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Banks maintain levels of capital and liquidity above regulatory minima, along with higher profitability, even with a higher cost of risk. All the portfolios that make up bank credit to the non-financial private sector (NFPS) have registered growth in real terms.
The main banking indicators for the first half of 2023 are now public, revealing a reduction in credit and deposits, but a significant rise in interest rates on loans compared to a very timid increase in interest rates on deposits.
The current credit portfolio to the Non-Financial Private Sector closed 2022 with real growth of 4.6%. The 9.1% real annual growth of consumer credit stood out. Traditional bank deposits grew by a real annual 1.8% in December 2022. Among these,…
In this publication you will find, on a weekly basis, our selection of the most relevant news regarding financial regulation.
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.
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.
In January 2021, the balance of current credit granted by commercial banks to the non-financial private sector once again registered an annual fall in nominal terms, which was -1.3% (-4.6% in real terms), practically the same as that observed in December (-1.2%).
In December 2020, the balance of current credit granted by commercial banks to the non-financial private sector registered for the second consecutive month a nominal annual fall, which was -1.2% (-4.2% in real terms), higher than the reduction …
In November 2020, the balance of outstanding credit granted by commercial banks to the non-financial private sector registered a nominal annual fall of -0.8% (-4.0% in real terms), the first contraction observed in this credit aggregate since A…
In August 2020, the balance of current credit granted by commercial banks to the private sector grew at a nominal annual rate of 2.7% (-1.3% real), lower than the nominal rate observed the previous month (4.9%) and the nominal rate of 8.9% obse…
In July 2020, the balance of current credit granted by commercial banks to private sector grew at a nominal annual rate of 4.9% (1.3% real), lower than the nominal rate observed the previous month (6.5%) and the nominal rate of 8.6% registered in the same month of 2019, reducing its dynamism for the third consecutive month.
Nowadays, unlike in the 2008 global financial crisis, there is no credit crunch which would make the economic recovery more difficult. This time, what's happening to credit?
