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    <channel>
        <title>Balance sheet - NEWS BBVA</title>
        <atom:link href="https://www.bbva.com/en/economy-and-finance/finance/financial-systems/balance-sheet/feed/" rel="self" type="application/rss+xml" />
        <link>https://www.bbva.com/en/</link>
        <description>NEWS BBVA</description>
        <lastBuildDate>Sat, 13 Dec 2025 13:31:47 +0100</lastBuildDate>
        <language>en-US</language>
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                                <item>
                    <title>BBVA completes two significant risk transfers totaling €3.5 billion</title>
                    <link>https://www.bbva.com/en/economy-and-finance/bbva-completes-two-significant-risk-transfers-totaling-e3-5-billion/</link>
                    <pubDate>Fri, 27 Jun 2025 08:47:45 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Miguel Rodríguez Canfranc]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Balance sheet]]>
                            </category>
                                                    <category>
                                <![CDATA[Finance]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1105791</guid>
                                            <description>
                            <![CDATA[This week, BBVA completed two significant risk transfers (SRTs) with a combined value of €3.5 billion.  BBVA also reached an agreement to sell a €314 million portfolio of restructured mortgages. These transactions allow the Group to unblock regulatory capital, as part of its strategy to optimize capital allocation.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[This week, BBVA completed two significant risk transfers (SRTs) with a combined value of €3.5 billion.  BBVA also reached an agreement to sell a €314 million portfolio of restructured mortgages. These transactions allow the Group to unblock regulatory capital, as part of its strategy to optimize capital allocation.]]>
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                                <item>
                    <title>What is check reconciliation?</title>
                    <link>https://www.bbva.com/en/what-is-check-reconciliation/</link>
                    <pubDate>Mon, 13 May 2019 18:40:17 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[al.ortiz]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Balance sheet]]>
                            </category>
                                                    <category>
                                <![CDATA[Business finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=641009</guid>
                                            <description>
                            <![CDATA[When BBVA Compass <a href="http://newsroom.bbvacompass.com/2018-07-17-BBVA-Compass-announces-launch-of-RealTime-ARP-and-RealTime-Positive-Pay" target="_blank" rel="noopener">rolled out the BBVA Compass RealTime ARP&#x2122;</a> product, which recently <a href="http://newsroom.bbvacompass.com/2019-05-01-Industry-first-BBVA-Compass-RealTime-ARP-TM-wins-Innovator-in-Cash-Management-Award" target="_blank" rel="noopener">won an award recognizing its innovation</a>, the bank aimed at revolutionizing a process that is critical to the success of any commercial operation.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[When BBVA Compass <a href="http://newsroom.bbvacompass.com/2018-07-17-BBVA-Compass-announces-launch-of-RealTime-ARP-and-RealTime-Positive-Pay" target="_blank" rel="noopener">rolled out the BBVA Compass RealTime ARP&#x2122;</a> product, which recently <a href="http://newsroom.bbvacompass.com/2019-05-01-Industry-first-BBVA-Compass-RealTime-ARP-TM-wins-Innovator-in-Cash-Management-Award" target="_blank" rel="noopener">won an award recognizing its innovation</a>, the bank aimed at revolutionizing a process that is critical to the success of any commercial operation.]]>
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                                <item>
                    <title>Industry-first BBVA Compass RealTime ARP&#x2122; wins Innovator in Cash Management Award</title>
                    <link>https://www.bbva.com/en/industry-first-bbva-compass-realtime-arp-wins-innovator-in-cash-management-award/</link>
                    <pubDate>Wed, 01 May 2019 15:08:13 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[al.ortiz]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Awards]]>
                            </category>
                                                    <category>
                                <![CDATA[Balance sheet]]>
                            </category>
                                                    <category>
                                <![CDATA[Enterprises]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=637387</guid>
                                            <description>
                            <![CDATA[<a href="https://www.bbvacompass.com/commercial/treasury-management/investment/arp.html" target="_blank" rel="noopener">BBVA Compass RealTime ARP&#x2122;</a> has been named the 2019 Innovator in Cash Management by Global Finance Magazine, as part of the publication’s annual The Innovators 2019 awards.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[<a href="https://www.bbvacompass.com/commercial/treasury-management/investment/arp.html" target="_blank" rel="noopener">BBVA Compass RealTime ARP&#x2122;</a> has been named the 2019 Innovator in Cash Management by Global Finance Magazine, as part of the publication’s annual The Innovators 2019 awards.]]>
                        </content:encoded>
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                                <item>
