Spanish banks: Navigating uncertainty

Letter from the Editors

Sovereign risk

The reemergence of the spectre of EMU fragmentation: More debt and France in the eye of the storm

Economic and political instability, both domestically and globally, have led to increased volatility in EU sovereign risk premiums, with France particularly ...

Provisioning effort

Credit risk and provisions: Prudent management across the Spanish and European banks

Interestingly, the banks’ excellent earnings performance over the past two years, in both Spain and Europe, driven mainly by growth in net interest ...

Spanish Banks

Spanish banks’ international footprint: Recent developments

Spain’s banks are becoming increasingly more international, as shown by the share of total assets commanded by their international business. This ...

ECB framework

Rewiring the European Central Bank

On 13 March 2024, the ECB announced a new operational framework to manage its shrinking balance sheet, fundamentally altering its relationship with the banking ...

Automotive industry

Europe’s automotive industry in the face of competition from the US and China

The European automotive sector is facing a significant decline, with production contracting sharply between 2019 and 2023, placing it behind American and ...

Labour market

Labour scarcity and labour market policies: A comparative analysis

Labour shortages have become an increasingly pressing issue across various sectors and occupations since the COVID-19 pandemic, with significant economic ...

2025 budget

2025 budget: At an impasse over financing for Catalonia

The probability of a second consecutive budget carryover in 2025 is high, with the main obstacle to approval constituted by the new financing framework under ...

Financial education

Financial education and how to improve it

Financial education is evolving rapidly in the context of digitalization and economic transformation, yet Spain still faces inequalities in the implementation ...

Regulation and Economic Outlook
Recent key developments in the area of Spanish financial regulation
Prepared by the Regulation and Research Department of the Spanish Confederation of Savings Banks (CECA)
Spanish economic forecasts panel: September 2024
Funcas Economic Trends and Statistics Department
Key Facts
Economic Indicators
Financial Indicators
Social Indicators