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Finance

Finance

  • Transformation: More than half of BBVA customers are digital, meeting the target set for 2018
  • Income: Operating income grew 6.2 percent at constant exchange rates, thanks to the increase in recurring revenues and cost discipline
  • Risks: BBVA showed strength in risk indicators, with an NPL ratio declining to 3.9 percent, and a coverage ratio of 73 percent
  • Solvency: At the end of December, the fully-loaded CET1 ratio stood at 11.3 percent
  • Shareholder value creation: The tangible book value per share plus dividends grew 10.1 percent in 2018, while the ROE increased to 11.6 percent
  • Dividend: A cash payment in a gross amount of €0.16 per share, to be paid in April as final dividend for 2018, is expected to be proposed for the consideration of the competent governing bodies

Banks play a fundamental role in the planet’s sustainability due to their ability to finance sustainable activities and manage risks. This was the main topic discussed at a panel in Davos, Switzerland in which José Manuel González-Páramo participated. BBVA’s Executive Board Member and Head of Global Economics and Public Affairs encouraged all banks to join the Principles for Responsible Banking to press for this change. In his opinion, these principles give banks the opportunity to demonstrate their commitment to society.

Several initiatives were launched in 2018 that will lead to new legislative developments - primarily related to the implementation of the Basel framework and the completion of two major European projects: the Banking Union and  the Capital Markets Union. These are some of the regulatory trends for 2019 that BBVA Research principal economist María Victoria Santillana explores in an op-ed published in the newspaper, Expansión.

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Global banks face six major challenges when tackling their anti-money laundering efforts: their international footprint, supervisory pressure, maximizing efficiency and effectiveness, leveraging technology, recognizing specialized talent and raising awareness among society about how important it is that everybody collaborates with financial institutions.