Berges, Ángel

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.

Credit risk and provisions: Prudent management across the Spanish and European banks

2 octubre 2024

Interestingly, the banks’ excellent earnings performance over the past two years, in both Spain and Europe, driven mainly by growth in net interest income on the back of high benchmark rates, has not had an adverse impact on asset quality. Within this context, it is worth singling out the prudent provisioning effort being made by the Spanish banks, and the European banks in general, so far this year, recognising considerably more provisions (overlays) than required under applicable accounting standards and banking regulations.

Riesgo de crédito y provisiones: prudencia en la banca europea y española

25 septiembre 2024

Este artículo analiza la calidad de los activos bancarios en Europa y España durante los últimos años, a pesar de la subida de tipos de interés y la inflación.