Formación Académica y Profesional
Licenciado Matemáticas (Especialidad Fundamentales) por UCM, MBA Executive, MBA Financial Markets, Project Management Excellence Certified
Financial Markets Services Consulting, IT CIO ACO Grupo Santander, IBM Global Services Principal, Electronic Data System Client Ececutive


The mathematician of the Complutense University of Madrid, José-Vidal Ruiz Varela, argues that Europe must raise its borrowing limit, leaving its deflationary policy. Meanwhile, USA must correct debt and raise the interest rates. Raising the interest rates in the USA and dropping them in Europe, recovers the European domestic demand and EE.UU may return to invest in Europe, with a stronger dollar, without any problem, generating hundreds of thousands of Jobs

Curso Superior de #AnálisisDeDatos Contacto :

Curso Superior de #AnálisisDeDatos Contacto :
40 horas. Profesor : José - Vidal Ruiz Varela

Clases Particulares para hacer crecer tu Negocio. #Bigdata #DesarrolloCognitivo

Clases Particulares para hacer crecer tu Negocio. #Bigdata #DesarrolloCognitivo
Profesor : José - Vidal Ruiz Varela

#Bigdata y #Desarrollo #Cognitivo para Personas entre 15 y 65 años

#Bigdata y #Desarrollo #Cognitivo para Personas entre 15 y 65 años
Profesor : José - Vidal Ruiz Varela

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Agenda de Economía y Finanzas en el Calendario Económico de Español.


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Cotización de las Principales divisas en tiempo real

Cotización de las Principales divisas en tiempo real
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Principales Índices Mundiales

El IBEX 35 y los Índices del Mundo son proveídos por Español.

Santander profit jumps on lower debt set-aside : Report

Banco Santander SA Tuesday said its profit rose sharply in the second quarter, as the Spanish lender set aside less cash to cover bad debts at home, offsetting a weaker performance at its Latin American business
The bank, the largest in the euro zone by market value, said net profit was 1.05 billion euros ($1.39 billion) in the quarter, compared with EUR123 million a year earlier
The number was in line with analysts' expectations
Net interest income--the difference between what a bank receives in lending income and what it pays to fund itself--fell 12% to EUR6.72 billion, also in line with market expectations
"Profits rose after more than two years of high levels of write-offs and reinforcement of capital," Santander Chairman Emilio Botin said in a press release
"We are preparing for a new period of profit growth."
Profit in the first six months was EUR2.26 billion, up 29% compared with a year earlier
Lenders, including Santander, had to assume big loan losses on their real-estate portfolio last year, leading many banks to report a loss at their Spanish operations
The Spanish commercial bank, which has a vast network of branches in Latin America, large units in the U.K. and Poland, as well as growing franchises in Germany and the U.S., said its results reflected low economic growth and historically low interest rates in Europe and the U.S. and declining interest rates in Latin America and Poland
In the first half, Santander said its profit from Continental Europe was EUR557 million, recovering from a loss last year of EUR1.21 billion, due to lower provisions and write-offs
That improvement was offset by weakness in Latin America, where profits fell 16% on the year in the first half, to EUR1.86 billion
Economic growth in Brazil and elsewhere in the region has been weaker recently, and results were also hit by a weaker Brazilian real and U.S. dollar.
At Santander's U.K. and U.S. units, profit fell 9.2% and 6.7% respectively, to EUR487 million and EUR423 million, the bank said
Santander also said it had complied with a change in criteria at the Bank of Spain for how to classify refinanced loans, earmarking EUR340 million in existing provisions to cover potential losses on EUR2 billion worth of these loans
Santander's overall loan loss provisions dropped to EUR3.07 billion in the second quarter from EUR3.40 billion a year earlier
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