                    <title>A closer look at BBVA Compass RealTime ARP&#x2122;</title>
                    <link>https://www.bbva.com/en/closer-look-bbva-compass-realtime-arp/</link>
                    <pubDate>Tue, 24 Jul 2018 20:21:35 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[al.ortiz]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Balance sheet]]>
                            </category>
                                                    <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=546212</guid>
                                            <description>
                            <![CDATA[BBVA Compass <a href="https://www.bbva.com/en/bbva-compass-announces-launch-realtime-arp-and-realtime-positive-pay/" target="_blank" rel="noopener">recently announced the launch of two new industry-leading fraud prevention and account reconciliation products</a>, BBVA Compass RealTimeARP&#x2122; and BBVA Compass RealTime Positive Pay&#x2122;. Shortly after the launch, <a href="https://www.bbva.com/en/visual-timeline-bbva-compass-realtime-positive-pay/" target="_blank" rel="noopener">we took a closer look at Positive Pay</a>. Today, we put the bank’s ARP product under the microscope.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA Compass <a href="https://www.bbva.com/en/bbva-compass-announces-launch-realtime-arp-and-realtime-positive-pay/" target="_blank" rel="noopener">recently announced the launch of two new industry-leading fraud prevention and account reconciliation products</a>, BBVA Compass RealTimeARP&#x2122; and BBVA Compass RealTime Positive Pay&#x2122;. Shortly after the launch, <a href="https://www.bbva.com/en/visual-timeline-bbva-compass-realtime-positive-pay/" target="_blank" rel="noopener">we took a closer look at Positive Pay</a>. Today, we put the bank’s ARP product under the microscope.]]>
                        </content:encoded>
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                                <item>
                    <title>Striving for a sustainable future, Garanti contributed TL 274 billion to the economy</title>
                    <link>https://www.bbva.com/en/striving-sustainable-future-garanti-contributed-tl-274-billion-economy/</link>
                    <pubDate>Fri, 27 Oct 2017 16:00:45 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Blanca González del Fresno]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Balance sheet]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate governance]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate information]]>
                            </category>
                                                    <category>
                                <![CDATA[Earnings]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial reports]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=355252</guid>
                                            <description>
                            <![CDATA[Türkiye Garanti Bankası A.Ş., announced its financial statements dated September 30, 2017. With an asset size of TL 339 billion 679 million 127 thousand, Garanti’s contribution to the economy through cash and non-cash lending reached TL 274 billion 87 million 604 thousand, based on the consolidated financials. The Bank posted a net income of TL 4 billion 685 million 989 thousand in the first 9 months of 2017. The Bank delivered an ROAE (Return on Average Equity) of 17.4% and an ROAA (Return on Average Assets) of 2.0%.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Türkiye Garanti Bankası A.Ş., announced its financial statements dated September 30, 2017. With an asset size of TL 339 billion 679 million 127 thousand, Garanti’s contribution to the economy through cash and non-cash lending reached TL 274 billion 87 million 604 thousand, based on the consolidated financials. The Bank posted a net income of TL 4 billion 685 million 989 thousand in the first 9 months of 2017. The Bank delivered an ROAE (Return on Average Equity) of 17.4% and an ROAA (Return on Average Assets) of 2.0%.]]>
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                                <item>
                    <title>The most valuable company in Turkey, Garanti contributed TL 273 billion to revitalize the economy</title>
                    <link>https://www.bbva.com/en/valuable-company-turkey-garanti-contributed-tl-273-billion-revitalize-economy/</link>
                    <pubDate>Thu, 27 Jul 2017 23:23:40 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[No utilizar]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Balance sheet]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate communication]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate information]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial reports]]>
                            </category>
                                                    <category>
                                <![CDATA[Press release]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=339165</guid>
                                            <description>
                            <![CDATA[Türkiye Garanti Bankası A.Ş., announced its financial statements dated June 30, 2017. With an asset size of TL 335 billion 942 million 185 thousand, Garanti’s contribution to the economy through cash and non-cash lending reached TL 272 billion 980 million 362 thousand, based on the consolidated financials. The Bank posted a net income of TL 3 billion 100 million 273 thousand in the first six months of 2017. The Bank delivered an ROAE (Return on Average Equity) of 18.1% and an ROAA (Return on Average Assets) of 2.1%.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Türkiye Garanti Bankası A.Ş., announced its financial statements dated June 30, 2017. With an asset size of TL 335 billion 942 million 185 thousand, Garanti’s contribution to the economy through cash and non-cash lending reached TL 272 billion 980 million 362 thousand, based on the consolidated financials. The Bank posted a net income of TL 3 billion 100 million 273 thousand in the first six months of 2017. The Bank delivered an ROAE (Return on Average Equity) of 18.1% and an ROAA (Return on Average Assets) of 2.1%.]]>
