Articles
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Translating EURIBOR increases into improved banking margins: Differential timing on asset and liability repricing
5 October 2022
After more than five years of abnormally low, even negative, interest rate levels in the case of the 12-month EURIBOR, the fact that rates have turned positive and look likely to stay there on a structural basis foreshadows a clearcut improvement in the banking sector’s net interest income. Irrespective of the clearly positive impact of the new rate scenario for the banks’, the transition will not be linear and before margins increase, they will likely dip.
Autores: Alberni, Marta, Berges, Ángel, Rodríguez, María
Tags: Banking Margins
Spanish banks ahead of the return to positive interest rates
Now that interest rates are finally back in positive territory, banks have the opportunity to advance on the challenge of increasing profitability. However, prevailing macroeconomic conditions of uncertainty and pessimism, together with risks, both those carried over from the previous financial crisis and emergent ones, mean that translating rate increases into commensurate growth in banks’ earnings may not be so straight forward a task.
Autores: Carbó Valverde, Santiago, Rodríguez Fernández, Francisco
Tags: Bank profitability
Spain: Reduced vulnerability to gas rationing relative to other European countries
Spain´s lower expected reduction in demand under the pan European plan, together with a generally lower consumption of Russian gas by the country´s industry, translates into less sensitivity to current geopolitical tensions. Nonetheless, Spain will still be exposed to the risks generated by the adverse geopolitical environment heading into the autumn-winter.
Autores: Romero, María, Sosa, Juan
Tags: Gas markets
How different EU Member States are dealing with the energy crisis
30 September 2022
Policy responses across Europe to address the energy crisis have obvious similarities, but they also show some relevant differences. Dependencies on Russian gas and the health of public finances to provide state aid are two of several factors that are conditioning how EU Member States are responding individually to this challenge.
Autores: Torres, Raymond
Familia y socialización financiera: una aproximación empírica al caso español
29 September 2022
Este artículo presenta y analiza evidencias obtenidas a través de dos estudios empíricos recientes realizados por Funcas para conocer mejor cuánto y cómo participan y se implican las familias españolas en la socialización financiera de los niños, los adolescentes y los jóvenes.
Autores: Chuliá, Elisa, Garrido, Luis, Miyar, María
Tags: Alfabetización financiera, Educación financiera, Familia, Socialización financiera
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