The Center for Financial Education and Capability has already secured support from more than 500 experts to conduct its activities. Both the quality and the quantity of experts and collaborators regularly involved in the Center’s activities attest to the success of the initiative, which launched two years ago.

-Income: Positive trends in recurring revenues (NII plus fees and commissions) continued between January and September, boosting gross income to €18.43 billion (+5.1% y-o-y)

-Risks: The Group’s NPL ratio remained stable and stood at 5.1% at the end of September, the same level as in December 2012, while the coverage ratio was 72%

-Capital: BBVA achieved its 2017 capital goal ahead of schedule. The fully-loaded CET1 ratio stood at 11%, with a capital generation of 29 basis points in the quarter

-Transformation: BBVA’s digital customer base stood at 17.2 million (+20% in the past year). Of these, 11 million are mobile customers (+41%)

The BBVA Group earned €2.8 billion between January and September 2016, up 64.3% from the same period a year earlier. Stripping out the impact of corporate operations and currency fluctuations, growth reached 15.0%. Net attributable profit rose to €965 million in the third quarter.

More than 2 billion adults are excluded from the formal financial system, according to the Universal Financial Access 2020 report by the World Bank.

The challenge is to ensure that by 2020 adults around the world will have access to a checking account or an electronic service to save their money and send and receive payments. This goal is behind the boom in financial inclusion strategies, which are increasingly making use of technology and the services provided by the so-called technological finance (fintech).

On the stock market it is very common to come across terms that define part of the operations. These are some of the terms you should know if you want to operate on the stock market.