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The CNBV has made public its plans to issue the pending rules on Open Banking before year end, crucially those relating to "transactional data" which constitute the core of the Open Finance framework.

Trends and developments in the Spanish banking sector. Real estate exposure of the Spanish banking system. Analysis of impaired assets in Europe. European stress test: large differences by country. Implementation and effects of the regulatory reform. Open banking

In this issue we focus on: open banking: a regulatory perspective; e-banking in Spain: generational approach; and The Internet of Things: European regulation