1. Trends and developments in the Spanish banking sectorWhile the deleveraging of the banking system appears to be nearing its end, the number of employees and branches in the sector continues to fall. Solvency and asset quality have further improved. In terms of the system's results, income...

Retail deposits represent about 30% of total European banking assets. The bulk of the balance sheet of banks (about 70%) comprise non-retail loans and deposits (e.g. interbank loans and deposits, loans and deposits from insurance corporations and pension funds and loans and deposits from...

Forbearance measures were widely applied across EU-countries during the crisis sometimes heterogeneously until the EBA harmonised definitions and the treatment of forbearance in Europe. Supervisory authorities such as the SSM encourage banks to apply forbearance measures when they can prevent a...

Multiple factors have influenced interest margins and administrative costs such as prices effects, volume effects, the asset and liability mixes and the restructuring of the banking system. At the same time expansionary monetary policy led to a decline in both interest revenues and interest...