Publications

The images of the floods that hit Valencia last October are still fresh in the collective memory. BBVA Research has developed an analytical framework to make the most of the available information and quantitatively assess both the impact and recovery after a climate disaster.

This note proposes a framework to estimate the employment effects of floods in Spain, combining imputed damage data with a spatial panel model. These extreme events cause job losses and regional spillovers, but timely aid mitigates them. The DANA in Valencia illustrates the frameworks' accuracy and its policy relevance.

A description of the social situation of Colombians, not only with figures on poverty and income, gender gaps, labor market, among others, but also identifying its determinants, their performance and some policy proposals to achieve a better social balance of the country.

Insurance growth, following a steady progress during the past years, will slow to 2,8% in 2020. The implementation of the autonomous car would imply a reduction in the number of accidents and the cost of premiums. People who subscribe health insurance have healthy lifestyles and are generally healthier than the rest.

Insurance projections for 2018 and 2019 show a general improvement, once corrected the volatility in the life savings branch during 2017. Insurance online purchases are still very low in Spain compared with the European Union, but their growth is very significant. According to BBVA big data, car insurance is the most purchased one by card online.

The Omnibus II Directive clears the way for Solvency II and clarifies the regulatory scope of its application in institutional terms. It approves new reporting measures and ways of valuing assets and liabilities that mitigate the problem of cyclicality in the calculation of capital. The new date for Solvency II to come into force is 1 January 2016.

• Sólo 22% de los adultos cuentan con algún tipo de seguro privado • Se establece el Seguro Obligatorio de Responsabilidad Civil para Tránsito Carretero • La Reforma Financiera prohíbe las ventas atadas a la contratación de algún producto o servicio financiero • En abril de 2015 entrará en vigor la nueva Ley de Instituciones de Seguros y Fianzas