                        </content:encoded>
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                                <item>
                    <title>BBVA moves ahead with its real-estate strategy with the transfer of its land holdings to Metrovacesa</title>
                    <link>https://www.bbva.com/en/bbva-moves-ahead-real-estate-strategy-transfer-land-holdings-metrovacesa/</link>
                    <pubDate>Wed, 12 Jul 2017 08:31:59 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[miriam.gidron]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Balance sheet]]>
                            </category>
                                                    <category>
                                <![CDATA[Construction and property]]>
                            </category>
                                                    <category>
                                <![CDATA[Construction and town planning]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate information]]>
                            </category>
                                                    <category>
                                <![CDATA[Divestments]]>
                            </category>
                                                    <category>
                                <![CDATA[Home buying]]>
                            </category>
                                                    <category>
                                <![CDATA[Home rental]]>
                            </category>
                                                    <category>
                                <![CDATA[Home sales]]>
                            </category>
                                                    <category>
                                <![CDATA[Housing]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=337445</guid>
                                            <description>
                            <![CDATA[The agreement reached with <a href="http://www.mvcsyp.es/">Metrovacesa Suelo y Promoción</a> (hereinafter Metrovacesa S.A), in which BBVA holds a stake, represents a significant step forward in the bank’s real estate strategy.  BBVA participated in a non-monetary capital increase, together with the other shareholders, through which the bank will transfer high-potential land holdings intended for housing developments valued at €431 million.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The agreement reached with <a href="http://www.mvcsyp.es/">Metrovacesa Suelo y Promoción</a> (hereinafter Metrovacesa S.A), in which BBVA holds a stake, represents a significant step forward in the bank’s real estate strategy.  BBVA participated in a non-monetary capital increase, together with the other shareholders, through which the bank will transfer high-potential land holdings intended for housing developments valued at €431 million.]]>
                        </content:encoded>
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                                <item>
                    <title>Brexit and fintech, in the ECB’s supervisory agenda</title>
                    <link>https://www.bbva.com/en/brexit-fintech-ecbs-supervisory-agenda/</link>
                    <pubDate>Fri, 24 Mar 2017 13:45:18 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Annual reports]]>
                            </category>
                                                    <category>
                                <![CDATA[Balance sheet]]>
                            </category>
                                                    <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Central banks]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=324440</guid>
                                            <description>
                            <![CDATA[The ECB has published its <a href="https://www.bankingsupervision.europa.eu/ecb/pub/pdf/ssmar2016.es.pdf" target="_blank" rel="noopener">annual report</a> on the supervisory activities appointed to it by the Single Supervisory Mechanism. Key achievements in 2016: effectively addressing the non-performing loan (NPL) issue, the improvement the solvency of the euro area banking sector and the further harmonisation of banking supervision in the euro area. In the spotlight for 2017: new challenges, like the new scenario for European banks after <a href="https://www.bbva.com/en/news/economy/macroeconomics/central-banks/lehman-brexit-role-central-banks/">Brexit</a> and <a href="https://www.bbva.com/en/news/economy/financial-and-commercial-services/fintech/ten-key-fintech-terms/">fintech</a>-related risks.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The ECB has published its <a href="https://www.bankingsupervision.europa.eu/ecb/pub/pdf/ssmar2016.es.pdf" target="_blank" rel="noopener">annual report</a> on the supervisory activities appointed to it by the Single Supervisory Mechanism. Key achievements in 2016: effectively addressing the non-performing loan (NPL) issue, the improvement the solvency of the euro area banking sector and the further harmonisation of banking supervision in the euro area. In the spotlight for 2017: new challenges, like the new scenario for European banks after <a href="https://www.bbva.com/en/news/economy/macroeconomics/central-banks/lehman-brexit-role-central-banks/">Brexit</a> and <a href="https://www.bbva.com/en/news/economy/financial-and-commercial-services/fintech/ten-key-fintech-terms/">fintech</a>-related risks.]]>
