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After the roller-coaster of last year, banking aggregates will normalize in 2021. Virus control will gain traction, highly impacted sectors will gradually reopen, and the overall economic recovery will solidify with the support of policymakers. These conditions will be highly favorable for the banking industry.

Banks remain critical for supporting the economy during the crisis. Total bank loan growth will slow and deposit growth revert to normal rates. Banks will be operating with higher levels of deposits relative to loans, credit quality will deteriorate and profitability edge down, but systemic risks remain contained.

The Covid-19 pandemic that escalated in the first quarter of this year will have a dramatic impact on the U.S. banking sector. The effects will range from direct and immediate to indirect and long-term that will only emerge in the wake of the c…

Leveraged loans are granted to entities with considerable amounts of debt, that is, according to the European Central Bank (ECB), those with a debt-to-income ratio before interest and tax of more than four.

Despite solid profitability trends, banking conditions could become somewhat more challenging. Sustainable loan growth, higher funding costs and credit risks will be the primary areas of concern. Customer service, digital tools and economies of…

This paper evaluates the macroeconomic effects of taxes on banking in a small open economy in a currency union for three tax alternatives: an additional tax on profits, on deposits, and on loans. We propose a DSGE model with a rich detail of taxes and a banking sector and show that these three taxes are equivalent in their …

Tax increases in the banking sector have been the subject of intense debate since the start of the international financial crisis in 2007. This Observatory evaluates the effects of taxes on banking in Spain within three different alternatives: an additional tax on profits, on deposits and on the volume of loans.

The ECB announced recently that it is studying the possibility of centralising emergency liquidity assistance (ELA) for banks in difficulties. At present the responsibility for this window lies with the national central banks, although with the…

Online lenders to small businesses use innovative methods to gauge creditworthiness. Banks can leverage their big data capabilities to more effectively serve customers. Small businesses customers heavily favor face-to-face interaction, making t…