Artículos
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’…
Corporate access to bank loans: Assessing the impact of company and loan size
Autores:
Maudos, Joaquín
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…
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,…
Can the Draghi report save Europe?
Autores:
Díez Guijarro, José Ramón
The Draghi report provides a transformative blueprint for Europe’s future, emphasizing strategic investments, industrial policy, and governance reforms to boost productivity and competitiveness. However, its ambitious proposals face significant challenges, including political fragmentation, limited fiscal capacity, and resistance to deeper integration, underscoring the need for…
Trump, trade, and investment
Autores:
Jones, Erik
The second administration of U.S. President Donald Trump began with a promise to use tariffs and other trade instruments to strengthen America’s economic performance and rebalance its relations with the outside world. The question is whether the European Union can use this challenge to meet…