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        <title>Bank guarantee - NEWS BBVA</title>
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        <description>NEWS BBVA</description>
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                                <item>
                    <title>Towards full banking penetration?</title>
                    <link>https://www.bbva.com/en/full-banking-penetration/</link>
                    <pubDate>Wed, 08 Jul 2015 11:59:19 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[No utilizar]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Bank accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank cards]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank deposits]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank guarantee]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank services]]>
                            </category>
                                                    <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate information]]>
                            </category>
                                                    <category>
                                <![CDATA[Customer experience]]>
                            </category>
                                                    <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial and commercial services]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial economics]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial markets and monetary economics]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Global market research]]>
                            </category>
                                                    <category>
                                <![CDATA[Investment bank]]>
                            </category>
                                                    <category>
                                <![CDATA[Mobile banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Transactional banking]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=343544</guid>
                                            <description>
                            <![CDATA[Between 2011 and 2014, 700 million people opened a bank account. In the same period, <strong>the number of people outside the banking system fell by 20%</strong>, or 2 billion adults. In 2014, 62% of adults held an account, well above the 54% registered in 2011.]]>
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                        <content:encoded>
                            <![CDATA[Between 2011 and 2014, 700 million people opened a bank account. In the same period, <strong>the number of people outside the banking system fell by 20%</strong>, or 2 billion adults. In 2014, 62% of adults held an account, well above the 54% registered in 2011.]]>
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                                <item>
                    <title>The six challenges for banking in 2020</title>
                    <link>https://www.bbva.com/en/six-challenges-banking-2020/</link>
                    <pubDate>Tue, 25 Nov 2014 10:31:48 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[No utilizar]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Accounting and audit]]>
                            </category>
                                                    <category>
                                <![CDATA[Advisory]]>
                            </category>
                                                    <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank cards]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank deposits]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank guarantee]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank services]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial and commercial services]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial economics]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial inclusion]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial markets and monetary economics]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                    <category>
                                <![CDATA[Internet]]>
                            </category>
                                                    <category>
                                <![CDATA[Science and technology]]>
                            </category>
                                                    <category>
                                <![CDATA[Technology]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=341409</guid>
                                            <description>
                            <![CDATA[Like all beginnings of decades, the symbolic date of 2020 raises all sorts of expectations and questions in these previous years about transformations to various activities, and financial services are no exception. From the technological innovations foretold at the Fintech Conference to the challenges set by the PwC study <em>Retail Banking 2020: Evolution or Revolution</em>?, all experts seem to agree on one thing: there will be profound changes in the sector over the next six years.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Like all beginnings of decades, the symbolic date of 2020 raises all sorts of expectations and questions in these previous years about transformations to various activities, and financial services are no exception. From the technological innovations foretold at the Fintech Conference to the challenges set by the PwC study <em>Retail Banking 2020: Evolution or Revolution</em>?, all experts seem to agree on one thing: there will be profound changes in the sector over the next six years.]]>
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                                                        </item>
            
                                <item>
                    <title>The second BBVA issuance of CoCo bonds attracts the largest demand in a Spanish bank</title>
                    <link>https://www.bbva.com/en/second-bbva-issuance-coco-bonds-attracts-largest-demand-spanish-bank/</link>
                    <pubDate>Tue, 18 Feb 2014 15:25:43 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Blanca González del Fresno]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Bank guarantee]]>
                            </category>
                                                    <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Debt issuance]]>
                            </category>
                                                    <category>
                                <![CDATA[Economic analysis]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial scenarios]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=356399</guid>
                                            <description>
                            <![CDATA[BBVA has placed on the international capital markets its second issuance of contingent convertible securities into ordinary shares under the new European capital regulations (Basel III CRD-IV). The issuance amounted to 1.5 billion euros with perpetual maturity, with a 7% coupon and cancellation option from year five. BBVA was the first European bank to launch an issuance of this type of instrument in April 2013.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA has placed on the international capital markets its second issuance of contingent convertible securities into ordinary shares under the new European capital regulations (Basel III CRD-IV). The issuance amounted to 1.5 billion euros with perpetual maturity, with a 7% coupon and cancellation option from year five. BBVA was the first European bank to launch an issuance of this type of instrument in April 2013.]]>
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