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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Banco Santander Brasil net drops as lending slows

By Rogerio Jelmayer
Banco Santander Brasil SA said its net profit declined in the third quarter, after lending slowed and costs increased as economic growth cooled again during the quarter
The Brazilian unit of Spanish bank Banco Santander SA  said net profit fell 6.8% to 1.41 billion Brazilian reais ($648 million)
The Brazilian bank accounts for an important part of Santander's Latin American operation, which is in turn the largest contributor to the Spanish bank's profits
Santander owns 75% of the Brazilian unit's shares
The bank's credit portfolio grew 7.1% in the period to BRL222 billion
Private-sector banks in Brazil have been more cautious of late amid slower economic growth
After a surprise expansion in the second quarter, economists believe the Brazilian economy slowed again in the third quarter, amid weakness in industry
Banks in Brazil were hurt in the third quarter by the central bank's decision in April to start raising interest rates, in an effort to bring down inflation, which had been above 6%
That move has driven up funding costs for banks, which haven't been able to fully pass on those higher costs to customers
Meanwhile, Santander's provisions for bad loans dropped to BRL2.7 billion in the third quarter from BRL3.2 billion in the year-ago period, while the default rate was 4.5% in the third quarter, down from 5.1% a year ago
The bank's return on equity fell to 10.6% at the end of the third quarter, from 10.9% in the second quarter of 2013
It did not unveil comparative figures for the year-earlier period.
The bank's expenses rose 2.2% to BRL4.1 billion in the third quarter
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