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                                <item>
                    <title>Systemic risk: balance sheet size and other key issues</title>
                    <link>https://www.bbva.com/en/systemic-risk-balance-sheet-size-key-issues/</link>
                    <pubDate>Mon, 21 Nov 2016 16:03:28 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[miriam.gidron]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Balance sheet]]>
                            </category>
                                                    <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Economic analysis]]>
                            </category>
                                                    <category>
                                <![CDATA[Economic sectors]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=309703</guid>
                                            <description>
                            <![CDATA[The fall of Lehman Brothers made it clear that the size of a bank can be important. Its collapse demonstrated the impact that an institution’s bankruptcy could have on the whole financial system and its repercussions for a country’s entire real economy. As a result, the G20 authorities sought to protect financial stability. Their first step was to identify other systemic banks.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The fall of Lehman Brothers made it clear that the size of a bank can be important. Its collapse demonstrated the impact that an institution’s bankruptcy could have on the whole financial system and its repercussions for a country’s entire real economy. As a result, the G20 authorities sought to protect financial stability. Their first step was to identify other systemic banks.]]>
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                                <item>
                    <title>Differences between a retail bank and an investment bank</title>
                    <link>https://www.bbva.com/en/differences-retail-bank-investment-bank/</link>
                    <pubDate>Tue, 08 Nov 2016 06:01:55 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[elisabet.furioc]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Balance sheet]]>
                            </category>
                                                    <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial reports]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Investment bank]]>
                            </category>
                                                    <category>
                                <![CDATA[Trading account]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=311991</guid>
                                            <description>
                            <![CDATA[According to Investorpedia, <a href="http://www.investopedia.com/terms/r/retailbanking.asp">retail banks</a> are banks devoted to provide services to particular savers and investors and small and medium sized enterprises. On the other hand, <a href="http://www.investopedia.com/terms/w/wholesalebanking.asp?ad=dirN&amp;qo=investopediaSiteSearch&amp;qsrc=0&amp;o=40186">wholesale banks </a>specialize in the provision of services in large operations, generally with large companies and organizations.

Although financial institutions today specialize in a certain type of activity, this has not always been the case. In fact, it was not until after the crash of 1929 that these two types of banking began to operate separately.

This took place in 1933 through the Glass-Steagal Law, which was promoted by Roosevelt as part of a package to stimulate the economy (The New Deal). This law was abolished by Bill Clinton in 1999, which allowed both models of banking to be housed under the same institution once again. However, after the financial crisis that devastated banks in 2008, these activities currently operate separately in most cases.

The main difference between both banking sectors is that they each specialize in different types of customers, but this is not the only difference, Let's take a look at other things that distinguish them.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[According to Investorpedia, <a href="http://www.investopedia.com/terms/r/retailbanking.asp">retail banks</a> are banks devoted to provide services to particular savers and investors and small and medium sized enterprises. On the other hand, <a href="http://www.investopedia.com/terms/w/wholesalebanking.asp?ad=dirN&amp;qo=investopediaSiteSearch&amp;qsrc=0&amp;o=40186">wholesale banks </a>specialize in the provision of services in large operations, generally with large companies and organizations.

Although financial institutions today specialize in a certain type of activity, this has not always been the case. In fact, it was not until after the crash of 1929 that these two types of banking began to operate separately.

This took place in 1933 through the Glass-Steagal Law, which was promoted by Roosevelt as part of a package to stimulate the economy (The New Deal). This law was abolished by Bill Clinton in 1999, which allowed both models of banking to be housed under the same institution once again. However, after the financial crisis that devastated banks in 2008, these activities currently operate separately in most cases.

The main difference between both banking sectors is that they each specialize in different types of customers, but this is not the only difference, Let's take a look at other things that distinguish them.]]>
                        </content:encoded>
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