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In this publication you will find, on a weekly basis, our selection of the most relevant news regarding financial regulation.

The momentum of the credit to the private sector lingered in October underpinned by the highest monthly growth of the credit card balance since 2013. The composition of bank deposits is leaning towards term deposits as interest rates remain high and economic activity has surprised to the upside recentley.

In 2Q22, the recovery of credit activity was reflected mainly on the financing of households (consumption and housing), while financing to companies still shows slow dynamism. This recovery was supported by the sustained growth of formal employ…

Housing credit from commercial banks registered better granting conditions and a recomposition in their destination, while the automotive segment showed a drop in real terms, despite offering better conditions on both terms and interest rates. …

In August 2021, the nominal balance of the current loan portfolio granted by commercial banks to the non-financial private sector fell 3.1% annually (-8.3% in real terms). By credit aggregates, the annual nominal variations were: consumption, -…

The withdrawal of Accendo banking license does not represent a risk for the stabilility of the banking system. This was confirmed by the Financial System Stability Board as it stressed that the fundamentals of the system remain sound. However, concerns about the weakness of the credit granted to the private sector prevail.

For the third consecutive month, the contraction in the annual growth rate of current portfolio balances to the non-financial private sector has been milder, which reaffirms that total bank credit is on the way to a recovery, although its magnitude differs across portfolios.

Unlike in previous crises, lending has not slowed down during the pandemic—at least not in all segments— with a fall in household loans, but a big increase in corporate lending.

A milder contraction in the annual growth rate of outstanding balances for the second consecutive month provides encouraging signs that the negative impact of the pandemic on banking credit has moved past its worst point and could be on a recov…

May could represent a turning point in the dynamics of credit to the NFPS, with a smaller contraction than the one in April and a better performance of the portfolios that comprise it. An improvement in the activity and employment indicators in…

In April 2021, the nominal annual contraction of current commercial banking credit to the non-financial private sector was -8.8% (-14.1% real). Despite the improvement in some indicators of economic activity, the different portfolios showed a lag in their recovery.

During February 2021, the nominal balance of the current loan portfolio granted by commercial banks to the non-financial private sector fell 2.0%. The annual rate reduction in nominal balances was greater than in January (-1.3%), accentuating the downward trend observed since May 2020.