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Jaime Zurita
Jaime Zurita

Principal Economist

•Support and coordination with other areas of BBVA on matters related to the banking system
•Analysis and follow-up of the main issues and functioning of the banking sustem
•Monitor and coordination of the different works carried out within the Financial System Unit
•Design and preparation of quarterly papers/publications about Banking

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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Spain: household and company deposits shrank slightly in February

By , , , ,

The latest figures for deposits published by the Bank of Spain show that Spanish household and corporate deposits fell by EUR800mn in February. After seasonal adjustments, the drop is higher: -EUR1.7bn.

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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Concentration and competition in the banking system

Document Number 14/23

By

This paper discusses the existence of a relationship between market concentration and the degree of competition in the banking systems. The main finding is that no such link can be found as a general rule.

Geographies:Global
Topics:Banks

Available in Spanish

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The restructuring of the Spanish banking sector up to the recovery of credit flows

Document Number 14/12

By

The Spanish banking sector has gone through one of the most comprehensive and thorough restructurings in the eurozone. This paper reviews the successive measures taken to reform the banking sector since the crisis began, particularly those adopted from February 2012 onwards to adjust asset value, the signing of the Memorandum of Understanding with the Eurogroup which marks out the route-map towards the end of restructuring, and the changes and adjustment processes which have been introduced to comply with this, culminating in the recapitalisation of part of the sector with public funds. It also analyses the competitive scenario in the sector after the reform, and takes a view on the measures most recently adopted to encourage an appropriate solution for credit refinancing, as well as the banking sector’s capacity to support the Spanish economy’s incipient recovery.

Geographies:Spain
Topics:Banks

Available in Spanish

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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