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    Ana Rubio
    Ana Rubio
    BBVA Regulation - Head of Financial Regulation

    Ana Rubio worked from 2005 to December 2018 for BBVA Research. Since January 2019 she moved to Regulation and Internal Control, in the Regulation unit. In BBVA she was Head Economist of Financial Systems Unit and she has also participated in the analysis of the consumption, real estate and financial system sectors, both from a national and international perspective. Previously, she worked for Arthur Andersen Corporate Finance, and Oliver Wyman.

    She has a BA in Economics from Complutense University and a Master in Economics and Finance from CEMFI, Bank of Spain.

    Latest publications

    December 3, 2021

    Climate Objectives in Central Banks’ Funding Operations: how close to Green TLTROs?
    Refinancing operations are a core monetary policy tool to provide liquidity for credit institutions. Recently, some central banks, such as the Bank of Japan (BoJ), have started to align their objectives with the goal of a transition to a low-carbon economy, linking its monetary policy to climate change objectives

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    January 21, 2019

    Resilience of mortgage lending
    If economic crises serve for anything it is for us all to learn from our mistakes. Now that the worst is behind us, we should have been thinking for some time now about how to fix what didn’t work and how to safeguard what did.

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    June 21, 2018

    The use of cash and its determinants
    The digital revolution is leading to an increased use of electronic payment instruments; however, cash is still used in 79% of retail payments. This note analyses the factors driving the use of cash for payments across EU countries classified in four categories: access to cash and banking products, degree of digitalisation, macroeconomic environment and cultural factors.

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