Francisco Gonzalez, chairman of Banco Bilbao Vizcaya Argenta

SPAIN - JANUARY 28: Francisco Gonzalez, chairman of Banco Bilbao Vizcaya Argentaria SA, announces the fourth-quarter results during a news conference in Madrid, Spain, on Wednesday, Jan. 28, 2009. BBVA, Spain?s second-biggest bank, said today it would cap its payout to shareholders at 30 percent from 44 percent, while ruling out the need to raise new capital. Earnings fell 62 percent in the fourth quarter on Madoff-related losses and provisions for a surge in bad loans. (Photo by Denis Doyle/Bloomberg via Getty Images)