Rodríguez Fernández, Francisco


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.

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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.

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