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At the end of July, the European Banking Authority (EBA) published the results of its stress test on European banks. The aim of these tests is to assess the resilience of the institutions in the event of a severe recession scenario.
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.
Overall, the relatively modest downward revision in growth projections and the delinking of the tapering from the rate rise scenarios allows the ECB to convey a hawkish message while freeing itself to make the decision on rates more data depend…
During October 2021, traditional private sector deposits increased in real terms, driven by employment and the rate hike cycle. The current credit portfolio granted by commercial banks to the non-financial private sector (NFPS) grew 0.2% in nom…
In 3Q21, the percentage of companies that obtained financing increased, while the recovery in demand for automotive credit has lagged in comparison to other segments. In a context of increased volatility in financial markets, the International …
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.
As some signs of an economic slowdown lurked in June, households were unable to consolidate their spending pattern and, once again, contributed to an increase of total bank deposits. Corporates unexpectedly supported this increase possibly influenced by the outlook of higher interest rates.
Slightly more than half of the upturn in bank deposits between February 2020 and April 2021 can be explained by the increase in demand deposits from individuals. How much longer will this trend last? The answer will be known in the coming month…
At present the significant growth in demand deposits has more than offset the slump of term deposits. Given that the rise in demand deposits can be related to temporary factors, the underlying question is: To what extent and how fast will house…
The last weekend of March saw the Spanish Government make the isolation measures in the country more restrictive, bringing a halt to all non-essential activity in the fight against the COVID-19 pandemic. Activities considered essential include …
Bank assets growth picked up to 7.7% in Q3 2019 supported by a higher loan growth rate. Assets quality worsened and diverged among big and smaller banks. Capital adequacy ratio dropped on faster growth in risk-weighted assets, small banks are facing deteriorating conditions in funding through NCDs and bond market.
Under BRRD 2, European banks’ MREL deficit is €112bn (63% attributable to O-SIIs and non-systemic banks) and €188bn lower than 2018 results, mostly explained by issuances of €194bn during 2018–2019. Erosion of profitability is now critical, with interest expense increasing 2.3-3.2%. Basel IV significantly increase needs.
