BBVA reviews

Cannot lead agent any standard corporate financing Management has difficulty conceptualizing, organizing and implementing organizational improvements Spanish parent was bailed out (lucky for them) Desire to compete with the big US banks not matched by the quality, talent or execution intensity from the Spanish/US executives Approvals are slow. Underwriters and executives have difficulty with basic lending and capital markets concepts. Little accountability exists. Very few perform at standard levels. Compass acquisition is likely a $9 billion write-off if the bank was sold today Zombie bank owned by a zombie parent

There is a huge disconnect between upper management and the branches.