (COP24) in Katowice (Poland), these banks committed to finance and design financial services that are needed to support clients as they transition to a low carbon economy.

03 Dec 2018

30 Nov 2018

Stephen Hawking was undoubtedly one of the greatest scientists in history. Steven Brown, an employee of BBVA Engineering Spain, was lucky to attend the renowned physicist’s classes at the University of Cambridge, where he learned about much more than physics.

29 Nov 2018

28 Nov 2018

The Board of Directors of BBVA approved the succession plan for the company’s chief executive officer (CEO). Onur Genç, who is currently the CEO of BBVA Compass and U.S. country manager for BBVA, will replace Carlos Torres Vila as Group CEO. The succession is expected to take place on Dec. 31, 2018.

27 Nov 2018

Atom bank, the UK’s first bank built for mobile and the country’s fastest growing mortgage lender, has agreed a multi-year partnership with leading fintech Thought Machine to put its next generation of personal and business banking products onto Thought Machine’s Vault platform.

Garanti and Bahçeşehir University heighten their collaboration on the ‘Code the Future with Garanti’ project, an initiative that aims to better prepare children for the digital future. This year the project partners have kicked off a new phase that includes new contents as well as teacher training in seven cities across Turkey.

26 Nov 2018

BBVA’s family of podcasts is growing. The Group is launching two new programs this week that will join its collection of audio content. ‘Deep Talks’ is a monthly interview with people who managed to transform their environment. The first person featured in the podcast is BBVA Group Executive Chairman Francisco González. Meanwhile, ‘Data Stories’ aims to explain the world of data and its importance in people’s everyday lives. The podcasts are part of the bank’s commitment to sharing knowledge and content.

23 Nov 2018

22 Nov 2018


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“The Principles for Responsible Banking demonstrate the banking industry’s clear commitment to a sustainable future – the only future that is acceptable and profitable for everyone.” With these words, Christiana Figueres, Convenor of Mission 2020 and former Executive Secretary of the United Nations (UN) Framework Convention on Climate Change, expressed her support for the Principles for Responsible Banking, and called on banks, regulators and stakeholders to join them.

Her Majesty Queen Letizia and BBVA’s Group Executive Chairman Francisco González presented the 10th edition of the Integra Awards at BBVA City (Madrid) this morning. These awards recognizes the accomplishments of organizations that develop workplace integration initiatives for people with disabilities and launch employment generating programs. The five organizations that received this year’s awards are the Juan XXIII Roncalli Foundation, Ilunion Responsible Tourism, the National Confederation of Deaf People, Amimet, and the Mental Health Federation of Castile and León.

The impact of human action on biodiversity is a challez nge that remains unresolved. Numerous scientific studies confirm that these changes are causing the extinction of more and more species – the consequences of which are at least as severe as climate change. The work of civil society organization is essential to combat this phenomenon. This year, the BBVA Foundation once again sought to recognize the work of some of these organizations with its Biodiversity Conservation Awards.

21 Nov 2018

20 Nov 2018


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‘Big data’, ‘IA’, ‘blockchain’, ‘cloud’, biometrics… these are just a few of the new technological developments that are reshaping the financial world in general, and BBVA in particular. BBVA and Cisco’s new Engineer Exchange Program creates the perfect opportunity to exchange talent and new ways of working in this digital environment.

19 Nov 2018

BBVA hosted the forum “Energy Transition Opportunities for the Spanish and European economies.” During the event José Manuel González-Páramo, stressed that “At BBVA we highly appreciate the proposed measures, not only the draft legislation on climate change, but those measures that have been taken by other countries (France, Poland, and Ireland) that give sustainable financing a boost by issuing green bonds.”