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In the week ending by February 16, foreign currency adjusted weekly credit growth decelerated to 0.2% from 0.5% due to consumer credits of public banks and commercial credits of private banks. Total credits’ 13-week annualized trend rose from 27.2% to 27.5% due to carry-over impact of the final weeks of January.

Despite the suppression in core NIM, fees and commissions income, income from capital markets and FC transactions supported profitability of the sector in 2023. Regulatory capital ratios remain above the regulatory thresholds, though with increasing pressure in public banks due to their lower capital base.

In December 2023, the CNBV presented the latest update of its quarterly database on Financial Inclusion for 2023-2Q (financial services of banking and Popular Savings and Credit Entities). This note describes some results and compares them with…

In November 2023, the balance of traditional bank deposits (sight + term) registered a real annual growth rate of 5.4%, while the balance of the current credit portfolio granted by commercial banks to the non-financial private sector (NFPS) gre…

In October 2023, the balance of traditional bank deposits (sight + term) registered a real annual growth rate of 4.5%, while the balance of the current credit portfolio granted by commercial banks to the non-financial private sector (NFPS) reco…

In September 2023, the balance of traditional bank deposits (sight + term) registered a real annual growth rate of 4.7%, while the current credit granted by commercial banks to the non-financial private sector (NFPS) registered annual growth of 5.4%.

In August 2023, the balance of traditional bank deposits (sight + term) registered a real annual growth rate of 3.2%, while the balance of the current credit portfolio granted by commercial banks to the private non-financial sector (NFPS) grew 5.6% annually in real terms.

In July 2023, the balance of traditional bank deposits (demand + time) registered a real annual growth rate of 1.5%, while the balance of the current credit portfolio granted by commercial banks to the non-financial private sector (NFPS) record…

Credit is on the decline for businesses and households alike, as interest rates continue to rise. Perhaps most notably, it is doing so while the recovery continues. The deleveraging of the Spanish economy is not just a recent trend, and is like…

In May 2023, the balance of the current credit portfolio granted by commercial banks to the non-financial private sector increased at a real annual growth of 4.5% (11.2% nominal). Consumer credit contributed 2.5 pp, while the housing and busine…

In April 2023, the balance of the current credit portfolio granted by commercial banks to the non-financial private sector registered real YoY growth of 5.1% (11.6% nominal), while the balance of traditional bank deposits registered real YoY growth of 0.2% (6.4% nominal).

In March 2023, the balance of traditional bank deposits registered a real annual variation of -0.3% (6.5% in nominal terms) , while the current credit portfolio granted by commercial banks to the non-financial private sector (NFPS) exhibited a real annual growth of 5.1% (12.3% in nominal terms).