La situación del sector bancario español en el contexto europeo: retos pendientes

  1. Paula Cruz-García 1
  2. Joaquín Maudos 2
  1. 1 Universitat de València
    info

    Universitat de València

    Valencia, España

    ROR https://ror.org/043nxc105

  2. 2 Universitat de València e Ivie
Aldizkaria:
Cuadernos económicos de ICE

ISSN: 0210-2633

Argitalpen urtea: 2016

Zenbakien izenburua: Una panorámica del sector bancario despues de la crisis

Zenbakia: 92

Orrialdeak: 81-108

Mota: Artikulua

DOI: 10.32796/CICE.2016.92.6136 DIALNET GOOGLE SCHOLAR lock_openSarbide irekia editor

Beste argitalpen batzuk: Cuadernos económicos de ICE

Laburpena

The aim of this paper is to analyse the position of the Spanish banking sector in the European context and the changes that have taken place after the restructuring carried out to correct the imbalances accumulated in the previous expansion period. To this aim, we analyse the evolution of variables such as the market structure, the business model, margins, profitability, efficiency, solvency, etc., during the period 2008-2016. The results show that the restructuring, consolidation and capitalisation have been successful by correcting the problems of the past. However, currently, the profitability is small and insufficient to attract investors. This is due to factors such as the regulatory requirements, the high volume of non-performing assets and the very low interest rate environment, which requires more and new responses, especially in three directions: more adjustments in installed capacity, diversification of the income structure and the digitalisation of the banking activity.

Erreferentzia bibliografikoak

  • BANCO CENTRAL EUROPEO (2016). «Recent trends in Euroarea banks’ business models and implication for banking sector stability». Financial Stability Review, special features, mayo.
  • BANCO DE ESPAÑA (2016). Informe de Estabilidad Financiera, noviembre.
  • COMISIÓN EUROPEA (2017). Informe sobre España 2017, con un examen exhaustivo relativo a la prevención y corrección de los desequilibrios macroeconómicos. COM (2017) 90, final.
  • CRUZ-GARCÍA, P.; FERNÁNDEZ DE GUEVARA, J. y MAUDOS, J. (2017). «Interest rates and net interest margins: the impact of monetary policy», en G. Chesini, E. Giaretta y A. Paltrinieri (eds.), The Business of Banking: Models, Risk and Regulation. Basingstoke (Reino Unido): Palgrave Macmillan.
  • FONDO MONETARIO INTERNACIONAL (2016). Global Financial Stability Report, octubre.
  • MAUDOS, J. (2016). «Márgenes bancarios y tipos de interés: España en el contexto de la Euroárea». Cuadernos de Información Económica, 255, 21-34.
  • MAUDOS, J. y VIVES, X. (2016). «Banking in Spain», en T. Beck y B. Casu (eds.), Handbook of European Banking, Palgrave MacMillan.
  • MAUDOS, J. (2017). «Modelos de negocio en la banca europea: cambios recientes». Cuadernos de Información Económica, 257, 11-25.
Datuen iturria: Dialnet