The document proposes building a tool called Dynamocracy to enable quick and massive change through mass decision making. It argues that while mass information and production tools exist, there are no tools for large-scale collective decision making. The document suggests creating such a tool to help enact solutions to ecological and economic crises by allowing people to share problems, build solutions, choose a solution, and apply it through a process of mass decision.
Carlos Torres Vila
Javier Maldonado
Group Executive Chairman
Group Executive Chairman
Onur Gen?
Group Chief Executive Officer
Group Chief Executive Officer
Jaime Sáenz de Tejada
Group Chief Operating Officer
Group Chief Operating Officer
Eduardo Arbizu
Group Chief Risk Officer
Group Chief Risk Officer
José Manuel González-Páramo
Group Head of Economics, Regulation & Public Affairs
Group Head of Economics, Regulation & Public Affairs
Ignacio Deschamps
Group Head of People and Culture
Group Head of People and Culture
Tomás Varela
This document discusses the importance of saving energy. It shows that between 1986 and 2007, both Thailand's population and energy consumption increased substantially. Specifically, the population grew from around 50,000 to over 60,000 and energy usage rose from about 300,000 to nearly 900,000 tonnes of oil equivalent. This rapid growth in energy consumption could create problems if not managed properly.
This research was conduceted in Khon Kaen University to seek the current situation of teaching and learning. The online student evaluation and paper-base lecturer survey data were analized and presented.
This document provides an overview of BBVA Group's performance in the first quarter of 2016, including:
1) Highlights of BBVA's global presence with operations in over 30 countries across Europe, North America, Asia, and South America serving over 66 million customers.
2) A brief history and summary of BBVA's main figures such as total assets of 741 billion and net attributable profit of 709 million for 1Q16.
3) Information on BBVA's vision, organizational structure, and business lines.
The document proposes building a tool called Dynamocracy to enable quick and massive change through mass decision making. It argues that while mass information and production tools exist, there are no tools for large-scale collective decision making. The document suggests creating such a tool to help enact solutions to ecological and economic crises by allowing people to share problems, build solutions, choose a solution, and apply it through a process of mass decision.
Carlos Torres Vila
Javier Maldonado
Group Executive Chairman
Group Executive Chairman
Onur Gen?
Group Chief Executive Officer
Group Chief Executive Officer
Jaime Sáenz de Tejada
Group Chief Operating Officer
Group Chief Operating Officer
Eduardo Arbizu
Group Chief Risk Officer
Group Chief Risk Officer
José Manuel González-Páramo
Group Head of Economics, Regulation & Public Affairs
Group Head of Economics, Regulation & Public Affairs
Ignacio Deschamps
Group Head of People and Culture
Group Head of People and Culture
Tomás Varela
This document discusses the importance of saving energy. It shows that between 1986 and 2007, both Thailand's population and energy consumption increased substantially. Specifically, the population grew from around 50,000 to over 60,000 and energy usage rose from about 300,000 to nearly 900,000 tonnes of oil equivalent. This rapid growth in energy consumption could create problems if not managed properly.
This research was conduceted in Khon Kaen University to seek the current situation of teaching and learning. The online student evaluation and paper-base lecturer survey data were analized and presented.
This document provides an overview of BBVA Group's performance in the first quarter of 2016, including:
1) Highlights of BBVA's global presence with operations in over 30 countries across Europe, North America, Asia, and South America serving over 66 million customers.
2) A brief history and summary of BBVA's main figures such as total assets of 741 billion and net attributable profit of 709 million for 1Q16.
3) Information on BBVA's vision, organizational structure, and business lines.
BBVAResultsResults Presentation
2016
- BBVA reported its 2Q16 results with solid quarterly results and earnings growth on track. Gross income grew 14.1% driven by higher net trading income and dividends.
- Recurring revenues showed a positive trend while risk indicators improved. Specific items in the quarter included gains from the VISA Europe deal and a contribution to the Single Resolution Fund.
