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        <title>Financial system | BBVA</title>
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        <link>https://www.bbva.com/en/economy-and-finance/finance/financial-systems/</link>
        <description>NEWS BBVA</description>
        <lastBuildDate>Fri, 19 Jun 2026 23:28:49 +0200</lastBuildDate>
        <language>en-US</language>
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                                <item>
                    <title>BBVA launches a credit card in Germany and expands its financial products offering</title>
                    <link>https://www.bbva.com/en/innovation/bbva-launches-a-credit-card-in-germany-and-expands-its-financial-products-offering/</link>
                    <pubDate>Wed, 17 Jun 2026 08:11:32 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[maria.ciriza]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Actualitat]]>
                            </category>
                                                    <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1165952</guid>
                                            <description>
                            <![CDATA[<a href="https://www.bbva.com/en/innovation/bbva-launches-a-100-digital-bank-in-germany-offering-an-interest-bearing-checking-account-with-no-fees/">BBVA Germany</a> is launching its first credit card for customers in Germany in partnership with Mastercard. This new card is free for active users and offers an initial six-month fee-free trial period for new cardholders to experience its benefits without a fee, while delivering state-of-the-art security features and no foreign exchange fees (FX) worldwide. The launch highlights what sets BBVA apart from other digital banks: leveraging the scale and expertise of the BBVA Group, one of the largest banking groups in the world.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[<a href="https://www.bbva.com/en/innovation/bbva-launches-a-100-digital-bank-in-germany-offering-an-interest-bearing-checking-account-with-no-fees/">BBVA Germany</a> is launching its first credit card for customers in Germany in partnership with Mastercard. This new card is free for active users and offers an initial six-month fee-free trial period for new cardholders to experience its benefits without a fee, while delivering state-of-the-art security features and no foreign exchange fees (FX) worldwide. The launch highlights what sets BBVA apart from other digital banks: leveraging the scale and expertise of the BBVA Group, one of the largest banking groups in the world.]]>
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                    <title>Carlos Torres Vila: ''Europe has the opportunity to lead the way in AI adoption to boost productivity and strategic autonomy''</title>
                    <link>https://www.bbva.com/en/innovation/carlos-torres-vila-europe-has-the-opportunity-to-lead-the-way-in-ai-adoption-to-boost-productivity-and-strategic-autonomy/</link>
                    <pubDate>Tue, 19 May 2026 11:55:01 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Santiago Romero]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Banking]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1161509</guid>
                                            <description>
                            <![CDATA[BBVA Chair Carlos Torres Vila said that the adoption of artificial intelligence (AI) represents a major opportunity for Europe during his participation this Tuesday at the 7th Expansión International Forum. In his view, AI will profoundly transform the banking sector and BBVA aims to lead that change. “Over the past 20 years, the bank has maintained this innovative and transformative drive. And we are going to do it again with the wave that is coming, which is deeper and faster,” he stressed. BBVA is already evolving toward a truly AI-driven bank through the creation, deployment and management of AI agents across the organization. “The potential of the technology is to transform everything we do at BBVA,” he said.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA Chair Carlos Torres Vila said that the adoption of artificial intelligence (AI) represents a major opportunity for Europe during his participation this Tuesday at the 7th Expansión International Forum. In his view, AI will profoundly transform the banking sector and BBVA aims to lead that change. “Over the past 20 years, the bank has maintained this innovative and transformative drive. And we are going to do it again with the wave that is coming, which is deeper and faster,” he stressed. BBVA is already evolving toward a truly AI-driven bank through the creation, deployment and management of AI agents across the organization. “The potential of the technology is to transform everything we do at BBVA,” he said.]]>
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                                <item>
                    <title>BBVA Appoints Jürgen von der Lehr as Head of Its Digital Bank in Germany</title>
                    <link>https://www.bbva.com/en/innovation/bbva-appoints-jurgen-von-der-lehr-as-head-of-its-digital-bank-in-germany/</link>
                    <pubDate>Wed, 06 May 2026 04:49:13 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[María Prados]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy and Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1159400</guid>
                                            <description>
                            <![CDATA[BBVA is strengthening its commitment to growth in Germany with the appointment of Jürgen von der Lehr as Head of its Digital Bank in the country, a key role in adapting the bank’s value proposition in one of Europe’s largest and most competitive financial markets.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA is strengthening its commitment to growth in Germany with the appointment of Jürgen von der Lehr as Head of its Digital Bank in the country, a key role in adapting the bank’s value proposition in one of Europe’s largest and most competitive financial markets.]]>
