When you’ve found the perfect house and the seller has accepted your offer, waiting to complete the home loan closing process - which can take around 40 days - can feel torturous.

Blockchain is one of the most disruptive new technologies in the world of finance. But currently its use in the sector is focused mainly on the underlying technology - Distributed Ledger Technology (DLT)- to create applications or redesign processes rather than in creating cryptoassets. The reason? Blockchain applications have the potential to improve the efficiency, transparency and traceability of processes while cryptoassets are volatile.

Anne-Joëlle Viguier-Galley is BBVA Compass’ Chief of Equity and Alternative Investments for the bank’s Global Wealth team. She also doubles as the Chief Investment Strategist for BBVA Wealth Solutions, Inc., the bank's investment adviser affiliate. 

Money isn’t very valuable if you can’t spend it. And during disaster situations -- from tornados to ice storms and everything in between -- a power outage could leave you feeling penniless, without access to ATMs, online or mobile banking, or debit card transactions.

Last year, a product that had been practically unheard of took the world of corporate financing by storm: green loans. These are loans aimed at advancing environmental sustainability and until quite recently came under the umbrella of Green Bond Principles. As of a few months ago they now have their own guidelines known as Green Loan Principles.

Moody’s has affirmed BBVA’s A3 rating, maintaining a stable outlook on the Group’s financial debt. The ratings agency said the rating affirmation reflects the resilience of BBVA’s credit profile to the deterioration of the operating environment in Turkey.

BBVA has reaffirmed its leadership in sustainable financing with the execution and structuring of the first revolving credit facility (RCF) for the power utility A2A in Italy. The bank acted as an advisor, sustainable coordinator and documentation agent, heading a finance deal valued at €400 million euros.

Luisa Gómez Bravo, Global Head of Investment & Cost Management BBVA Group.

Luisa joined BBVA almost 20 years ago. During this time, she has held various positions in the bank, moving up to become the main financial head overseeing the Group’s investments and spending and, specifically the ‘Single Development Agenda’  (SDA).

She studied at ICADE and graduated with degrees in law and business administration. She lived in London for several years where she worked for American investment banks. Her view of BBVA is that it has always given her the opportunity to learn and develop. “That's my main motivation.” she states.

Passionate about her job, she gets excited when she talks about the new way of working – using agile methodologies in small, multidisciplinary teams with quarterly product deliveries that enable fast results. “It's exciting because your effort becomes tangible” she remarks when interviewed about the implications of the new management approach, which prioritizes resources on a global level according to the impact each project could have on BBVA's business.

There are virtually no BBVA Compass branches in the Los Angeles area. When Stephen Flynn accepted his position as the bank’s Los Angeles Market President in December, the client list was significantly smaller than it is today.

Companies, just as individuals, have financial needs related to the management of liquidity and working capital in the short term. The term 'Working capital' makes reference to those solutions, which include 'factoring', 'confirming', bilateral loan, commercial discount, guarantees, 'leasing' and 'renting'.