Crédito y desarrollo económico
Destacados
Artículo
Loan portfolio profitability: Diversification and bundlingas structural levers
Fecha:
julio 2026
Spanish banks are entering a phase of margin normalisation after rate-driven income growth, with lending showing early signs of recovery across segments. Portfolio composition and the depth of customer relationships are emerging as the primary determinants of sustainable profitability.
Artículo
Spanish bank exposure to real estate: Structural correction and European comparison
Fecha:
julio 2026
Spain’s banking sector has undergone a structural transformation in its real estate
exposure since the 2008 financial crisis, shifting away from high-risk developer and
construction lending toward a more mortgage-dominated, better-quality loan book. Yet, exposure still exceeds the European average, reflecting deep-rooted home ownership culture rather than renewed speculative excess.