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Financial economics

Today

Decision making can be psychologically, emotionally and sometimes even physically exhausting. That’s why all of us have created mental shortcuts, biases, and preferences that help us make decisions. While this can save us time and fatigue, it doesn’t always help us make the best decisions.

09 Jul 2019

We humans have a history of finding faster, simpler, more efficient ways of doing things. Over time, we’ve sped up every process from building a car to ordering a pizza online.  So it’s really no surprise that we’ve also established thought processes to help us wade through all the information we encounter and make decisions more quickly.

14 May 2019

Every day, we ask our brains to make decisions, about what to wear, what to order, which shoes to buy, which route to take to work. Some of these decisions are made so automatically, we aren’t even aware we’re making them. Our brains do that on purpose — relying on shortcuts and preferences — to avoid the continuous ongoing stress of making the same decisions again and again.

17 Aug 2018

16 Aug 2018

EBITDA, or Earnings Before Interests, Tax, Depreciation and Amortization, is an accounting measure that shows the gross income before financial expenses are deducted, and which allows financial analysts to assess the behavior and financial standing of companies.

19 Feb 2018

12 Dec 2017

BBVA Francés is fully immersed in its transformation to digital banking. This year, the bank moved into a modern tower in Buenos Aires, where it is growing as a company, both culturally and in terms of teamwork. Customer experience is setting the pace of change towards a mobile future. For CEO Martín Zarich, the customer experience sets the pace towards a changeable future. In his opinion: “the moment is now, not in five years’ time”.

17 Nov 2017

16 Nov 2017

Money 20/20 Las Vegas is without doubt one of the showcase events for technology and financial services in the world. Every years thousands of people involved in the industry, from big banks like BBVA to technology firms like Google and most importantly innovators and start-ups, gather to discuss the future of the industry.

16 Oct 2017

BBVA and BBVA Bancomer are piloting an FX matching application developed by Calypso Technology, a leading provider of cloud based cross asset trading software solutions for the financial markets, and enterprise software firm R3. The application, which runs on R3’s Corda platform and is facilitated by Calypso’s cloud services, has already been used by the two banks to match a test FX trade.

Non-performing assets, monetary policy and digitization are the three most pressing challenges that EU banks are facing, according to José Manuel González-Páramo. BBVA’s Executive Board Director participated in the annual meetings of the International Monetary Fund, the World Bank and the Institute of International Finance (IIF) that took place in Washington D.C. last week, which he attended together with a large delegation of BBVA executives.

13 Oct 2017

18 Sep 2017

08 Sep 2017

For months, European authorities have been mulling over a crucial issue for the health of the financial sector: reducing the stock of non-performing assets that have been piling up in banks’ balance sheets during the years of financial crisis.  The creation of a bad European bank is one of the alternatives that are being considered to solve the problem.

29 Aug 2017

BBVA has participated in a public hearing in the European Parliament, organized by the Committee on Legal Affairs (JURI). The aim of the hearing was to allow stakeholders to share their insights into the directive’s insolvency proposal with the MEPs. BBVA was the only representative of the financial sector, a fact that attests to the bank’s relevance for EU institutions on these matters.

09 Aug 2017

In 2007, one of the biggest financial crisis in modern history started, one that has brought drastic changes to the world’s economy.

The bursting of the financial bubble caused by subprime mortgages triggered a deep economic recession, especially in countries such as Spain.  The crisis also resulted in record-high unemployment rates that still affect large segments of the population.  This is how the crisis that started a decade ago has evolved and affected people and the economy.

17 Jul 2017

The financial crisis has had dire consequences on the banking sector’s landscape.  Of the 8,600 entities that operated in Europe in 2008, only 6,500 remained at the beginning of this year.  In addition, these banks now have to operate under a regulatory framework that’s much stricter than the one that existed before the crisis, in a market that has also changed.  All this is leading European banks to shift their business models.  Do they now have a more retail-minded profile than before the crisis?  That’s what it looks like.

11 Jul 2017

Unlike other sectors in Turkey, banks are standing out because of the excellent progress of their financial indicators in the first part of 2017. One of the reasons is the measures taken by the Turkish Government to stimulate growth. However, there are also other reasons that are making Turkish banks the ones preferred by many investors. Garanti, owned 49.85% by BBVA, has particularly shined bright.

07 Jul 2017

The agility, price and quality of digital services benefit customers, according to BBVA Executive Director José Manuel González-Páramo. At the Young Ibero-American Leaders Convention, organized by the Carolina Foundation in Madrid, he explained the benefits of the digital age for customers, especially in Latin America where a large portion of the population does not have access to financial services. “Customers are the main beneficiaries of the technological change we are experiencing. The opportunities enabled by digitization give more power to them,” he indicated.

At a debate about the opportunities offered by digitization, he noted that “the immense agility” with which customers can be reached, “the prices that are so low” compared to the past and “the quality of services” benefit customers.