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                    <title>Carlos Torres Vila: “The country’s medium-term outlook is favourable, driven by Plan Mexico”</title>
                    <link>https://www.bbva.com/en/economy-and-finance/carlos-torres-vila-the-countrys-medium-term-outlook-is-favourable-driven-by-plan-mexico/</link>
                    <pubDate>Tue, 05 May 2026 16:53:21 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Miguel Rodríguez Canfranc]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Banking]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1159725</guid>
                                            <description>
                            <![CDATA[At the opening of the 2026 National Meeting of Regional Advisors (RNCR) in Mexico City, BBVA’s Chair, Carlos Torres Vila stated that “the country’s medium-term outlook is favourable, driven by initiatives such as Plan Mexico,” and recalled that the Group has a 100-billion-peso (nearly €4.8 billion) investment plan underway in the country for the 2025–2030 period, “an investment focused on innovation, infrastructure and people, because we believe in Mexico.” Meanwhile, Eduardo Osuna, Vice Chair and CEO of BBVA Mexico, emphasized that there are signs of economic recovery in 2026 but warned that it is necessary to boost private investment. To this end, “the conditions that reduce uncertainty around investment decisions are starting to materialize,” he added.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[At the opening of the 2026 National Meeting of Regional Advisors (RNCR) in Mexico City, BBVA’s Chair, Carlos Torres Vila stated that “the country’s medium-term outlook is favourable, driven by initiatives such as Plan Mexico,” and recalled that the Group has a 100-billion-peso (nearly €4.8 billion) investment plan underway in the country for the 2025–2030 period, “an investment focused on innovation, infrastructure and people, because we believe in Mexico.” Meanwhile, Eduardo Osuna, Vice Chair and CEO of BBVA Mexico, emphasized that there are signs of economic recovery in 2026 but warned that it is necessary to boost private investment. To this end, “the conditions that reduce uncertainty around investment decisions are starting to materialize,” he added.]]>
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                                <item>
                    <title>Garanti BBVA Launches Fund Bot to Simplify Investment Decisions</title>
                    <link>https://www.bbva.com/en/tr/innovation/garanti-bbva-launches-fund-bot-to-simplify-investment-decisions/</link>
                    <pubDate>Tue, 21 Apr 2026 10:22:24 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Patricia Casas]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Garanti BBVA]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1156673</guid>
                                            <description>
                            <![CDATA[The new digital tool offers personalized model portfolios based on each investor’s risk profile and time horizon, making the investment process faster, clearer, and more straightforward.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The new digital tool offers personalized model portfolios based on each investor’s risk profile and time horizon, making the investment process faster, clearer, and more straightforward.]]>
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                                <item>
                    <title>BBVA with Six-figure Customer Base in Germany with 23% of Customers Holding Over 100,000 €</title>
                    <link>https://www.bbva.com/en/innovation/bbva-reaches-six-figure-customer-base-in-germany-with-23-of-customers-holding-over-100000-e/</link>
                    <pubDate>Wed, 15 Apr 2026 11:22:49 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Sofia Martínez Corrons]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1155863</guid>
                                            <description>
                            <![CDATA[Germany is rapidly becoming one of the bank’s most important strategic growth markets in Europe. Since the launch of its digital retail bank in June 2025, BBVA has surpassed a six-figure customer base. Notably 90% of these customers have “activated, funded their accounts, and are actively using them,” Murat Kalkan, BBVA’s Global Head of Digital Banks, said today at <a href="https://www.fibe-berlin.com/en" target="_blank" rel="noopener">FIBE</a> in Berlin. That strong early confidence is further underscored by the fact that 23% (as of early 2026) of BBVA’s customers in Germany hold more than €100,000 with the bank. Kalkan emphasized that  BBVA’s ambition is to become a genuine primary banking alternative for German customers.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Germany is rapidly becoming one of the bank’s most important strategic growth markets in Europe. Since the launch of its digital retail bank in June 2025, BBVA has surpassed a six-figure customer base. Notably 90% of these customers have “activated, funded their accounts, and are actively using them,” Murat Kalkan, BBVA’s Global Head of Digital Banks, said today at <a href="https://www.fibe-berlin.com/en" target="_blank" rel="noopener">FIBE</a> in Berlin. That strong early confidence is further underscored by the fact that 23% (as of early 2026) of BBVA’s customers in Germany hold more than €100,000 with the bank. Kalkan emphasized that  BBVA’s ambition is to become a genuine primary banking alternative for German customers.]]>
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                                <item>
                    <title>BBVA Breaks Into the Top3 of Forbes’ Ranking of Italy’s Best Banks</title>
                    <link>https://www.bbva.com/en/innovation/bbva-breaks-into-the-top3-of-forbes-ranking-of-italys-best-banks/</link>
                    <pubDate>Mon, 13 Apr 2026 10:04:32 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[maria.ciriza]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Actualitat]]>
