Banking

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Artículo

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.

Artículo

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.

Artículo

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.

Artículo

Recent developments in bancassurance in Spain

Spanish banks’ insurance business, particularly in life insurance, have been a crucial source of earnings, directly contributing nearly 14% of their domestic profits in 2023. This contribution remains essential for banks’ profitability, with further growth expected from premium adjustments and rising non-life insurance activity.

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