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Finance

Finance

The key to have the best professional team requires attracting, training and retaining talent. Aware of this, BBVA Corporate & Investment Banking, BBVA’s wholesale banking area, is announcing the fifth edition of its Graduate Training Programme, aiming at recruiting and developing the best junior talent available.

All companies need to make sure they have the money required to cover both eventual asset impairments and potential obligations that have still not materialized. These funds are commonly known as provisons. In the case of banks, due to the intrinsic structure of the business, default provisions are a key element with the potential to significantly affect results.

The political climate before the civil war was anything but peaceful. The differences between the buoyant conditions in cities and the complex socio-economic juncture in rural areas were substantial. The policies that the Ministry of Finance adopted, when not directly pointless, were mostly ineffective. All this notwithstanding, the government that emerged from the 1936 elections did not adopt a bellicose stance against the Spanish banking sector.

Thirty years ago, microfinance revolutionized the market with affordable loans for the disadvantaged. Until then, the most vulnerable population segments were left out on the fringes of the financial system, and had no way of accessing credit. Today, with 2 billion adults still unbanked, new technologies are emerging with the potential to reach more people at a lower cost. But this opportunity is having a challenging impact on the current microfinance model, which was built on the pillars of personal relations and trust.