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In the Spanish banking system, 2022 will go down in history because several events will occur (or are already unfolding) whose impact on the industry’s results are hard to gauge. Two such events are the war in Ukraine and the end of the grace period for ICO-guaranteed loans.
Although the NPL ratio in the banking system declined as banks sped up the disposal of bad loans, asset risk remained high amid the repeated pandemic threats and the slow recovery. The risks associated with Evergrande’s fallout are manageable although it will take a longer time for the banking sector to absorb the shock.
We display the recent Evergrande crisis, discuss the possibility of default and the possible reactions by the authorities. We also conclude it will not lead to a systematic risk to the whole economy.
More than year after the start of the pandemic, the number of non-performing loans (NPLs) in the Spanish banking system continues to fall, though at a slower rate than before.
The Institute's reclassification of 116,000 loans to the past-due portfolio, as they were considered to be outstanding, increased delinquency to 14%. This is an accounting change rather than a growing impairment of credit.
Adjustments to the number of employees and branches in the sector continue, despite the deleveraging of the private sector seems to be coming to an end. The sector is feeling the effects of the resolution and sale of Banco Popular in June 2017 and posted after-tax losses of €3.9 billion for the year, although it achieved fu…
Eight years after the start of the international financial crisis, the market has suddenly realised that the Italian banks still have tasks outstanding. Why have the markets focused on this problem now? What are the outstanding tasks? And, above all, what should we expect in future?
