Maudos, Joaquín

MODIFICACIONAUTORES

Spanish versus European bank exposure to sovereign risk

Spanish banks’ exposure to public debt has increased more sharply than the EU average, reaching 15.4% of total assets in 2024. Amortised cost accounting and international diversification help risk mitigation, while higher interest rates on public debt holdings have significantly boosted returns for the domestic business.

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Corporate access to bank loans: Assessing the impact of company and loan size

Spanish companies enjoy lower bank borrowing costs than their Eurozone peers, with neither the size of the loan nor the company significantly impacting costs. While micro firms face slightly more obstacles in obtaining loans, the size penalty is far less significant in Spain, making access to finance a relatively minor concern across all business sizes.

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