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Jose Felix Izquierdo
Jose Felix Izquierdo

Senior Economist

Jose Felix Izquierdo Economist Financial Systems Unit BBVA Research by the quantitative analysis and econometric modeling of the main variables of the financial systems in Spain and South America.

 

Previously to this position, José Félix Izquierdo was Economist in the areas of Spain, Europe, the OECD, and Methodologies and Modeling of BBVA Research, was Economist at the Department of Economic Analysis of Red Eléctrica de España (REE), and Economist in the consulting Predyco SL.

 

He obtained the Degree in Quantitative Economics in 1985 at Universidad Complutense de Madrid, and an MsC in Econometrics and Time Series at Centro de Formación del Banco de España in 1987. He is the author of several publications of economic and financial papers published in specialized magazines and contributor to financial press.


Latest Publications

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The impact of European banking consolidation on credit prices

Document Number 17/08

By , , , ,

The crisis has made obvious the fragility of some aspects of EMU, like financial fragmentation and the need of banking consolidation. Banks have merged due to the vulnerability of some players or in order to improve the profitability/efficiency of the sector.

Geographies:Europe
Topics:Banks

Available in English

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Impact of capital regulation on SMEs credit

Document Number 17/01

By , , ,

The Supporting Factor was introduced in Basel III with the aim of avoiding a reduction in the flow of new credit to SMEs, and the CRR revision published in November 2016 even proposes enlarging its scope to exposures above €1.5bn (but with a lower parameter).

Available in English

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Spain | The new credit is slowing in the first quarter of 2016

By

The new credit flows in Spain fell in March 2016 -23.7% yoy, and the cumulative flows in the first quarter -7.2% yoy. In the first quarter the loan to companies over € 1 million (Corporate) has evolved worse than expected.

Geographies:Spain Europe
Topics:Banks

Available in Spanish

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Spain | The new credit is ongoing increase but slows in the fourth quarter of 2015

By

New loans in Spain fell in December -12.1% (yoy), while the cumulative flows during 2015 increased by 12.0%. During the last quarter the portfolio over of 1 million € loans to companies (Corporate) has evolved worse than expected.

Available in Spanish

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Spain | Deposits increase by €10bn in the fourth quarter

By ,

The latest figures published by the Bank of Spain show an increase of the deposits of Spanish households and non-financial corporations in the last quarter of 2015. In the twelve months of 2015 deposits were flat despite monthly fluctuactions. The interest rate of deposits continues in a downward trend.

Geographies:Spain
Topics:Banks

Available in Spanish

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EMU: determinants of mortgate interes rates in the euro area

By

The peculiarity of mortgage rates in the euro area lies in the different national mortgage markets with several factors (type of source of funding, cultural differences, national regulations, inflationary history, etc) which characterizes the choice of interest rate.

Geographies:Spain Europe
Topics:Banks

Available in Spanish

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Spain | Deposits fall €6bn in the quarter but increase when they are seasonally adjusted

By , ,

The latest figures published by the Bank of Spain show a decrease of the deposits of Spanish households and non-financial corporations in the third quarter of 2015. However, seasonally adjusted these deposits increase in €5bn. The interest rate of deposits continues in a downward trend.

Geographies:Spain
Topics:Banks

Available in Spanish

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Spain | The data on new lending keeps the pulse of growth in the third quarter

By

The flow of new lending transactions in Spain consolidated the turnaround seen in late 2014, growing 23.2% in September (yoy) and 17.2% (yoy) in 2015 accumulated. During the last quarter all portfolios have evolved beyond their expectations.

Available in Spanish

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Spain | Household and corporate deposits fell in August, in line with forecasts

By ,

The latest figures on deposits published by the Bank of Spain show a drop in the household and corporate components (€-2.6bn) which diminishes to €-0,6bn when seasonally adjusted.

Geographies:Spain
Topics:Banks

Available in Spanish

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Spain | Household and corporate deposits fell in July, in line with forecasts

By ,

The latest figures on deposits published by the Bank of Spain show a drop in the household and corporate components. In spite of this, after seasonal adjustment these have remained practically stable.

Geographies:Spain
Topics:Banks

Available in Spanish, English

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In January household and company deposits fell by EUR12bn, as expected

By , , , , ,

In January 2015, household and corporate deposits shrank by nearly EUR12bn. 70% of this reduction is accounted for by seasonal effects. Thus, once seasonally adjusted, deposits corrected by nearly -EUR4bn.

Geographies:Spain
Topics:Banks

Available in Spanish, English

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Some international trends in the regulation of mortgage markets: Implications for Spain

Document Number 13/17

By , , , , ,

Analysis of the main characteristics of the mortgage markets regulation in developed countries, trying to extract implications in terms of the resilience of the different systems during this crisis

Available in English