let's start with bbva, the spanish bank. it has reported second-quarter net income of 2.0 3 billion euros, beating estimates. it also got tier one capital ratios of 13%, slightly lower than estimates there. it is buying back up to one billion euros of shares because of this profit jump. yesterday, bbva named the new ceo, a 20 year veteran of the bank. has been caught in the headwinds of the ecb rate cycle drawing to a close and political uncertainty in spain which raises questions about the bank levy there. the shares are up almost 30% year to date. let's stick with spanish banks but move to barcelona because we have bank earnings from caixabank. net income of 1.2 8 billion euros in the second quarter, beating estimates of 1.4 billion. the bank plans to start a new 500 million euro share buyback net interest income also. we will hear from the ceo at 7:30 a.m. u.k. time. let's stick with banks of a move to standard chartered. has raised forecasts for income growth for 2023 and double down and share buybacks. rising interest r