- Attributable profit increased 5.4% vs 2Q15 driven by growth across most geographies except Spain, with a strong performance from Turkey. BBVA maintained solid capital ratios and ongoing cost control efforts.
BBVA outlines its approach to responsible banking which is based on 4 pillars: integrity, prudence, transparency, and corporate governance. It discusses key issues in the financial industry such as reputational crisis, demand for ESG performance, and new competitors. BBVA emphasizes transparency and clarity in products/fees, social investment programs, financial inclusion initiatives in emerging markets, and environmental/social programs like support for renewable energy and education. The document provides details on BBVA's governance structure and international standards to ensure accountability across its responsible banking efforts.
BBVA's CFO Jaime Sáenz de Tejada presented on the company's unique growth proposition at the 11th Annual European Financials Conference in London on March 25th, 2015. He discussed BBVA's well-diversified geographic footprint offering higher growth prospects, continued active management of its business portfolio, strong capital position and resilience to regulatory changes, and digital transformation focused on delivering the best customer experience while lowering costs.
BBVA reported results for the third quarter of 2016. Key highlights included:
- Attributable profit of 965 million, an increase of 23.1% compared to the third quarter of 2015 excluding corporate operations.
- Gross income increased 12.7% driven by growth in net interest income, fees and commissions, and trading income.
- Operating expenses grew 4.3% as the bank continued cost control efforts.
- Sound asset quality with the NPL ratio stable at 5.1% and cost of risk at 0.9%.
- Capital generation was strong with the CET1 ratio reaching 11.00%.
BBVA Group: Capital & Funding Management DirectorBBVA
?
1. The document discusses BBVA Group's capital and funding position as presented at the 2015 Deutsche Bank Yankee Bank Conference.
2. BBVA has a balanced geographic footprint supported by leading franchises in Spain, Mexico, Turkey, and the US. Over 90% of gross income comes from investment grade countries.
3. BBVA has demonstrated an ability to maintain recurring revenues and operating profit even during economic crises, outperforming European peers. Recent operating trends support continued underlying growth.
This document summarizes a presentation given by Javier Malagon, Chief Financial Officer of BBVA Bancomer, at the Barclays Global Financial Services Conference on September 14, 2016 in New York. BBVA Bancomer is the leading bank in Mexico, with over 1,800 branches and market leading positions in loans, deposits, and profits. The presentation outlines BBVA Bancomer's strategy of focusing on digital banking while maintaining a strong physical presence. It also summarizes the bank's financial results, including double-digit growth rates, solid profitability metrics, and stable asset quality.
Este documento presenta información sobre el Grupo BBVA, incluyendo su visión, transformación, resultados clave y presencia global. BBVA tiene más de 150 a?os de historia y opera en más de 30 países con activos totales de 725 mil millones. En los primeros nueve meses de 2016, BBVA obtuvo un beneficio atribuido de 2.797 millones.
BBVA presented its 2Q16 Corporate Presentation which included the following key points:
1) BBVA outlined its vision for the financial industry which is undergoing reshaping due to regulatory pressure impacting profitability, mobile changing distribution models, and new players entering the value chain.
2) BBVA's aspiration is to be a digital leader by focusing on customers and using new technologies to provide the best experience.
3) The presentation provided highlights of BBVA's results including earnings, balance sheet figures, capital and solvency ratios for the first half of 2016.
BBVA Bancomer is a leading bank in Mexico with strong market positions. It has invested heavily in digital banking and branch remodeling to improve the customer experience. Business performance is positive, with lending growth of 14.1% year-on-year and net income increasing 7.1%. The bank continues to benefit from Mexico's growing economy and structural reforms while maintaining sound asset quality and capital ratios.
This corporate presentation from BBVA provides an overview of the company in 4 sections:
1) About BBVA - Details BBVA's global presence, history, main figures, share information, organizational chart, team, and social commitments.
2) Unique banking model - Describes BBVA's transformation to become more customer-centric.
3) Transformation from and to the customer - Focuses on improving the customer experience.
4) Results' highlights - Summarizes 2015 financial results including income, assets, profits, and key metrics.