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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BBVA's new corporate headquarters in Madrid have become an architectural and sustainability landmark. Architects Jacques Herzog and Pierre de Meuron have designed not only a smart but an environmentally and people friendly city, reflective of the financial group’s global digital transformation strategy.

The 7 interconnected low-rise units that integrate Ciudad BBVA gravitate around the 100-meter diameter plaza presided over by La Vela: a 93 meter high-rise that has already claimed a spot in Madrid’s skyline.

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.