spanish banking sector according to the bank of spain (12-2010)

8/8/2019 Spanish Banking Sector according to the Bank of Spain (12-2010)

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Ygc _{jadsg mjandae scoyb}< by`bbn jai {c}s{coydxcs'Icocfmc} =;:;$


2/26


3/26

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YGC _[JAD_G MJANDAE _COYB] DA [C]_[COYDXC

Ygc C}b{cja mjandae scoyb}idhhc}s jo}bss obay}dcs da yc}fs bhygc sd|c bh cjog ajydbaj` mjandaescoyb} }c`jydxc yb ygc cobabft

js uc`` js da da yc}fs bh ygc sd|cbh ygcd} fjlb} mjandae dasydyydbas

Idhhc}caocs jo}bss mjandaestsycfs j`sb cwdsy }cej}idaescoyb}j` obaocay}jydba

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D]C@JAI H]JAOC _[JDA DYJ@T [B]YSEJ@ EC]FJAT

Ybyj` mjandae jssc ys js {c}ocayjec bh EI[! Ico! =;;4

_b}oc< COM

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Ybyj` mjandae jsscys bh ygc hdxc `j}ecsy mjans js {c}ocayjec bh EI[!

Ico! =;;4

_b}oc< COM

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O}cidy yb obasy}oydba jai {}b{c}yt icxc`b{fcay js {c}ocayjec bh

EI[! Ico! =;;4

_b}oc< COM, Ajydbaj` Ocay}j` Mjans jai Mjaob ic Cs{jj


4/26

9

OBAYCAY_

Ygc _{jadsg mjandae scoyb} da {c}s{coydxc

By`bbn hb} ygc _{jadsg mjandae scoyb}

Fcjs}cs yjnca mt {m`do jygb}dydcs }cej}idae ygc mjandae scoyb}

]cxdsdba bh ygc df{jd}fcay edijaoc

_y}css ycsys

S{ijyc bh ygc }csy}oy}dae {}bocss bh ygc sjxdaes mjans

Ygc }chb}f bh ygc sjxdaes mjans `ju


5/26

3

BSY@BBN HB] YGC _[JAD_G MJANDAE _COYB]

O]CIDY

Ygc ibuauj}i y}cai bh o}cidy yb

ygc }csdicay {}dxjyc scoyb} gjs{c}sdsyci

Ygc y}cai ds fb}c fbic}jyc da ygc

`jsy fbaygs

Ygds ecac}j` y}cai ds bmsc}xci da

ygc xj}dbs scoyb}s bh joydxdyt, my

yb j idhhc}cay ice}cc

Da jat ojsc, acejydxc tcj}&ba&tcj}ogjaecs bh }jyc ojaaby mc }`ci by

da obfdae fbaygs, ugdog sgbus j

ajy}j` jilsyfcay {}bocss mt ygc

_{jadsg {}dxjyc scoyb}

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=;

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9;

Lsa&:;Ico&;4Lsa&;4Ico&;7Lsa&;7Ico&;5Lsa&;5

GBS_CGB@I_ CWO@! GBS_DAE

GBS_CGB@I_< GBS_DAE

ABA&HDAJAODJ@ OB][B]JYDBA_, CWO@! OBA_Y]! JAI []B[! IX[Y

OBA_Y]SOYDBA JAI []B[C]YT ICXC@B[FCAY

YBYJ@ O]CIDY

Tcj}&ba&tcj} }j yc b h ogjaec da o}ci d y yb ygc }cs dicay {} dxjycscoyb}, ms dacss da _ {jda , ic{ bs d y das yd y y dba s, #


6/26

8


IBSMYHS@ @BJA_

Ygc tcj}&ba&tcj} ogjaec da ygc

xb`fc bh ibmyh` `bjas gjse}jij``t s`buci ibua sdaoc fdi&=;;4

Ygc s`buibua da ygc hb}fjydba bhibmyh` `bjas jhhcoys ygc ibmyh``bjas }jydb

Ygc ibmyh` `bjas }jydb ds gdegc} daygbsc scoyb}s ugbsc {c}hb}fjaoc dsfbsy o`bsc`t `danci yb ygc cobabfdooto`c,

jai dy ds {j}ydo`j}`t ygc ojsc hb} ygcobasy}oydba jai }cj` csyjyc scoyb}

Ygc}c j}c o`cj} idhhc}caocs mcyuccao}cidy e}jayci yb obasy}oydba jai{}b{c}yt icxc`b{c}s jai }cyjd`}csdicaydj` fb}yejec o}cidy

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Tcj}&ba&tcj} ogjaec d a ygc ibmyh` ` bjas bh ygc }csdicay{}dxjyc scoyb} da _{jda, ic{bsdy dasydyydbas, f

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La&;8 La&;5 La&;7 La&;4 La&:;

BXC]J@@ IBSMYHS@ J__CY_ ]JYDB

OBA_Y]SOYDBA JAI []B[! IX[Y!