                            </category>
                                                    <category>
                                <![CDATA[Current news]]>
                            </category>
                                                    <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1155105</guid>
                                            <description>
                            <![CDATA[<p align="justify">BBVA has secured 3rd place among the best banks in Italy in the 2026 edition of the <a href="https://www.forbes.com/lists/worlds-best-banks/" target="_blank" rel="noopener">'World’s Best Banks' list published by Forbes</a>. This result marks an improvement over last year, when the bank ranked at the fifth place, and further strengthens its position among the leading financial institutions in the country.</p>]]>
                        </description>
                        <content:encoded>
                            <![CDATA[<p align="justify">BBVA has secured 3rd place among the best banks in Italy in the 2026 edition of the <a href="https://www.forbes.com/lists/worlds-best-banks/" target="_blank" rel="noopener">'World’s Best Banks' list published by Forbes</a>. This result marks an improvement over last year, when the bank ranked at the fifth place, and further strengthens its position among the leading financial institutions in the country.</p>]]>
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                                <item>
                    <title>Simplifying to Compete: Redefining the EU’s Digital Framework</title>
                    <link>https://www.bbva.com/en/economy-and-finance/simplifying-to-compete-redefining-the-eus-digital-framework/</link>
                    <pubDate>Fri, 10 Apr 2026 04:15:24 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Javier Díaz Jiménez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1151918</guid>
                                            <description>
                            <![CDATA[In recent years, Europe has been busy developing one of the world’s most ambitious digital regulatory frameworks, covering matters such as data protection and sharing, artificial intelligence (AI), and operational resilience. The result is a robust framework, but also one that is complex and, at times, fragmented. However, since 2023—with the rise in popularity of tools such as ChatGPT—and amid heightened geopolitical tensions, there has been mounting criticism of an approach that is sometimes seen as overly regulatory and as one of the causes of the EU’s technological gap relative to other regions.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[In recent years, Europe has been busy developing one of the world’s most ambitious digital regulatory frameworks, covering matters such as data protection and sharing, artificial intelligence (AI), and operational resilience. The result is a robust framework, but also one that is complex and, at times, fragmented. However, since 2023—with the rise in popularity of tools such as ChatGPT—and amid heightened geopolitical tensions, there has been mounting criticism of an approach that is sometimes seen as overly regulatory and as one of the causes of the EU’s technological gap relative to other regions.]]>
                        </content:encoded>
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                                <item>
                    <title>LCR and NSFR, banks' liquidity shield</title>
                    <link>https://www.bbva.com/en/economy-and-finance/lcr-and-nsfr-what-do-these-liquidity-ratios-stand-for/</link>
                    <pubDate>Fri, 10 Apr 2026 00:15:18 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Miguel Rodríguez Canfranc]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Earnings]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial ratios]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=668150</guid>
                                            <description>
                            <![CDATA[<a href="https://www.bbva.com/es/la-implementacion-de-basilea-iii-consistencia-y-flexibilidad/">The Basel Committee</a> has designed two liquidity ratios to ensure that financial institutions have sufficient liquidity to meet their short-term and long-term obligations: LCR and NSFR. These two requirements are intended to reduce risks in case of episodes of financial turbulence.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[<a href="https://www.bbva.com/es/la-implementacion-de-basilea-iii-consistencia-y-flexibilidad/">The Basel Committee</a> has designed two liquidity ratios to ensure that financial institutions have sufficient liquidity to meet their short-term and long-term obligations: LCR and NSFR. These two requirements are intended to reduce risks in case of episodes of financial turbulence.]]>
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                                <item>
                    <title>Garanti BBVA Reaches Agreement to Sell Its Romanian Unit</title>
                    <link>https://www.bbva.com/en/economy-and-finance/garanti-bbva-reaches-agreement-to-sell-its-romanian-unit/</link>
                    <pubDate>Sat, 28 Mar 2026 00:47:46 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Miguel Rodríguez Canfranc]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Finance]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1152262</guid>
                                            <description>
                            <![CDATA[Garanti BBVA has reached an agreement with Raiffeisen Bank S.A. – the Romanian unit of the Austrian bank Raiffeisen Bank International AG’s (RBI) – to sell 100 percent of its franchise in Romania for €591 million.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Garanti BBVA has reached an agreement with Raiffeisen Bank S.A. – the Romanian unit of the Austrian bank Raiffeisen Bank International AG’s (RBI) – to sell 100 percent of its franchise in Romania for €591 million.]]>
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