Articles
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Weakness in overall construction sector profitability: Low productivity exacerbated by labour shortages
5 February 2025
The construction sector in Spain has shown resilience but continues to grapple with low productivity and labour shortages. Addressing these challenges is critical for maintaining profitability and meeting housing demand.
Autores: Moral, María José
Tags: Construction sector
AI in banking through the eyes of the consumer
Digitalisation and artificial intelligence (AI) are redefining the relationship between customers and their banks by enhancing personalization, security, and efficiency; but not without risks. Striking a balance between innovation and trust, highlighting the role of transparency, ethical data management and human interaction, will be keys to its successful integration.
Autores: Carbó Valverde, Santiago, Cuadros Solas, Pedro, Francisco Rodríguez Fernández
Tags: Artificial intelligence
Bank profitability in the context of declining interest rates: Managing funding cost and allocation of household savings
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.
Autores: Alberni, Marta, Berges, Ángel, Rodríguez, María
Tags: Bank profitability
Corporate access to bank loans: Assessing the impact of company and loan size
Spanish companies enjoy lower bank borrowing costs than their Eurozone peers, with neither the size of the loan nor the company significantly impacting costs. While micro firms face slightly more obstacles in obtaining loans, the size penalty is far less significant in Spain, making access to finance a relatively minor concern across all business sizes.
Autores: Maudos, Joaquín
Tags: Corporate lending
The Draghi report and the Spanish economy
Mario Draghi’s report identifies integration as key to addressing Europe’s structural challenges, focusing on, first, the need to rollout a common economic policy and, second, the completion of the EU Single Market. For Spain, the latter measures would be the most effective in unlocking investment, though their success hinges on overcoming fragmentation risks amid rising protectionism.
Autores: González Simón, Miguel Ángel, Torres, Raymond
Tags: Spanish economy
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