Rodríguez, María archivos

Spanish banks: Renewed strength and credibility in wholesale markets

26 noviembre 2025

Spanish banks have cemented their status as consistent and credible issuers in wholesale markets, reflecting stronger fundamentals and investor confidence, with lower spreads and
broader participation marking a new phase of stability for the sector. However, continued reliance on wholesale funding underscores the importance of maintaining high profitability and resilient balance sheets in an environment of still-elevated rates and evolving regulation.

Dinámica emisora de la banca española en los mercados de deuda

19 noviembre 2025

Este trabajo examina cómo la banca española ha gestionado con agilidad su refinanciación y diversificación de instrumentos, incluso en un contexto de menor liquidez y mayor escrutinio del mercado.

Bank profitability in the context of declining interest rates: Managing funding cost and allocation of household savings

5 febrero 2025

As interest rates decline, Spanish banks face narrowing unit margins, prompting a strategic focus on managing retail deposit funding costs to preserve profitability. Banks with stronger control over deposit costs, particularly in smaller municipalities, are better positioned to stabilize savings flows because of their customers’ profile and the provision of tailored advice.

Claves de la gestión con tipos a la baja: coste financiero y recomposición del ahorro

29 enero 2025

Este artículo examina las estrategias de las entidades bancarias en un entorno de tipos reducidos.