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        <title>Code of conduct - NEWS BBVA</title>
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        <link>https://www.bbva.com/en/</link>
        <description>NEWS BBVA</description>
        <lastBuildDate>Thu, 09 Apr 2026 08:56:58 +0200</lastBuildDate>
        <language>en-US</language>
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                                <item>
                    <title>Eduardo Arbizu: “Digitization offers significant opportunities for compliance”</title>
                    <link>https://www.bbva.com/en/innovation/eduardo-arbizu-digitization-offers-significant-opportunities-compliance/</link>
                    <pubDate>Wed, 19 Apr 2017 14:47:41 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Code of conduct]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate governance]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate policy]]>
                            </category>
                                                    <category>
                                <![CDATA[Ethical Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Technology]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=326923</guid>
                                            <description>
                            <![CDATA[BBVA’s Head of Legal &amp; Compliance Eduardo Arbizu, said this Wednesday that “in the field of compliance, digitization offers very significant opportunities”. He highlighted the <strong>importance of an organization’s culture in minimizing conduct risk</strong>, indicating that it “really is what makes a difference.”]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA’s Head of Legal &amp; Compliance Eduardo Arbizu, said this Wednesday that “in the field of compliance, digitization offers very significant opportunities”. He highlighted the <strong>importance of an organization’s culture in minimizing conduct risk</strong>, indicating that it “really is what makes a difference.”]]>
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                                <item>
                    <title>Carlos Torres Vila: “Our aim is to develop a banking model that makes a bigger difference in our customers’ lives”</title>
                    <link>https://www.bbva.com/en/economy-and-finance/carlos-torres-vila-our-aim-is-to-develop-a-banking-model-that-makes-a-bigger-difference-in-our-customers-lives/</link>
                    <pubDate>Fri, 29 Apr 2016 09:16:49 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Balance sheet]]>
                            </category>
                                                    <category>
                                <![CDATA[Carlos Torres Vila]]>
                            </category>
                                                    <category>
                                <![CDATA[Code of conduct]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate information]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate reputation]]>
                            </category>
                                                    <category>
                                <![CDATA[Earnings]]>
                            </category>
                                                    <category>
                                <![CDATA[Ethical Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Events]]>
                            </category>
                                                    <category>
                                <![CDATA[Responsible banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Responsible Business Plan]]>
                            </category>
                                                    <category>
                                <![CDATA[Sustainability]]>
                            </category>
                                                    <category>
                                <![CDATA[TCR Communication]]>
                            </category>
                                                    <category>
                                <![CDATA[Top Management Team]]>
                            </category>
                                                    <category>
                                <![CDATA[Trading account]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=298576</guid>
                                            <description>
                            <![CDATA[BBVA CEO Carlos Torres Vila said today that the sustainability of the banking business model in the current context of negative interest rates requires a change: To leave behind a money-centric infrastructure, based on revenues generated by interests, and develop a banking model that seeks to make a bigger difference in customers' lives. Speaking during BBVA’s Q1 2016 results presentation, Carlos Torres Vila expressed his conviction that “the more we are capable of offering a distinctive value, the more satisfied customers will be and the more viable and sustainable our business model will be.”]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA CEO Carlos Torres Vila said today that the sustainability of the banking business model in the current context of negative interest rates requires a change: To leave behind a money-centric infrastructure, based on revenues generated by interests, and develop a banking model that seeks to make a bigger difference in customers' lives. Speaking during BBVA’s Q1 2016 results presentation, Carlos Torres Vila expressed his conviction that “the more we are capable of offering a distinctive value, the more satisfied customers will be and the more viable and sustainable our business model will be.”]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>José Manuel González-Páramo: “Integrity and ethical conduct should always be present in our professional career”</title>
                    <link>https://www.bbva.com/en/jose-manuel-gonzalez-paramo-integrity-and-ethical-conduct-should-always-be-present-our-professional-career/</link>
                    <pubDate>Wed, 09 Mar 2016 08:45:13 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Blanca González del Fresno]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Careers]]>
                            </category>
                                                    <category>
                                <![CDATA[Code of conduct]]>
                            </category>
                                                    <category>
                                <![CDATA[Responsible banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Responsible Business Plan]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=382960</guid>
                                            <description>
                            <![CDATA[José Manuel González-Páramo, executive director of BBVA, has taken part in the <em>Business and Public Assets</em> conference organized by the Business and Humanism Institute of the University of Navarre at BBVA’s headquarters in Madrid. In his speech, González-Páramo has focused on ethics as a fundamental pillar of banking.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[José Manuel González-Páramo, executive director of BBVA, has taken part in the <em>Business and Public Assets</em> conference organized by the Business and Humanism Institute of the University of Navarre at BBVA’s headquarters in Madrid. In his speech, González-Páramo has focused on ethics as a fundamental pillar of banking.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>What is principle-adjusted return?</title>
                    <link>https://www.bbva.com/en/principle-adjusted-return/</link>
                    <pubDate>Thu, 03 Mar 2016 15:14:28 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Blanca González del Fresno]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Code of conduct]]>
                            </category>
                                                    <category>
                                <![CDATA[Communication]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate Responsibility]]>
                            </category>
                                                    <category>
                                <![CDATA[Responsible banking]]>
                            </category>
                                                    <category>
                                <![CDATA[TCR Communication]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=295407</guid>
                                            <description>
                            <![CDATA[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 <em>principle-adjusted return</em>, one of the levers on which we have built our distinctive banking model, which we call <em>responsible banking</em>.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[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 <em>principle-adjusted return</em>, one of the levers on which we have built our distinctive banking model, which we call <em>responsible banking</em>.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>BBVA changes its structure to accelerate transformation and boost results</title>
                    <link>https://www.bbva.com/en/bbva-changes-its-structure-to-accelerate-transformation-and-boost-results/</link>
                    <pubDate>Tue, 05 May 2015 10:22:33 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[carmelo.santoyo]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Balance sheet]]>
                            </category>
                                                    <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Carlos Torres Vila]]>
                            </category>
                                                    <category>
                                <![CDATA[Code of conduct]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate communication]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate governance]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate information]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate policy]]>
                            </category>
                                                    <category>
                                <![CDATA[Enterprises]]>
                            </category>
                                                    <category>
                                <![CDATA[Francisco González Rodríguez]]>
                            </category>
                                                    <category>
                                <![CDATA[Organizational changes]]>
                            </category>
                                                    <category>
                                <![CDATA[Press release]]>
                            </category>
                                                    <category>
                                <![CDATA[Shareholders]]>
                            </category>
                                                    <category>
                                <![CDATA[Shareholders' meeting]]>
                            </category>
                                                    <category>
                                <![CDATA[Significant events]]>
                            </category>
                                                    <category>
                                <![CDATA[TCR Communication]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=286179</guid>
                                            <description>
                            <![CDATA[The Board of Directors of BBVA named Carlos Torres Vila president &amp; COO at a meeting held today in Madrid, replacing Ángel Cano. The Board also approved a new organizational structure that puts digital transformation at the center of the strategy to accelerate its execution, while creating a function with the sole mission of managing the countries’ networks and operations to enhance results.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The Board of Directors of BBVA named Carlos Torres Vila president &amp; COO at a meeting held today in Madrid, replacing Ángel Cano. The Board also approved a new organizational structure that puts digital transformation at the center of the strategy to accelerate its execution, while creating a function with the sole mission of managing the countries’ networks and operations to enhance results.]]>
                        </content:encoded>
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