After the recent ratings upgrades announced by S&P, and DBRS, rating agency Moody’s has changed the outlook on its long-term rating for BBVA (Baa1) to positive from stable. In its press release, Moody’s said it favorably views the bank’s capacity to issue bail-in-able debt in order to meet MREL requirements.

Jorge Sáenz-Azcúnaga (born in Bilbao, 23 March 1970) is Head of Country Monitoring at BBVA. He earned his BS in Business Administration from the Universidad Comercial de Deusto (Spain) and holds a PDG from the IESE Business School (Spain).

Javier Rodriguez Soler is a seasoned M&A and Corporate Development Executive, with 23 years’ experience, 12 of them in two of Spain's top tier International companies.

The General Data Protection Regulation is a new EU-wide law that will strengthen the data and privacy rights of EU citizens once it becomes effective on May 25, 2018.  As a novelty, the GDPR introduces the right to portability of personal data, which will allow a customer to share the personal data which he/she has provided to a company with other companies with which he/she engages.

José Luis de los Santos Tejero (born in Almadén on 27/11/1956) is the Chief Audit Executive for BBVA Group.

Ten years after the crisis broke, has financial stability improved? In the opinion of  Ricardo Gómez Barredo, Head of Accounting & Supervisors at BBVA, “clearly, we have come a long way,” but adds “regulation will have to continue to adapt itself to the new demands to ensure a level playing field for everyone”.

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.