In June 2022, the nominal balance of the current credit portfolio granted by commercial banks to the NFPS grew 11.1% annually (2.9% real), while traditional bank deposits registered a nominal growth rate of 10.2% (2.1% real), maintaining the growth rate observed in the last two months.
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Inflationary persistence could reduce purchasing power to the point of generating changes in consumption patterns, which would negatively influence the demand for bank financing by households and firms, exacerbating the effect of the rise in interest rates.
In this publication you will find, on a weekly basis, our selection of the most relevant news regarding financial regulation.
Commercial banking leads intermediation of deposits and credit to the private sector. In the first quarter of 2020, the percentage of companies that received bank credit increased. Commercial banking has the solvency required to continue granti…
The Financial System addresses a number of challenges in the face of the Covid-19 pandemic: to keep an adequate financing flow, preserve appropriate liquidity and a correct operation of exchange rate and debt markets as well as to help intermed…
The net profit of the system in 2018 was €12.4 billion, the highest since 2009. The key factors affecting the results were cost control and lower provisions. The deleveraging of the private sector continues and the level of NPLs maintains its downward trend. Efficiency and profitability improved compared to 2017 levels.
The crisis has brought with it a notable increase in public debt in the countries affected, especially intense in the peripheral countries of the euro zone. The Greek crisis has fuelled a debate on the treatment of debt holdings in banking regulation and its consideration as a risk-free asset.
Trump’s arrival has meant a change of tone in the discourse around financial regulation. The severe restrictions imposed by Obama on the banking sector in response to the profound international financial crisis are now a thing of the past.
The European Commission has published its long awaited legislative proposal to amend both the prudential and the resolution frameworks in Europe. Regarding the latter, the proposal seeks to introduce TLAC for EU G-SIIs and amend MREL for other …
The Basel II agreement, adopted in 2004, introduced greater sensitivity to risk in banks’ capital requirements, which developed their own models in which capital is raised or lowered according to the risk of the assets involved.
El artículo repasa la experiencia de los bancos españoles en América Latina, donde se han expandido mediante un modelo descentralizado, de filiales jurídicamente independientes, orientado al negocio minorista y con financiación local.
On Sep 30 the European Commission released an Action Plan on Building a Capital Markets Union, after a public consultation last February. This document provides a more detailed roadmap until 2017 and specific proposals in key areas like securitization and covered bonds. In 2017, the Commission will take stock of the progres…