David Puente is Head of Data BBVA. In 2017 David Puente was appointed Director of Data, reporting to directly to the Chief Executive Officer. David is responsible for defining and implementing the overall data strategy, strengthening the Group’s data governance model, establishing the necessary capabilities from the different areas of the bank in order to develop models for data-driven products and solutions, and boosting a data culture that accelerates BBVA’s digital transformation process.

BBVA’s Garanti Bank has been named Silver Stevie Winner in the category of ‘Best Use of Technology in Sales’ for its new onsite banking application. The new platform greatly enhances the mobility of sales teams by allowing them to carry out direct, independent and face-to-face, off-branch business with customers where the customers are.

Bonds and loans are financing instruments used at one moment or other by companies during the course of their existence. These are two conceptually different credit products that are sometimes confused. It is important to differentiate between both means of financing and understand their characteristics in order to know their true essence.

Days after the announcement that S&P had upgraded BBVA’s rating, DBRS has upgraded BBVA’s long-term rating to A (high) from A, one notch above the rating for Spain. In its report, the agency stressed BBVA’s diversified international business model, which should continue to support a path of solid results.

Ricardo Moreno is the global leader of BBVA Engineering. His main challenge on this role is to contribute to BBVA’s digital change managing and transforming the Group’s Information Technology platforms and Processes.

Rafael Salinas Martínez de Lecea (born in Granada, 11 November 1966) is the CRO of BBVA.

Following a 13 year career in Bloomberg, first in London for Bloomberg TV and then in Madrid for the news agency, Paul joined BBVA’s Communications team as the Director of Corporate Communications and Global Businesses. Prior to this change, Paul was the Chief Correspondent for Spain and Portugal at the Bloomberg news agency.

Europe and the U.S. need to promote global trade and services standards. And to do this, they must keep relying on multilateral agreements, which set out a strategic position with respect to third parties from a commercial, economic and political point of view. “The United States and Europe, united, are much stronger,” said José Manuel González-Páramo, Executive Member of the Board, Head of Global Economics, Regulation and Public Affairs at BBVA, in Barcelona on Monday.

S&P has upgraded BBVA’s long-term debt rating to A- from BBB+, a level the institution had not achieved since early 2012. The agency underscored the strength of BBVA’s franchises in the countries in which it operates, aiming at strengthening profitability while pushing for digitalization.

The way large corporations and institutional entities manage their finances has changed dramatically over the last decade and transaction banking has played a very important role in this transformation, as a result of both the boost given to the activity and the improvement of the relationship model with customers. The transformation was also affected by the recent financial crisis and has been enabled, to a large extent, by the use of new technologies.