Maudos, Joaquín

Tightening bank financing terms and conditions: Current situation and implications

7 junio 2023

Increasing interest rates across the eurozone are restricting access to bank loans, while at the same time leaving households and businesses with outstanding credit in a more vulnerable position. Fortunately, in the case of Spain, both businesses and households are in a stronger position to face these challenges given the significant private sector deleveraging effort that has taken place in the wake of the previous financial crisis.

Cambios en las condiciones de acceso a la financiación bancaria

31 mayo 2023

El objetivo de este artículo es analizar la evolución más reciente de las condiciones de acceso a la financiación bancaria de empresas y familias en España en el contexto europeo.

An analysis of non-performing loans: Spain in the European context

30 noviembre 2022

Despite the intensity of the two crises sustained by the Spanish economy in the last three years (the COVID-19 crisis and the energy crisis exacerbated by the war in Ukraine), measures rolled out to mitigate the impact of those events have helped to avert an overall increase in Spanish banks’ non-performing loan ratios, albeit differences across industry sectors are noteworthy. However, given the challenging economic backdrop for 2023, non-performance will likely hit an inflexion point in the coming months, requiring the maintenance of adequate provisioning.

Análisis sectorial de la morosidad bancaria: España en el contexto europeo

23 noviembre 2022

El objetivo de este artículo es analizar la dinámica reciente de la morosidad bancaria, descendiendo al mayor detalle posible según el destino del crédito y por ramas de actividad.