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May 30, 2019

Banking Outlook. May 2019

The net profit of the system in 2018 was €12.4 billion, the highest since 2009. The key factors affecting the results were cost control and lower provisions. The deleveraging of the private sector continues and the level of NPLs maintains its downward trend. Efficiency and profitability improved compared to 2017 levels.

December 19, 2018

Sovereign risk in the euro zone and its treatment in banking regulation

The crisis has brought with it a notable increase in public debt in the countries affected, especially intense in the peripheral countries of the euro zone. The Greek crisis has fuelled a debate on the treatment of debt holdings in banking regulation and its consideration as a risk-free asset.

July 3, 2017

The US reviews its banking regulation

Trump’s arrival has meant a change of tone in the discourse around financial regulation. The severe restrictions imposed by Obama on the banking sector in response to the profound international financial crisis are now a thing of the past.

June 6, 2016

Basel 2, 3, 4...?

The Basel II agreement, adopted in 2004, introduced greater sensitivity to risk in banks’ capital requirements, which developed their own models in which capital is raised or lowered according to the risk of the assets involved.