Searcher
Olga Gouveia
Olga Gouveia
Lead Economist
Spain

Olga Gouveia is Principal Economist in the Financial Systems Unit in BBVA Research with focus on the analysis of European Financial Systems.


Previously, Olga Gouveia worked in Moody's as Vice-President Senior Analyst at FIG, with leading analytical responsabilities for the ratings of Spanish and Portuguese banks.


Prior to that she worked as an Analyst and Associate in BPI Private Equity in Oporto.


She obtained a Degree in Economics from the University of Oporto, in Portugal in 1998 and an International MBA from IE Business School in 2003.

Latest publications

Although the non-performing loan ratio remained stable and the capital adequacy ratio still sufficient to meet financial needs, there is a diverging trend between large and small commercial banks. Some small banks are subject to capital shortfall amid deteriorating asset quality and persistent regulations on shadow banking.
The emergence of cryptocurrencies is opening the way to Central Bank Digital Currencies (CBDCs). This paper highlights the pros and cons of issuing CBDCs under four different variants: from the more modest proposals to the most ambitious ones where there could be a serious disruption in financial intermediation.
Between 2011 and 2017, the economy has grown on average 3.8% annually, while the LAC average is 1.7%