determinants of bank profitability. Profitability remains higher for Spanish banks than for European peers, especially supported by …-to-asset ratios. Panel regression analysis suggests that Spanish banks' profitability is influenced by a combination of structural and … relatively high net interest margins; however, some Spanish banks still have higher nonperforming loans (NPLs) and provision …

pockets of vulnerabilities exist among domestically owned banks. Decisive action to deal with weak banks is critical for …