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July 9, 2021

Mexico | Monthly Report on Banking and the Financial System. July 2021

Banco de México reiterated the resilience of the financial system in the face of the adverse shock of the pandemic, as credits granted remain weak (-8.8% YoY in April) and levels of bank deposits remain close to historical highs.

June 7, 2021

Mexico | Monthly Report on Banking and the Financial System. June 2021

Bank credit to the private sector fell 7.9% in March due to the performance of the consumer and business portfolios, while demand deposits continued to drive bank deposits.

May 5, 2021

Mexico | Monthly Report on Banking and the Financial System. May 2021

The 2020 banking dynamics of lower credit granted to the private sector and a sharp increase in banking deposits were among the causes of better financing conditions for the banking system and a higher solvency.

December 16, 2019

Banking Outlook. December 2019

In the first six months of 2019 the net profit for the Spanish banking system has been EUR 5,326 M , 20% less than in the one obtained in the first semester of 2018, due to a weak second quarter. The key factors were weak revenues, cost control, and provisions which remain at minimum levels.

October 16, 2019

MREL in European banks: Requirement and shortfall under BRRD II

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.

September 19, 2019

Banking Outlook. September 2019

The net profit of the system in the 1Q'19 was EUR 3.2 Bn. The key factors were weak revenues, cost control, and lower provisions. Deleveraging has continued, although since the end of 2018 there has been a slight upturn in total lending. The NPL ratio continues to fall and profitability has improved compared to 1Q'18.

January 3, 2019

Digital transformation and competition in the financial sector

Digital transformation has opened the financial services market to new kinds of providers with great disruptive potential, including big technology companies. This article explores how the scope of that integration is conditioned by regulation, data access rules and competition policy.

December 24, 2018

What will be the trends in financial regulation in 2019?

In 2018, the financial regulatory reform approved after the crisis by the G20 and the Financial Stability Board (FSB) was considered virtually complete and the focus was supposed to be on implementing the reforms already initiated.