Cristopher: What do you study? clomipramine sandoz 75 mg Spanish banks are also taking other options to boost capital, including raising fresh equity (eg Banco de Sabadell in October) or issuing contingent convertible debt instruments (eg BBVA in April and Banco Popular Espanol in October), optimising their cost base and limiting dividends. Improvements to capital would benefit credit profiles, but asset quality and profitability remain key risks.There are several examples of industrial stake sales this year. Bankia's sale of its 12.09% interest in International Airlines Group in June provided a EUR167m capital gain and was part of its European Commission-agreed divestment plan. NCG Banco and Banco Mare Nostrum, and Kutxabank sold their 4.3% and 5%respective stakes in NH Hoteles in September, netting capital gains.