Loans latest publications
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 scale are key for success.
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 authorisation of the ECB above certain limits.
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 the retail bank indispensable.