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Recent troubles at some shadow banks show the vulnerabilities of its funding model and could translate into liquidity problems for the sector. However, at present, this situation does not represent a risk for the financial system as a whole.

Credit to households has shown greater recovery and is the main impulse for the growth of financing to the private sector, while the weakness of business financing lingers. Likewise, demand deposits maintain their dynamism, while the growth of time deposits remains in red figures.

The reduction in COVID-19 cases during October seems to have influenced a heterogeneous boost to credit, while the relevant rise in formal employment and the cycle of monetary tightening were reflected in an incipient change in the trend of ter…

Fundamentals have been overweighted by Pandemic dynamics when explaining banking deposits, as consumption constrains and precautionary savings have supported sight deposits since March 2020. Going forward, the absence of a winter COVID wave cou…

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, -…

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.

Households did not consolidate their spending pattern and increased their liquid balances again in June, while bank credit reduced the magnitude of its contraction, falling 6.1%.

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 total credit to the non-financial private sector, with an aggregate contraction smaller than the one experienced in April and a better performance by portfolios, while bank deposits also sh…

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…