Maudos, Joaquín

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.

The shifting income structure of Spanish banks

21 julio 2022

While recording among the lowest share of fee and commission income as a percent of total earnings compared to other EU banks, in line with their peers, Spanish banks too adapted to the low interest rate environment by raising fee and commission revenues. With interest rates on their way up and volatility increasing, rising net interest income and trading gains for Spanish banks may help reverse downward pressures on profitability.

Cambios en la estructura de ingresos de la banca española

14 julio 2022

El objetivo de este artículo es analizar la evolución de la estructura de ingresos de la banca española. Para ello se examinan los distintos tipos de ingresos que componen la cuenta de resultados, tanto en el negocio doméstico en España como a nivel consolidado incluyendo el negocio de las filiales en el exterior. El periodo analizado cubre desde el inicio de la crisis financiera de 2008 hasta 2021, ya tras el impacto de la pandemia.