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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Cotización de las Principales divisas en tiempo real

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BBVA to cut dividend; profit misses expectations : Report

By Christopher Bjork
Banco Bilbao Vizcaya Argentaria SA said  it will cut the dividend payout on this year's earnings and pay more dividends in shares, the latest in a string of steps taken by Spain's second-largest bank to bolster its capital
The announcement came as BBVA reported lower-than-expected profit for the third quarter The bank said net profit totaled 195 million euros ($269.1 million), up from EUR146 million a year earlier, but well below analyst expectations of about EUR552 million
Profits in the quarter were hit by charges related to BBVA's real estate portfolio, its recent takeover of a savings bank, and other adjustments
The decision to lower the dividend comes after Spain's central bank earlier this year told lenders to focus more on strengthening their capital and set guidelines for how much they can pay out to shareholders until the Spanish economy recovers
BBVA earlier this month took a big loss on the sale of its stake in Chinese lender China Citic Bank Corp., a move that also bolstered the bank's capital cushion
The bank said it will cancel the 2013 dividend of EUR0.1 per share cash that was due for payment in January next year, and increase the payment due in April, to EUR0.17 from EUR0.12
Shareholders can choose whether they want to receive this dividend in shares or cash
In the future, the bank said it plans to change this more restrictive policy and pay dividends in cash, and pay out a higher proportion of profits
Like its Spanish rivals, BBVA last year carried out a clean-up of its property portfolio, after the government told lenders they needed to sharply increase their loss buffers on this type of asset in the wake of a massive housing bust
And this year, banks have been told by their regulator that they must review the part of the loan book that has been refinanced, and set aside cash to cover losses on any loan that looks at risk of default
BBVA in the third quarter set aside a total of EUR1.85 billion to cover souring loans, less than the EUR2.04 billion it provisioned a year earlier at the height of Spain's banking crisis
But BBVA's ratio of bad debts to total loans jumped to EUR6.7% of outstanding loans by September, from 4.8% a year earlier
In the first nine months, BBVA said its profit stood at EUR3.08 billion
However, the China divestment will result in a EUR2.3 billion loss which the bank will assume in the fourth quarter
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