Banking
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Artículo
Cost efficiency in the Spanish banking sector in the face of margin pressures: Contrast between SIs and LSIs
Fecha:
April 2025
The sharp rise in interest rates since 2021 has driven up operating expenses for Spanish banks, making cost efficiency a key priority in the current context of slowing margin growth. A comparison between significant institutions (SIs) and less significant institutions (LSIs) highlights differences in cost structures, expense growth, and efficiency gains, with LSIs seeing more intense expense increases but also stronger improvements in efficiency.
Artículo
Eficiencia y optimización de gastos ante la desaceleración de márgenes: contraste entre entidades significativas (SI) y menos significativas (LSI)
Fecha:
March 2025
Este artículo analiza la dinámica de los gastos de explotación en los últimos tres ejercicios, profundizando en las partidas de gastos que han resultado claves, así como en la identificación de comportamientos diferenciales entre entidades significativas (SI) y entidades menos significativas (LSI) en el sector bancario español. Asimismo, se analiza el comportamiento de la eficiencia y los factores que han contribuido a su mejora, identificando potenciales palancas que permitan dar continuidad a esta mejora en el contexto de moderación de márgenes.
Artículo
Corporate access to bank loans: Assessing the impact of company and loan size
Fecha:
February 2025
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
Fecha:
February 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.