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Torres Vila emphasized how important this region is to BBVA, being the region that contributes most to their business in Spain plus the fact that one in four new SME customers are from Catalonia. As regards banking sector concentration after the merger, the BBVA president ruled out that this operation could complicate competition matters because the resulting bank would be smaller than those created by previous mergers. He also pointed out that competition must be analyzed from a nationwide perspective because business strategies are defined at the national and not at the regional level. When asked about the possibility of a reduction in lending in the wake of this operation, Carlos Torres Vila said that lending did not fall in the years following recent mergers — on the contrary, lending increased across the system in the first year after the merger. The BBVA president highlighted the need for European banks to become bigger in order to spread their tech overheads over a larger customer base. During his speech, Carlos Torres Vila emphasized the huge impact that digitalization has had on the banking sector in recent years. This also means an increase in customer interactions with the bank through digital channels, which have doubled in recent years. One effect of this paradigm shift is higher tech overheads to enable systems to support the increase in transactions whilst remaining robust and secure against cyber-attacks, he explained. This trend will increase as technologies such as artificial intelligence are adopted. Esade Matins are meetings where the leaders of foremost companies and institutions address their own challenges and aims, and reflect upon their careers in them. Where to find us. The program content is not available in the language in which you are browsing. News News. Latest News. Pablo Bustinduy at Esade: 'We must establish a deinstitutionalized model for the care of the elderly'' 14 Oct, 3 min read. Esade and Alsea join forces to transform sustainable talent management 2 Oct, 2 min read. Robert Tornabell Carrio. Luis E. Echebarria Ariznabarreta. Fernando Trias de Bes Mingot. Change language The program content is not available in the language in which you are browsing Change to English Change to Spanish Change to Catalan.

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