Rodríguez, María archivos

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.

Credit risk and provisions: Prudent management across the Spanish and European banks

2 octubre 2024

Interestingly, the banks’ excellent earnings performance over the past two years, in both Spain and Europe, driven mainly by growth in net interest income on the back of high benchmark rates, has not had an adverse impact on asset quality. Within this context, it is worth singling out the prudent provisioning effort being made by the Spanish banks, and the European banks in general, so far this year, recognising considerably more provisions (overlays) than required under applicable accounting standards and banking regulations.

Riesgo de crédito y provisiones: prudencia en la banca europea y española

25 septiembre 2024

Este artículo analiza la calidad de los activos bancarios en Europa y España durante los últimos años, a pesar de la subida de tipos de interés y la inflación.