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Over the last few months, an attempt has been made to build a simple but straightforward narrative, according to which the banking sector must make an additional fiscal effort due to the increase in its hypothetical extraordinary profits, with which to contribute to the necessary income agreement.

The banking system’s capital and liquidity levels remain above regulatory minima. Financing to the private sector regains its dynamism. All the portafolios that make up commercial banking credit to the non-financial private sector have achieved growth in real terms.

In August 2022, the balance of the current loan portfolio granted by commercial banks to the non-financial private sector (NFPS) grew at an annual rate of 3.2% in real terms, while the balance of traditional bank deposits (sight + term) increas…

At its September meeting, Banco de la República increased the monetary policy rate by 100 basis points, bringing it to 10.0%, in line with BBVA Research's expectations. The decision was split, with one vote in favor of a 50 bp increase.

In July 2022, the balance of the current credit portfolio granted by commercial banks to the non-financial private sector (NFPS) grew at a real annual rate of 3.2%, while traditional bank deposits (demand + term) registered a real annual growth…

In 2Q22, the recovery of credit activity was reflected mainly on the financing of households (consumption and housing), while financing to companies still shows slow dynamism. This recovery was supported by the sustained growth of formal employment and wages that partially offset the environment of higher interest rates.

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.

A specific tax on banks leads to an equilibrium with less credit and a higher cost, lower growth in activity and employment, and lower revenues than initially expected.

The challenge for commercial banking in Mexico is to evolve in order to quickly and agilely adapt to the continuous transformation of the business ecosystem that nearshoring implies, generating efficiency in the mobilization of resources among …

In May 2022, the balance of traditional bank deposits registered a real annual growth rate of 1.9% (9.7% nominal), accumulating three consecutive months of growth, while the nominal balance of the current credit portfolio granted by banks to th…

Recessions occur because the Fed's short-term interest rates determine the level of all rates in the economy: the Fed's rate hike implies higher rates for credit to companies, for mortgage loans and for consumer loans, etc.

In addition to the remaining effects of the pandemic, challenges associated with the geopolitical conflict between Russia and Ukraine, global inflationary pressures and the tightening of financial conditions worsen the current risk scenario.