MODIFICACIONAUTORES
En este artículo se repasan los beneficios de la banca española con un aumento en el periodo pospandemia que no se debe únicamente a la subida de tipos de interés, sino a un cambio coyuntural.
The monetary policy roadmap for 2023 will continue to prioritize the fight against inflation, with successive official rate increases at least for much of the year, although accompanied by a slower increase in EURIBOR. Within this context, the banks will continue to play a key role in credit provision to the economy, yet while they could face improved income prospects, notable challenges exist within the prevailing uncertain climate.
En este artículo se repasa la evolución del principal mecanismo de contención monetario de la inflación —la subida de tipos de interés— y el impacto que el mismo puede tener sobre los bancos y su actividad, así como las perspectivas relativas a los tipos de interés para 2023.
Rising interest rates are rapidly translating into a considerable increase in borrowing costs, putting a strain on households and companies, which had grown accustomed to exceptionally lax financial conditions. In parallel, the increase in rates is already materializing in the form of some retrenchment in lending in Spain, particularly in the mortgage segment.