Berges, Ángel archivos

Bank profitability in the context of declining interest rates: Managing funding cost and allocation of household savings

5 febrero 2025

As interest rates decline, Spanish banks face narrowing unit margins, prompting a strategic focus on managing retail deposit funding costs to preserve profitability. Banks with stronger control over deposit costs, particularly in smaller municipalities, are better positioned to stabilize savings flows because of their customers’ profile and the provision of tailored advice.

Claves de la gestión con tipos a la baja: coste financiero y recomposición del ahorro

29 enero 2025

Este artículo examina las estrategias de las entidades bancarias en un entorno de tipos reducidos.

Countercyclical capital in Spanish banks: A review in the context of capital buffers

27 noviembre 2024

In efforts to achieve convergence with EU supervisory standards and in response to recommendations from the European Systemic Risk Board (ESRB), the Bank of Spain has recently announced significant revisions to the countercyclical capital buffer (CCyB), increasing it gradually from 0% at present to 1% by year-end 2026 and introducing greater flexibility. The changes highlight the need to recalibrate Spain’s CCyB, taking into account potential tensions between micro and macro perspectives, to allow for greater adaptability in response to the economic cycle.

Capital contracíclico en la banca española: su revisión en el marco de los colchones de capital

20 noviembre 2024

Este artículo propone una evaluación del diseño y uso de los colchones de capital, destacando la necesidad de una redefinición que permita una mayor adaptabilidad al ciclo económico.