27 Jun 2017

16 Jun 2017

BBVA Executive Director José Manuel González-Páramo today closed the EduFin Summit in Mexico, which the bank organized. In his opinion, “we are at a key moment in the development of financial education”, due to the socioeconomic changes taking place, the growing complexity of financial products and the digital transformation of banking.

15 Jun 2017

Education and financial inclusion are the principal themes of EduFin Summit 2017, the first global encounter organized by the BBVA Center for Financial Education and Capability. For two days, the world´s leading experts will meet in Mexico City to discuss how to help people improve their lives and access new opportunities, by means of financial knowledge.

07 Jun 2017

30 Mar 2017

There has been an increasing focus on sustainable finance and on the impact of the climate change for the financial stability since 2015 year. Having said that, sustainable finance and the analysis of the consequences of climate change for the financial system are still in a very nascent stage and there is still a lot of work to be done. Two leading projects that are a step in the right direction are those of the Financial Stability Board (FSB) Task Force on Climate-related Financial Disclosures (TCFD) Recommendations -at global level- and the creation of a European Expert Group on sustainable finance -in the EU.

29 Mar 2017

BBVA has created the global position of Head of Data at the highest level of the organization to promote the strategic use of data in all the areas and businesses of the Group. David Puente will take on the new role, reporting directly to BBVA CEO Carlos Torres Vila.

17 Mar 2017

24 Feb 2017

09 Jan 2017

Big data, virtual reality, social networks… The dizzying changes that technology is bringing about in society are reflected in the world of work, where new jobs and responsibilities are being created. This is a short guide that will help explain to your parents what your work consists of, or will help you understand what your children are doing.

02 Dec 2016

Everyone should have access to basic financial services by 2020. This goal, set by the World Bank, aims to combat the financial exclusion that impacts two billion people. Several organizations from the public and private sector, including BBVA Microfinance Foundation, have signed the Universal Financial Access 2020 (UFA), committing to meet this deadline.

Having a bank account is the first step to access basic financial services, such as loans or insurance, which help underprivileged families to receive essential services like water, electricity, housing, education or healthcare. It also allows small and medium sized businesses to grow, expand operations and improve risk management.

01 Dec 2016

BBVA Paraguay is part of a sound, consolidated group, with the track record, tools and processes that makes it a solid and respected bank across the country. Given the current challenge posed by the digital transformation, the bank is using its experience to reinvent itself and adapt to the local ecosystem, updating the products and services it offers in an agile manner.

19 Jun 2016

In his youth, Robert Butler Wilson (Geneva, Nebraska, United States, 1937) was strongly drawn to basic science. With the help of a grant, he was able to fulfill his dream of studying mathematics at Harvard University, where he graduated in 1959. However, his fortuitous attendance at an economic theory course convinced him to switch to the social sciences.

16 Jun 2016

Fed members just can’t seem to make up their mind these days. One minute they are shouting out encouraging signals about the U.S. economy, and the next it is all gloom and doom. In the end, we are left with a mixed signal as to what is really going on, with the impression that Fed members themselves don’t really have any idea on how to proceed in such an uncertain economic environment.

01 Mar 2016

24 Feb 2016

“The shadow banking system” is a term that is becoming increasingly common in the media and talk shows on finance and economics. It gets its name from the expression “shadow banking”, which is used to refer to entities that are not banks engaging in bank-like activities.

28 Dec 2015

15 Nov 2015

The Chairman & CEO of BBVA, Francisco González, stressed at the summit in Turkey that authorities should start to wrap up the financial reform agenda to take a breather and analyze its impact on the recovery. “Regulation must focus on growth and not just financial stability,” said Francisco González at the summit, where business leaders share their opinions with politicians on the major challenges facing the global economy.

13 Nov 2015

25 Aug 2015

José Diego Alarcón is a partner of the Spanish SME Serfiex, which specializes in Financial Risk Management software, consulting and solutions. Along with a team of financial analysts, econometricians and IT specialists it has developed a robo advisor with which the company aims to approach small investors.

24 Jul 2015

Gema Sacristán, head of the Financial Markets Division at the IDB‘s Structured and Corporate Finance Department, highlights some of the experiences in banking penetration that are taking place in several countries in Latin America and the Caribbean. These are initiatives in Chile, Colombia, Mexico, Peru and Brazil to promote and facilitate banking penetration.

08 Jul 2015

Between 2011 and 2014, 700 million people opened a bank account. In the same period, the number of people outside the banking system fell by 20%, or 2 billion adults. In 2014, 62% of adults held an account, well above the 54% registered in 2011.

01 Jul 2015

23 Feb 2015

25 Nov 2014

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 Retail Banking 2020: Evolution or Revolution?, all experts seem to agree on one thing: there will be profound changes in the sector over the next six years.

24 Oct 2014