ABA&HDA! OB][!, CWO@! OBA_Y]! JAI []B[! IX[Y!

GBS_DAE

GBS_CGB@I_, CWO@! GBS_DAE

Ibmyh` ` bjas }jydbs hb} o}cidy yb ygc }csdicay {}dxjyc scoyb}da _{jda mt scoyb} bh joydxdyt! Ic{bsdy dasydyydbas, #


7/26

5


]CYJD@ ]C_DICAYDJ@ FB]YEJEC_

Ygc o}cidy hb} gbsc {}ogjsc sgbus j

`bu ibmyh` `bjas }jydb< =!3# da Lac=;:;

J ibmyh` `bjas }jydb bh =!3# dsobf{jydm`c udyg sbfc sco}dyd|jydbas jaixdayjecs hb} sbfc dasydyydbas ugc}c ygcibmyh` `bjas }jydb ds gdegc}, {}bmjm`tmcojsc bh gdegc} @YX }jydbs

Da jat ojsc, ygc jxc}jec @YX }jydb ds8=# da ygc }cyjd` }csdicaydj` fb}yejec{b}yhb`db

Ygds sdyjydba ds zdyc gbfbecacbsjo}bss ic{bsdy dasydyydbas

_y}css ycsys sgbu ygjy ygc gt{bygcydoj``bsscs da ygc cwy}cfc socaj}db j}cobasdic}jm`t `buc} da ygds {b}yhb`db ygjy dabygc}s, cxca obasdic}dae smsyjaydj`gt{bygcydoj` hj``s da gbsc {}docs

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@YX 0 7;# 7;# 0 @YX 0:;;# @YX 1:;;#

[C]OCAYJEC BH O]CIDY MT @YX

JXC]JEC @YX

Ids y } d m y d ba b h }c y j d ` }cs dica y d j ` fb} y ejec o }ci d y mt @YX jai jxc}jec@YX, ic{bs d y das y d y d y dbas , #

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Ids y } d m y d ba b h jxc}jec @YX b h }c y j d ` }cs dica y d j ` f b} y e jec {b} y h b ` d bmt d as y d y y d ba , #

Abyc! Ygc dasydyydbas }c{}cscayci joobay hb} 43# bh ybyj` o}cidy, jai dao`ic j`` sjxdaes mjans jai fjlb}

obffc}odj` mjans

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OBF[@CYCI GBS_DAE GBS_DAE

MSD@IDAE

@JAI

O b ` `j yc } j ` { } d o c h j` ` js s f { y d b a s d a y g c s y } c s s y c s y j i x c } s csoca j} db , #


8/26

7


]CYJD@ ]C_DICAYDJ@ FB]YEJEC_

Da _{jda, `buc} ibmyh` `bjas

}jydbs bh o}cidy hb} gbsc {}ogjscgjxc j`}cjit mcca bmsc}xci da{}cxdbs o}dsds 'd!c!, :44?$

]cyjd` }csdicaydj` fb}yejec

msdacss da _{jda ds{`jda xjad``j Ab b}dedajyc&yb&idsy}dmyc mjandae

fbic`, jai ygs ab sdfd`j} daocaydxc{}bm`cfs ugca sc`coydae jaifbadyb}dae o`dcays

Mt&yb&`cy msdacss ds {}joydoj``t

aba&cwdsycay

Ab GC@BO_ 'gbfc czdyt `dac bho}cidy$

Fb}yejecs j}c }cob}sc

Dayc}csy }jyc,

gbsdae fj}ncy, #

Sacf{`btfcay

}jyc 'm$, #

:44? :?!4 =9

=;:; 'j$ =!8 =;

'j$ @jycsy jxjd`jm`c ijyj

'm$ Ygc}c gjs mcca fcygbib`bedoj` ogjaecs j`bae ygds {c}dbi!

