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How to read a bank balance sheet?

How to read a bank balance sheet?

Summer days are dropping like the gold, brown and red leaves of fall. School has started for students across the nation, and vacation days are becoming few and far between. But why not plan ahead and think about investing in a property that could bring both memories and lucrative situations?

34 years old man with a college degree and a master’s. He has spent time working as an employee yet always wanted to create his own business – and he has established more than one startup. This is the profile of a Spanish entrepreneur described in the new study by South Summit, which will hold its next event on October 2nd – October 4th, with BBVA’s support.

Summer vacation is the best time to include some fun and educational activities on financial literacy in children’s games. This way, almost without realizing it, little ones can learn basic concepts like saving and consumption that will be very useful to them in the future.

Even though sustainable finance has been a fundamental issue in the social agenda for many years now, thanks to the 2015 Paris agreement on climate change, the world became aware of the environmental risks and economic impact resulting from the effects of climate change. However, it is not just society that is increasingly more aware. The financial industry is also contemplating climate change and the Sustainable Development Goals (SDGs) as relevant factors to determine their investment strategy.

  • Community Investment: BBVA and the Montrose Center, along with Houston community leaders, break ground on an affordable, LGBTQ-affirming independent senior living center.
  • Retail Banking: BBVA USA Retail Banking Head Çağri Süzer highlights why branches and digital are complementary forces for the bank.
  • Small Business: BBVA and the Houston Dynamo announce their annual small business contest.

Good financial health is a growing and serious concern. Individuals who exhibit financial vulnerability may spread negative effects to their households, compromising their well-being. It is therefore critical to understand financial health and the extent to which it can contribute to improved financial resilience. According to a recent report by BBVA Research, digitalization and financial education are key elements to be included in any public or private measures intended to help improve individual financial resilience.

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The extinction of species, the rise in temperatures and major natural disasters are some of the consequences of climate change. Countries and industries are aware and work to combat the planet’s accelerating pollution. Are there any viable solutions? According to some researches, using big data and machine learning could help drive energy efficiency, transforms industries such as the agriculture and find new eco-friendly construction materials.

Yet another year, BBVA has been included in the Dow Jones Sustainability Index (DJSI), the market’s leading benchmark index, which measures the economic, environmental and social performance of the world’s most valuable companies.  BBVA’s inclusion in the DJSI World and DJSI Europe indices was announced today Friday, September 13. Also, for fifth consecutive year, Garanti BBVA earned a spot in the DJSI Emerging Markets.

Large technology companies, or bigtech, have a large customer base, access to a massive volume of data and financial strength. While banks also have some of these attributes, it is the network effect technologies that companies benefit from that could ultimately undermine data-fueled innovation that is causing regulators and businesses alike concern. According to Santiago Fernández de Lis, the Head of Regulation at BBVA, if we want to ensure the continued growth, innovation and sustainability of the digital economy, we need to shift our approach to regulation from a national, sectoral approach to a truly cross-border and intersectoral approach.

In recent times, EU institutions have made significant headway in developing a credible banking union. But despite progress, there is still a lot of work to do. According to José Manuel González-Páramo, Executive Director and Global Head of Economics and Institutional Relations at BBVA, the Europe’s new lawmaker team must promote new reforms to advance towards a true union.

Last week, Eduardo Osuna Vice President and General Manager of BBVA in Mexico, conducted a “teach-in” for analysts who follow both the bank and the Spanish banking sector in general. He used the meeting organized by BBVA to talk about the Group’s Mexican affiliate and stress the bank’s positive performance at every level.

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Garanti BBVA held the Turkish round of the world’s largest fintech competition, BBVA Open Talent, for the fourth time at the Impact Hub in Istanbul. Five startups reached the finals of the event, which encourages innovating businesses to submit cutting-edge creative projects that contribute to financial technology. Pisano was the event’s top prize winner and as such has qualified to attend the BBVA Open Summit in Madrid on October 24.

The term agribusiness is used to refer to economic activities derived from or connected to farm products. In other words, crop production, as well as crop processing, transportation and distribution. Agriculture and all of its economic, social and demographic derivatives… a sector that has an impact on practically all the Sustainable Development Goals (SDGs).

Crooks have tapped into a goldmine by getting personal data over the phone. This scam, known as vishing, is a new method of social engineering, which is rooted in the psychological manipulation of its victims.

Is it possible to show that something is true without revealing the data that proves it? This is what ‘Zero Knowledge Proof’ technology proposes, a technique which employs cryptographic algorithms so that various parties can verify the veracity of an item of information without sharing the data that compose it.

Soccer fandom is sweeping the nation, from the World Cup victory by the U.S. Women’s National Team to thrilling matches in Major League Soccer and the National Women’s Soccer League to the thousands of fans who pack pubs and bars to watch matches from around the world every weekend. But in sports, the game itself is no longer all that attracts fans to the arena. Tech-savvy millennials expect an “Instagrammable,” in-stadium experience, or else they’ll stay back and watch at home. Recognizing the demands of its growing fan base, Major League Soccer’s Houston Dynamo and the National Women’s Soccer League’s Houston Dash selected Extreme Networks, Inc. (Nasdaq: EXTR) Smart OmniEdge™ solution to provide high-density, professional-grade Wi-Fi connectivity in its home field, BBVA Stadium. The free fan Wi-Fi experience is presented by BBVA USA.

Picture of La Vela of Ciudad BBVA, ©Carlos Benítez-Donoso

BBVA is a customer-centric global financial services group founded in 1857. The Group operates in more than 30 countries and has a strong leadership position in the Spanish market, is the largest financial institution in Mexico, it has leading franchises in South America and the Sunbelt Region of the United States. It is also the leading shareholder in Turkey’s BBVA Garanti.

Ricardo Martin Manjón was named as BBVA Global Head of Data in April this year, having previously been the bank’s Global Head of Data Strategy and Data Science Innovation. His role sees him lead the bank’s development, deployment and future thinking around how BBVA drives forward its use of data throughout the Group, so it can achieve its strategic objective of bringing the age of opportunity to everyone.

In this interview Martin Manjón outlines why BBVA has a strategic focus on data, how that manifests itself across the entire group, what it will mean for customers in the future and the critical importance scale plays in data management.

BBVA Momentum, the BBVA program that supports social entrepreneurship, is entering its second half. September kicks-off with new training sessions for the selected social enterprises from participating countries: Colombia, the United States, Mexico, and Turkey. In a short couple of months, the most ambitious round of BBVA Momentum to date – with a record-breaking 169 participating social enterprises – will draw to a close.

Internet shopping is more and more common: grocery shopping, movie tickets, airline travel, and more. Shopping online has become habitual day-to-day practice, though occasionally potential buyers leave themselves open to fraud or data theft. The following cybersecurity tips serve to reduce the risks associated with card payments on the Internet.

‘Learning Together,’ the educational program BBVA delivers in collaboration with Spanish newspaper ‘El País’ and the Santillana Foundation, continues to build on its success. The initiative was kicked-off in January 2018 and aims to promote education, positioning it as one of the basic cornerstones of our society.  In only 18 months of operation, this innovative educational program, which has hosted more than 120 guest experts representing a diverse range of fields, has reached 500 million views.