More than 650 of the bank's professionals have benefited from international experience in recent years. The initiative provides clear rewards for employees, but also for the bank, since the programs foster corporate culture, train staff in strategic skills and build loyalty among in …

Gamified experiences: a unique way to learn. Training at Campus BBVA is recognized in the market for its innovative learning experiences that promote practical application in daily work activities. For employees who prefer interactive learning, the bank offers The Camp, a gamified platform designed to enhance skills in strategic areas identified by BBVA, such as sustainability, cybersecurity ...

Apr 9, 2024 · The essential role of banks in society is to attract savings from families, companies and other agents and then lend it to others. A bank borrows in the short term (deposits) and lends in the long term (credits). The management of this time mismatch generates a benefit but also entails a series of risks.One of the biggest ones is keeping the necessary liquidity to meet the cash needs of those ...

Under the current accounting standard for provisions (IFRS 9), introduced in 2018 and based on expected losses, the provision for losses (and therefore the coverage ratio) and the cost of risk reflect expectations that depend on the quality of portfolios and the macroeconomic environment. The NPL ratio includes customers in a situation of actual default and also customers who, although up to ...

Jan 14, 2025 · Generative AI, 'deeptech' and APIs have been prominent technological trends in recent years' predictions. But will 2025 mark the breakthrough year for quantum technology, as advocated by the UN? And will AI agents represent a key milestone on the path toward general artificial intelligence or 'Strong AI'? These are some of the technological trends expected to take center stage in 2025.

Oct 11, 2024 · Lastly, the combination of the two banks would unlock synergies estimated at €850 million gross per year, by stripping out certain expenses that each of them currently incurs separately. BBVA estimates that it could save around €450 million per year in overheads and technology costs, while also saving €300 million in personnel costs and a further €100 million in borrowing costs.

1. Approach to the operation. First, the company talks to the bank and explains its need for financing.The bank analyzes the company’s financial situation, determines whether a bond issue is appropriate and if the company meets the essential requirements for the market.. 2. Rating analysis and documentation preparation. In order to issue a bond on the market, it is recommended that the ...

These are the most important differences between the two products in a financial world in a constant state of flux and innovative evolution. This is evidenced by the unprecedented growth in green products and services that cover both loans and bonds. 2017 was an important year in the development and push of sustainable financing. Green bonds issues in volume terms beat all records with growth ...

Since it is a financial product, banks usually ask for a series of requirements before granting a credit card. By taking into account the client's profile, the bank will accept or deny its concession based on the risk criteria. The basic requirements to get a credit card are: being of legal age and having a bank account to direct the payment of the borrowed money, although the conditions vary ...

A bank’s markets division, also known as its Treasury, is part of its wholesale banking business. It is a highly specialized area that seeks to meet institutional and corporate customers’ investment and risk coverage needs. The retail banking area serves individual customers and also receives support from the markets area to design and manage products and manage the associated risks.