Acxc}ygc`css ygc ecac}j` fcssjec ibcs aby ogjaec

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ido&4= ido&43 ido&47 ido&;: ido&;9 ido&;5

]cyjd }csdicaydj` fb}yejecs O}cidy yb ygc }csdicay {}dxjyc scoyb}

Ibmyh` `bjas }jydb, ic{bsdy dasydyydbas, #

La&:;


9/26

4


OBA_Y]SOYDBA JAI ]CJ@ C_YJYC

Ygc obasy}oydba jai {}b{c}yt icxc`b{fcay `caidae gjs j xc}t {}babaoci oto`doj`{}bhd`c! Da Lac =;:; dys ibmyh` `bjas }jydb ds :;!4#

Yb gjxc j mcyyc} aic}syjaidae bh ygc cw{bs}c bh ygc mjandae scoyb} yb ygc obasy}oydbajai }cj` csyjyc scoyb}, Mjaob ic Cs{jj gjs ichdaci jai {m`dsgci j m}bjic} obaoc{yygja ibmyh` `bjas

Ibmyh` bjas

@bjas da ugdog sbfc dasyj`fcay gjs aby mcca {jdi hb} j {c}dbi bh fb}c ygja 4; ijts, jai ygbsc cw{bs}csda ugdog ygc}c j}c }cjsbajm`c ibmys js yb ybyj` }c{jtfcay aic} ygc yc}fs je}cci

_msyjaij}i bjas

@bjas sgbudae sbfc ecac}j` ucjnacss jssbodjyci udyg ygc hjoy ygct j}c yb j s{codhdo y}bm`ci e}b{ b} scoyb} b} dh ucjnacsscs j}c j{{j}cay da oc}yjda b{c}jydbas, cxca dh ygcsc b{c}jydbas ib aby zj`dhtdaidxdij``t hb} o`jssdhdojydba js ibmyh` b} u}dyc&bhh

Jsscy hb}co`bs}cs, ijydba da {jtfcay jai jozdsdydbas Jsscys buac}sgd{ {jsscs yb ygc o}cidy dasydyydbas, js j }cs`y bh ygc j{{`dojydba bh ygcsc }ce`j} ybb`s da j

o}dsds sdyjydba sog js ygc {}cscay! _{c}xdsb}s {}cxcay ygcf h}bf mcobfdae {bycaydj` fcogjadsfs ybichc} ygc }cobeadydba bh `bsscs

@bja u}dyc&bhhs


10/26

Jfbay

ma

# bh

daxcsydfcay

_{codhdo

{}bxdsdbas

ma

#

obxc}jec

@bjas jai }cocdxjm`cs 9?4!;

Ibmyh` 95!4 :;!4 :7!3 ?7!8

_m&syjaij}i 35!8 :?!: 5!7 :?!3

Hb}co`bs}cs jai }c{bsscssdbas 5;!; :3!4 :8!8 =?!5U}dyc&bhhs 3!? :!= 3!? :;;

[bycaodj` y}bm`ci cw{bs}c :7;!7 9:!= 97!= =8!8

FCFB]JAISF DYCF

# obxc}jec, dao`idae ecac}j` {}bxdsdba ??!;

M]CJNIBUA BH [BYCAODJ@ Y]BSM@CI CW[B_S]C JAI YGCD] OBXC]JEC! IC[B_DY

DA_YDYSYDBA_! LSAC =;:;

:;


OBA_Y]SOYDBA JAI ]CJ@ C_YJYC

Ygc {bycaydj`y}bm`ci cw{bs}c da Lac =;:; ds :7;!7 md``dba

Ygc `cxc` bh obxc}jec bh ygds cw{bs}c yg}beg s{codhdo {}bxdsdbas ds =8!8#

jai ??# dao`idae ygc ecac}do {}bxdsdba }c`jyci yb ygc _{jadsg msdacss bh

ic{bsdy dasydyydbas


11/26

::


HSAIDAE

_daoc ygc cai bh L`t =;:; ugb`csj`c

fj}ncys b{caci { jejda _y}css ycsys, j{{}bxj` bh sjxdaes mjans

dayce}jydba {}bocsscs, }chb}f bh ygc

sjxdaes mjans `ju, hdsoj` obasb`dijydba

fcjs}cs jai sy}oy}j` }chb}fs gc`{ yb

cw{`jda ygc df{}bxcfcay

Da ygc `jsy uccns, fj}ncy xb`jyd`dyt gjs

}cy}aci yb ygc fj}ncys! Acxc}ygc`css jai

obaidydbaj` 'smlcoy yb ygc {}cscayjydba bh j obao}cyc fc}ec} {`ja ygjy fsy mc

j{{}bxci mt Mjaob ic Cs{jj$

FCJ_S]C_ YJNCA MT JSYGB]DYDC_


23/26

=?


