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AI and the banking sector: Initial considerations

19 julio 2023

The rise in chats powered by artificial intelligence (AI) places this new development at the heart of the debate about the application of technology in the banking sector. In an environment in which competition will be increasingly digital, it is essential that the traditional banking sector digitalise by making more intensive use of artificial intelligence.

Área financiera y digitalización
Banca
Inteligencia Artificial y Big Data

Autores: Carbó Valverde, Santiago, Cuadros Solas, Pedro, Rodríguez Fernández, Francisco

Etiquetas: Artificial intelligence

Interest rate risk in the banking book and financial instability: Europe versus the US

Although the new interest rate scenario is clearly good news for the banks’ margins, the intensity, speed and persistence with which the increases have affected all tenors of the curve have other potentially very adverse effects for the banks more exposed to interest rate risk. While a comparison of EU versus US banks reveals that EU banks are less exposed to interest rate and liquidity risk, these aggregate parameters mask significant dispersion among the various entities on both sides of the Atlantic.

Análisis financiero
Banca

Autores: Alberni, Marta, Berges, Ángel, Rodríguez, María

Etiquetas: Rate sensitivity

Economic projections for Spain: 2023-2024

Despite a period marked by uncertainty, the Spanish economy has remained resilient, outperforming analysts’ expectations. Export performance has been particularly strong; nonetheless, downside risks remain, particularly those related to a sharper than anticipated monetary policy tightening, vulnerabilities in the shadow banking system at the EU level, and the elevated stock of public debt.

Coyuntura económica
España

Autores: Fernández, María Jesús, Torres, Raymond

Etiquetas: Spanish economy

Central banks: Between a rock and a hard place?

Financial turbulence has been easing in recent weeks, reflecting the idiosyncratic nature of the Silicon Valley Bank (SVB) and Credit Suisse (CS) failures and the adequacy of the responses by the affected central banks, although some risks remain. Central banks will face an increasingly challenging context as they seek to restore price stability, while minimising outbreaks of financial stress.