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  "documentTitle": "160316 BBVA MS Conference tcm927 569522",
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      "text": "Banks ROE Evolution (%)",
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      "text": "Complex macro environment; Regulatory pressure; Heavy cost structures; Undifferentiated offer",
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      "text": "Source: BBVA; Banks in peer group: Santander, Deutsche, Commerzbank, BNPP, SocGen, CASA, Intesa, Unicredit, HSBC, Barclays, Royal Bank of Scotland, Lloyds, UBS y Credit Suisse, Citigroup, Bank of America, JP Morgan y Wells Fargo.",
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      "text": "The Financial Industry has a Profitability Issue",
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