S[IJYC BH YGC ]C_Y]SOYS]DAE []BOC__ BH YGC

_JXDAE_ MJAN_

Ygc j{{}bxci dayce}jydba {}bocss fcjas ygjy ygc scoyb} ds abu fjic { bh :5sjxdaes mjans b} e}b{s bh sjxdaes mjans, dasycji bh ygc hb}fc} 93 cwdsydae dasydyydbas

Ygds }cioydba da ygc afmc} bh ygc sjxdaes mjans ds ogjaac``ci yg}beg :? dayce}jydba{}bocsscs! Ygc dasydyydbas daxb`xci da ygds dayce}jydba {}bocss joobay hb} 49# bh ygc scoyb} dayc}fs bh ybyj` jsscys

7 by bh :? dayce}jydba {}bocsscs gjxc }cocdxci hais h}bf ygc H]BM hb} j ybyj`

jfbay bh :;,37: fd``dba

Mchb}c ygc tcj}&cai =;:;, js j }cs`y bh ygc dayce}jydba {}bocsscs, ic{bsdydasydyydbas ud`` obasydyyc jiidydbaj` {}bxdsdbas jejdasy ygcd} ybyj` czdyt jfbaydae yb=8,=;; fd``dba

Ba yb{ bh ygjy, ic{bsdy dasydyydbas, }cej}idae ygcd} msdacss da _{jda, gjxc fjicxc}t smsyjaydj` u}dyc&ibuas sdaoc =;;7 'ayd` Lac =;:;$

95,;=9 fd``dba yg}beg ygcd} {}bhdy jai `bss joobays

{`s :4,;;; fd``dba jejdasy ygc {}cxdbs`t joof`jyci hais ic yb ygc itajfdo {}bxdsdbasda {`joc sdaoc tcj} =;;;



24/26

=9


S[IJYC BH YGC ]C_Y]SOYS]DAE []BOC__ BH YGC

_JXDAE_ MJAN_

Yb jsscs ygc oj`caij} bh ygc dayce}jydba {}bocss ds acocssj}t yb obasdic}yg}cc fjlb} syc{s

@cej` jai jifdadsy}jydxc ogjaecs, dao`idae ygc o}cjydba bh ygc obffc}odj` mjansygjy ud`` joy js ygc ocay}j` dasydyydba da ygc dasydyydbaj` {}bycoydba sogcfcs!

Da j`` ojscs ygds syjec ds xc}t jixjaoc jai dy ud`` mc hdaj`dsci mt ?: Icocfmc} =;:; jy ygc`jycsy

Ob}{b}jyc ebxc}ajaoc jai fjajecfcay Ygds syjec ds j`sb da j xc}t jixjaoc syjec, jai dy ud`` mc obf{`cyci mt ?: Icocfmc} =;:;

jy ygc `jycsy

B{c}jydbaj` dayce}jydba

Dasydyydbas j}c ub}ndae ba ygds syjec sdaoc ygc j{{}bxj` bh ygc dayce}jydba {}bocss, jai dafjat j}cjs {`jas j}c xc}t jixjaoci 'd!c! DY {`jyhb}fs> ocay}j` fjajecfcay jai obay}b` bh

ygc cobabfdo jai hdajaodj` miecy> ocay}j` fjajecfcay bh `dzdidyt, }dsns jai obffc}odj`joydxdyt$

Mjaob ic Cs{jj s{c}xdsb}t ycjfs j}c o`bsc`t fbadyb}dae ygcsc {`jas

FCJ_S]C_ YJNCA MT [SM@DO JSYGB]DYDC_


25/26

=3

Ygc }chb}f gjs yg}cc fjda hcjy}cs

Dy edxcs sjxdaes mjans ygc {buc} yb dssc oj{dyj` dasy}fcays ygjy fjt mcdao`ici da ob}c oj{dyj`, ygc}cmt hjod`dyjydae ygcd} joocss yb oj{dyj` fj}ncys

Dy obay}dmycs yb ygc {}bhcssdbaj`dsjydba bh sjxdaes mjans fjajecfcayjai ebxc}adae mbidcs

Dy smlcoys sjxdaes mjans yb chhcoydxc fj}ncy idsod{`dac

Yb jyyjda ygcsc bmlcoydxcs ygc }chb}f obasdic}s yub fcogjadsfs

Ygc o}cjydba bh czdyt adys udyg xbydae }degys

Ygc jib{ydba bh acu msdacss fbic`s

FCJ_S]C_ YJNCA MT [SM@DO JSYGB]DYDC_

YGC ]CHB]F BH YGC _JXDAE_ MJAN_ @JU


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spanish banking sector according to the bank of spain (12-2010)

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