MODIFICACIONAUTORES
Efectos competitivos del sector fintech: innovación y retos
Este capítulo analiza el fenómeno de las fintech y los estudios realizados por la CNMC desde una perspectiva académica.
Bank profitability in Spain: A debate in need of perspective
Spanish banks announced record earnings growth in 2022, in tandem with the ongoing process of financial normalisation, in which interest rates increased, after years in negative territory. Despite strong performance, challenges remain, and banks must stay profitable and solvent on account of their systemic importance to a country’s business and social fabric, while pushing ahead with necessary cost-cutting and digitalisation.
La rentabilidad de la banca en España: un debate con necesidad de perspectiva
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.
Monetary policy 2023 and interest rate increases: Outlook and impact
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.