Banking latest publications

September 19, 2019

Banking Outlook. September 2019

The net profit of the system in the 1Q'19 was EUR 3.2 Bn. The key factors were weak revenues, cost control, and lower provisions. Deleveraging has continued, although since the end of 2018 there has been a slight upturn in total lending. The NPL ratio continues to fall and profitability has improved compared to 1Q'18.

May 30, 2019

Banking Outlook. May 2019

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.

March 7, 2019

Banking Outlook. March 2019

The quarterly earnings obtained in 3Q18 by the system (4,033 million euros) was the highest since the third quarter of 2009. In the first nine months of the year, earnings were 10,685 million euros versus losses of 4,961 million in the same period of 2017, a period in which the resolution of Banco Popular had an impact.

November 27, 2018

Banking Outlook. November 2018

Net profit in the first half of 2018 was 6,654 million euros compared with losses of 6,170 million in the first semester of 2017, period in which the resolution of Popular had an impact. Defaulting within the system as well as the deleveraging of the private sector continues. The system’s efficiency and profitability improv…

March 27, 2018

China | How resilient is the economy to housing price fall?

Real estate fluctuations have important implications for growth and business cycles in China. We investigate how vulnerable are four economic sectors including government, banking, enterprises and households to the prospective price slowdown in the housing market by analyzing the exposure of these sectors on the housing mar…

December 14, 2017

International experiences of De-dollarization: What could be done in the Turkish case?

Financial dollarization exposes countries to shocks which can trigger severe financial and economic problems. This note describes a few successful country experiences of de-dollarization. A key lesson is that macroeconomic stability and particularly price stability and low inflation is a pre-condition for starting a success…

November 16, 2017

Fintech: key regulatory challenges

Transformations in banking as a result of the new digital age are challenging financial regulation and supervision. Benefits and risks from the transformation of financial services. The European Banking Authority’s approach to FinTech. Among other issues.

June 28, 2017

Retail or not retail. Have European banks become more retail on the wake of the crisis?

In early 2017, retail banking activities represented 30% of EU banks’ balance sheet. The crisis triggered an increase in the orientation of banks towards their core banking activities. Driven by market forces and new regulation, retail deposits expanded from 22% of the balance sheet to almost 30%.